(Amount in ` Lakh)

OCCUPATION

LESS THAN 6%

6% AND ABOVE BUT
LESS THAN 10%

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

18,682

22107,81

19843,78

8,96,331

99864,19

77412,52

1. Direct Finance

17,854

4583,78

4093,09

8,49,820

52370,26

40044,75

2. Indirect Finance

828

17524,03

15750,69

46,511

47493,93

37367,77

II.

INDUSTRY

5,126

117627,83

89232,90

1,24,437

470020,52

319746,84

1. Mining & Quarrying

89

6124,74

5488,05

2,334

16113,82

11010,02

2. Food Manufacturing & Processing

391

6717,91

5313,12

10,788

24078,22

18429,13

  (a) Rice Mills, Flour & Dal Mills

45

368,25

288,54

3,207

6164,93

5188,51

  (b) Sugar

25

1160,85

1115,59

283

4513,49

3710,90

  (c) Edible Oils & Vanaspati

26

511,88

447,46

574

3084,90

2340,38

  (d) Tea Processing

15

294,99

223,86

222

1050,13

765,29

  (e) Processing of Fruits & Vegetables

11

19,90

8,68

336

639,22

525,35

  (f) Others

269

4362,04

3229,00

6,166

8625,55

5898,70

3. Beverage & Tobacco

33

955,34

685,88

702

4688,77

3260,05

4. Textiles

458

4055,53

1244,08

17,790

43817,52

24364,40

  (a) Cotton Textiles

170

2910,80

564,90

4,379

14769,95

10759,05

  (b) Jute & Other Natural Fibre Textiles

8

6,70

6,53

243

388,42

237,35

  (c) Handloom Textiles & Khadi

19

12,01

11,04

1,113

701,61

588,76

  (d) Other Textiles & Textile Products

261

1126,02

661,62

12,055

27957,54

12779,23

5. Paper, Paper Products & Printing

89

811,60

736,93

2,639

7067,14

5474,14

6. Woods and Woods Products

31

141,70

112,63

564

652,79

527,74

7. Leather & Leather Products

50

244,91

187,26

2,366

3047,93

2002,06

8. Gems and Jewellery

267

672,35

538,25

1,694

12711,52

7569,65

9. Rubber & Plastic Products

111

569,09

439,13

1,749

5105,21

3440,41

10. Chemicals & Chemical Products

429

16504,93

12431,35

3,609

37989,66

20059,28

  (a) Heavy Industrial Chemicals

83

586,04

399,15

596

3629,21

2548,20

  (b) Fertilisers

52

8510,90

8275,84

165

4056,08

2620,81

  (c) Drugs & Pharmaceuticals

157

4765,97

1513,94

1,129

23364,24

10504,23

  (d) Non-Edible Oils

1

4

4

98

378,49

287,84

  (e) Other Chemicals & Chemical Products

136

2641,96

2242,38

1,621

6561,64

4098,20

11. Petroleum, Coal Products & Nuclear Fuels

127

34711,96

28926,54

359

23677,46

16597,02

12. Manufacture of Cement & Cement Products

77

1520,42

1311,21

714

5715,38

3759,44

13. Basic Metals & Metal Products

660

18476,48

9600,06

5,188

49267,13

31782,73

  (a) Iron & Steel

364

8923,91

6743,26

2,145

26699,24

19078,46

  (b) Non-Ferrous Metals

134

2041,58

1424,25

868

14877,05

7731,60

  (c) Metal Products

162

7510,99

1432,54

2,175

7690,84

4972,67

14. Engineering

677

3756,41

2811,59

9,981

35214,34

17724,62

  (a) Heavy Engineering

135

1229,98

1098,61

1,604

4174,93

3199,01

  (b) Light Engineering

216

1072,96

617,12

5,889

17353,82

5948,74

  (c) Electrical Machinery & Goods

270

1307,06

955,88

1,979

10065,91

5436,89

  (d) Electronic Machinery & Goods

56

146,41

139,99

509

3619,67

3139,98

15. Vehicles, Vehicle Parts & Transport Equipments

319

5412,93

4463,65

2,610

18314,86

13984,32

16. Other Industries

302

1460,00

1169,92

10,199

12843,45

7497,77

17. Electricity, Gas & Water

134

10374,72

9745,43

1,282

87946,97

66102,65

  (a) Electricity Generation & Transmission

99

8701,90

8400,18

920

84831,97

63888,86

  (b) Non-Conventional Energy

14

22,39

21,78

112

1412,91

991,85

  (c) Gas, Steam & Water Supply

21

1650,44

1323,47

250

1702,09

1221,94

18. Construction

882

5116,80

4027,83

49,869

81768,36

66161,40

(a) Other than Infrastructure

646

1115,72

710,57

45,543

13875,29

10601,55

(b) Infrastructure Construction

236

4001,08

3317,26

4,326

67893,08

55559,85

III.

