Bank credit to agriculture sector increased significantly by 19.8 per cent in January, up from 6.3 per cent in the same month last year. Credit to industry however witnessed a slower growth at 15.2 per cent in January as against 20.2 per cent reported a year ago. This pulled down the overall non-food credit growth to 14.6 per cent for the month. RBI said in a release that deceleration in credit growth to industry was observed in all the major sub-sectors, barring chemicals andchemical products, petroleum, coal products and nuclear fuels, beverages and tobacco, leather and leather products, wood and wood products, rubber, plastic and their products, and cement and cement products. The central bank said non-food bank credit rose 14.6 per cent in January compared to 15.9 per cent a year ago.Meanwhile, personal loans increased 13.5 per cent from 13.2 per cent a year ago.