{
 "meta": {
  "latestPeriod": "2026-06-01",
  "dossier": "credit-bsr1",
  "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": "quarterly",
  "base": "BSR-1 quarterly, excluding RRBs",
  "unit": "pct",
  "coverage": "Weighted average lending rate on outstanding loans, by the borrower's occupation, every quarter since March 2014",
  "note": "RBI BSR-1 quarterly (DBIE 949), outstanding credit of scheduled commercial banks excluding RRBs, as at the end of each quarter (dated to that month). Amounts and limits in ₹ lakh crore; accounts in lakh. The source names the rate column 'Credit Limit'; its values are interest rates in per cent (about 10%), which is what the table's title says they are."
 },
 "dates": [
  "2014-03-01",
  "2014-06-01",
  "2014-09-01",
  "2014-12-01",
  "2015-03-01",
  "2015-06-01",
  "2015-09-01",
  "2015-12-01",
  "2016-03-01",
  "2016-06-01",
  "2016-09-01",
  "2016-12-01",
  "2017-03-01",
  "2017-06-01",
  "2017-09-01",
  "2017-12-01",
  "2018-03-01",
  "2018-06-01",
  "2018-09-01",
  "2018-12-01",
  "2019-03-01",
  "2019-06-01",
  "2019-09-01",
  "2019-12-01",
  "2020-03-01",
  "2020-06-01",
  "2020-09-01",
  "2020-12-01",
  "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": {
  "agriculture_rate": {
   "name": "agriculture_rate",
   "label": "Agriculture, weighted average lending rate, per cent",
   "data": [
    11.03,
    null,
    null,
    10.62,
    10.66,
    10.59,
    10.54,
    10.45,
    10.51,
    10.49,
    10.53,
    10.48,
    10.4,
    10.31,
    10.25,
    10.1,
    10.15,
    10.14,
    10.09,
    10.14,
    10.27,
    10.39,
    10.42,
    10.38,
    10.47,
    10.23,
    10.11,
    9.89,
    9.85,
    9.8,
    9.66,
    9.85,
    9.58,
    9.53,
    9.66,
    9.83,
    10.14,
    10.28,
    10.42,
    10.45,
    10.56,
    10.6,
    10.62,
    10.6,
    10.56,
    10.44,
    10.29,
    10.21,
    10.18,
    10.08
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "industry_rate": {
   "name": "industry_rate",
   "label": "Industry, weighted average lending rate, per cent",
   "data": [
    12.26,
    null,
    null,
    12.07,
    12.02,
    11.96,
    11.83,
    11.6,
    11.54,
    11.44,
    11.42,
    11.35,
    11.03,
    10.92,
    10.74,
    10.56,
    10.41,
    10.33,
    10.27,
    10.26,
    10.2,
    10.19,
    10.22,
    9.94,
    9.79,
    9.57,
    9.37,
    9.07,
    8.83,
    8.68,
    8.58,
    8.51,
    8.25,
    8.44,
    8.73,
    9.1,
    9.37,
    9.46,
    9.5,
    9.52,
    9.49,
    9.46,
    9.44,
    9.46,
    9.37,
    8.93,
    8.7,
    8.57,
    8.5,
    8.49
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "transport_operators_rate": {
   "name": "transport_operators_rate",
   "label": "Transport operators, weighted average lending rate, per cent",
   "data": [
    12.24,
    null,
    null,
    12.08,
    12.05,
    12.06,
    11.88,
    11.76,
    11.73,
    11.64,
    11.6,
    11.51,
    11.27,
    11.08,
    10.85,
    10.67,
    10.52,
    10.47,
    10.51,
    10.6,
    10.69,
    10.7,
    10.86,
    10.86,
    10.74,
    10.67,
    10.45,
    10.32,
    10.07,
    9.92,
    9.77,
    10.05,
    9.58,
    9.63,
    9.86,
    10.02,
    10.17,
    10.19,
    10.25,
    10.34,
    10.39,
