(in per cent) |
Occupation |
State Banks of India
and its Associates |
Nationalised Banks |
Public Sector Banks |
2011 |
2012 |
2011 |
2012 |
2011 |
2012 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
I. Agriculture |
11.05 |
11.89 |
11.09 |
11.94 |
11.08 |
11.93 |
1. Direct Finance |
11.39 |
11.90 |
11.35 |
11.94 |
11.36 |
11.93 |
2. Indirect Finance |
9.80 |
11.85 |
10.54 |
11.96 |
10.41 |
11.94 |
II. Industry |
11.75 |
13.23 |
11.81 |
12.87 |
11.79 |
12.98 |
1. Mining & Quarrying |
10.45 |
12.40 |
11.17 |
12.57 |
10.94 |
12.52 |
2. Manufacturing & Processing |
11.91 |
13.40 |
12.17 |
13.12 |
12.08 |
13.22 |
3. Electricity, Gas & Water |
11.00 |
12.48 |
10.81 |
12.22 |
10.84 |
12.27 |
4. Construction |
11.68 |
13.06 |
11.74 |
12.82 |
11.73 |
12.88 |
III. Transport Operators |
11.60 |
12.97 |
11.60 |
11.99 |
11.60 |
12.20 |
IV. Professional and Other Services |
12.39 |
14.37 |
12.44 |
13.50 |
12.43 |
13.63 |
V. Personal Loans |
10.06 |
11.15 |
10.70 |
11.79 |
10.41 |
11.49 |
1. Loans for Purchase of Consumer Durables |
12.32 |
11.25 |
11.44 |
13.00 |
11.45 |
12.95 |
2. Loans for Housing |
9.39 |
10.33 |
10.16 |
11.19 |
9.79 |
10.78 |
3. Rest of the Personal Loans |
11.23 |
12.54 |
11.53 |
12.64 |
11.41 |
12.59 |
VI. Trade |
12.12 |
13.41 |
12.40 |
13.08 |
12.32 |
13.17 |
1. Wholesale Trade |
11.50 |
12.88 |
11.90 |
13.06 |
11.78 |
13.00 |
2. Retail Trade |
12.88 |
14.16 |
12.89 |
13.09 |
12.89 |
13.30 |
VII. Finance |
10.01 |
11.21 |
9.88 |
11.21 |
9.90 |
11.21 |
VIII. All Others |
11.52 |
13.36 |
11.02 |
12.46 |
11.03 |
12.48 |
Total Bank Credit |
11.31 |
12.62 |
11.49 |
12.54 |
11.44 |
12.56 |
Weighted Average Deposit Rate of Term Deposits |
8.16 |
9.09 |
8.23 |
9.20 |
8.24 |
9.17 |
Notes : 1. The data given here are based on the accounts with credit limit of over ` 0.2 million.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data on average deposit rate for 2012 are based on 93549 reporting branches out of 96050 total
branches & that for 2011 based on 77710 reporting branches out of 84825 total branches having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
Source : Basic Statistical Returns 1 & 2, Department of Statistics and Information Management, RBI. |
TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING
RATE AND DEPOSIT RATE - 2011 AND 2012 (Contd.) |
(in per cent) |
Occupation |
New Private
Sector Banks |
Old Private
Sector Banks |
Private Sector
Banks |
2011 |
2012 |
2011 |
2012 |
2011 |
2012 |
|
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
I. Agriculture |
10.90 |
12.10 |
11.85 |
12.49 |
11.09 |
12.18 |
1. Direct Finance |
11.08 |
12.15 |
11.94 |
12.42 |
11.23 |
12.20 |
2. Indirect Finance |
10.12 |
11.90 |
11.64 |
12.73 |
10.52 |
12.09 |
II. Industry |
11.25 |
12.66 |
12.35 |
13.37 |
11.59 |
12.88 |
1. Mining & Quarrying |
11.26 |
11.91 |
11.84 |
11.80 |
11.36 |
11.88 |
2. Manufacturing & Processing |
10.83 |
12.43 |
12.68 |
13.59 |
11.41 |
12.79 |
3. Electricity, Gas & Water |
11.50 |
12.89 |
10.94 |
12.77 |
11.35 |
12.86 |
4. Construction |
12.06 |
13.13 |
11.99 |
13.27 |
12.04 |
13.18 |
III. Transport Operators |
11.70 |
11.80 |
12.33 |
12.61 |
11.79 |
11.90 |
IV. Professional and Other Services |
11.50 |
13.24 |
12.82 |
13.99 |
11.77 |
13.39 |
V. Personal Loans |
12.24 |
13.08 |
11.88 |
12.48 |
12.16 |
12.94 |
1. Loans for Purchase of Consumer Durables |
13.92 |
12.59 |
13.14 |
12.82 |
12.55 |
12.71 |
2. Loans for Housing |
10.99 |
12.07 |
11.88 |
12.12 |
11.19 |
12.08 |
3. Rest of the Personal Loans |
13.78 |
14.30 |
11.80 |
12.92 |
13.42 |
13.99 |
VI. Trade |
11.70 |
12.89 |
13.12 |
13.33 |
12.39 |
13.11 |
1. Wholesale Trade |
11.39 |
12.87 |
12.80 |
12.82 |
12.09 |
12.85 |
2. Retail Trade |
11.98 |
12.92 |
13.45 |
13.76 |
12.69 |
13.37 |
VII. Finance |
9.33 |
10.48 |
11.02 |
11.58 |
9.68 |
10.69 |
VIII. All Others |
11.28 |
13.87 |
12.35 |
13.15 |
11.36 |
13.82 |
Total Bank Credit |
11.30 |
12.65 |
12.29 |
13.06 |
11.54 |
12.75 |
Weighted Average Deposit Rate of Term Deposits |
8.54 |
9.60 |
8.60 |
9.49 |
8.56 |
9.56 |
Notes : 1. The data given here are based on the accounts with credit limit of over ` 0.2 million.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data on average deposit rate for 2012 are based on 93549 reporting branches out of 96050 total
branches & that for 2011 based on 77710 reporting branches out of 84825 total branches having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind,
Kotak Mahindra and Yes Bank.
