Credit growth in April month saw a slight surge to 5.7% YoY from 5.5% YoY growth in March month (6.7% in Apr'20), led by Personal loans and stable industry credit growth. Post 10 months YoY surge, agriculture credit growth seen decline to 11.3% YoY vs 12.3% YoY in Mar'21. Industry portfolio turned positive in March month and remains stable in Apr'21 at 0.4% YoY. This was led by Medium industry which registered 43.8% YoY growth vs 28.8% YoY growth in Mar'21 and continues to show improvement as risk-averse banks lend under credit guarantee scheme to MSME borrowers. Micro & small credit growth saw good uptick at 3.8% YoY vs 0.5% YoY in Mar'21. Large industry which saw improvement despite reported negative growth in Mar'21 deteriorates in Apr'21 at -1.9% YoY growth vs -0.8% YoY in Mar'21. Service portfolio lowers at 1.2% YoY vs 1.4% YoY in Mar'21. Retail growth seen continues upsurge and reported 12.6% YoY vs 10.2% YoY in Mar'21 led by vehicle loans (11.7% YoY vs 9.5% YoY in Mar'21) as well as loans against gold jewelry (85.9% YoY vs 82.3% YoY in Mar'21). Housing portfolio growth stood at 9.5% YoY vs 9.1% YoY in Mar'21, while Credit card growth seen strong uptick and stood at 17.1% YoY vs 7.8% YoY in Mar'21. Overall, the Credit demand continues to remains tepid led by lower growth in agriculture sector...