STATE : KERALA

(Amount in ` Lakh)

OCCUPATION

RURAL

SEMI-URBAN

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

2,95,525

2090,24

1929,89

18,09,943

12754,45

10941,71

1. Direct Finance

2,89,971

1942,18

1799,17

17,13,569

10066,62

8934,27

2. Indirect Finance

5,554

148,06

130,72

96,374

2687,83

2007,44

II.

INDUSTRY

14,341

1207,15

744,80

91,158

5865,15

4465,08

1. Mining & Quarrying

91

21,15

15,88

341

121,64

95,47

2. Food Manufacturing & Processing

1,699

329,29

144,54

12,887

868,76

595,62

(a) Rice Mills, Flour & Dal Mills

193

14,35

11,94

1,141

164,27

136,41

(b) Sugar

1

4

2

5

25

22

(c) Edible Oils & Vanaspati

54

2,30

1,97

798

75,04

59,14

(d) Tea Processing

10

64,62

50,45

77

30,64

22,29

(e) Processing of Fruits & Vegetables

19

1,08

99

181

22,10

14,89

(f) Others

1,422

246,90

79,16

10,685

576,46

362,67

3. Beverage & Tobacco

23

1,12

96

185

107,71

83,47

4. Textiles

2,039

122,30

76,29

17,112

464,21

355,34

(a) Cotton Textiles

94

83,12

42,41

794

178,26

136,27

(b) Jute & Other Natural Fibre Textiles

48

65

55

351

15,69

6,60

(c) Handloom Textiles & Khadi

97

91

85

1,248

60,40

51,87

(d) Other Textiles & Textile Products

1,800

37,61

32,48

14,719

209,86

160,61

5. Paper, Paper Products & Printing

274

15,43

13,02

2,641

189,51

146,49

6. Woods and Wood Products

913

55,53

47,09

6,404

253,95

200,44

7. Leather & Leather Products

94

3,84

3,24

770

21,80

18,91

8. Gems and Jewellery

218

6,03

4,75

1,503

81,02

71,33

9. Rubber & Plastic Products

295

62,20

46,01

2,655

621,64

493,65

10. Chemicals & Chemical Products

366

36,80

26,51

2,789

454,85

358,99

(a) Heavy Industrial Chemicals

11

2,04

1,59

58

41,04

28,84

(b) Fertilisers

14

2,30

1,81

73

184,22

159,61

(c) Drugs & Pharmaceuticals

106

18,01

11,31

579

88,86

68,37

(d) Non-Edible Oils

3

17

9

41

9,91

8,55

(e) Other Chemicals & Chemical Products

232

14,29

11,71

2,038

130,82

93,61

11. Petroleum, Coal Products & Nuclear Fuels

9

1,16

97

48

9,19

7,16

12. Manufacture of Cement & Cement Products

335

19,57

15,79

2,312

84,37

64,62

13. Basic Metals & Metal Products

870

71,42

55,44

2,670

224,20

187,43

(a) Iron & Steel

26

11,58

8,73

140

91,47

77,75

(b) Non-Ferrous Metals

21

41,64

30,93

116

17,03

15,06

(c) Metal Products

823

18,21

15,78

2,414

115,69

94,62

14. Engineering

472

32,57

18,67

3,462

197,02

151,57

(a) Heavy Engineering

20

1,22

78

186

18,96

14,31

(b) Light Engineering

262

9,55

6,95

1,876

84,37

64,06

(c) Electrical Machinery & Goods

85

7,38

6,93

901

74,00

57,48

(d) Electronic Machinery & Goods

105

14,41

4,02

499

19,69

15,73

15. Vehicles, Vehicle Parts & Transport Equipments

181

11,09

6,88

642

45,75

38,41

16. Other Industries

4,052

89,68

58,62

24,738

488,55

385,73

17. Electricity, Gas & Water

27

7,12

5,49

104

206,02

139,53

(a) Electricity Generation & Transmission

7

3,70

3,40

46

197,79

134,12

(b) Non-Conventional Energy

8

31

25

21

3,70

2,05

(c) Gas, Steam & Water Supply

12

3,11

1,84

37

4,53

3,36

18. Construction

2,383

320,86

204,64

9,895

1424,96

1070,90

(a) Other than Infrastructure

1,699

231,50

137,95

5,194

876,01

672,01

(b) Infrastructure Construction

684

89,36

66,69

4,701

548,95

398,89

III.

