{
 "meta": {
  "latestPeriod": "2025-06-01",
  "dossier": "credit-sibc",
  "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": "monthly",
  "unit": "inr_lakh_crore",
  "base": "SIBC 2019 format",
  "coverage": "Bank credit by sector excluding the effect of bank mergers, as the RBI publishes it beside the raw figures, January 2019 to June 2025",
  "note": "RBI DBIE report 539, the 'Excluding Merger' rows, ₹ lakh crore, the month's last reporting Friday. They differ from the raw figures (credit-sectors) from January 2021 to April 2022 for an earlier amalgamation, and from July 2023 for HDFC Ltd's merger into HDFC Bank; RBI stopped them after June 2025. Bank credit excluding mergers is printed only from February 2023. Never joined to the raw series."
 },
 "dates": [
  "2019-01-01",
  "2019-02-01",
  "2019-03-01",
  "2019-04-01",
  "2019-05-01",
  "2019-06-01",
  "2019-07-01",
  "2019-08-01",
  "2019-09-01",
  "2019-10-01",
  "2019-11-01",
  "2019-12-01",
  "2020-01-01",
  "2020-02-01",
  "2020-03-01",
  "2020-04-01",
  "2020-05-01",
  "2020-06-01",
  "2020-07-01",
  "2020-08-01",
  "2020-09-01",
  "2020-10-01",
  "2020-11-01",
  "2020-12-01",
  "2021-01-01",
  "2021-02-01",
  "2021-03-01",
  "2021-04-01",
  "2021-05-01",
  "2021-06-01",
  "2021-07-01",
  "2021-08-01",
  "2021-09-01",
  "2021-10-01",
  "2021-11-01",
  "2021-12-01",
  "2022-01-01",
  "2022-02-01",
  "2022-03-01",
  "2022-04-01",
  "2022-05-01",
  "2022-06-01",
  "2022-07-01",
  "2022-08-01",
  "2022-09-01",
  "2022-10-01",
  "2022-11-01",
  "2022-12-01",
  "2023-01-01",
  "2023-02-01",
  "2023-03-01",
  "2023-04-01",
  "2023-05-01",
  "2023-06-01",
  "2023-07-01",
  "2023-08-01",
  "2023-09-01",
  "2023-10-01",
  "2023-11-01",
  "2023-12-01",
  "2024-01-01",
  "2024-02-01",
  "2024-03-01",
  "2024-04-01",
  "2024-05-01",
  "2024-06-01",
  "2024-07-01",
  "2024-08-01",
  "2024-09-01",
  "2024-10-01",
  "2024-11-01",
  "2024-12-01",
  "2025-01-01",
  "2025-02-01",
  "2025-03-01",
  "2025-04-01",
  "2025-05-01",
  "2025-06-01"
 ],
 "series": {
  "bank_credit": {
   "name": "bank_credit_ex_merger_inr_lakh_crore",
   "label": "Bank credit, excluding mergers (RBI)",
   "data": [
    93.326,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    134.15,
    136.553,
    138.364,
    140.097,
    null,
    141.768,
    143.151,
    145.589,
    150.004,
    152.473,
    153.889,
    154.904,
    156.777,
    159.015,
    159.71,
    162.73,
    163.858,
    163.203,
    164.6,
    166.486,
    169.635,
    170.479,
    173.043,
    174.332,
    175.568,
    178.226,
    177.743,
    178.886,
    180.886
   ],
   "gaps": [
    "2019-02-01",
    "2019-03-01",
    "2019-04-01",
    "2019-05-01",
    "2019-06-01",
    "2019-07-01",
    "2019-08-01",
    "2019-09-01",
    "2019-10-01",
    "2019-11-01",
    "2019-12-01",
    "2020-01-01",
    "2020-02-01",
    "2020-03-01",
    "2020-04-01",
    "2020-05-01",
    "2020-06-01",
    "2020-07-01",
    "2020-08-01",
    "2020-09-01",
    "2020-10-01",
    "2020-11-01",
    "2020-12-01",
    "2021-01-01",
    "2021-02-01",
    "2021-03-01",
    "2021-04-01",
    "2021-05-01",
    "2021-06-01",
    "2021-07-01",
    "2021-08-01",
    "2021-09-01",
    "2021-10-01",
    "2021-11-01",
    "2021-12-01",
    "2022-01-01",
    "2022-02-01",
    "2022-03-01",
    "2022-04-01",
    "2022-05-01",
    "2022-06-01",
    "2022-07-01",
