Sectoral Deployment of Bank Credit
Out of the credit distribution across four primary macro sectors: Agriculture, Industry, Services, and Personal Loans, the Largest Driver is clearly the Personal Loans category, which represents the single largest category. Within this, Housing Loans make up nearly half of the total personal loan portfolio amounting to INR 3,428,453 Cr
The Services sector is the second most substantial segment, driven significantly by financial pipelines like Non-Banking Financial Companies (NBFCs) at INR 23,027 Cr. Agriculture and Allied Activities represents the smallest macro pillar in this dataset, holding a value of INR 56,012 Cr.
The Services sector is the second most substantial segment, driven significantly by financial pipelines like Non-Banking Financial Companies (NBFCs) at INR 23,027 Cr. Agriculture and Allied Activities represents the smallest macro pillar in this dataset, holding a value of INR 56,012 Cr.
| Deployment of Gross Bank Credit by Major Sectors | Jan '26 | Feb '26 | Mar '26 | Apr '26 | May '26 | Jun '26 | Jul '26 |
|---|---|---|---|---|---|---|---|
| Agriculture and Allied Activities | 25,09,789 | 25,43,477 | 26,46,051 | 26,26,040 | 26,41,484 | 26,93,967 | 27,06,652 |
| Aviation Services | 49,613 | 49,830 | 52,688 | 52,704 | 58,303 | 57,166 | 56,012 |
| Commercial Real Estate Services | 5,97,880 | 6,06,612 | 6,27,341 | 6,35,404 | 6,42,082 | 6,66,797 | 6,69,260 |
| Computer Software Services | 40,695 | 46,183 | 45,738 | 51,096 | 52,659 | 53,859 | 52,415 |
| Housing Finance Companies (NBFC) | 3,53,406 | 3,59,226 | 3,73,339 | 3,67,439 | 3,69,647 | 3,71,870 | 3,82,151 |
| Large Industry | 29,30,806 | 29,85,130 | 30,76,669 | 30,47,250 | 31,10,095 | 32,17,582 | 32,28,774 |
| Medium Industry | 4,26,211 | 4,30,263 | 4,42,217 | 4,41,429 | 4,47,397 | 4,70,266 | 4,79,636 |
| Micro and Small Industry | 10,31,291 | 10,31,799 | 10,63,123 | 10,49,053 | 10,66,411 | 10,83,665 | 10,92,368 |
| Non-Banking Financial Companies | 19,05,207 | 19,47,584 | 20,65,555 | 20,56,412 | 20,88,395 | 21,10,374 | 21,27,531 |
| Other Personal Loans | 16,85,238 | 17,02,695 | 17,34,440 | 17,32,898 | 17,43,414 | 17,67,460 | 17,84,253 |
| Other Services | 12,35,949 | 12,36,570 | 12,75,208 | 12,22,370 | 12,19,270 | 12,46,258 | 12,48,982 |
| Personal Loans - Advances against Fixed Deposits | 1,54,360 | 1,54,183 | 1,69,107 | 1,58,016 | 1,54,712 | 1,62,623 | 1,61,519 |
| Personal Loans - Advances to Individuals against share, bonds, etc | 10,264 | 10,085 | 10,546 | 10,111 | 10,192 | 10,339 | 10,565 |
| Personal Loans - Consumer Durables | 22,360 | 21,925 | 21,962 | 22,302 | 22,906 | 23,047 | 23,027 |
| Personal Loans - Credit Card Outstanding | 2,96,417 | 2,92,067 | 2,94,461 | 2,98,016 | 2,94,535 | 2,98,280 | 2,97,756 |
| Personal Loans - Education | 1,54,899 | 1,55,590 | 1,55,850 | 1,55,698 | 1,57,517 | 1,58,116 | 1,60,947 |
| Personal Loans - Loans against gold jewellery | 4,00,517 | 4,28,578 | 4,60,313 | 4,88,761 | 5,14,281 | 5,35,544 | 5,52,261 |
| Personal Loans - Vehicle Loans | 7,20,567 | 7,26,037 | 7,38,680 | 7,42,870 | 7,48,450 | 7,54,370 | 7,64,554 |
| Personal Loans - Housing (Including Priority Sector Housing) | 32,78,420 | 33,05,691 | 33,55,980 | 33,51,752 | 33,69,034 | 34,03,806 | 34,28,453 |
| Professional Services Services | 2,09,054 | 2,10,543 | 2,18,324 | 2,19,386 | 2,20,054 | 2,25,343 | 2,23,520 |
| Public Financial Institutions (NBFC) | 3,05,670 | 3,16,124 | 3,48,838 | 3,46,877 | 3,55,795 | 3,58,363 | 3,56,044 |
| Retail Trade Services | 5,85,993 | 5,83,096 | 6,00,229 | 5,85,295 | 5,93,736 | 6,02,807 | 6,12,609 |
| Shipping Services | 10,373 | 10,502 | 10,384 | 10,944 | 10,986 | 10,368 | 10,986 |
| Tourism, Hotels and Restaurants Services | 97,418 | 98,895 | 1,02,559 | 1,02,767 | 1,04,265 | 1,06,086 | 1,08,943 |
| Transport Operators Services | 2,67,665 | 2,80,409 | 2,86,808 | 2,86,206 | 2,86,706 | 2,89,780 | 2,90,424 |
| Wholesale Trade1 Services | 7,23,122 | 7,37,574 | 7,75,970 | 7,31,935 | 7,68,720 | 7,84,213 | 7,96,239 |
Units: INR Cr Granularity: Monthly
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