Banking Sector — Industry Totals & Bank Share
The whole system first, then every bank as a percentage of it. Two denominators throughout: the 41 listed lenders, and the true all-India system.
System totals come from Buoyant's India Banking Sector Model — an internal hand-compiled model covering all scheduled commercial banks including unlisted ones, FY16–FY25E. It is not a raw RBI feed, and FY25E is an estimate. Bank-level numbers come from Tijori (FY17–FY26). Because the two sources have different vintages and definitions, shares are shown against both denominators rather than one.
sheet
| Metric | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25E |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Bank Credit (Rs Lakh Cr) | 72.5 | 79.1 | 84.1 | 93.7 | 102.4 | 108.5 | 119.7 | 147.6 | 169.8 | 191.0 |
| Retail Credit (Rs Lakh Cr) | 14.2 | 17.1 | 20.8 | 25.6 | 28.4 | 30.2 | 36.5 | 47.2 | 57.8 | 66.5 |
| Corporate / Industry Credit (Rs Lakh Cr) | 28.6 | 29.8 | 29.5 | 30.2 | 31.8 | 31.2 | 30.8 | 34.1 | 38.2 | 43.0 |
| Services Credit (Rs Lakh Cr) | 18.5 | 20.8 | 22.5 | 25.6 | 28.8 | 32.0 | 36.8 | 43.5 | 50.2 | 56.8 |
| Agriculture Credit (Rs Lakh Cr) | 8.6 | 9.8 | 10.5 | 11.5 | 12.9 | 14.1 | 15.6 | 18.2 | 20.4 | 22.5 |
| Total Deposits (Rs Lakh Cr) | 88.1 | 97.3 | 104.5 | 118.0 | 134.0 | 150.4 | 164.0 | 187.5 | 215.6 | 244.0 |
| Real GDP Growth (%) | 8.00% | 8.20% | 6.50% | 6.50% | 4.00% | -5.80% | 9.40% | 7.20% | 8.20% | 6.50% |
| Credit-to-GDP Ratio (%) | 53.00% | 51.40% | 49.20% | 49.40% | 51.00% | 54.80% | 50.60% | 54.20% | 57.30% | 58.60% |
| PFCE Growth (%) | 7.10% | 8.30% | 7.20% | 7.50% | 5.70% | -5.90% | 11.20% | 6.80% | 4.00% | 7.00% |
| RBI Repo Rate (%, year-end) | 0.07 | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.07 | 0.07 | 0.06 |
| India CPI Inflation (%) | 4.90% | 4.70% | 3.60% | 3.40% | 4.70% | 6.20% | 5.30% | 6.70% | 5.40% | 4.60% |
Percentages are stored as decimals in the model and rendered here as %. “Rs Lakh Cr” values are ₹ lakh crore (1 lakh crore = ₹1 trillion).