| (Amount in ₹ crore) | | Items | End-March 2021 | End-March 2022 | End-March 2023 | End-September 2023 | Percentage variation 2022-23 | | 1 | 2 | 3 | 4 | 5 | 6 | | I. Gross Advances (II + III) | 27,09,196 | 29,52,442 | 34,26,970 | 36,93,921 | 16.1 | | II. Food Credit | - | 1,739 | - | - | -100.0 | | III. Non-Food Credit (1 to 5) | 27,09,196 | 29,50,703 | 34,26,970 | 36,93,921 | 16.1 | | 1. Agriculture and Allied Activities | 45,951 | 53,759 | 60,760 | 70,603 | 13.0 | | 2. Industry (2.1 to 2.4) | 10,66,849 | 11,31,558 | 12,76,666 | 13,45,347 | 12.8 | | 2.1 Micro and Small | 38,055 | 44,329 | 71,638 | 83,879 | 61.6 | | 2.2 Medium | 14,921 | 17,411 | 20,068 | 18,546 | 15.3 | | 2.3 Large | 8,54,867 | 8,94,541 | 10,20,441 | 10,98,821 | 14.1 | | 2.4 Others | 1,59,006 | 1,75,277 | 1,64,519 | 1,44,101 | -6.1 | | 3. Services (3.1 to 3.10 equals 3.a to 3.d) | 3,63,136 | 4,07,367 | 4,76,728 | 4,90,536 | 17.0 | | 3.1 Transport Operators | 94,544 | 1,03,311 | 1,20,945 | 1,09,550 | 17.1 | | 3.2 Computer Software | 1,706 | 1,662 | 2,108 | 2,193 | 26.8 | | 3.3 Tourism, Hotel and Restaurants | 8,814 | 8,052 | 7,561 | 7,332 | -6.1 | | 3.4 Shipping | 140 | 173 | 185 | 267 | 7.4 | | 3.5 Professional Services | 16,396 | 20,354 | 23,776 | 27,137 | 16.8 | | 3.6 Trade | 33,881 | 50,755 | 70,135 | 81,525 | 38.2 | | 3.6.1 Wholesale Trade (other than Food Procurement) | 6,875 | 9,564 | 10,665 | 13,524 | 11.5 | | 3.6.2 Retail Trade | 27,006 | 41,190 | 59,470 | 68,001 | 44.4 | | 3.7 Commercial Real Estate | 81,987 | 87,566 | 84,666 | 83,325 | -3.3 | | 3.8 NBFCs | 28,719 | 35,003 | 48,406 | 53,029 | 38.3 | | 3.9 Aviation | 948 | 1,143 | 826 | 819 | -27.7 | | 3.10 Other Services | 96,001 | 99,349 | 1,18,119 | 1,25,359 | 18.9 | | Total 3.a to 3.d | 3,63,136 | 4,07,367 | 4,76,728 | 4,90,536 | 17.0 | | 3.a Micro and Small | 89,126 | 1,12,503 | 1,61,504 | 1,71,343 | 43.6 | | 3.b Medium | 16,763 | 18,244 | 20,971 | 23,697 | 14.9 | | 3.c Large | 73,914 | 78,114 | 81,960 | 79,013 | 4.9 | | 3.d Others | 1,83,333 | 1,98,506 | 2,12,293 | 2,16,483 | 6.9 | | 4. Retail Loans (4.1 to 4.10) | 7,45,038 | 8,38,528 | 10,54,530 | 11,96,757 | 25.8 | | 4.1 Housing Loans (incl. priority sector Housing) | 21,385 | 23,280 | 32,425 | 39,223 | 39.3 | | 4.2 Consumer Durables | 18,519 | 24,789 | 31,543 | 38,484 | 27.2 | | 4.3 Credit Card Receivables | 25,991 | 32,710 | 44,007 | 49,231 | 34.5 | | 4.4 Vehicle/Auto Loans | 3,18,884 | 3,35,460 | 3,84,475 | 4,33,653 | 14.6 | | 4.5 Education Loans | 9,277 | 14,162 | 25,352 | 36,330 | 79.0 | | 4.6 Advances against Fixed Deposits (incl. FCNR(B), etc.) | 31 | 43 | 215 | 247 | 406.9 | | 4.7 Advances to Individuals against Shares, Bonds, etc. | 8,304 | 13,023 | 14,053 | 18,532 | 7.9 | | 4.8 Advances to Individuals against Gold | 1,12,898 | 1,19,311 | 1,31,165 | 1,40,901 | 9.9 | | 4.9 Micro finance loan/SHG Loan | 66,573 | 81,599 | 1,18,752 | 1,16,908 | 45.5 | | 4.10 Other Retail Loans | 1,63,175 | 1,94,153 | 2,72,543 | 3,23,248 | 40.4 | | 5. Other Non-food Credit, if any | 4,88,222 | 5,19,491 | 5,58,287 | 5,90,677 | 7.5 | Notes: 1. Data are provisional.
2. Percentage figures are rounded-off.
3. Excluding CICs and PDs.
Source: Quarterly returns of NBFCs, RBI. | |