    10.35,
    10.29,
    10.34,
    10.43,
    10.15,
    10.18,
    9.86,
    9.8,
    9.85
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "professional_and_other_services_rate": {
   "name": "professional_and_other_services_rate",
   "label": "Professional and other services, weighted average lending rate, per cent",
   "data": [
    12.69,
    null,
    null,
    12.5,
    12.4,
    12.3,
    12.06,
    11.8,
    11.74,
    11.66,
    11.69,
    11.51,
    11.1,
    10.96,
    10.74,
    10.54,
    10.54,
    10.37,
    10.38,
    10.5,
    10.55,
    10.63,
    10.58,
    10.53,
    10.27,
    10.11,
    9.91,
    9.62,
    9.36,
    9.31,
    9.18,
    9.1,
    8.81,
    9.02,
    9.35,
    9.72,
    9.96,
    10,
    9.98,
    9.98,
    9.91,
    9.95,
    9.94,
    9.94,
    9.97,
    9.48,
    9.29,
    9.09,
    9.07,
    9.06
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "personal_loans_rate": {
   "name": "personal_loans_rate",
   "label": "Personal loans, weighted average lending rate, per cent",
   "data": [
    12.35,
    null,
    null,
    12.22,
    12.17,
    11.99,
    11.93,
    11.69,
    11.67,
    11.62,
    11.55,
    11.59,
    11.37,
    11.18,
    10.99,
    10.91,
    10.87,
    10.96,
    11,
    11.17,
    11.27,
    11.4,
    11.36,
    11.31,
    11.14,
    10.78,
    10.61,
    10.49,
    10.25,
    10.21,
    10.11,
    10.18,
    9.99,
    10.3,
    10.67,
    11.08,
    11.33,
    11.4,
    11.21,
    11.23,
    11.18,
    11.32,
    11.29,
    11.23,
    11.05,
    10.62,
    10.54,
    10.25,
    10.14,
    10.13
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "housing_rate": {
   "name": "housing_rate",
   "label": "Housing, weighted average lending rate, per cent",
   "data": [
    10.71,
    null,
    null,
    10.55,
    10.51,
    10.28,
    10.18,
    9.85,
    9.82,
    9.77,
    9.71,
    9.65,
    9.45,
    9.22,
    9.06,
    8.91,
    8.8,
    8.79,
    8.85,
    8.91,
    8.96,
    8.99,
    8.92,
    8.8,
    8.62,
    8.24,
    7.92,
    7.7,
    7.57,
    7.52,
    7.45,
    7.48,
    7.34,
    7.74,
    8.22,
    8.81,
    9.08,
    9.12,
    9.08,
    9.06,
    9,
    8.98,
    8.95,
    8.93,
    8.73,
    8.16,
    8.03,
    7.84,
    7.78,
    7.75
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "consumer_durables_rate": {
   "name": "consumer_durables_rate",
   "label": "Consumer Durables, weighted average lending rate, per cent",
   "data": [
    13.83,
    null,
    null,
    13.54,
    13.6,
    13.31,
    13.2,
    13.01,
    12.99,
    12.78,
    12.66,
    12.61,
    12.38,
    12.02,
    11.95,
    11.02,
    11.23,
    11.1,
    11.07,
    12,
    12.29,
    13.05,
    13.45,
    12.07,
    12.13,
    10.98,
    10.98,
    12.62,
    11.87,
    13.43,
    13.22,
    13.72,
    13.9,
    13.84,
    13.93,
    13.57,
    13.53,
    13.69,
    13.96,
    14.22,
    14.12,
    13.98,
    13.99,
    14.23,
    14.32,
    14.8,
    14.61,
    14.53,
    14.2,
    14.43
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "vehicles_rate": {
   "name": "vehicles_rate",
   "label": "Vehicles, weighted average lending rate, per cent",
   "data": [
    11.8,
    null,
    null,
    11.48,
    11.44,