    "2022-08-01",
    "2022-09-01",
    "2022-10-01",
    "2022-11-01",
    "2022-12-01",
    "2023-01-01",
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "non_food_credit": {
   "name": "non_food_credit_ex_merger_inr_lakh_crore",
   "label": "Non-food credit, excluding mergers (RBI)",
   "data": [
    92.616,
    93.786,
    97.301,
    95.778,
    95.558,
    95.773,
    95.924,
    96.178,
    97.068,
    97.708,
    97.69,
    99.526,
    100.263,
    100.393,
    103.191,
    102.208,
    101.433,
    101.564,
    102.028,
    101.502,
    102.052,
    102.722,
    103.459,
    106.101,
    106.166,
    106.995,
    108.883,
    108.022,
    107.406,
    108.454,
    108.331,
    108.288,
    108.945,
    109.809,
    110.798,
    114.934,
    113.866,
    115.755,
    118.363,
    119.138,
    119.849,
    123.454,
    123.37,
    124.309,
    126.081,
    128.577,
    128.956,
    132.529,
    132.874,
    134.15,
    136.553,
    138.364,
    139.729,
    null,
    141.56,
    142.958,
    145.4,
    149.776,
    152.056,
    153.457,
    154.447,
    156.372,
    158.784,
    159.529,
    162.327,
    163.519,
    162.921,
    164.356,
    166.287,
    169.335,
    169.967,
    172.482,
    173.77,
    175.093,
    177.861,
    177.421,
    178.18,
    180.242
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "industry": {
   "name": "industry_ex_merger_inr_lakh_crore",
   "label": "Industry, excluding mergers (RBI)",
   "data": [
    27.154,
    27.454,
    28.375,
    28.179,
    27.715,
    27.802,
    27.615,
    27.371,
    27.309,
    28.924,
    28.666,
    28.484,
    28.692,
    28.713,
    29.469,
    29.284,
    29.047,
    29.114,
    28.69,
    28.25,
    28.317,
    28.038,
    28.176,
    28.229,
    28.551,
    28.83,
    30.32,
    29.859,
    29.808,
    29.63,
    29.509,
    29.395,
    29.535,
    29.721,
    29.892,
    31.064,
    31.023,
    31.566,
    31.811,
    32.267,
    32.448,
    32.489,
    32.646,
    32.775,
    33.239,
    33.726,
    33.777,
    33.75,
    33.727,
    33.72,
    33.664,
    34.525,
    33.861,
    null,
    33.631,
    34.055,
    34.718,
    35.08,
    35.4,
    36.053,
    35.973,
    36.282,
    36.654,
    36.704,
    37.21,
    37.47,
    37.409,
    37.744,
    38.219,
    37.972,
    38.365,
    38.811,
    39.019,
    39.048,
    39.736,
    39.321,
    39.212,
    39.865
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "services": {
   "name": "services_ex_merger_inr_lakh_crore",
   "label": "Services, excluding mergers (RBI)",
   "data": [
    21.98,
    22.191,
    23.407,
    22.792,
    22.316,
    22.321,
    22.51,
    22.69,
    23.213,
    24.656,
    24.654,
    24.826,
    25.316,
    25.359,
    26.72,
    26.543,
    26.076,
    26.179,
    26.243,
    26.426,
    26.538,
    26.39,
    26.478,
    26.598,
    27.092,
    27.503,
    28.432,
    27.77,
    27.596,
    27.858,
    27.866,
    27.637,
    27.541,
    27.804,
    28.036,
    30.032,
    29.403,
    29.985,
    31.125,
    30.929,
    31.149,
    31.459,
    32.529,
    32.429,
    33.058,
    34.061,
    34.005,
    35.864,
    35.691,
    36.147,
    37.188,
    37.589,
    38.005,
    null,
    39.172,
    39.452,
    40.407,
    40.806,
    41.334,
    42.814,
    42.979,
    43.685,
    44.455,
    44.624,
    45.384,
    45.655,
    44.883,
    45.091,
