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Date : Sep 15, 2021
Table 46 : Sectoral Deployment of Non-Food Gross Bank Credit
(₹ Crore)
Sr. No. Sector Outstanding as on last reporting Friday in March
2015-16 2016-17 2017-18 2018-19 2019-20 2020-21
  Non-food Credit (1 to 4) 6546903 7094490 7688424 8633416 9211542 9662222
1 Agriculture and Allied Activities 882942 992386 1030215 1111299 1157795 1299914
2 Industry (Micro and Small, Medium and Large) 2730677 2679833 2699268 2885778 2905151 2918028
2.1 Micro and Small1 371467 369731 372999 375508 381825 383854
2.2 Medium 114821 104806 103680 106392 105597 136054
2.3 Large 2244389 2205296 2222589 2403878 2417729 2398121
3 Services 1541067 1802237 2050472 2415608 2594947 2630566
3.1 Transport Operators 99743 110446 121268 128263 137815 145195
3.2 Computer Software 19096 17884 18609 18535 20050 21043
3.3 Tourism, Hotels and Restaurants 37053 37503 36489 39005 45978 49590
3.4 Shipping 10430 8375 6308 7748 5469 7172
3.5 Aviation - - - 27613 22387 25624
3.6 Professional Services 104600 137650 155407 171215 176516 119488
3.7 Trade 381098 427893 466938 528158 552391 617627
3.7.1 Wholesale Trade (other than food procurement) 168608 193208 205160 250528 263396 319197
3.7.2 Retail Trade 212490 234685 261778 277630 288995 298430
3.8 Commercial Real Estate 177613 185564 185801 202293 229770 235547
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 352742 391032 496393 708855 935659 945061
3.9.1 Housing Finance Companies (HFCs) - - - 144612 186625 187324
3.9.2 Public Financial Institutions (PFIs) - - - 39592 43797 78441
3.10 Other Services3 358693 485892 563259 583922 468911 464219
4 Personal Loans 1392216 1620034 1908469 2220732 2553649 2813713
4.1 Consumer Durables 17753 20791 19703 6299 9299 7307
4.2 Housing (Including Priority Sector Housing) 746780 860086 974565 1158869 1337899 1459066
4.3 Advances against Fixed Deposits (Including FCNR (B), NRNR Deposits etc.) 66683 66115 72493 82873 79494 71544
4.4 Advances to Individuals against share, bonds, etc. 6419 4750 5556 6265 5334 4570
4.5 Credit Card Outstanding 37679 52132 68628 88262 108097 116537
4.6 Education 68224 70088 69712 67988 65744 63805
4.7 Vehicle Loans 152908 170525 189786 202154 220610 241657
4.8 Loans against gold jewellery - - - 24867 33308 60726
4.9 Other Personal Loans 295771 375547 508026 583155 693864 788503
5 Priority Sector (Memo) - - - - - -
5.1 Agriculture and Allied Activities4 882590 990921 1021591 1095362 1129957 1264151
5.2 Micro and Small Enterprises5 847587 901972 996365 1047699 1080443 1107236
5.3 Medium Enterprises6 - - - 135075 137887 206122
5.4 Housing 342276 368344 375587 431688 461438 469863
5.5 Educational Loans 60137 60436 60713 54207 50477 48201
5.6 Renewable Energy - - - 1090 1116 1171
5.7 Social Infrastructure - - - 1072 1062 2352
5.8 Export Credit7 42382 42502 28305 16010 16575 19028
5.9 Others - - - 11663 11886 19062
5.10 Weaker Sections including net PSLC- SF/MF 477397 554598 569048 685996 729746 813263
Note :1. Data are provisional and relate to select banks which cover about 90 per cent of total non-food credit extended by all scheduled commercial banks.
2. With effect from January 2021, sectoral credit data are based on revised format due to which values and growth rates of some of the existing components published earlier have undergone some changes.
'1 Micro & Small includes credit to micro & small industries in the manufacturing sector.
'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 Agriculture and Allied Activities also include priority sector lending certificates (PSLCs).
'5 Micro and Small Enterprises include credit to micro and small enterprises in manufacturing and services sector and also include PSLCs.
'6 Medium Enterprises include credit to medium enterprises in the manufacturing and services sector.
'7 Export credit under the priority sector relates to foreign banks only.
Source : Reserve Bank of India.
Also see Notes on Tables.

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