**Executive Summary**
This press release, dated October 31, 2025, provides the sectoral deployment of bank credit for September 2025. The data is collected from 41 scheduled commercial banks (SCBs) and accounts for about 95% of total non-food credit by all SCBs. Key data points are related to the fortnight ended September 19, 2025.
**Key Points / Main Content**
* **Data Collection and Scope**
* Data collected from 41 select SCBs.
* Represents about 95% of the total non-food credit by all SCBs.
* Detailed data is available in Statements I and II.
* **Overall Non-Food Bank Credit Growth**
* Non-food bank credit grew by 10.2% year-on-year (y-o-y) as of September 19, 2025.
* This is a decrease compared to the 13.0% growth during the same period in the previous year (September 20, 2024).
* **Sectoral Highlights (as of September 19, 2025)**
* Agriculture and allied activities: y-o-y growth of 9.0%.
* Industry: y-o-y growth of 7.3%, with 'Micro and Small' and 'Medium' industries showing double-digit growth. Notable industries include 'all engineering', 'infrastructure', 'textiles', and 'vehicles, vehicle parts and transport equipment'.
* Services Sector: y-o-y growth of 10.2%. Credit to ‘non-banking financial companies' (NBFCs) decelerated while tourism, hotels and restaurants', 'computer software' and 'commercial real estate' witnessed robust growth.
* Personal Loans: Decelerated y-o-y growth of 11.7%, due to moderation in growth of 'other personal loans', ‘vehicle loans' and 'credit card outstanding'.
**Impact Analysis**
**Scheduled Commercial Banks (SCBs)**
* **Impact:** These banks are the primary source of the reported data.
* **Action Required:** To continue providing accurate and timely data on sectoral deployment of credit.
**Various Industries (Agriculture, Industry, Services, Personal Loans)**
* **Impact:** Businesses and individuals in these sectors are directly affected by the credit deployment trends.
* **Action Required:** Adapt their strategies based on the observed trends in credit availability.
**Regulatory Bodies (e.g., Reserve Bank of India)**
* **Impact:** The data informs policy decisions related to credit regulation and economic growth.
* **Action Required:** Analyze the trends and implement appropriate measures to ensure balanced sectoral growth and financial stability.
Key Entities Referenced
Scheduled Commercial Banks (SCBs): Banks from which data on sectoral deployment of credit are collected for this report.
Statements I and II: Documents where the detailed data on sectoral deployment of bank credit are presented.
Section-42 return: Regulatory return on which non-food credit data are based.
Sectoral Deployment of Bank Credit: Subject of the press release.
Reserve Bank of India: Publishes data on bank credit.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय �रज़वर् बैंक
RESERVE BANK OF INDIA
वेबसाइट : www.rbi.org.in/hindi संचार िवभाग, केंद्रीय कायार्लय, शहीद भगत िसंह मागर्, फोटर्, मुंबई - 400 001
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मेल/email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
October 31, 2025
Sectoral Deployment of Bank Credit – September 2025
Data on sectoral deployment of bank credit for the month1 of September 2025 collected
from 41 select scheduled commercial banks (SCBs), accounting for about 95 per cent of the
total non-food credit by all SCBs, are set out in Statements I and II.
On a year-on-year (y-o-y) basis, non-food bank credit2 grew3 by 10.2 per cent as on the
fortnight ended September 19, 2025, compared to 13.0 per cent during the corresponding
fortnight of the previous year (i.e., September 20, 2024).
Highlights of the sectoral deployment of bank credit3 as on the fortnight ended
September 19, 2025, are given below:
• Credit to agriculture and allied activities registered a y-o-y growth of 9.0 per cent (16.4
per cent in the corresponding fortnight of the previous year).
• Credit to industry recorded a y-o-y growth of 7.3 per cent, compared with 8.9 per cent
in the corresponding fortnight of last year. Credit to ‘Micro and Small’ and ‘Medium’
industries continued to grow in double-digits. Among major industries, outstanding
credit to ‘all engineering’, ‘infrastructure’, ‘textiles’, and ‘vehicles, vehicle parts and
transport equipment’ recorded buoyant y-o-y growth.
• Credit to services sector registered a growth rate of 10.2 per cent y-o-y (13.7 per cent
in the corresponding fortnight of the previous year). Growth in credit to ‘non-banking
financial companies’ (NBFCs) decelerated, though segments such as ‘tourism, hotels
and restaurants’, ‘computer software’ and ‘commercial real estate’ witnessed robust
growth.
• Credit to personal loans segment recorded a decelerated y-o-y growth of 11.7 per
cent, as compared with 13.4 per cent a year ago, largely due to moderation in growth
of ‘other personal loans’, ‘vehicle loans’ and ‘credit card outstanding’.
Ajit Prasad
Press Release: 2025-2026/1423 Deputy General Manager
(Communications)
1 Data pertain to the last reporting Friday of the month, based on sector-wise and industry-wise bank credit
(SIBC) return.
2 Non-food credit data are based on Section-42 return for the last reporting Friday of the month, which
covers all scheduled commercial banks (SCBs).
3 Data include the impact of the merger of a non-bank with a bank.