RBI Bank Credit (BSR-1)
Occupation-classified outstanding credit of scheduled commercial banks by district, from RBI Basic Statistical Returns (BSR-1). Covers a subset of total bank credit — head-office-level and unclassified credit is excluded. Amounts only — borrower account counts not included.
Published 2026 · 11 indicators · mapped to 808 districts · platform version 2026-08-02
New districts: inherited from parent district
Districts created after this source was published have no measurement of their own. For this source those values are inherited from parent district and flagged in the interface, so you can filter them out. See the methodology for why this method applies here and where it is weakest.
Indicators
Economy
Bank Credit Per Capita
Map itOccupation-classified outstanding bank credit per person (₹). Higher values indicate deeper financial intermediation. Uses Census 2011 population — urban high-growth districts (Gurugram, Noida, Bengaluru) show inflated values. From RBI BSR-1, March 2026.
Reflects where credit was sanctioned, not utilized — financial centres (Mumbai, Delhi, Chennai) show inflated values. Uses Census 2011 population. Covers occupation-classified credit only (subset of total bank credit).
Total Bank Credit
Map itTotal occupation-classified outstanding credit of scheduled commercial banks in the district (₹ Crores). From RBI BSR-1, March 2026.
Reflects where credit was sanctioned, not utilized. Covers occupation-classified credit only (subset of total bank credit). Amounts only — borrower account counts not included.
Agriculture Credit Share
Map itAgriculture sector's share of total outstanding credit (%). High values indicate agrarian lending dependence. From RBI BSR-1, March 2026.
Reflects where credit was sanctioned, not utilized. Covers occupation-classified credit only.
Industry Credit Share
Map itIndustry sector's share of total outstanding credit (%). Higher values indicate industrial lending concentration — a proxy for the district's manufacturing and mining base. From RBI BSR-1, March 2026.
Reflects where credit was sanctioned, not utilized. Covers occupation-classified credit only.
Personal Loans Share
Map itPersonal loans (housing, vehicles, education, credit cards) as share of total credit (%). High values indicate a consumer-driven credit market. From RBI BSR-1, March 2026.
Reflects where credit was sanctioned, not utilized. Covers occupation-classified credit only.
Trade Credit Share
Map itWholesale and retail trade credit as share of total credit (%). Indicates the strength of commercial trade finance in the district. From RBI BSR-1, March 2026.
Reflects where credit was sanctioned, not utilized. Covers occupation-classified credit only.
Credit Growth (1-Year)
Map itYear-over-year growth in total outstanding credit (Mar 2025 → Mar 2026, %). Indicates short-term economic momentum. From RBI BSR-1.
Reflects where credit was sanctioned, not utilized. Covers occupation-classified credit only. Districts renamed between Mar 2025 and Mar 2026 may show anomalous growth.
Credit Growth (5-Year)
Map it5-year cumulative growth in total outstanding credit (Mar 2021 → Mar 2026, %). Indicates structural growth trend. From RBI BSR-1.
Reflects where credit was sanctioned, not utilized. Covers occupation-classified credit only. Districts renamed between 2021 and 2026 may show anomalous growth.
Credit Trajectory (2015–26)
Map itHow each district's total bank credit evolved over 46 quarters (Dec 2014 → Mar 2026), classified from a log-linear trend: Rapid growth (>15%/yr), Steady growth (5–15%), Stagnant (-2–5%), Declining (<-2%), Turnaround (was declining, now growing), or Volatile (large swings around trend). From RBI BSR-1.
Nominal credit, not inflation-adjusted. Trends reflect where credit was sanctioned, not utilized. Districts renamed mid-series are stitched across both names.
Credit Growth (11-Year Trend)
Map itAnnualized growth rate of total outstanding credit, fitted across all 46 quarters (Dec 2014 → Mar 2026). Colors diverge around the national median (~14%/yr): red districts grow slower than typical, green faster. From RBI BSR-1.
Nominal growth — subtract ~5-6% inflation for real terms. The national median (~14%/yr) is the neutral gray midpoint, not zero.
Credit Acceleration
Map itWhether credit growth sped up or slowed down: compares the growth trend of the last ~5.5 years against the first ~5.5 years (Dec 2014 → Mar 2026). Accelerating = recent growth more than 2pp faster. From RBI BSR-1.
Based on nominal credit trends. A district can be accelerating from a low base or decelerating while still growing fast.
Using this data
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