TRANSPORT OPERATORS

1,229

1679,31

1444,04

1,14,035

22548,48

13903,43

IV.

PROFESSIONAL AND OTHER SERVICES

1,814

5390,90

4598,86

68,684

66400,98

51651,36

1. Professional Services

406

803,52

769,82

12,662

13207,62

11183,18

2. Tourism, Hotel & Restaurants

136

434,98

397,95

3,330

2888,34

2286,45

3. Recreation services

27

69,56

65,15

648

1589,25

1350,01

4. IT and Telecommunications

65

608,09

507,18

891

15607,58

11297,17

5. Others

1,180

3474,76

2858,75

51,153

33108,19

25534,55

V.

PERSONAL LOANS

53,600

3141,28

2290,56

35,08,084

264158,92

210828,91

1. Housing

35,244

1786,58

1328,26

25,09,306

218425,55

178725,11

2. Consumer Durables

143

5,67

3,92

16,385

641,78

513,62

3. Vehicles

5,773

261,39

25,14

4,28,494

16020,28

10086,22

4. Education

388

28,65

25,97

87,364

4444,89

3353,89

5. Personal Credit Cards

5

29

29

732

31,65

27,33

6. Others

12,047

1058,69

906,98

4,65,803

24594,77

18122,75

VI.

TRADE

2,971

13036,08

10894,82

67,719

62437,17

44353,13

1. Wholesale Trade

341

7114,05

6102,41

10,268

37088,02

25830,12

2. Retail Trade

2,630

5922,03

4792,41

57,451

25349,15

18523,02

VII.

FINANCE

200

16285,18

15326,81

15,544

181095,60

155621,14

VIII.

ALL OTHERS

3,539

2397,26

2088,04

1,00,504

32827,00

26354,50

TOTAL LOANS AND ADVANCES

87,161

181665,65

145719,81

48,95,338

1199352,86

899871,83

See Notes on Tables.

 TABLE NO. 5.3 – INTEREST RATE RANGE–WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

10% AND ABOVE BUT LESS
THAN 12%

12% AND ABOVE BUT LESS
THAN 13%

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

10,78,162

83999,06

67918,73

6,56,968

44038,94

36208,29

1. Direct Finance

10,03,846

61189,17

50835,49

6,13,733

31489,44

26481,56

2. Indirect Finance

74,316

22809,89

17083,24

43,235

12549,50

9726,74

II.

