{ "meta": { "dossier": "credit-deep", "source": "Reserve Bank of India (via DBIE)", "mock": false, "geo": "IND", "releaseDate": null, "revisionPolicy": "Section 42 figures are provisional, then final; sectoral credit is provisional and revised the next month; NPAs and capital ratios are final on release. Seams disclosed, never joined: the 2019 sectoral classification, the July 2023 HDFC merger, the December 2025 reporting calendar.", "vintage": "2026-10-10", "frequency": "quarterly", "unit": "inr_crore", "base": "BSR-1 quarterly, excluding RRBs", "latestPeriod": "2026-06-01", "coverage": "Bank loans by interest rate band and occupation, every quarter since March 2021", "note": "RBI DBIE report 959 (data provider DP0), read from the local Data Bank mirror, as published. Amounts in ₹ crore. Left out as printed in the wrong unit (10% and above but less than 11%, Personal Credit Cards, credit outstanding on 2024-06-01; 10% and above but less than 11%, Personal Credit Cards, loan accounts on 2024-06-01)." }, "dates": [ "2021-03-01", "2021-06-01", "2021-09-01", "2021-12-01", "2022-03-01", "2022-06-01", "2022-09-01", "2022-12-01", "2023-03-01", "2023-06-01", "2023-09-01", "2023-12-01", "2024-03-01", "2024-06-01", "2024-09-01", "2024-12-01", "2025-03-01", "2025-06-01", "2025-09-01", "2025-12-01", "2026-03-01", "2026-06-01" ], "series": { "10_and_above_but_less_than_11__x__i_agriculture__limit": { "name": "10_and_above_but_less_than_11__x__i_agriculture__limit_inr_crore", "label": "10% and above but less than 11%, Agriculture, credit limits", "unit": "inr_crore", "data": [ 236869.323, 225645.298, 230407.491, 210002.258, 201238.748, 198801.073, 201101.234, 184001.128, 235161.023, 279795.298, 288545.502, 312599.198, 329598.588, 360141.868, 386691.327, 418404.169, 452812.083, 439044.622, 451821.197, 474133.535, 475342.843, 466434.689 ] }, "10_and_above_but_less_than_11__x__i_agriculture__amount": { "name": "10_and_above_but_less_than_11__x__i_agriculture__amount_inr_crore", "label": "10% and above but less than 11%, Agriculture, credit outstanding", "unit": "inr_crore", "data": [ 201845.124, 189320.938, 188250.122, 175926, 172403.137, 170577.204, 175017.784, 156427.252, 184270.097, 214003.434, 225256.777, 242693.738, 255941.829, 271618.829, 291432.201, 316206.278, 349960.033, 336917.307, 355276.335, 373868.349, 369741.98, 360469.691 ] }, "10_and_above_but_less_than_11__x__i_agriculture__accounts": { "name": "10_and_above_but_less_than_11__x__i_agriculture__accounts_count", "label": "10% and above but less than 11%, Agriculture, loan accounts", "unit": "count", "data": [ 9267921, 8781656, 8487798, 8023444, 7882474, 7949456, 8004083, 6222076, 5522424, 6620599, 6609558, 6805773, 7590819, 7678238, 8056905, 8641705, 9773141, 10337169, 10689770, 11009882, 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88885.85, 99574.241 ] }, "10_and_above_but_less_than_11__x__viii_all_others__accounts": { "name": "10_and_above_but_less_than_11__x__viii_all_others__accounts_count", "label": "10% and above but less than 11%, All others, loan accounts", "unit": "count", "data": [ 351637, 223414, 314962, 296955, 307532, 285245, 275134, 265925, 737697, 723318, 788959, 875610, 899302, 942580, 1011165, 1102414, 1344423, 528832, 602728, 632355, 741017, 955839 ] }, "10_and_above_but_less_than_11__x__4_construction__limit": { "name": "10_and_above_but_less_than_11__x__4_construction__limit_inr_crore", "label": "10% and above but less than 11%, Construction, credit limits", "unit": "inr_crore", "data": [ 127676.499, 116538.682, 104205.232, 97582.841, 97940.139, 88904.852, 90540.725, 110172.558, 178698.756, 181227.168, 194919.216, 211178.466, 234322.184, 227515.513, 241346.021, 227599.258, 252320.877, 196441.808, 190659.44, 166579.648, 143410.247, 128662.677 ] }, 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"10_and_above_but_less_than_11__x__2_consumer_durables__limit_inr_crore", "label": "10% and above but less than 11%, Consumer Durables, credit limits", "unit": "inr_crore", "data": [ 2765.723, 2951.305, 4105.451, 4359.372, 4624.907, 5496.663, 4171.645, 3618.703, 5371.369, 5482.268, 36038.381, 39415.83, 6738.067, 7154.28, 6836.396, 6455.955, 6194.741, 5203.24, 4222.821, 3839.958, 3795.899, 3858.464 ] }, "10_and_above_but_less_than_11__x__2_consumer_durables__amount": { "name": "10_and_above_but_less_than_11__x__2_consumer_durables__amount_inr_crore", "label": "10% and