TRANSPORT OPERATORS

9,177

475,22

227,89

30,115

892,59

618,65

IV.

PROFESSIONAL AND OTHER SERVICES

16,936

449,65

321,65

1,05,826

3029,57

2314,84

1. Professional Services

1,671

99,85

69,52

16,714

508,62

384,12

2. Tourism, Hotel & Restaurants

1,368

49,58

28,36

8,453

446,54

352,82

3. Recreation services

150

6,95

5,95

2,460

79,86

67,47

4. IT and Telecommunications

39

18,45

13,22

229

28,02

19,86

5. Others

13,708

274,83

204,61

77,970

1966,53

1490,57

V.

PERSONAL LOANS

2,37,259

5189,49

3769,69

15,76,938

27474,07

21698,16

1. Housing

51,468

2509,20

1996,60

3,47,844

14074,24

11343,59

2. Consumer Durables

3,018

72,75

48,38

21,155

330,84

229,35

3. Vehicles

25,244

828,34

479,75

1,21,742

2681,05

1944,21

4. Education

24,755

599,94

482,74

1,75,144

3812,94

2996,64

5. Personal Credit Cards

2,053

52,63

11,34

5,192

37,39

18,33

6. Others

1,30,721

1126,64

750,88

9,05,861

6537,61

5166,03

VI.

TRADE

45,539

1044,12

911,86

2,87,520

7473,90

5935,05

1. Wholesale Trade

1,814

436,21

403,47

8,493

2111,16

1673,34

2. Retail Trade

43,725

607,91

508,39

2,79,027

5362,75

4261,70

VII.

FINANCE

1,364

292,32

218,61

9,941

1402,35

649,79

VIII.

ALL OTHERS

14,417

245,11

183,58

1,66,405

1627,63

1452,17

TOTAL BANK CREDIT

6,34,558

10993,30

8307,97

40,77,846

60519,71

48075,44

TABLE NO. 5.7 – STATE AND POPULATION GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED
COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2010

STATE : KERALA

(Amount in ` Lakh)

OCCUPATION

URBAN

METROPOLITAN

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

2,77,731

5214,74

4132,69

-

-

-

1. Direct Finance

2,60,538

3224,34

2631,67

-

-

-

2. Indirect Finance

17,193

1990,40

1501,02

-

-

-

II.