INDUSTRY

3,22,001

724530,99

458699,36

2,24,133

309363,68

220447,84

1. Mining & Quarrying

9,118

19923,30

12059,69

6,707

9247,82

6382,85

2. Food Manufacturing & Processing

50,378

49498,93

33587,14

30,388

22546,69

16810,68

  (a) Rice Mills, Flour & Dal Mills

15,871

13712,85

10491,65

9,595

4382,09

3349,28

  (b) Sugar

794

10384,47

7684,56

676

6449,87

5254,35

  (c) Edible Oils & Vanaspati

2,761

7781,59

4498,39

2,238

2524,13

1815,10

  (d) Tea Processing

607

1312,96

728,85

534

973,69

548,21

  (e) Processing of Fruits & Vegetables

1,329

870,04

630,61

1,151

531,09

398,96

  (f) Others

29,016

15437,03

9553,10

16,194

7685,81

5444,77

3. Beverage & Tobacco

2,812

5805,05

4639,24

2,013

3942,93

3317,80

4. Textiles

45,993

80516,99

54544,53

34,229

33476,96

25147,89

  (a) Cotton Textiles

13,664

37983,67

28132,79

9,653

16059,55

12161,03

  (b) Jute & Other Natural Fibre Textiles

1,046

703,18

522,07

873

406,58

317,30

  (c) Handloom Textiles & Khadi

3,878

1599,05

1277,45

3,148

1000,39

761,54

  (d) Other Textiles & Textile Products

27,405

40231,09

24612,22

20,555

16010,44

11908,03

5. Paper, Paper Products & Printing

10,042

15834,97

10693,12

9,938

8070,27

6153,54

6. Woods and Woods Products

4,060

1522,19

1118,60

3,641

1146,23

827,00

7. Leather & Leather Products

3,349

2253,21

1424,91

2,265

1595,07

1152,08

8. Gems and Jewellery

2,333

5197,98

3662,59

1,495

4626,00

2350,96

9. Rubber & Plastic Products

9,774

12104,42

7667,36

9,382

7439,57

5519,66

10. Chemicals & Chemical Products

12,966

39421,82

22690,75

12,459

20332,30

14108,47

  (a) Heavy Industrial Chemicals

2,408

8669,10

5600,68

2,085

3641,18

2492,69

  (b) Fertilisers

359

3550,63

1096,72

307

1000,12

663,26

  (c) Drugs & Pharmaceuticals

2,882

11797,18

8233,35

2,551

8141,95

5683,74

  (d) Non-Edible Oils

466

512,37

312,63

555

383,57

254,01

  (e) Other Chemicals & Chemical Products

6,851

14892,54

7447,37

6,961

7165,49

5014,77

11. Petroleum, Coal Products & Nuclear Fuels

1,232

15870,03

7766,26

1,085

5755,30

3633,34

12. Manufacture of Cement & Cement Products

4,702

15874,43

11742,32

4,609

6550,94

4930,03

13. Basic Metals & Metal Products

21,320

104267,54

67967,50

18,967

48888,57

35385,26

  (a) Iron & Steel

8,809

79364,72

51843,47

7,641

32631,61

23640,93

  (b) Non-Ferrous Metals

2,518

6984,27

4557,20

2,641

4020,04

2788,61

  (c) Metal Products

9,993

17918,54

11566,83

8,685

12236,92

8955,72

14. Engineering

53,863

82880,09

33604,15

29,363

28508,91

21284,43

  (a) Heavy Engineering

5,880

7006,83

4661,09

5,757

4326,15

3347,34

  (b) Light Engineering

39,343

51764,87

11669,96

16,278

13111,91

9595,46

  (c) Electrical Machinery & Goods

6,725

15566,43

10267,01

5,535

7482,50

5534,73

  (d) Electronic Machinery & Goods

1,915

8541,96

7006,09

1,793

3588,35

2806,91

15. Vehicles, Vehicle Parts & Transport Equipments

6,972

27036,77

18912,40

5,551

12926,65

8059,72

16. Other Industries

35,697

21862,86

14729,25

26,758

13190,90

9433,98

17. Electricity, Gas & Water

2,634

83608,74

55339,78

1,912

21335,30

14239,78

  (a) Electricity Generation & Transmission

1,386

75902,28

49776,84

684

18638,57

12205,40

  (b) Non-Conventional Energy

384

3972,77

3065,13

475

1671,73

1315,32

  (c) Gas, Steam & Water Supply

864

3733,68

2497,82

753

1025,00

719,06

18. Construction

44,756

141051,66

96549,75

23,371

59783,26

41710,37

(a) Other than Infrastructure

34,142

23575,89

17450,85

16,306

18567,16

14309,95

(b) Infrastructure Construction

10,614

117475,77

79098,90

7,065

41216,10

27400,42

III.

TRANSPORT OPERATORS

1,39,330

35674,91

26292,63

92,175

23733,37

20245,34

IV.

PROFESSIONAL AND OTHER SERVICES

2,44,361

130929,81

98967,03

1,18,424

83687,31

64803,08

1. Professional Services

23,767

17594,58

14186,04

14,817

7778,87

6639,09

2. Tourism, Hotel & Restaurants

11,480

11344,54

8163,12

10,688

12550,17

8752,05

3. Recreation services

1,893

3762,59

3021,91

2,043

4550,56

3454,92

4. IT and Telecommunications

2,975

22327,03

15400,59

2,700

5711,23

4286,44

5. Others

2,04,246

75901,08

58195,36

88,176

53096,48

41670,58

V.

PERSONAL LOANS

25,72,598

162606,49

126836,41

10,36,586

56948,40

42723,44

1. Housing

9,47,434

92123,33

75990,80

2,59,639

23038,88

17789,04

2. Consumer Durables

13,655

526,62

414,65

9,376

325,86

250,91

3. Vehicles

5,49,253

20105,65

13973,67

1,62,293

6285,90

3938,99

4. Education

5,40,830

21960,31

16363,05

1,54,682

7543,99

5529,98

5. Personal Credit Cards

6,683

218,54

62,93

416

21,49

18,94

6. Others

5,14,743

27672,04

20031,32

4,50,180

19732,27

15195,59

VI.

TRADE

3,32,180

202933,36

88486,55

2,91,257

75198,12

56455,43

1. Wholesale Trade

30,114

144823,89

45894,61

37,929

31265,62

22737,97

2. Retail Trade

3,02,066

58109,47

42591,94

2,53,328

43932,51

33717,46

VII.

FINANCE

53,073

56456,50

37521,91

13,420

17456,64

12016,09

VIII.

