| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y |
| Nov. 29 | Oct. 31 | Nov. 28 | 2025-26 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 18243972 | 17508956 | 19390500 | 19527313 | 7.0 | 11.5 |
| II. Food Credit | 36531 | 51254 | 70371 | 79801 | 118.4 | 55.7 |
| III. Non-food Credit | 18207441 | 17457702 | 19320128 | 19447512 | 6.8 | 11.4 |
| 1. Agriculture & Allied Activities | 2287060 | 2223467 | 2402610 | 2417050 | 5.7 | 8.7 |
| 2. Industry (Micro and Small, Medium and Large) | 3985660 | 3851152 | 4192700 | 4219433 | 5.9 | 9.6 |
| 2.1 Micro and Small | 798473 | 764478 | 953572 | 952302 | 19.3 | 24.6 |
| 2.2 Medium | 363245 | 343083 | 398071 | 397098 | 9.3 | 15.7 |
| 2.3 Large | 2823942 | 2743591 | 2841057 | 2870032 | 1.6 | 4.6 |
| 3. Services | 5093565 | 4798402 | 5345246 | 5359639 | 5.2 | 11.7 |
| 3.1 Transport Operators | 261575 | 252373 | 275525 | 276292 | 5.6 | 9.5 |
| 3.2 Computer Software | 32915 | 31348 | 39584 | 40914 | 24.3 | 30.5 |
| 3.3 Tourism, Hotels & Restaurants | 83366 | 79365 | 91529 | 92182 | 10.6 | 16.1 |
| 3.4 Shipping | 7304 | 7521 | 9959 | 10675 | 46.1 | 41.9 |
| 3.5 Aviation | 46072 | 46466 | 47560 | 48649 | 5.6 | 4.7 |
| 3.6 Professional Services | 195957 | 184915 | 200511 | 202814 | 3.5 | 9.7 |
| 3.7 Trade | 1184550 | 1078093 | 1227077 | 1230778 | 3.9 | 14.2 |
| 3.7.1. Wholesale Trade1 | 646099 | 564823 | 655867 | 657179 | 1.7 | 16.4 |
| 3.7.2 Retail Trade | 538451 | 513270 | 571210 | 573600 | 6.5 | 11.8 |
| 3.8 Commercial Real Estate | 523264 | 506471 | 569245 | 570144 | 9.0 | 12.6 |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1635102 | 1574648 | 1703567 | 1723493 | 5.4 | 9.5 |
| 3.9.1 Housing Finance Companies (HFCs) | 323182 | 322287 | 332125 | 346320 | 7.2 | 7.5 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 196793 | 247504 | 253237 | 10.7 | 28.7 |
| 3.10 Other Services3 | 1123459 | 1037202 | 1180689 | 1163697 | 3.6 | 12.2 |
| 4. Personal Loans | 5971696 | 5752281 | 6455946 | 6486418 | 8.6 | 12.8 |
| 4.1 Consumer Durables | 23201 | 24482 | 23646 | 23028 | -0.7 | -5.9 |
| 4.2 Housing | 3010477 | 2908672 | 3187475 | 3195341 | 6.1 | 9.9 |
| 4.3 Advances against Fixed Deposits | 141842 | 131645 | 150287 | 147076 | 3.7 | 11.7 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 8274 | 10006 | 9752 | -3.2 | 17.9 |
| 4.5 Credit Card Outstanding | 284366 | 288997 | 303073 | 296070 | 4.1 | 2.4 |
| 4.6 Education | 137456 | 131628 | 149442 | 149800 | 9.0 | 13.8 |
| 4.7 Vehicle Loans | 622793 | 605581 | 677349 | 680536 | 9.3 | 12.4 |
| 4.8 Loan against gold jewellery4 | 206284 | 159153 | 337580 | 358645 | 73.9 | 125.3 |
| 4.9 Other Personal Loans | 1535197 | 1493848 | 1617089 | 1626170 | 5.9 | 8.9 |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities5 | 2287794 | 2210312 | 2437756 | 2433930 | 6.4 | 10.1 |
| (ii) Micro & Small Enterprises6 | 2239409 | 2092196 | 2613611 | 2588509 | 15.6 | 23.7 |
| (iii) Medium Enterprises7 | 601451 | 556186 | 649366 | 648766 | 7.9 | 16.6 |
| (iv) Housing | 746651 | 752576 | 997896 | 992100 | 32.9 | 31.8 |
| (v) Education Loans | 62826 | 62645 | 74071 | 74051 | 17.9 | 18.2 |
| (vi) Renewable Energy | 10325 | 7458 | 10836 | 11555 | 11.9 | 54.9 |
| (vii) Social Infrastructure | 1316 | 1095 | 921 | 1060 | -19.5 | -3.2 |
| (viii) Export Credit | 12479 | 12802 | 11533 | 11052 | -11.4 | -13.7 |
| (ix) Others | 49552 | 54686 | 41409 | 41797 | -15.7 | -23.6 |
| (x) Weaker Sections including net PSLC- SF/MF | 1864606 | 1734996 | 1946670 | 1944735 | 4.3 | 12.1 |
Notes: (1) Data are provisional. Bank credit, Food credit and Non-food credit data are based on Section-42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 95 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month.
(2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank.
1 Wholesale trade includes food procurement credit outside the food credit consortium.
2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others.
3 “Other Services” include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs, and other services which are not indicated elsewhere under services.
4 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment.
5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |