{ "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": "2026-10-09", "frequency": "irregular", "unit": "inr_crore", "base": "RBI Report on Trend and Progress of Banking in India", "latestPeriod": "2025-09-30", "coverage": "Credit by NBFCs to agriculture, industry, services and retail, each year", "note": "RBI DBIE report 1542 (data provider DP0), read from the local Data Bank mirror, as published. Final figures where published, else provisional. Amounts in ₹ crore." }, "dates": [ "2019-03-31", "2019-09-30", "2020-03-31", "2021-03-31", "2021-09-30", "2022-03-31", "2022-09-30", "2023-03-31", "2023-09-30", "2024-03-31", "2024-09-30", "2025-03-31", "2025-09-30" ], "series": { "1_agriculture_and_allied_activities__1_agriculture_and_allied_activities": { "name": "1_agriculture_and_allied_activities__1_agriculture_and_allied_activities_inr_crore", "label": "Agriculture and Allied Activities", "unit": "inr_crore", "data": [ 62722, 61967, 34448, 45951, 37737, 52069, 46464, 60717, 70603, 84712, 89800, 82059, 87840 ] }, "x__gross_advances_1_to_5": { "name": "x__gross_advances_1_to_5_inr_crore", "label": "Gross Advances (1 to 5)", "unit": "inr_crore", "data": [ 2295371, 2354211, 2463943, 2709196, 2661782, 2895753, 2937051, 3413804, 3693921, 4052732, 4292708, 4838744, 5205544 ] }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_industry_2_1_to_2_2_equals_2_a_to_2_d": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_industry_2_1_to_2_2_equals_2_a_to_2_d_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d)", "unit": "inr_crore", "data": [ 930704, 1333811, 958468, 1066849, 1063631, 1115957, 1115749, 1736685, 1345347, 1937033, 1590339, 2291605, 2394110 ] }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_3_large": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_3_large_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d), Large", "unit": "inr_crore", "data": [ 465137, 637698, 795188, 854867, 884217, 890104, 899619, 1027341, 1098821, 1237653, 1300359, 1396438, 1449186 ] }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_2_medium": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_2_medium_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d), Medium", "unit": "inr_crore", "data": [ 16020, 19981, 14077, 14921, 15169, 16013, 15103, 19479, 18546, 21297, 21504, 23510, 25251 ] }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_1_micro_and_small": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_1_micro_and_small_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d), Micro and Small", "unit": "inr_crore", "data": [ 37360, 59713, 36441, 38055, 36156, 42353, 49966, 89931, 83879, 103138, 121589, 125723, 141181 ] }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_2_others": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_2_others_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d), Others", "unit": "inr_crore", "data": [ null, null, null, null, null, null, null, 796277, null, 810479, null, 1006016, 1072320 ], "gaps": [ "2023-09-30", "2024-09-30" ], "gapsNote": "Not published for this date in the source table." }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_4_others_if_any_please_specify": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_4_others_if_any_please_specify_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d), Others, if any, Please specify", "unit": "inr_crore", "data": [ 412186, 616420, 112762, 159006, 128090, 167486, 151061, 599934, 144101, 574944, 146887, 745934, 778493 ] }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_1_power": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__2_1_power_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d), Power", "unit": "inr_crore", "data": [ null, null, null, null, null, null, null, 940408, null, 1126554, null, 1285589, 1321790 ], "gaps": [ "2023-09-30", "2024-09-30" ], "gapsNote": "Not published for this date in the source table." }, "2_industry_2_1_to_2_2_equals_2_a_to_2_d__total_2_a_to_2_d": { "name": "2_industry_2_1_to_2_2_equals_2_a_to_2_d__total_2_a_to_2_d_inr_crore", "label": "Industry (2.1 to 2.2 equals 2.a to 2.d), Total 2.a to 2.d", "unit": "inr_crore", "data": [ null, null, null, null, null, null, null, 1736685, null, 1937032, null, 2291605, 2394110 ], "gaps": [ "2023-09-30", "2024-09-30" ], "gapsNote": "Not published for this date in the source table." }, "5_others__5_others": { "name": "5_others__5_others_inr_crore", "label": "Others", "unit": "inr_crore", "data": [ 292146, 140959, 387256, 488222, 470621, 516173, 512031, 115149, 590677, 75643, 501626, 88998, 83227 ] }, "4_retail_loans_4_1_to_4_10__4_retail_loans_4_1_to_4_10": { "name": "4_retail_loans_4_1_to_4_10__4_retail_loans_4_1_to_4_10_inr_crore", "label": "Retail Loans (4.1 to 4.10)", "unit": "inr_crore", "data": [ 598835, 474899, 734795, 745038, 762232, 819433, 879571, 1048337, 1196757, 1382146, 1502697, 1631900, 1838897 ] }, "4_retail_loans_4_1_to_4_10__4_6_advances_against_fixed_deposits_incl_fcnr_b_etc": { "name": "4_retail_loans_4_1_to_4_10__4_6_advances_against_fixed_deposits_incl_fcnr_b_etc_inr_crore", "label": "Retail Loans (4.1 to 4.10), Advances against Fixed Deposits (incl. FCNR(B), etc.)", "unit": "inr_crore", "data": [ 7, null, 44, 31, 29, 41, 213, 215, 247, 153, 202, 191, 237 ], "gaps": [ "2019-09-30" ], "gapsNote": "Not published for this date in the source table." }, "4_retail_loans_4_1_to_4_10__4_8_advances_to_individuals_against_gold": { "name": "4_retail_loans_4_1_to_4_10__4_8_advances_to_individuals_against_gold_inr_crore", "label": "Retail Loans (4.1 to 4.10), Advances to Individuals against Gold", "unit": "inr_crore", "data": [ null, null, 75451, 112898, 114013, 118501, 118723, 129787, 140901, 154315, 174325, 208482, 261728 ] }, "4_retail_loans_4_1_to_4_10__4_7_advances_to_individuals_against_shares_bonds_etc": { "name": "4_retail_loans_4_1_to_4_10__4_7_advances_to_individuals_against_shares_bonds_etc_inr_crore", "label": "Retail Loans (4.1 to 4.10), Advances to Individuals against Shares, Bonds, etc.", "unit": "inr_crore", "data": [ 15723, 13029, 7940, 8304, 9341, 11473, 13398, 13389, 18532, 21814, 23991, 26488, 30070 ] }, "4_retail_loans_4_1_to_4_10__4_2_consumer_durables": { "name": "4_retail_loans_4_1_to_4_10__4_2_consumer_durables_inr_crore", "label": "Retail Loans (4.1 to 4.10), Consumer Durables", "unit": "inr_crore", "data": [ 19613, 4917, 19171, 18519, 19854, 24771, 27464, 31541, 38484, 40957, 48142, 48379, 55460 ] }, "4_retail_loans_4_1_to_4_10__4_3_credit_card_receivables": { "name": "4_retail_loans_4_1_to_4_10__4_3_credit_card_receivables_inr_crore", "label": "Retail Loans (4.1 to 4.10), Credit Card Receivables", "unit": "inr_crore", "data": [ 19843, 28571, 24606, 25991, 1076, 32710, 40166, 44007, 49231, 55736, 61171, 61781, 66272 ] }, "4_retail_loans_4_1_to_4_10__4_5_education_loans": { "name": "4_retail_loans_4_1_to_4_10__4_5_education_loans_inr_crore", "label": "Retail Loans (4.1 to 4.10), Education Loans", "unit": "inr_crore", "data": [ 7642, 10032, 9049, 9277, 11464, 14145, 7879, 25324, 36330, 45026, 58466, 63551, 73099 ] }, "4_retail_loans_4_1_to_4_10__4_1_housing_loans_incl_priority_sector_housing": { "name": "4_retail_loans_4_1_to_4_10__4_1_housing_loans_incl_priority_sector_housing_inr_crore", "label": "Retail Loans (4.1 to 4.10), Housing Loans (incl. priority sector Housing)", "unit": "inr_crore", "data": [ 18446, 17862, 14071, 21385, 21497, 22340, 24680, 32172, 39223, 33822, 38467, 46392, 71219 ] }, "4_retail_loans_4_1_to_4_10__4_9_micro_finance_loan_shg_loan": { "name": "4_retail_loans_4_1_to_4_10__4_9_micro_finance_loan_shg_loan_inr_crore", "label": "Retail Loans (4.1 to 4.10), Micro finance loan/SHG Loan", "unit": "inr_crore", "data": [ null, null, 45107, 66573, 60008, 76223, 77567, 116707, 116908, 150750, 144162, 133186, 124089 ] }, "4_retail_loans_4_1_to_4_10__4_10_other_retail_loans": { "name": "4_retail_loans_4_1_to_4_10__4_10_other_retail_loans_inr_crore", "label": "Retail Loans (4.1 to 4.10), Other Retail Loans", "unit": "inr_crore", "data": [ 213411, 191963, 206907, 163175, 176280, 192881, 214513, 272875, 323248, 402437, 436679, 471497, 545009 ] }, "4_retail_loans_4_1_to_4_10__4_4_vehicle_auto_loans": { "name": "4_retail_loans_4_1_to_4_10__4_4_vehicle_auto_loans_inr_crore", "label": "Retail Loans (4.1 to 4.10), Vehicle/Auto Loans", "unit": "inr_crore", "data": [ 304148, 208527, 332449, 318884, 348671, 326347, 354966, 382320, 433653, 477135, 517092, 571954, 611714 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_services_3_1_to_3_10_equals_3_a_to_3_d": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_services_3_1_to_3_10_equals_3_a_to_3_d_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d)", "unit": "inr_crore", "data": [ 410764, 342481, 348901, 363136, 327550, 392121, 381485, 452917, 490536, 573198, 608246, 744181, 801470 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_a_micro_and_small": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_a_micro_and_small_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), a Micro and Small", "unit": "inr_crore", "data": [ null, null, null, 89126, null, 111482, null, 133000, 171343, 211865, 224653, 301830, 331232 ], "gaps": [ "2021-09-30", "2022-09-30" ], "gapsNote": "Not published for this date in the source table." }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_9_aviation": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_9_aviation_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Aviation", "unit": "inr_crore", "data": [ 1004, 715, 801, 948, 951, 1143, 1301, 826, 819, 503, 438, 458, 615 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_b_medium": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_b_medium_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), b Medium", "unit": "inr_crore", "data": [ null, null, null, 16763, null, 17503, null, 20332, 23697, 29100, 25073, 26329, 28351 ], "gaps": [ "2021-09-30", "2022-09-30" ], "gapsNote": "Not published for this date in the source