ALL OTHERS

64,706

28139,59

20952,53

38,614

15197,94

11149,65

TOTAL LOANS AND ADVANCES

48,06,411

1425270,70

925675,14

24,71,577

625624,41

464049,17

TABLE NO. 5.3 – INTEREST RATE RANGE–WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

13% AND ABOVE BUT LESS
THAN 14%

14% AND ABOVE BUT LESS
THAN 15%

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

13

14

15

16

17

18

I.

AGRICULTURE

2,35,239

17001,61

14084,43

80,762

8325,98

6255,12

1. Direct Finance

2,15,078

12834,57

10793,16

70,049

5180,80

3831,78

2. Indirect Finance

20,161

4167,04

3291,26

10,713

3145,18

2423,33

II.

INDUSTRY

1,25,324

135485,92

100325,62

64,544

64474,71

42541,14

1. Mining & Quarrying

3,575

3279,32

2593,34

1,606

2910,96

1324,40

2. Food Manufacturing & Processing

14,391

9122,20

6846,90

5,944

4091,74

2634,29

  (a) Rice Mills, Flour & Dal Mills

3,974

1743,79

1353,91

1,426

1317,35

571,66

  (b) Sugar

201

1093,97

847,80

92

502,17

434,58

  (c) Edible Oils & Vanaspati

1,154

1891,71

1359,86

423

313,20

231,92

  (d) Tea Processing

246

351,41

235,76

122

210,11

135,14

  (e) Processing of Fruits & Vegetables

546

407,77

328,70

283

142,15

115,42

  (f) Others

8,270

3633,56

2720,88

3,598

1606,76

1145,56

3. Beverage & Tobacco

1,198

1771,85

1239,67

461

895,84

753,22

4. Textiles

17,609

13759,08

10073,62

8,294

5986,84

4338,27

  (a) Cotton Textiles

5,564

6698,25

4519,69

2,769

2995,59

2315,29

  (b) Jute & Other Natural Fibre Textiles

404

336,45

270,10

151

116,39

73,18

  (c) Handloom Textiles & Khadi

1,151

306,92

254,18

520

128,07

104,11

  (d) Other Textiles & Textile Products

10,490

6417,46

5029,64

4,854

2746,79

1845,70

5. Paper, Paper Products & Printing

5,296

3421,45

2605,61

2,305

1719,39

1257,18

6. Woods and Woods Products

1,885

809,79

587,22

848

377,20

303,74

7. Leather & Leather Products

1,416

819,24

612,85

832

462,22

383,27

8. Gems and Jewellery

808

2509,02

1260,73

453

682,57

490,16

9. Rubber & Plastic Products

4,655

2970,79

2167,34

1,932

1683,50

1012,61

10. Chemicals & Chemical Products

6,575

9102,31

6750,50

2,621

5367,31

3010,01

  (a) Heavy Industrial Chemicals

1,046

1608,55

1190,26

446

1329,33

718,48

  (b) Fertilisers

146

276,75

91,17

100

245,91

191,84

  (c) Drugs & Pharmaceuticals

1,482

3300,46

2573,38

559

1808,95

1189,14

  (d) Non-Edible Oils

294

452,53

356,34

88

31,23

24,98

  (e) Other Chemicals & Chemical Products

3,607

3464,02

2539,35

1,428

1951,89

885,58

11. Petroleum, Coal Products & Nuclear Fuels

591

1525,52

1251,29

327

2887,01

339,02

12. Manufacture of Cement & Cement Products

2,909

2906,72

2132,66

764

1189,48

876,15

13. Basic Metals & Metal Products

9,797

19994,50

15061,13

4,140

9044,89

6664,68

  (a) Iron & Steel

3,855

12772,68

9425,90

1,544

6478,63

4719,23

  (b) Non-Ferrous Metals

1,286

1498,55

1126,86

473

790,30

549,29

  (c) Metal Products

4,656

5723,27

4508,37

2,123

