66
Table 4.7: Sectoral Distribution of Bank Credit and Loan Accounts of
Scheduled Commercial Banks (SCBs)
Number of Accounts (In Percentages)
Sector
Mar-11 Mar-10 Mar-09 Mar-08 Mar-07 Mar-06 Mar-05 Mar-04
I
Agriculture
38.6 36.0 36.3 35.7 35.2 34.0 34.6 32.1
(i) Direct Finance
36.7 34.6 35.7 35.1 34.4 33.3 33.7 31.2
(ii) Indirect Finance
1.9
1.5
0.7
0.6
0.8
0.8
0.8
0.9
II Industry
1.9
2.7
3.0
3.8
3.4
3.9
4.8
4.3
III Services
59.4 61.2 60.7 60.5 61.4 62.1 60.6 63.6
All Sector Accounts
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Sector
Mar-00 Mar-95 Mar-90 Jun-85 Jun-80 Jun-75 Dec-72
I
Agriculture
37.8 42.7 45.5 49.5 50.0 37.9 31.6
(i) Direct Finance
37.2 40.5 42.5 45.8 47.7 32.9 28.1
(ii) Indirect Finance
0.6
0.6
0.8
1.0
2.3
2.5
2.4
II Industry
9.8
8.5
7.7
6.4
6.5
5.6
5.8
III Services
52.4 48.8 46.8 44.1 43.6 56.5 62.6
All Sector Accounts
100.0 100.0 100.0 100.0 100.0 100.0 100.0
Amount Outstanding in Percentages
Sector
Mar-11 Mar-10 Mar-09 Mar-08 Mar-07 Mar-06 Mar-05 Mar-04
I
Agriculture
11.3 11.7 10.9 11.3 11.8 11.4 10.8 10.9
(i) Direct Finance
9.3
8.9
8.4
8.8
8.8
8.2
8.2
8.0
(ii) Indirect Finance
2.0
2.8
2.5
2.5
3.0
3.2
2.6
3.0
II Industry
39.6 40.5 39.8 38.4 38.1 37.4 38.8 38.0
III Services
49.1 47.8 49.3 50.2 50.1 51.2 50.4 51.0
Total Bank Credit
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Sector
Mar-00 Mar-95 Mar-90 Jun-85 Jun-80 Jun-75 Dec-72
I
Agriculture
9.9 11.8 15.9 17.6 14.8 10.8
9.0
(i) Direct Finance
8.4
9.5 12.9 13.8 11.3
5.0
4.3
II (ii) Indirect Finance
1.5
1.7
2.1
3.0
3.4
3.4
2.3
III Industry
46.5 45.6 48.7 41.3 48.3 58.5 61.2
Services
43.6 42.6 35.3 41.0 36.9 30.7 29.7
Total Bank Credit
100.0 100.0 100.0 100.0 100.0 100.0 100.0
Source:
Percentage Distribution of loan amounts and amount outstanding derived from data provided in
RBI's
Banking Statistics: Basic Statistical Returns of Scheduled Commercial Banks in India
,
March 2011 and earlier issues.
behaviour which we have addressed separately in this study, what stands
out in these charts are the expansions in the post-nationalisation periods of
the 1970s and 1980s and the contractions thereafter, both in the number of
accounts and the percentage share of agricultural credit. Charts also depict the
