{
 "meta": {
  "latestPeriod": "2026-08-01",
  "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",
  "reportingDates": [
   "2019-01-18",
   "2019-02-15",
   "2019-03-29",
   "2019-04-26",
   "2019-05-24",
   "2019-06-21",
   "2019-07-19",
   "2019-08-30",
   "2019-09-27",
   "2019-10-25",
   "2019-11-22",
   "2019-12-20",
   "2020-01-31",
   "2020-02-28",
   "2020-03-27",
   "2020-04-24",
   "2020-05-22",
   "2020-06-19",
   "2020-07-31",
   "2020-08-28",
   "2020-09-25",
   "2020-10-23",
   "2020-11-20",
   "2020-12-18",
   "2021-01-29",
   "2021-02-26",
   "2021-03-26",
   "2021-04-23",
   "2021-05-21",
   "2021-06-18",
   "2021-07-30",
   "2021-08-27",
   "2021-09-24",
   "2021-10-22",
   "2021-11-19",
   "2021-12-31",
   "2022-01-28",
   "2022-02-25",
   "2022-03-25",
   "2022-04-22",
   "2022-05-20",
   "2022-06-17",
   "2022-07-29",
   "2022-08-26",
   "2022-09-23",
   "2022-10-21",
   "2022-11-18",
   "2022-12-30",
   "2023-01-27",
   "2023-02-24",
   "2023-03-24",
   "2023-04-21",
   "2023-05-19",
   "2023-06-30",
   "2023-07-28",
   "2023-08-25",
   "2023-09-22",
   "2023-10-20",
   "2023-11-17",
   "2023-12-29",
   "2024-01-26",
   "2024-02-23",
   "2024-03-22",
   "2024-04-19",
   "2024-05-31",
   "2024-06-28",
   "2024-07-26",
   "2024-08-23",
   "2024-09-20",
   "2024-10-18",
   "2024-11-29",
   "2024-12-27",
   "2025-01-24",
   "2025-02-21",
   "2025-03-21",
   "2025-04-18",
   "2025-05-30",
   "2025-06-27",
   "2025-07-25",
   "2025-08-22",
   "2025-09-19",
   "2025-10-31",
   "2025-11-28",
   "2025-12-31",
   "2026-01-31",
   "2026-02-28",
   "2026-03-31",
   "2026-04-30",
   "2026-05-31",
   "2026-06-30",
   "2026-07-31",
   "2026-08-31"
  ],
  "base": "SIBC 2019 format",
  "coverage": "Bank credit by sector, current classification: agriculture, industry by size, services and NBFCs, personal loans by type (housing, vehicles, cards, gold, education), priority sector, monthly since January 2019",
  "note": "RBI, Deployment of Bank Credit by Major Sectors, new format, ₹ lakh crore: the DBIE export to 2026-07-31, then the monthly press-release workbooks. Bank credit, food credit and non-food credit cover all scheduled commercial banks (Section 42 return); every sector and industry row covers the selected banks of the sector-wise and industry-wise return (SIBC), about 95% of non-food credit. Each month is its last reporting fortnight; from December 2025 the last day of the month (Banking Laws (Amendment) Act 2025). From July 2023 the figures include HDFC Ltd's loans, merged into HDFC Bank: housing loans jump and loans to NBFCs drop that month. Since May 2024 one bank reclassifies a category of agricultural loans as loans against gold jewellery. Not merger-adjusted. Bank, food and non-food credit are the Section 42 figures of the same reporting date (DBIE reports 689 and 1130) wherever those reports carry it; on 2019-12-20, 2020-12-18, 2021-06-18, 2022-05-20, 2022-06-17, 2023-05-19, 2023-10-20, 2023-11-17, 2024-03-22, 2024-10-18, 2025-02-21, 2025-03-21, 2025-04-18 the export printed a different fortnight's figures."