above but less than 11%, Consumer Durables, credit outstanding", "unit": "inr_crore", "data": [ 1837.014, 1905.027, 2697.412, 2872.476, 3081.972, 3808.149, 2904.005, 2517.795, 3703.902, 3794.005, 4182.01, 4613.513, 4735.269, 4705.232, 4210.253, 3831.177, 3562.89, 2861.053, 2409.364, 2371.453, 2597.283, 2770.013 ] }, "10_and_above_but_less_than_11__x__2_consumer_durables__accounts": { "name": "10_and_above_but_less_than_11__x__2_consumer_durables__accounts_count", "label": "10% and above but less than 11%, Consumer Durables, loan accounts", "unit": "count", "data": [ 412276, 420395, 529408, 637956, 769835, 937396, 787511, 797860, 873509, 921236, 14014053, 14406122, 1015866, 1052023, 860860, 723111, 628151, 608969, 441504, 357432, 304737, 283758 ] }, "10_and_above_but_less_than_11__x__1_direct_finance__limit": { "name": "10_and_above_but_less_than_11__x__1_direct_finance__limit_inr_crore", "label": "10% and above but less than 11%, Direct Finance, credit limits", "unit": "inr_crore", "data": [ 204586.783, 195657.554, 204754.001, 190129.402, 185493.51, 185484.539, 184077.178, 165685.593, 206002.97, 247025.004, 257167.994, 276823.164, 284214.488, 314905.613, 342497.24, 372045.462, 406329.984, 396398.069, 420523.869, 440064.446, 437292.777, 435247.421 ] }, "10_and_above_but_less_than_11__x__1_direct_finance__amount": { "name": "10_and_above_but_less_than_11__x__1_direct_finance__amount_inr_crore", "label": "10% and above but less than 11%, Direct Finance, credit outstanding", "unit": "inr_crore", "data": [ 181216.855, 171270.41, 173358.919, 164848.542, 163446.589, 162154.795, 163690.786, 144776.349, 168095.873, 195181.973, 207493.105, 221880.52, 229820.171, 246387.496, 266990.27, 290650.105, 323752.447, 315581.751, 336518.227, 352895.478, 349305.539, 340576.379 ] }, "10_and_above_but_less_than_11__x__1_direct_finance__accounts": { "name": "10_and_above_but_less_than_11__x__1_direct_finance__accounts_count", "label": "10% and above but less than 11%, Direct Finance, loan accounts", "unit": "count", "data": [ 8794460, 8350698, 8157875, 7784699, 7745600, 7845060, 7894302, 6127541, 5443443, 6518988, 6509345, 6696649, 7436876, 7513628, 7883433, 8475469, 9534055, 10087962, 10434816, 10551260, 10220518, 10370639 ] }, "10_and_above_but_less_than_11__x__4_education__limit": { "name": "10_and_above_but_less_than_11__x__4_education__limit_inr_crore", "label": "10% and above but less than 11%, Education, credit limits", "unit": "inr_crore", "data": [ 18813.388, 17273.009, 17813.005, 13953.542, 17056.068, 16534.041, 34239.068, 48246.429, 43940.504, 49222.847, 64621.188, 71677.931, 75248.656, 76721.367, 82094.577, 83383.668, 92515.055, 66068.705, 63846.638, 43519.807, 43005.622, 42897.849 ] }, "10_and_above_but_less_than_11__x__4_education__amount": { "name": "10_and_above_but_less_than_11__x__4_education__amount_inr_crore", "label": "10% and above but less than 11%, Education, credit outstanding", "unit": "inr_crore", "data": [ 15830.575, 14468.22, 14838.418, 11374.84, 14322.48, 13845.146, 22801.59, 29309.427, 28167.008, 31414.425, 40234.488, 44851.126, 48205.68, 49262.822, 52782.806, 54076.49, 62664.132, 46097.54, 45267.904, 31032.481, 30761.254, 30756.998 ] }, "10_and_above_but_less_than_11__x__4_education__accounts": { "name": 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"10_and_above_but_less_than_11__x__3_electricity_gas_water__amount_inr_crore", "label": "10% and above but less than 11%, Electricity, Gas and Water, credit outstanding", "unit": "inr_crore", "data": [ 37170.458, 28602.735, 31730.976, 27122.39, 30298.868, 30528.35, 34392.823, 34890.035, 49650.336, 54301.918, 51319.164, 46823.41, 48156.102, 58136.47, 52209.982, 56402.219, 63467.112, 48719.749, 34427.989, 27495.787, 21365.243, 13692.555 ] }, "10_and_above_but_less_than_11__x__3_electricity_gas_water__accounts": { "name": "10_and_above_but_less_than_11__x__3_electricity_gas_water__accounts_count", "label": "10% and above but less than 11%, Electricity, Gas and Water, loan accounts", "unit": "count", "data": [ 4408, 4074, 4077, 4136, 4468, 3785, 5142, 6099, 5956, 6351, 6204, 6274, 6188, 6247, 7300, 9169, 8519, 7630, 7470, 7360, 6025, 7463 ] }, "10_and_above_but_less_than_11__x__vii_finance__limit": { "name": "10_and_above_but_less_than_11__x__vii_finance__limit_inr_crore", "label": "10% 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