Outstanding loans from scheduled commercial banks – September 2021

ेस काशनीPRESS RELEASE

रज़वर्ब क

RESERVE BANK OF INDIA

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Website : www.rbi.org.in

Department of Communication, Central Office, SBSMarg, Fort, Mumbai-400001

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December 30, 2021

Quarterly BSR-1: Outstanding credit on the due date

Commercial banks – September 2021

Today, the Reserve Bank released its web publication titled ‘Quarterly Basic

Statistical returns (BSR) -1:Outstanding credit from programmed commercial banks (SCB), September 2021 ‘ on its Database on Indian Economy (DBIE) portal (web link: https://dbie.rbi.org.in/DBIE/dbie.rbi?site=publications#!12). It captures various characteristics of bank credit such as profession / activity and organizational sector of the borrower, type of account and interest rates. Data reported by 89 SCB (excluding regional rural banks) are presented for banking groups, population groups and states1.

Strong points:

    • Bank credit growth continued to be driven by growth in personal loans, which accounted for 27.4% of total credit in September 2021, up from 25.0% a year ago and 19.3% five years ago. year.
    • Demand for bank credit from the industrial sector moderated during the Covid19 pandemic; its share of outstanding loans fell to 28.0% in September 2021, from 29.9% a year ago.
    • While private sector bank credit demand continued to moderate and the household sector’s share of credit2 Further increased, the share of borrowers with relatively small loans (with a credit limit of up to one crore rupee) increased to 47.2 percent of total credit vis à vis 44.4% one year ago and 37.1% five years ago.
    • The share of female individual borrowers in total credit stood at 9.8% in amount and 31.3% in number of credit accounts in September 2021; their share in the additional credit in the last year (September 2021 compared to September 2020) was over 20.5% in loan amount and 44.8% in terms of number of accounts.
    • Private sector banks continued to lead the expansion of lending and increased their share in total credit to 37.5% in September 2021, from 35.9% a year ago and 26.4% a year ago. five years.
  1. Banking aggregates on a bimonthly basis Reporting Form A (collected under Section 42 (2) of the RBI of 1934) for the last Friday report of September 2021 was posted earlier on our website (Home> Statistics> Data Release > Bi-monthly>Bank position statement planned in India) and disaggregated statistics on BSC deposits and loans for September 2021 were also released earlier (Home> Statistics> Data release> Quarterly> Quarterly statistics on deposits and credit of BSCs).
  2. The household sector includes individuals, business owners, Hindu Undivided Families (HUFs), and partnership partnerships, among others.

2

  • The weighted average borrowing rate (WALR) on outstanding loans fell by 10 basis points (bps) in the quarter ended September 2021 and by 61 bps in the last year.

Press release: 2021-2022 / 1448

Ajit Prasad

Director (Communication)

Warning

Reserve Bank of India published this content on December 30, 2021 and is solely responsible for the information it contains. Distributed by Public, unedited and unmodified, on December 30, 2021 12:46:00 PM UTC.

Public now 2021


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