 },
 "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",
  "2025-07-01",
  "2025-08-01",
  "2025-09-01",
  "2025-10-01",
  "2025-11-01",
  "2025-12-01",
  "2026-01-01",
  "2026-02-01",
  "2026-03-01",
  "2026-04-01",
  "2026-05-01",
  "2026-06-01",
  "2026-07-01",
  "2026-08-01"
 ],
 "series": {
  "agriculture": {
   "name": "agriculture_inr_lakh_crore",
   "label": "Agriculture and allied activities",
   "code": "1",
   "data": [
    10.835,
    10.938,
    11.131,
    11.067,
    11.002,
    10.993,
    11.073,
    11.088,
    11.231,
    11.746,
    11.761,
    11.778,
    11.97,
    12.008,
    12.032,
    12.077,
    12.129,
    12.014,
    12.157,
    12.022,
    12.454,
    12.638,
    12.64,
    12.807,
    13.12,
    13.216,
    13.296,
    13.648,
    13.548,
    13.582,
    13.791,
    13.864,
    14.083,
    14.3,
    14.33,
    14.957,
    14.644,
    14.737,
    14.965,
    15.121,
    15.165,
    15.364,
    15.646,
    15.756,
    15.966,
    16.268,
    16.322,
    16.677,
    16.744,
    16.934,
    17.264,
    17.656,
    17.591,
    18.393,
    18.26,
    18.352,
    18.625,
    19.097,
    19.277,
    19.91,
    20.091,
    20.322,
    20.713,
    21.16,
    21.39,
    21.596,
    21.563,
    21.606,
    21.673,
    22.056,
    22.235,
    22.39,
    22.535,
    22.643,
    22.871,
    23.096,
    22.988,
    23.06,
    23.138,
    23.247,
    23.616,
    24.026,
    24.171,
    25.092,
    25.098,
    25.435,
    26.442,
    26.26,
    26.415,
    26.94,
    27.067,
    27.251
   ],
   "unit": "inr_lakh_crore"
  },
  "industry": {
   "name": "industry_inr_lakh_crore",
   "label": "Industry",
   "code": "2",
   "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,
    29.453,
    29.751,
    29.406,
    29.629,
    29.575,
    29.419,
    29.342,
    29.222,
    29.391,
    29.543,
    29.78,
    30.873,
    30.494,
    31.026,
    31.811,
    31.748,
    31.93,
    32.091,
    32.146,
    32.326,
    32.765,
    33.206,
    33.282,
    33.268,
    33.217,
    33.216,
    33.664,
    34.046,
    33.861,
    34.478,
    33.81,
    34.237,
    34.897,
    35.255,
    35.575,
    36.225,
    36.144,
    36.452,
    36.824,
    36.867,
    37.37,
    37.629,
    37.578,
    37.9,
    38.372,
    38.122,
    38.512,
    38.935,
    39.14,
    39.168,
    39.857,
    39.439,
    39.336,
    40.014,
    40.023,
    40.56,
    41.362,
    41.927,
    42.194,
    43.909,
    43.883,
    44.472,
    45.843,
    45.377,
    46.239,
    47.715,
    48.008,
    47.954
   ],
   "unit": "inr_lakh_crore"
  },
  "industry_micro_small": {
   "name": "industry_micro_small_inr_lakh_crore",
   "label": "Industry, micro and small",
   "code": "2.1",
   "data": [
    3.667,
    3.665,
    3.714,
    3.755,
    3.567,
    3.552,
    3.556,
    3.64,
    3.704,
    3.843,
    3.875,
    3.816,
    4.004,
    4.024,
    4.031,
    3.889,
    3.809,
    3.835,
    3.932,
    3.915,
    3.986,
    3.997,
    4.033,
    4.093,
    4.277,
    4.384,
    4.332,
    4.423,
    4.303,
    4.508,
    4.575,
    4.62,
    4.788,
    4.874,
    4.934,
    5.38,
    5.314,
    5.485,
    5.602,
    5.772,
    5.799,
    5.841,
    5.864,
    5.919,
    6.024,
    5.849,
    5.885,
    6.119,
    6.125,
    6.213,
    6.333,
    6.34,
    6.374,
    6.593,
    6.444,
    6.556,
    6.621,
    6.879,
    6.94,
    7.088,
    7.173,
    7.218,
    7.331,
    7.385,
    7.434,
    7.387,
    7.37,
    7.507,
    7.58,
    7.571,
    7.645,
    7.785,
    7.86,
    7.913,
    7.985,
    8.064,
    8.452,
    8.807,
    8.913,
    9.071,
    9.247,
    9.536,
    9.523,
    10.15,
    10.313,
    10.318,
    10.594,
    10.491,
    10.664,
    10.837,
    10.924,
    11.154
   ],
   "unit": "inr_lakh_crore"
  },
  "industry_medium": {