1775,96

1396,17

14. Engineering

13,870

13205,05

9929,63

6,403

7082,63

3536,70

  (a) Heavy Engineering

2,641

3094,03

2390,45

980

912,25

543,39

  (b) Light Engineering

7,353

4857,86

3669,80

3,746

2064,20

1497,14

  (c) Electrical Machinery & Goods

2,846

3598,08

2520,06

1,177

1385,06

970,25

  (d) Electronic Machinery & Goods

1,030

1655,08

1349,32

500

2721,12

525,93

15. Vehicles, Vehicle Parts & Transport Equipments

3,207

4589,97

3113,25

1,438

2264,44

1323,57

16. Other Industries

15,651

7003,67

5189,31

10,660

3689,94

2807,20

17. Electricity, Gas & Water

1,065

3241,33

2403,19

446

1413,72

1002,48

  (a) Electricity Generation & Transmission

337

2284,08

1655,58

138

1070,54

777,57

  (b) Non-Conventional Energy

245

563,03

421,99

98

271,47

164,74

  (c) Gas, Steam & Water Supply

483

394,22

325,62

210

71,70

60,17

18. Construction

20,826

35454,12

26507,39

15,070

12725,04

10484,16

(a) Other than Infrastructure

15,649

15044,51

10824,20

11,811

8386,03

6854,03

(b) Infrastructure Construction

5,177

20409,61

15683,19

3,259

4339,01

3630,13

III.

TRANSPORT OPERATORS

75,034

12200,61

9753,81

55,880

7662,63

6078,46

IV.

PROFESSIONAL AND OTHER SERVICES

73,779

50097,16

37735,09

39,961

35221,19

17473,17

1. Professional Services

8,095

3476,00

2674,31

9,173

2958,48

2140,72

2. Tourism, Hotel & Restaurants

7,227

6199,78

4341,02

3,333

2598,89

1896,42

3. Recreation services

1,115

2176,86

1574,35

630

906,49

681,67

4. IT and Telecommunications

1,510

3498,09

2816,24

783

838,61

521,30

5. Others

55,832

34746,43

26329,17

26,042

27918,73

12233,05

V.

PERSONAL LOANS

4,64,467

29730,61

20952,86

2,95,176

15982,76

10838,77

1. Housing

89,529

11665,11

9157,34

33,217

3598,95

2949,23

2. Consumer Durables

7,426

253,11

198,51

5,240

208,87

145,53

3. Vehicles

1,44,327

5764,79

3336,00

91,288

3551,17

1922,79

4. Education

37,316

2325,02

1745,80

8,487

438,30

329,46

5. Personal Credit Cards

178

10,21

8,46

673

39,23

12,03

6. Others

1,85,691

9712,37

6506,76

1,56,271

8146,24

5479,73

VI.

TRADE

1,77,849

43248,33

31709,38

85,376

21641,94

16206,01

1. Wholesale Trade

25,792

15252,14

12031,93

14,075

8147,29

5946,29

2. Retail Trade

1,52,057

27996,20

19677,46

71,301

13494,65

10259,72

VII.

FINANCE

7,651

11490,70

6776,05

4,557

5035,00

2149,95

VIII.

ALL OTHERS

25,612

9659,17

6579,77

17,201

10162,64

3166,31

TOTAL LOANS AND ADVANCES

11,84,955

308914,11

227917,02

6,43,457

168506,85

104708,92

 TABLE NO. 5.3 – INTEREST RATE RANGE–WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

15% AND ABOVE BUT LESS
THAN 16%

16% AND ABOVE BUT LESS
THAN 17%

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

19

20

21

22

23

24

I.

AGRICULTURE

24,656

1836,51

1375,79

19,766

1428,47

1075,18

1. Direct Finance

21,966

1248,25

939,69

18,222

898,19

618,12

2. Indirect Finance

2,690

588,26

436,10

1,544

530,28

457,06

II.

