बैंक क्रेडिट में पर्सनल लोन का हिस्सा बढ़ा,और कम हुआ इंडस्ट्रियल लोन का शेयर

बैंक क्रेडिट में पर्सनल लोन का हिस्सा बढ़ा, और कम हुआ इंडस्ट्रियल लोन का शेयर: RBI रिपोर्ट

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RBI ने कहा कि कुल कर्ज में इंडस्ट्रियल लोन की हिस्सेदारी पिछले एक दशक में धीरे-धीरे घटा है, जबकि पर्सनल लोन का हिस्सा बढ़ा है.

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मार्च 2022 में इंडस्ट्रियल और पर्सनल की हिस्सेदारी करीब 27-27 %थी. इंडस्ट्रियल सेक्‍टर लोन 2021-22 में 4.7 % की बढ़ोतरी हुई, जबकि एक वर्ष पहले इसमें गिरावट देखी गई थी

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प्राइवेट बैंकों का तेजी से बढ़ा क्रेडिट ग्रोथ। RBI ने कहा कि हाल के वर्षों में रिटेल सेक्‍टर से लोन की मांग बढ़ी है. छोटे साइज के कर्ज का हिस्सा भी लगातार बढ़ता जा रहा है.

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एक करोड़ रुपये तक के कर्ज की हिस्सेदारी मार्च 2022 में बढ़कर करीब 48 % हो गई, जो पांच साल पहले करीब 39 %थी.

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10 करोड़ रुपये से ज्यादा के कर्ज का हिस्सा घटकर 40 %पर आ गया, जो 5 साल पहले 49 %था. शेड्यूल्‍ड कॉमर्शियल बैंकों के कुल कर्ज में सरकारी बैंकों की हिस्सेदारी मार्च 2022 में 54.8 % रही.

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Image Source: Google

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बैंक शाखाओं से कैसा है क्रेडिट ग्रोथ . मार्च 2022 में अर्बन, सेमी-अर्बन और रूरल क्षेत्रों में बैंक शाखाओं ने लोन में डबल डिजिट सालाना ग्रोथ बनाए रखा है.

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महानगरीय शाखाओं के लिए क्रेडिट ग्रोथ पिछले साल के 1.4 % के मुकाबले बढ़कर 9.2 % हो गई.

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