    46.022,
    46.489,
    47.204,
    48.315,
    48.846,
    49.262,
    50.261,
    49.452,
    49.48,
    49.974
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "transport_operators": {
   "name": "transport_operators_ex_merger_inr_lakh_crore",
   "label": "Transport operators, excluding mergers (RBI)",
   "data": [
    4.809,
    4.293,
    5.171,
    4.736,
    4.62,
    4.554,
    4.381,
    4.212,
    4.326,
    4.729,
    4.619,
    4.569,
    4.827,
    4.882,
    4.696,
    5.53,
    5.315,
    5.447,
    5.142,
    5.421,
    5.269,
    5.32,
    5.616,
    5.423,
    5.629,
    6.269,
    5.486,
    5.26,
    5.242,
    5.507,
    5.447,
    5.479,
    5.553,
    5.437,
    5.313,
    6.237,
    5.589,
    5.89,
    6.353,
    5.917,
    5.943,
    6.033,
    6.613,
    6.558,
    6.67,
    6.762,
    6.651,
    7.042,
    6.941,
    6.939,
    7.21,
    7.331,
    7.555,
    null,
    8.352,
    8.451,
    8.582,
    8.184,
    8.595,
    9.002,
    9.163,
    9.532,
    9.657,
    9.532,
    9.597,
    9.828,
    9.384,
    9.385,
    9.919,
    9.981,
    10.204,
    10.383,
    10.656,
    10.752,
    11.078,
    10.567,
    10.99,
    10.9
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "commercial_real_estate": {
   "name": "commercial_real_estate_ex_merger_inr_lakh_crore",
   "label": "Commercial real estate, excluding mergers (RBI)",
   "data": [
    2.214,
    2.232,
    2.279,
    2.265,
    2.241,
    2.287,
    2.33,
    2.404,
    2.422,
    2.768,
    2.803,
    2.78,
    2.831,
    2.889,
    2.882,
    2.82,
    2.825,
    2.845,
    2.878,
    2.845,
    2.845,
    2.832,
    2.871,
    2.879,
    2.877,
    2.891,
    2.973,
    2.971,
    2.956,
    2.95,
    2.905,
    2.871,
    2.848,
    2.824,
    2.894,
    3.001,
    2.974,
    2.945,
    2.975,
    3.016,
    3.079,
    3.055,
    3.018,
    3.026,
    3.05,
    3.127,
    3.118,
    3.171,
    3.216,
    3.207,
    3.226,
    3.302,
    3.297,
    null,
    3.428,
    3.471,
    3.548,
    3.511,
    3.57,
    3.648,
    3.69,
    3.852,
    3.917,
    3.949,
    4.071,
    4.135,
    4.183,
    4.297,
    4.333,
    4.443,
    4.533,
    4.622,
    4.671,
    4.717,
    4.792,
    4.944,
    4.967,
    5.038
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "personal_loans": {
   "name": "personal_loans_ex_merger_inr_lakh_crore",
   "label": "Personal loans, excluding mergers (RBI)",
   "data": [
    22.246,
    22.468,
    23.031,
    23.085,
    23.215,
    23.399,
    23.674,
    23.879,
    24.251,
    25.615,
    25.789,
    26.047,
    26.855,
    27.062,
    27.269,
    26.782,
    26.423,
    26.557,
    27.014,
    27.064,
    27.353,
    27.854,
    28.197,
    28.488,
    29.134,
    29.632,
    30.48,
    30.663,
    30.356,
    30.367,
    30.837,
    31.129,
    31.562,
    31.999,
    32.424,
    33.437,
    33.561,
    34.045,
    34.661,
    35.229,
    35.462,
    35.999,
    36.768,
    37.317,
    37.851,
    38.559,
    38.881,
    40.263,
    40.518,
    41.07,
    41.828,
    42.174,
    42.389,
    null,
    43.643,
    44.233,
    44.853,
    45.72,
    46.331,
    47.521,
    48.094,
    48.632,
    49.349,
    49.542,
    50.708,
    51.071,
    51.345,
    51.876,
    52.361,
    52.959,
    53.903,
    54.607,
    54.917,
    55.469,
    56.299,
    56.751,
    57.663,
    58.356
