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Date : Sep 15, 2023
Table 170 : Deployment of Bank Credit by Major Sectors
(₹ Crore)
Sector Outstanding as on
Jul 29, 2022 Aug 26, 2022 Sep 23, 2022 Oct 21, 2022 Nov 18, 2022 Dec 30, 2022 Jan 27, 2023
Non-food credit 12337006 12430898 12608087 12857750 12895574 13252881 13287371
1 Agriculture and Allied Activities 1529206 1540450 1561537 1590138 1595185 1630871 1638079
2 Industry (Micro and Small, Medium and Large) 3182010 3194889 3240817 3290584 3294513 3289497 3288520
2.1 Micro and Small 556461 561701 572104 551073 556127 579070 578976
2.2 Medium 231995 232922 238281 234373 237409 251189 249022
2.3 Large 2393554 2400266 2430432 2505137 2500978 2459238 2460522
3 Services 3171545 3161534 3222165 3321382 3315747 3496605 3477952
3.1 Transport Operators 155202 154843 157763 160819 161037 164451 166550
3.2 Computer Software 20925 19697 21519 22337 21210 22404 21071
3.3 Tourism, Hotels and Restaurants 65089 64184 66098 65320 65092 64551 64909
3.4 Shipping 7306 7100 7245 7123 7206 7307 7259
3.5 Aviation 22498 23182 23409 23955 24445 28930 27824
3.6 Professional Services 118567 118689 120581 124531 124321 126739 127711
3.7 Trade 720086 731760 745734 746578 733730 769244 777832
3.7.1 Wholesale Trade1 366135 381644 377709 369754 353789 376968 381139
3.7.2 Retail Trade 353950 350116 368025 376824 379941 392276 396692
3.8 Commercial Real Estate 294842 295212 297707 305139 304276 309031 313440
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1114325 1099392 1124077 1198686 1218791 1310200 1287906
3.9.1 Housing Finance Companies (HFCs) 311661 300879 307931 311566 307661 311071 309755
3.9.2 Public Financial Institutions (PFIs) 145293 139218 143131 158583 178024 181330 181803
3.10 Other Services3 652707 647474 658034 666894 655639 693750 683451
4 Personal Loans 3594218 3647906 3702006 3770285 3800330 3935144 3958874
4.1 Consumer Durables 18959 19096 18900 19491 20130 20266 20075
4.2 Housing (Including Priority Sector Housing) 1767458 1783815 1803716 1823699 1843862 1895957 1888144
4.3 Advances. against Fixed Deposits (Including FCNR(B), NRNR Deposits. etc) 87991 92579 96332 97615 96188 109937 109749
4.4 Advances to Individuals against share, bonds, etc. 6473 6555 6636 7494 6758 6806 6858
4.5 Credit Card Outstanding 162839 167543 167179 179341 173424 180090 186783
4.6 Education 86090 88626 90858 91783 91069 94288 95226
4.7 Vehicle Loans 436997 442784 447209 459123 465867 482308 494285
4.8 Loans against gold jewellery 77785 78835 81309 84462 83755 85016 85928
4.9 Other Personal Loans 949627 968074 989867 1007278 1019277 1060476 1071826
5 Priority Sector (Memo) - - - - - - -
5.1 Agriculture and Allied Activities4 1535442 1543634 1601293 1623409 1631458 1673097 1656599
5.2 Micro and Small Enterprises5 1436346 1444704 1478308 1422693 1455964 1523870 1534099
5.3 Medium Enterprises6 367377 365946 371997 369542 369403 386473 393252
5.4 Housing 606970 618053 625520 631708 613395 617924 614829
5.5 Educational Loans 57499 58329 58881 59415 58887 58998 59250
5.6 Renewable Energy 4239 4253 3750 4191 4177 4782 4617
5.7 Social Infrastructure 2535 2388 2412 2402 2394 2473 2499
5.8 Export Credit 18101 21794 20914 22491 20664 21046 19515
5.9 Others 52485 52451 51703 49478 50219 52093 48680
5.10 Weaker Sections including net PSLC- SF/MF 1219078 1243051 1283749 1303955 1327258 1325310 1309824
(Continued)

TABLE 170 : DEPLOYMENT OF BANK CREDIT BY MAJOR SECTORS (Concld.)