INDUSTRY

28,076

19901,38

15139,70

18,739

10156,92

7108,71

1. Mining & Quarrying

776

1148,41

961,50

290

317,97

101,69

2. Food Manufacturing & Processing

2,652

1185,16

869,50

1,697

547,08

270,89

  (a) Rice Mills, Flour & Dal Mills

466

128,08

105,95

239

62,36

47,55

  (b) Sugar

46

227,34

189,02

20

76,96

49,90

  (c) Edible Oils & Vanaspati

168

122,12

106,26

88

147,20

34,30

  (d) Tea Processing

51

94,89

90,09

17

15,42

15,01

  (e) Processing of Fruits & Vegetables

103

43,29

25,59

33

13,38

12,81

  (f) Others

1,818

569,42

352,59

1,300

231,76

111,32

3. Beverage & Tobacco

201

454,10

410,53

118

266,95

235,05

4. Textiles

3,426

2147,25

1446,30

2,843

999,79

664,66

  (a) Cotton Textiles

979

736,17

522,90

1,067

422,90

256,03

  (b) Jute & Other Natural Fibre Textiles

73

85,27

72,67

43

16,69

14,71

  (c) Handloom Textiles & Khadi

317

64,49

58,27

126

21,31

16,38

  (d) Other Textiles & Textile Products

2,057

1261,31

792,46

1,607

538,90

377,53

5. Paper, Paper Products & Printing

1,065

747,88

506,23

672

193,45

138,80

6. Woods and Woods Products

401

138,39

107,31

246

78,90

67,96

7. Leather & Leather Products

350

159,38

120,42

446

98,87

63,38

8. Gems and Jewellery

175

263,35

172,17

142

156,78

123,68

9. Rubber & Plastic Products

804

365,32

276,26

645

454,53

304,27

10. Chemicals & Chemical Products

1,036

1192,05

877,61

784

683,69

479,57

  (a) Heavy Industrial Chemicals

189

169,38

144,30

165

57,32

46,93

  (b) Fertilisers

33

92,41

15,05

26

10,77

7,92

  (c) Drugs & Pharmaceuticals

247

533,89

422,26

154

379,08

275,66

  (d) Non-Edible Oils

24

7,47

7,24

14

10,54

8,12

  (e) Other Chemicals & Chemical Products

543

388,90

288,77

425

225,99

140,93

11. Petroleum, Coal Products & Nuclear Fuels

113

188,47

85,63

67

222,09

202,48

12. Manufacture of Cement & Cement Products

309

239,73

209,52

140

219,54

112,71

13. Basic Metals & Metal Products

1,418

1774,47

1396,59

988

1468,82

891,23

  (a) Iron & Steel

544

994,69

796,97

386

829,53

686,31

  (b) Non-Ferrous Metals

134

224,08

209,12

99

53,70

39,03

  (c) Metal Products

740

555,71

390,50

503

585,59

165,89

14. Engineering

2,332

1583,93

1154,01

1,240

923,48

701,84

  (a) Heavy Engineering

384

260,55

192,57

215

140,72

118,38

  (b) Light Engineering

1,258

557,75

387,11

577

301,00

188,02

  (c) Electrical Machinery & Goods

514

437,23

284,07

259

238,38

205,07

  (d) Electronic Machinery & Goods

176

328,40

290,27

189

243,38

190,37

15. Vehicles, Vehicle Parts & Transport Equipments

511

497,04

299,65

445

222,19

146,66

16. Other Industries

4,363

1498,32

1186,06

2,347

532,06

344,48

17. Electricity, Gas & Water

216

344,11

311,82

101

455,12

438,14

  (a) Electricity Generation & Transmission

93

252,08

234,01

39

428,70

416,23

  (b) Non-Conventional Energy

23

16,00

12,45

17

14,83

13,65

  (c) Gas, Steam & Water Supply

100

76,03

65,37

45

11,59

8,25

18. Construction

7,928

5974,01

4748,59

5,528

2315,60

1821,23

(a) Other than Infrastructure

6,115

3884,55

3069,23

4,326

1697,75

1384,95

(b) Infrastructure Construction

1,813

2089,46

1679,37

1,202

617,85

436,27

III.

TRANSPORT OPERATORS

34,504

3420,66

2697,07

20,485

1278,65

912,40

IV.

PROFESSIONAL AND OTHER SERVICES

18,901

9969,94

6523,73

13,907

5072,57

3861,09

1. Professional Services

3,248

1051,13

800,37

2,196

610,33

407,37

2. Tourism, Hotel & Restaurants

1,566

845,17

611,25

895

335,67

221,16

3. Recreation services

277

482,59

325,06

263

211,88

151,29

4. IT and Telecommunications

442

736,72

304,02

303

249,98

177,97

5. Others

13,368

6854,34

4483,03

10,250

3664,71

2903,30

V.

PERSONAL LOANS

1,45,375

7650,27

5204,00

1,20,588

5622,69

3647,37

1. Housing

14,203

1869,12

1529,33

8,392

714,23

571,55

2. Consumer Durables

4,712

199,16

150,68

4,664

223,45

155,36

3. Vehicles

29,523

1095,98

588,71

18,388

652,58

371,56

4. Education

1,517

87,82

63,03

557

33,85

25,88

5. Personal Credit Cards

154

10,24

3,87

140

5,86

3,23

6. Others

95,266

4387,94

2868,39

88,447

3992,72

2519,79

VI.

TRADE

36,913

8579,57

6277,55

20,106

5125,19

3844,17

1. Wholesale Trade

6,914

3322,78

2386,99

4,433

2326,30

1857,23

2. Retail Trade

29,999

5256,78

3890,56

15,673

2798,89

1986,93

VII.

FINANCE

1,471

1420,45

1215,90

676

887,35

757,83

VIII.

ALL OTHERS

9,527

2275,97

1615,38

6,066

1019,02

752,69

TOTAL LOANS AND ADVANCES

2,99,423

55054,74

40049,12

2,20,333

30590,85

21959,43

 TABLE NO. 5.3 – INTEREST RATE RANGE–WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

17% AND ABOVE BUT LESS
THAN 18%

18% AND ABOVE BUT LESS
THAN 20%

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

25

26

27

28

29

30

I.