Source : Basic Statistical Returns 1 & 2, Department of Statistics and Information Management, RBI. |
TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING
RATE AND DEPOSIT RATE - 2011 AND 2012 (Concld.) |
(in per cent) |
Occupation |
Foreign Banks |
Regional Rural
Banks |
All Scheduled
Commercial Banks |
2011 |
2012 |
2011 |
2012 |
2011 |
2012 |
|
(13) |
(14) |
(15) |
(16) |
(17) |
(18) |
I. Agriculture |
10.36 |
12.44 |
11.87 |
11.88 |
11.11 |
11.98 |
1. Direct Finance |
9.48 |
13.20 |
11.88 |
11.83 |
11.36 |
11.98 |
2. Indirect Finance |
10.73 |
12.29 |
11.69 |
12.34 |
10.44 |
11.97 |
II. Industry |
9.96 |
10.59 |
12.25 |
12.84 |
11.68 |
12.85 |
1. Mining & Quarrying |
10.41 |
9.07 |
12.70 |
12.27 |
10.98 |
12.25 |
2. Manufacturing & Processing |
9.85 |
10.42 |
12.52 |
13.29 |
11.85 |
12.99 |
3. Electricity, Gas & Water |
10.01 |
11.79 |
11.98 |
11.99 |
10.88 |
12.31 |
4. Construction |
10.54 |
11.68 |
11.93 |
12.48 |
11.75 |
12.89 |
III. Transport Operators |
10.09 |
11.95 |
12.55 |
13.20 |
11.64 |
12.10 |
IV. Professional and Other Services |
11.03 |
12.94 |
12.60 |
12.87 |
12.18 |
13.51 |
V. Personal Loans |
14.69 |
14.66 |
11.60 |
12.17 |
11.09 |
11.94 |
1. Loans for Purchase of Consumer Durables |
8.98 |
17.25 |
12.85 |
13.36 |
11.93 |
13.02 |
2. Loans for Housing |
12.13 |
12.55 |
10.94 |
11.30 |
10.27 |
11.13 |
3. Rest of the Personal Loans |
20.39 |
23.42 |
12.29 |
12.79 |
12.36 |
13.14 |
VI. Trade |
10.48 |
11.56 |
12.64 |
13.68 |
12.28 |
13.11 |
1. Wholesale Trade |
9.24 |
10.70 |
12.58 |
12.66 |
11.71 |
12.87 |
2. Retail Trade |
12.18 |
12.90 |
12.65 |
13.81 |
12.82 |
13.31 |
VII. Finance |
8.97 |
11.74 |
11.56 |
13.57 |
9.80 |
11.14 |
VIII. All Others |
10.77 |
11.39 |
10.87 |
14.81 |
11.14 |
13.29 |
Total Bank Credit |
10.93 |
11.75 |
11.86 |
12.81 |
11.44 |
12.57 |
Weighted Average Deposit Rate of Term Deposits |
7.30 |
7.98 |
8.42 |
9.01 |
8.29 |
9.19 |
Notes : 1. The data given here are based on the accounts with credit limit of over ` 0.2 million.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data on average deposit rate for 2012 are based on 93549 reporting branches out of 96050 total branches & that for 2011 based on 77710 reporting branches out of 84825 total branches having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
Source : Basic Statistical Returns 1 & 2, Department of Statistics and Information Management, RBI. |
|