(₹ Crore)
Sector Outstanding as on
Feb 24, 2023 Mar 24, 2023 Apr 21, 2023 May 19, 2023 Jun 30, 2023 Jul 28, 2023
1 9 10 11 12 13 14
Non-food credit 13414993 13655330 13836379 13857522 14363787 14782375
            (14165434)
1 Agriculture and Allied Activities 1655938 1687191 1725511 1719260 1796940 1786829
2 Industry (Micro and Small, Medium and Large) 3291205 3336722 3368480 3354988 3423957 3365105
            (3347144)
2.1 Micro and Small 587494 598390 597629 603217 625589 613436
2.2 Medium 248894 253384 257742 255858 263291 254561
2.3 Large 2454817 2484949 2513110 2495913 2535077 2497107
3 Services 3523813 3608574 3665569 3682532 3885235 3904927
            (3788106)
3.1 Transport Operators 168735 176239 180377 180525 188084 187420
3.2 Computer Software 20621 21559 21568 21525 22867 22015
3.3 Tourism, Hotels and Restaurants 65234 66466 66959 66429 68408 70952
3.4 Shipping 6881 6677 6342 6224 6023 5726
3.5 Aviation 27819 28330 29983 31628 42033 40134
3.6 Professional Services 131443 134661 135928 136103 145311 142178
3.7 Trade 798032 819921 834959 837821 860317 843121
3.7.1 Wholesale Trade1 389231 396631 413551 419081 429403 420825
3.7.2 Retail Trade 408801 423291 421409 418739 430914 422296
3.8 Commercial Real Estate 312809 314604 321861 321149 333046 407282
            (331156)
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1309521 1331097 1345436 1339615 1424106 1377165
3.9.1 Housing Finance Companies (HFCs) 307870 314678 313491 315109 330186 316817
3.9.2 Public Financial Institutions (PFIs) 178651 175614 177673 175566 192634 182824
3.10 Other Services3 682720 709020 722157 741512 795040 808934
            (782693)
4 Personal Loans 4013299 4085168 4119592 4137821 4260973 4731833
            (4256382)
4.1 Consumer Durables 19922 20044 20295 20542 21431 21169
4.2 Housing (Including Priority Sector Housing) 1910531 1936428 1949920 1956438 1999950 2428202
            (1998537)
4.3 Advances. against Fixed Deposits (Including FCNR(B), NRNR Deposits. etc) 113457 121897 112597 110583 120427 109254
4.4 Advances to Individuals against share, bonds, etc. 6937 6778 6803 6791 6934 6720
4.5 Credit Card Outstanding 186856 194282 200258 201131 209376 213592
4.6 Education 96164 96847 97395 97756 101839 103181
4.7 Vehicle Loans 493482 500299 506466 509022 523441 529435
4.8 Loans against gold jewellery 87822 88428 89665 90697 95347 95746
4.9 Other Personal Loans 1098129 1120165 1136194 1144860 1182229 1224534
            (1179345)
5 Priority Sector (Memo) - - - - - -
5.1 Agriculture and Allied Activities4 1686333 1708951 1682168 1657924 1818792 1800225
5.2 Micro and Small Enterprises5 1558655 1570231 1580835 1617667 1695793 1678935
5.3 Medium Enterprises6 390714 399260 403313 402915 418443 407279
5.4 Housing 619039 621376 623781 622834 630609 756732
            (654784)
5.5 Educational Loans 59362 59507 59290 59466 59873 60338
5.6 Renewable Energy 4642 4656 4614 4752 4568 4532
5.7 Social Infrastructure 2449 2464 2494 2607 2653 2580
5.8 Export Credit 19151 15424 18667 16766 9745 8920
5.9 Others 50056 59659 51805 62878 68321 51555
5.10 Weaker Sections including net PSLC- SF/MF 1372743 1384249 1355514 1309907 1405152 1429701
Notes : (1) Data are provisional. Non-food credit data is based on fortnightly 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 93 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month.
(2) With effect from January 2019, sectoral credit data are based on revised format due to which values of some of the existing components published earlier have undergone changes.
(3) Credit data are adjusted for past reporting errors by select SCBs from December 2021 onwards.
(4) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank. Figures in parentheses exclude the impact of the merger.
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 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
5 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
6 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors.
Also see Notes on Tables
Source : Reserve Bank of India.

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