    11.24,
    11.17,
    10.96,
    10.87,
    10.8,
    10.82,
    10.76,
    10.57,
    10.14,
    10.2,
    10.02,
    9.95,
    9.93,
    9.99,
    10.23,
    10.37,
    10.47,
    10.5,
    10.44,
    10.34,
    10.28,
    10.11,
    9.86,
    9.75,
    9.7,
    9.46,
    9.35,
    9.18,
    9.25,
    9.38,
    9.57,
    9.71,
    9.84,
    9.89,
    9.88,
    9.96,
    10.03,
    10.15,
    10.15,
    10.08,
    9.93,
    9.85,
    9.76,
    9.68,
    9.65
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "education_rate": {
   "name": "education_rate",
   "label": "Education, weighted average lending rate, per cent",
   "data": [
    12.97,
    null,
    null,
    12.77,
    12.75,
    12.49,
    12.36,
    12.1,
    12.06,
    12,
    11.91,
    11.83,
    11.71,
    11.56,
    11.4,
    11.26,
    11.12,
    11.05,
    11.03,
    11.04,
    11,
    10.97,
    10.87,
    10.72,
    10.56,
    10.29,
    10.01,
    9.76,
    9.57,
    9.51,
    9.39,
    9.4,
    9.19,
    9.4,
    9.7,
    10.08,
    10.35,
    10.45,
    10.54,
    10.55,
    10.54,
    10.52,
    10.52,
    10.5,
    10.32,
    9.75,
    9.63,
    9.4,
    9.32,
    9.27
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "personal_credit_cards_rate": {
   "name": "personal_credit_cards_rate",
   "label": "Personal Credit Cards, weighted average lending rate, per cent",
   "data": [
    36.2,
    null,
    null,
    36.44,
    36.28,
    35.98,
    35.66,
    35.11,
    36.16,
    35.8,
    35.33,
    36.48,
    36.44,
    36.16,
    34.38,
    34.67,
    35.49,
    35.39,
    35.22,
    35.16,
    35.75,
    36.05,
    35.95,
    35.86,
    35.93,
    36.04,
    36.63,
    36.57,
    36.41,
    36.35,
    36.54,
    37.31,
    36.35,
    36.73,
    36.98,
    37.41,
    38.73,
    37.32,
    37.78,
    37.34,
    36.88,
    38.85,
    37.32,
    37.19,
    37.64,
    37.57,
    37.51,
    37.3,
    37.01,
    36.94
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "other_personal_loans_rate": {
   "name": "other_personal_loans_rate",
   "label": "Other Personal Loans, weighted average lending rate, per cent",
   "data": [
    12.88,
    null,
    null,
    12.83,
    12.89,
    12.82,
    12.76,
    12.54,
    12.49,
    12.36,
    12.35,
    12.2,
    11.75,
    11.7,
    11.54,
    11.45,
    11.32,
    11.43,
    11.44,
    11.58,
    11.97,
    11.91,
    11.8,
    11.74,
    11.69,
    11.45,
    11.19,
    11.11,
    10.92,
    10.94,
    10.77,
    10.7,
    10.54,
    10.64,
    10.81,
    10.96,
    11.07,
    11.17,
    11.21,
    11.27,
    11.41,
    11.36,
    11.42,
    11.33,
    11.24,
    11.01,
    10.85,
    10.66,
    10.55,
    10.54
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "trade_rate": {
   "name": "trade_rate",
   "label": "Trade, weighted average lending rate, per cent",
   "data": [
    12.27,
    null,
    null,
    12.06,
    11.96,
    11.73,
    11.8,
    11.67,
    11.64,
    11.51,
    11.52,
    11.42,
    10.87,
    10.83,
    10.73,
    10.54,
    10.42,
    10.46,
    10.56,
    10.6,
    10.55,
    10.66,
    10.74,
    10.45,
    10.27,
    9.87,
    9.61,
    9.38,
    9.17,
    9.26,
    9.19,
    9.21,
    8.94,
    9.16,
    9.66,
    10.07,