AGRICULTURE

13,950

598,55

445,47

37,359

1346,25

1010,36

1. Direct Finance

13,174

509,13

384,49

35,828

1226,35

924,83

2. Indirect Finance

776

89,42

60,98

1,531

119,90

85,52

II.

INDUSTRY

8,455

7584,65

3487,12

11,931

3121,17

2303,79

1. Mining & Quarrying

60

28,43

19,89

45

7,76

7,29

2. Food Manufacturing & Processing

955

155,37

97,70

1,418

200,42

138,96

  (a) Rice Mills, Flour & Dal Mills

24

3,75

2,65

55

6,05

5,03

  (b) Sugar

30

21,11

20,98

40

10,39

9,30

  (c) Edible Oils & Vanaspati

18

4,94

4,01

20

9,39

7,93

  (d) Tea Processing

18

2,67

2,47

18

91

87

  (e) Processing of Fruits & Vegetables

6

3,53

3,22

6

16,60

16,11

  (f) Others

859

119,36

64,37

1,279

157,07

99,71

3. Beverage & Tobacco

20

43,08

35,40

25

53,38

45,51

4. Textiles

1,218

439,86

232,80

2,427

323,83

234,05

  (a) Cotton Textiles

326

119,46

88,68

501

130,75

105,80

  (b) Jute & Other Natural Fibre Textiles

11

70,19

1,91

8

1,42

53

  (c) Handloom Textiles & Khadi

32

4,13

2,41

56

6,96

3,57

  (d) Other Textiles & Textile Products

849

246,08

139,80

1,862

184,71

124,15

5. Paper, Paper Products & Printing

222

87,33

67,58

409

109,57

87,14

6. Woods and Woods Products

52

13,19

11,66

61

18,49

7,91

7. Leather & Leather Products

60

15,42

9,75

118

62,22

25,97

8. Gems and Jewellery

77

51,33

15,23

83

19,30

15,76

9. Rubber & Plastic Products

245

58,38

39,50

416

48,75

38,13

10. Chemicals & Chemical Products

369

136,58

112,43

567

371,72

209,81

  (a) Heavy Industrial Chemicals

184

24,78

21,53

344

98,02

77,16

  (b) Fertilisers

20

6,90

5,31

18

10,02

2,71

  (c) Drugs & Pharmaceuticals

33

72,23

57,60

40

107,05

75,10

  (d) Non-Edible Oils

4

72

45

3

24

11

  (e) Other Chemicals & Chemical Products

128

31,95

27,54

162

156,39

54,73

11. Petroleum, Coal Products & Nuclear Fuels

51

7,70

7,96

57

21,92

16,60

12. Manufacture of Cement & Cement Products

47

359,13

336,40

23

2,03

1,84

13. Basic Metals & Metal Products

430

261,99

172,44

494

141,97

110,64

  (a) Iron & Steel

230

186,40

129,41

280

78,00

60,81

  (b) Non-Ferrous Metals

66

20,34

18,68

96

12,91

11,65

  (c) Metal Products

134

55,25

24,35

118

51,06

38,18

14. Engineering

703

229,20

102,65

1,036

623,84

426,64

  (a) Heavy Engineering

246

50,66

16,18

317

107,36

101,77

  (b) Light Engineering

287

57,25

51,14

491

70,76

40,04

  (c) Electrical Machinery & Goods

125

37,71

25,31

152

387,65

230,97

  (d) Electronic Machinery & Goods

45

83,58

10,02

76

58,07

53,88

15. Vehicles, Vehicle Parts & Transport Equipments

206

45,21

38,09

273

61,07

46,37

16. Other Industries

1,134

248,96

188,49

1,769

244,07

216,45

17. Electricity, Gas & Water

154

4056,84

788,63

29

19,21

17,89

  (a) Electricity Generation & Transmission

90

4045,59

778,38

8

14,88

13,62

  (b) Non-Conventional Energy

45

9,87

8,86

2

2,82

2,81

  (c) Gas, Steam & Water Supply

19

1,39

1,40

19

1,51

1,45

18. Construction

2,452

1346,66

1210,52

2,681

791,61

656,84

(a) Other than Infrastructure

1,950

1147,50

1055,84

2,101

252,97

217,50

(b) Infrastructure Construction

502

199,16

154,68

580

538,64

439,34

III.

TRANSPORT OPERATORS

11,468

703,84

539,09

10,967

593,44

383,66

IV.