   "name": "industry_medium_inr_lakh_crore",
   "label": "Industry, medium",
   "code": "2.2",
   "data": [
    1.031,
    0.9567,
    1.008,
    1.024,
    0.9935,
    0.9945,
    0.9965,
    1.013,
    1.018,
    1.063,
    1.045,
    1.068,
    1.098,
    1.082,
    1.086,
    1.012,
    1.019,
    0.9699,
    1.04,
    1.1,
    1.242,
    1.29,
    1.302,
    1.297,
    1.434,
    1.493,
    1.452,
    1.604,
    1.726,
    1.699,
    1.812,
    1.837,
    1.887,
    1.926,
    1.971,
    2.324,
    2.254,
    2.339,
    2.389,
    2.45,
    2.445,
    2.463,
    2.465,
    2.481,
    2.539,
    2.505,
    2.533,
    2.67,
    2.654,
    2.65,
    2.683,
    2.732,
    2.714,
    2.81,
    2.707,
    2.724,
    2.776,
    2.83,
    2.859,
    2.927,
    2.944,
    3.013,
    3.064,
    3.117,
    3.158,
    3.188,
    3.197,
    3.274,
    3.37,
    3.384,
    3.431,
    3.507,
    3.486,
    3.556,
    3.632,
    3.682,
    3.692,
    3.61,
    3.676,
    3.709,
    3.86,
    3.981,
    3.971,
    4.222,
    4.262,
    4.303,
    4.426,
    4.414,
    4.474,
    4.703,
    4.796,
    4.887
   ],
   "unit": "inr_lakh_crore"
  },
  "industry_large": {
   "name": "industry_large_inr_lakh_crore",
   "label": "Industry, large",
   "code": "2.3",
   "data": [
    22.456,
    22.832,
    23.654,
    23.4,
    23.154,
    23.256,
    23.063,
    22.718,
    22.587,
    24.018,
    23.746,
    23.601,
    23.59,
    23.607,
    24.352,
    24.382,
    24.219,
    24.309,
    23.718,
    23.235,
    23.088,
    22.75,
    22.841,
    22.84,
    23.742,
    23.874,
    23.622,
    23.602,
    23.546,
    23.212,
    22.955,
    22.765,
    22.717,
    22.743,
    22.875,
    23.169,
    22.927,
    23.202,
    23.82,
    23.525,
    23.685,
    23.787,
    23.816,
    23.926,
    24.202,
    24.852,
    24.864,
    24.48,
    24.437,
    24.353,
    24.648,
    24.974,
    24.773,
    25.076,
    24.659,
    24.957,
    25.5,
    25.546,
    25.775,
    26.21,
    26.027,
    26.221,
    26.428,
    26.364,
    26.778,
    27.054,
    27.01,
    27.119,
    27.422,
    27.168,
    27.436,
    27.642,
    27.793,
    27.699,
    28.239,
    27.693,
    27.192,
    27.597,
    27.434,
    27.78,
    28.255,
    28.411,
    28.7,
    29.536,
    29.308,
    29.851,
    30.823,
    30.473,
    31.101,
    32.176,
    32.288,
    31.913
   ],
   "unit": "inr_lakh_crore"
  },
  "services": {
   "name": "services_inr_lakh_crore",
   "label": "Services",
   "code": "3",
   "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,
    27.796,
    28.192,
    27.648,
    27.676,
    27.49,
    27.732,
    27.703,
    27.468,
    27.35,
    27.661,
    27.849,
    29.914,
    29.622,
    30.213,
    31.125,
    31.121,
    31.331,
    31.638,
    32.729,
    32.616,
    33.224,
    34.234,
    34.174,
    36.029,
    35.887,
    36.34,
    37.188,
    37.747,
    38.005,
    40.108,
    40.395,
    40.763,
    41.661,
    42.038,
    42.548,
    44.007,
    44.139,
    44.719,
    45.472,
    45.591,
    46.321,
    46.565,
    45.741,
    45.931,
    46.845,
    47.293,
    47.984,
    49.057,
    49.564,
    49.956,
    50.936,
    50.214,
    50.206,
    50.673,
    50.404,
    50.647,
    51.442,
    53.452,
    53.596,
    56.613,
    57.23,
    58.078,
    60.614,
    59.545,
    60.452,
    61.53,
    61.969,
    62.978
   ],
   "unit": "inr_lakh_crore"
  },
  "transport_operators": {
   "name": "transport_operators_inr_lakh_crore",
   "label": "Transport operators",
   "code": "3.1",
   "data": [
    1.104,
    1.151,
    1.147,
    1.166,
    1.165,
    1.174,
    1.176,
    1.204,
    1.211,
    1.284,
    1.275,
    1.282,
    1.304,
    1.316,
    1.326,
    1.393,
    1.366,
    1.347,
    1.354,
    1.352,
    1.353,
    1.362,
    1.379,
    1.369,
    1.526,