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "housing": {
   "name": "housing_ex_merger_inr_lakh_crore",
   "label": "Housing loans, excluding mergers (RBI)",
   "data": [
    11.417,
    11.537,
    11.765,
    11.871,
    11.928,
    12.082,
    12.229,
    12.362,
    12.554,
    12.952,
    13.022,
    13.037,
    13.412,
    13.509,
    13.619,
    13.647,
    13.535,
    13.602,
    13.752,
    13.739,
    13.867,
    13.996,
    14.119,
    14.265,
    14.5,
    14.691,
    15.12,
    15.278,
    15.307,
    15.408,
    15.528,
    15.656,
    15.892,
    16.056,
    16.249,
    16.739,
    16.756,
    17.034,
    17.385,
    17.489,
    17.521,
    17.852,
    18.15,
    18.32,
    18.526,
    18.734,
    18.94,
    19.477,
    19.394,
    19.624,
    19.912,
    20.021,
    20.097,
    null,
    20.521,
    20.811,
    21.06,
    21.441,
    21.769,
    22.283,
    22.639,
    22.9,
    23.319,
    23.583,
    24.092,
    24.274,
    24.435,
    24.715,
    24.906,
    25.251,
    25.684,
    26.012,
    26.144,
    26.476,
    26.891,
    27.041,
    27.428,
    27.763
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "other_personal_loans": {
   "name": "other_personal_loans_ex_merger_inr_lakh_crore",
   "label": "Other personal loans, excluding mergers (RBI)",
   "data": [
    5.315,
    5.402,
    5.526,
    5.579,
    5.622,
    5.635,
    5.765,
    5.829,
    5.927,
    6.38,
    6.463,
    6.64,
    6.829,
    6.949,
    6.941,
    6.697,
    6.593,
    6.578,
    6.774,
    6.781,
    6.834,
    7.018,
    7.081,
    7.166,
    7.31,
    7.553,
    7.751,
    7.776,
    7.718,
    7.658,
    7.913,
    7.995,
    8.063,
    8.241,
    8.414,
    8.667,
    8.675,
    8.881,
    9.016,
    9.325,
    9.492,
    9.558,
    9.724,
    9.912,
    10.115,
    10.297,
    10.431,
    10.851,
    10.986,
    11.249,
    11.48,
    11.663,
    11.774,
    null,
    12.164,
    12.275,
    12.533,
    13.058,
    13.168,
    13.529,
    13.699,
    13.867,
    14.031,
    13.924,
    14.213,
    14.216,
    14.229,
    14.292,
    14.433,
    14.491,
    14.722,
    14.788,
    14.896,
    14.984,
    15.148,
    15.181,
    15.305,
    15.286
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  },
  "psl_housing": {
   "name": "psl_housing_ex_merger_inr_lakh_crore",
   "label": "Priority sector: housing, excluding mergers (RBI)",
   "data": [
    4.822,
    4.796,
    4.818,
    4.862,
    4.828,
    4.907,
    4.934,
    5.013,
    5.18,
    5.15,
    5.287,
    5.038,
    5.559,
    5.917,
    5.591,
    5.497,
    5.568,
    5.561,
    5.612,
    5.676,
    5.44,
    5.612,
    5.43,
    5.672,
    5.709,
    5.784,
    5.782,
    5.836,
    5.869,
    5.866,
    5.923,
    5.973,
    5.964,
    5.987,
    5.999,
    5.883,
    6.012,
    6.071,
    6.179,
    6.157,
    6.169,
    6.185,
    6.087,
    6.197,
    6.27,
    6.331,
    6.149,
    6.194,
    6.164,
    6.206,
    6.229,
    6.253,
    6.245,
    null,
    6.631,
    6.248,
    6.371,
    6.432,
    6.417,
    6.499,
    6.599,
    6.584,
    6.606,
    6.598,
    6.709,
    6.617,
    6.338,
    6.618,
    6.637,
    6.66,
    6.677,
    6.673,
    6.642,
    6.649,
    6.651,
    6.64,
    6.71,
    7.761
   ],
   "gaps": [
    "2023-06-01"
   ],
   "gapsNote": "Not printed for this month in report 539.",
   "unit": "inr_lakh_crore"
  }
 }
}