    10.27,
    10.28,
    10.36,
    10.45,
    10.47,
    10.41,
    10.4,
    10.32,
    10.21,
    9.78,
    9.65,
    9.37,
    9.32,
    9.33
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "finance_rate": {
   "name": "finance_rate",
   "label": "Finance, weighted average lending rate, per cent",
   "data": [
    10.81,
    null,
    null,
    10.66,
    10.65,
    10.47,
    10.36,
    10.1,
    10.05,
    10.03,
    9.92,
    9.76,
    9.21,
    9.14,
    8.87,
    8.68,
    8.61,
    8.66,
    8.76,
    9.07,
    9.24,
    9.21,
    9.21,
    9,
    8.64,
    8.46,
    8.01,
    7.59,
    7.26,
    7.11,
    7.03,
    6.83,
    6.63,
    7,
    7.51,
    7.95,
    8.3,
    8.36,
    8.38,
    8.38,
    8.4,
    8.42,
    8.38,
    8.33,
    8.3,
    7.75,
    7.5,
    7.36,
    7.37,
    7.44
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "all_others_rate": {
   "name": "all_others_rate",
   "label": "All others, weighted average lending rate, per cent",
   "data": [
    12.46,
    null,
    null,
    12.2,
    11.85,
    11.9,
    11.76,
    11.4,
    11.3,
    11.39,
    11.34,
    11.06,
    11.06,
    11.14,
    11.19,
    10.52,
    10.37,
    10.41,
    10.4,
    10.81,
    10.77,
    10.96,
    11.15,
    10.75,
    10.55,
    10.43,
    10.05,
    10.04,
    9.91,
    9.5,
    9.3,
    9.01,
    8.91,
    8.94,
    9.18,
    9.68,
    9.99,
    9.88,
    9.83,
    9.81,
    9.89,
    9.98,
    9.6,
    10.07,
    10.2,
    9.98,
    9.75,
    9.52,
    9.5,
    9.58
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "total_credit_rate": {
   "name": "total_credit_rate",
   "label": "Total credit, weighted average lending rate, per cent",
   "data": [
    12.04,
    null,
    null,
    11.85,
    11.79,
    11.69,
    11.59,
    11.39,
    11.34,
    11.28,
    11.26,
    11.2,
    10.89,
    10.78,
    10.62,
    10.44,
    10.35,
    10.34,
    10.33,
    10.43,
    10.46,
    10.53,
    10.55,
    10.4,
    10.23,
    9.97,
    9.76,
    9.53,
    9.32,
    9.25,
    9.15,
    9.14,
    8.9,
    9.11,
    9.45,
    9.81,
    10.08,
    10.15,
    10.16,
    10.18,
    10.18,
    10.23,
    10.2,
    10.19,
    10.1,
    9.71,
    9.56,
    9.35,
    9.27,
    9.26
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  },
  "total_credit_excluding_personal_credit_cards_rate": {
   "name": "total_credit_excluding_personal_credit_cards_rate",
   "label": "Total Credit Excluding Personal Credit Cards, weighted average lending rate, per cent",
   "data": [
    11.92,
    null,
    null,
    11.71,
    11.65,
    11.53,
    11.43,
    11.22,
    11.17,
    11.1,
    11.08,
    10.99,
    10.67,
    10.55,
    10.4,
    10.21,
    10.1,
    10.06,
    10.06,
    10.14,
    10.17,
    10.21,
    10.22,
    10.05,
    9.89,
    9.65,
    9.41,
    9.16,
    8.96,
    8.88,
    8.77,
    8.74,
    8.52,
    8.71,
    9.03,
    9.39,
    9.64,
    9.72,
    9.74,
    9.76,
    9.77,
    9.77,
    9.75,
    9.75,
    9.68,
    9.29,
    9.12,
    8.95,
    8.89,
    8.89
   ],
   "gaps": [
    "2014-06-01",
    "2014-09-01"
   ],
   "gapsNote": "Not published for this quarter: the RBI's table skips it (September 2014).",
   "unit": "pct_per_annum"
  }
 }
}