    1.534,
    1.43,
    1.548,
    1.524,
    1.498,
    1.523,
    1.521,
    1.519,
    1.531,
    1.569,
    1.591,
    1.591,
    1.606,
    1.674,
    1.645,
    1.645,
    1.653,
    1.686,
    1.686,
    1.715,
    1.744,
    1.752,
    1.793,
    1.816,
    1.843,
    1.921,
    1.965,
    1.965,
    2.041,
    2.041,
    2.061,
    2.094,
    2.165,
    2.201,
    2.252,
    2.292,
    2.299,
    2.324,
    2.374,
    2.456,
    2.449,
    2.469,
    2.462,
    2.477,
    2.491,
    2.524,
    2.556,
    2.567,
    2.607,
    2.616,
    2.634,
    2.664,
    2.691,
    2.69,
    2.7,
    2.703,
    2.755,
    2.763,
    2.668,
    2.677,
    2.804,
    2.868,
    2.862,
    2.867,
    2.898,
    2.904,
    2.933
   ],
   "unit": "inr_lakh_crore"
  },
  "other_services": {
   "name": "other_services_inr_lakh_crore",
   "label": "Other services",
   "code": "3.10",
   "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,
    5.746,
    6.37,
    5.322,
    5.248,
    5.219,
    5.469,
    5.375,
    5.39,
    5.442,
    5.347,
    5.18,
    6.186,
    5.736,
    6.035,
    6.353,
    6.065,
    6.01,
    6.074,
    6.63,
    6.51,
    6.626,
    6.675,
    6.661,
    7.034,
    6.96,
    6.96,
    7.21,
    7.311,
    7.555,
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   ],
   "unit": "inr_lakh_crore"
  },
  "other_personal_loans": {
   "name": "other_personal_loans_inr_lakh_crore",
   "label": "Other personal loans",
   "code": "4.9",
   "data": [
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    17.843,
    17.959
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   "unit": "inr_lakh_crore"
  },
  "psl_agriculture": {
   "name": "psl_agriculture_inr_lakh_crore",
   "label": "Priority sector: agriculture",
   "code": "5.1",
   "data": [
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    25.653,
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    26.527,
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    25.937,
    27.279,
    27.324,
    27.594
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   "unit": "inr_lakh_crore"
  },
  "psl_weaker_sections": {
   "name": "psl_weaker_sections_inr_lakh_crore",
   "label": "Priority sector: weaker sections",
   "code": "5.10",
   "data": [
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    20.078,
    20.324,
    20.711,
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    19.988,
    21.048,
    21.224,
    21.36
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   "unit": "inr_lakh_crore"
  },
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   "name": "psl_micro_small_inr_lakh_crore",
   "label": "Priority sector: micro and small enterprises",
   "code": "5.2",
   "data": [
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    15.214,
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    17.692,
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    27.353,
    28.122,
    28.969,
    29.733,
    29.814,
    30.635,
    30.879,
    31.616
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   "unit": "inr_lakh_crore"
  },
  "psl_medium": {
   "name": "psl_medium_inr_lakh_crore",
   "label": "Priority sector: medium enterprises",
   "code": "5.3",
   "data": [
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    3.86,
    3.911,
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    4.499,
    4.617,
    4.606,
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    6.83,
    6.922,
    7.092,
    7.085,
    7.19,
    7.55,
    7.705,
    7.921
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   "unit": "inr_lakh_crore"
  },
  "psl_housing": {
   "name": "psl_housing_inr_lakh_crore",
   "label": "Priority sector: housing",
   "code": "5.4",
   "data": [
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    5.883,