PROFESSIONAL AND OTHER SERVICES

14,377

1682,11

1177,81

22,824

3685,16

1978,18

1. Professional Services

1,063

214,49

128,11

1,370

177,74

137,76

2. Tourism, Hotel & Restaurants

260

59,04

40,78

193

30,63

28,54

3. Recreation services

116

44,58

37,38

231

44,38

29,19

4. IT and Telecommunications

92

35,62

14,66

135

29,26

23,57

5. Others

12,846

1328,39

956,87

20,895

3403,15

1759,11

V.

PERSONAL LOANS

82,303

3814,41

2191,27

2,01,407

8741,47

4896,44

1. Housing

3,221

221,22

176,86

2,322

228,90

155,13

2. Consumer Durables

222

8,60

5,29

76

3,47

1,76

3. Vehicles

17,847

638,77

373,15

24,893

806,08

542,69

4. Education

205

8,47

6,82

655

21,43

17,69

5. Personal Credit Cards

473

38,36

9,55

12,120

375,58

13,39

6. Others

60,335

2899,00

1619,59

1,61,341

7306,00

4165,79

VI.

TRADE

10,904

2159,85

1318,09

21,133

3319,32

2410,47

1. Wholesale Trade

3,243

642,78

571,33

5,479

643,34

555,33

2. Retail Trade

7,661

1517,07

746,76

15,654

2675,98

1855,14

VII.

FINANCE

153

550,66

60,58

226

175,86

71,17

VIII.

ALL OTHERS

6,697

903,79

664,68

10,562

1246,25

1005,75

TOTAL LOANS AND ADVANCES

1,48,307

17997,86

9884,12

3,16,409

22228,91

14059,82

TABLE NO. 5.3 – INTEREST RATE RANGE–WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

20% AND ABOVE

TOTAL

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

31

32

33

34

35

36

I.

AGRICULTURE

17,136

619,17

471,73

30,79,011

281166,56

226101,40

1. Direct Finance

16,685

565,84

433,67

28,76,255

172095,78

139380,64

2. Indirect Finance

451

53,33

38,06

2,02,756

109070,77

86720,76

II.

INDUSTRY

3,597

4292,36

1291,74

9,36,363

1866560,11

1260324,78

1. Mining & Quarrying

30

11,28

10,01

24,630

59113,79

39958,75

2. Food Manufacturing & Processing

374

142,57

33,53

1,19,376

118286,28

85031,83

  (a) Rice Mills, Flour & Dal Mills

12

4,47

3,83

34,914

27893,96

21408,55

  (b) Sugar

3

1,07

1,04

2,210

24441,69

19318,02

  (c) Edible Oils & Vanaspati

2

8,50

-

7,472

16399,57

10845,61

  (d) Tea Processing

2

17

4

1,852

4307,37

2745,59

  (e) Processing of Fruits & Vegetables

3

3,05

2,29

3,807

2690,03

2067,73

  (f) Others

352

125,31

26,34

69,121

42553,66

28646,34

3. Beverage & Tobacco

22

61,57

4,55

7,605

18938,86

14626,90

4. Textiles

997

519,89

100,56

1,35,284

186043,55

122391,16

  (a) Cotton Textiles

181

448,08

57,45

39,253

83275,15

59483,61

  (b) Jute & Other Natural Fibre Textiles

3

20

7

2,863

2131,50

1516,42

  (c) Handloom Textiles & Khadi

22

1,96

1,57

10,382

3846,90

3079,30

  (d) Other Textiles & Textile Products

791

69,65

41,46

82,786

96789,99

58311,83

5. Paper, Paper Products & Printing

72

15,66

13,88

32,749

38078,71

27734,17

6. Woods and Woods Products

14

1,85

53

11,803

4900,73

3672,29

7. Leather & Leather Products

13

3,40

1,49

11,265

8761,88

5983,43

8. Gems and Jewellery

15

4,62

1,17

7,542

26894,82

16200,35

9. Rubber & Plastic Products

103

29,56

16,42

29,816

30829,12

20921,08

10. Chemicals & Chemical Products

132

425,16

43,13

41,547

131527,51

80772,91

  (a) Heavy Industrial Chemicals

78

6,81

5,64

7,624

19819,70

13245,02

  (b) Fertilisers

1

3

3

1,227

17760,51

12970,65

  (c) Drugs & Pharmaceuticals

19

34,21

15,15

9,253

54305,21

30543,55

  (d) Non-Edible Oils

-

-

-

1,547

1777,19

1251,76

  (e) Other Chemicals & Chemical Products

34

384,11

22,31

21,896

37864,90

22761,93

11. Petroleum, Coal Products & Nuclear Fuels

21

33,46

13,48

4,030