table." }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_c_large": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_c_large_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), c Large", "unit": "inr_crore", "data": [ null, null, null, 73914, null, 76915, null, 78526, 79013, 81914, 95366, 116965, 120865 ], "gaps": [ "2021-09-30", "2022-09-30" ], "gapsNote": "Not published for this date in the source table." }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_7_commercial_real_estate": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_7_commercial_real_estate_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Commercial Real Estate", "unit": "inr_crore", "data": [ 135153, 129359, 101454, 81987, 79337, 80264, 79754, 81911, 83325, 89809, 89482, 95624, 101664 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_2_computer_software": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_2_computer_software_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Computer Software", "unit": "inr_crore", "data": [ 1351, 1111, 1391, 1706, 1708, 1652, 1462, 2110, 2193, 3083, 2579, 3534, 4488 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_d_others": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_d_others_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), d Others", "unit": "inr_crore", "data": [ null, null, null, 183333, null, 186221, null, 221058, 216483, 250320, 263155, 299057, 321022 ], "gaps": [ "2021-09-30", "2022-09-30" ], "gapsNote": "Not published for this date in the source table." }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_8_nbfcs": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_8_nbfcs_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), NBFCs", "unit": "inr_crore", "data": [ 29555, 27421, 26647, 28719, 30206, 33774, 32757, 48024, 53029, 60899, 64319, 70712, 72146 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_10_other_services": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_10_other_services_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Other Services", "unit": "inr_crore", "data": [ 135381, 111420, 98917, 96001, 89945, 95873, 92265, 115316, 125359, 157853, 167272, 239178, 266313 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_5_professional_services": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_5_professional_services_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Professional Services", "unit": "inr_crore", "data": [ 13896, 7360, 14664, 16396, 16896, 20154, 21592, 23665, 27137, 25402, 29377, 33698, 43103 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_6_2_retail_trade": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_6_2_retail_trade_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Retail Trade", "unit": "inr_crore", "data": [ 37232, 27850, 26722, 27006, 25604, 40547, 45066, 59693, 68001, 78993, 87784, 103086, 106684 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_4_shipping": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_4_shipping_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Shipping", "unit": "inr_crore", "data": [ 433, 191, 165, 140, 168, 172, 167, 185, 267, 273, 216, 192, 198 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__total_3_a_to_3_d": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__total_3_a_to_3_d_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Total 3.a to 3.d", "unit": "inr_crore", "data": [ null, null, null, 363136, null, 392121, null, 452917, 490536, 573198, 608246, 744181, 801470 ], "gaps": [ "2021-09-30", "2022-09-30" ], "gapsNote": "Not published for this date in the source table." }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_3_tourism_hotel_and_restaurants": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_3_tourism_hotel_and_restaurants_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Tourism, Hotel and Restaurants", "unit": "inr_crore", "data": [ 7869, 8743, 7035, 8814, 7561, 5971, 7177, 7547, 7332, 7451, 7860, 10927, 12869 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_6_trade": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_6_trade_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Trade", "unit": "inr_crore", "data": [ 44695, 36747, 33864, 33881, 33842, 49837, 54951, 70448, 81525, 95149, 105415, 127923, 133648 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_1_transport_operators": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_1_transport_operators_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Transport Operators", "unit": "inr_crore", "data": [ 41427, 19414, 63963, 94544, 66935, 103283, 90059, 102886, 109550, 132778, 141289, 161937, 166426 ] }, "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_6_1_wholesale_trade_other_than_food_procurement": { "name": "3_services_3_1_to_3_10_equals_3_a_to_3_d__3_6_1_wholesale_trade_other_than_food_procurement_inr_crore", "label": "Services (3.1 to 3.10 equals 3.a to 3.d), Wholesale Trade (other than Food Procurement)", "unit": "inr_crore", "data": [ 7463, 8898, 7142, 6875, 8238, 9290, 9885, 10754, 13524, 16156, 17632, 24837, 26964 ] } } }