We look at the statistics put forth by the RBI on sectorial deployment of Bank Credit. This gives us an idea of all the different industries that commercial banks have lent to. On analysing the proportions year-on-year, we can see a few trends in the lending patterns.
This data is curated monthly by the RBI, and is obtained from 47 scheduled banks. As such, these 47 banks account for about 95% of all the Non-Food Credit lent out by scheduled . . .