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    6.245,
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    10.308,
    10.334,
    10.438,
    10.414,
    10.429,
    10.388,
    10.402,
    10.361
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   "unit": "inr_lakh_crore"
  },
  "psl_education": {
   "name": "psl_education_inr_lakh_crore",
   "label": "Priority sector: education loans",
   "code": "5.5",
   "data": [
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    0.5993,
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    0.6199,
    0.6239,
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    0.6264,
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    0.6306,
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    0.6264,
    0.6314,
    0.6435,
    0.6884,
    0.7007,
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    0.7793,
    0.7729,
    0.7721,
    0.774,
    0.787,
    0.8034,
    0.8121
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   "unit": "inr_lakh_crore"
  },
  "psl_renewable_energy": {
   "name": "psl_renewable_energy_inr_lakh_crore",
   "label": "Priority sector: renewable energy",
   "code": "5.6",
   "data": [
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    0.01688,
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    0.01462,
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    0.01354,
    0.01346,
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    0.01772,
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    0.03811,
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    0.04026,
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    0.1396,
    0.1301,
    0.1385,
    0.1439,
    0.151,
    0.1601,
    0.1667
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   "unit": "inr_lakh_crore"
  },
  "psl_social_infrastructure": {
   "name": "psl_social_infrastructure_inr_lakh_crore",
   "label": "Priority sector: social infrastructure",
   "code": "5.7",
   "data": [
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    0.01565,
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    0.01443,
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    0.01603,
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    0.02344,
    0.02755,
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    0.02391,
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    0.01233,
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    0.008335,
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    0.01277,
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    0.01221,
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    0.01423,
    0.01307,
    0.01289,
    0.01324
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   "unit": "inr_lakh_crore"
  },
  "psl_export_credit": {
   "name": "psl_export_credit_inr_lakh_crore",
   "label": "Priority sector: export credit",
   "code": "5.8",
   "data": [
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    0.1174,
    0.1131
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   "unit": "inr_lakh_crore"
  },
  "psl_others": {
   "name": "psl_others_inr_lakh_crore",
   "label": "Priority sector: others",
   "code": "5.9",
   "data": [
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   "name": "bank_credit_inr_lakh_crore",
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   "unit": "inr_lakh_crore"
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   "name": "food_credit_inr_lakh_crore",
   "label": "Food credit",
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   "unit": "inr_lakh_crore"
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   "name": "non_food_credit_inr_lakh_crore",
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   "unit": "inr_lakh_crore"
  }
 }
}