INDUSTRY

50,398

13332,40

8454,58

-

-

-

1. Mining & Quarrying

154

102,24

71,79

-

-

-

2. Food Manufacturing & Processing

6,287

3693,79

1754,62

-

-

-

(a) Rice Mills, Flour & Dal Mills

236

66,51

45,33

-

-

-

(b) Sugar

5

28,30

28,22

-

-

-

(c) Edible Oils & Vanaspati

231

88,91

67,91

-

-

-

(d) Tea Processing

141

85,16

52,56

-

-

-

(e) Processing of Fruits & Vegetables

73

65,55

44,05

-

-

-

(f) Others

5,601

3359,37

1516,54

-

-

-

3. Beverage & Tobacco

81

45,64

37,44

-

-

-

4. Textiles

6,503

1221,30

826,08

-

-

-

(a) Cotton Textiles

656

416,33

242,36

-

-

-

(b) Jute & Other Natural Fibre Textiles

189

50,72

37,98

-

-

-

(c) Handloom Textiles & Khadi

107

13,38

12,64

-

-

-

(d) Other Textiles & Textile Products

5,551

740,86

533,09

-

-

-

5. Paper, Paper Products & Printing

2,039

517,92

321,22

-

-

-

6. Woods and Wood Products

1,909

123,15

99,28

-

-

-

7. Leather & Leather Products

300

19,83

17,61

-

-

-

8. Gems and Jewellery

560

248,90

234,26

-

-

-

9. Rubber & Plastic Products

1,984

1119,63

780,92

-

-

-

10. Chemicals & Chemical Products

6,533

702,58

564,86

-

-

-

(a) Heavy Industrial Chemicals

62

56,15

35,51

-

-

-

(b) Fertilisers

26

204,68

164,50

-

-

-

(c) Drugs & Pharmaceuticals

376

60,69

47,78

-

-

-

(d) Non-Edible Oils

13

2,07

1,71

-

-

-

(e) Other Chemicals & Chemical Products

6,056

379,00

315,36

-

-

-

11. Petroleum, Coal Products & Nuclear Fuels

23

104,67

44,28

-

-

-

12. Manufacture of Cement & Cement Products

3,541

110,86

96,65

-

-

-

13. Basic Metals & Metal Products

1,656

524,28

453,58

-

-

-

(a) Iron & Steel

167

387,37

344,57

-

-

-

(b) Non-Ferrous Metals

75

49,60

37,82

-

-

-

(c) Metal Products

1,414

87,31

71,20

-

-

-

14. Engineering

5,932

677,87

509,12

-

-

-

(a) Heavy Engineering

266

53,48

34,98

-

-

-

(b) Light Engineering

4,547

304,06

235,33

-

-

-

(c) Electrical Machinery & Goods

758

235,78

171,84

-

-

-

(d) Electronic Machinery & Goods

361

84,55

66,97

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

296

102,77

88,15

-

-

-

16. Other Industries

7,851

597,39

437,32

-

-

-

17. Electricity, Gas & Water

94

446,84

260,52

-

-

-

(a) Electricity Generation & Transmission

36

366,71

183,99

-

-

-

(b) Non-Conventional Energy

18

61,67

60,71

-

-

-

(c) Gas, Steam & Water Supply

40

18,47

15,82

-

-

-

18. Construction

4,655

2972,73

1856,89

-

-

-

(a) Other than Infrastructure

2,974

1165,20

730,32

-

-

-

(b) Infrastructure Construction

1,681

1807,53

1126,57

-

-

-

III.

TRANSPORT OPERATORS

12,629

695,07

493,20

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

39,987

4864,37

3376,02

-

-

-

1. Professional Services

6,830

583,69

447,60

-

-

-

2. Tourism, Hotel & Restaurants

3,249

1339,33

960,03

-

-

-

3. Recreation services

835

273,84

160,55

-

-

-

4. IT and Telecommunications

193

37,41

25,37

-

-

-

5. Others

28,880

2630,09

1782,47

-

-

-

V.

PERSONAL LOANS

7,46,325

17592,81

13801,32

-

-

-

1. Housing

1,64,888

10123,29

8157,76

-

-

-

2. Consumer Durables

11,066

116,43

85,44

-

-

-

3. Vehicles

1,99,822

2041,12

1390,62

-

-

-

4. Education

54,429

1521,15

1193,52

-

-

-

5. Personal Credit Cards

5,009

74,61

24,14

-

-

-

6. Others

3,11,111

3716,20

2949,84

-

-

-

VI.

TRADE

85,958

7649,88

5775,86

-

-

-

1. Wholesale Trade

7,614

2570,74

1841,68

-

-

-

2. Retail Trade

78,344

5079,14

3934,18

-

-

-

VII.

FINANCE

2,520

5621,62

4475,14

-

-

-

VIII.

ALL OTHERS

1,32,636

1619,76

1245,63

-

-

-

TOTAL BANK CREDIT

13,48,184

56590,64

41754,44

-

-

-