NORTHERN REGION

(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

807

450,68

361,78

306

154,68

149,62

1. Direct Finance

718

24,24

13,96

168

9,93

6,89

2. Indirect Finance

89

426,44

347,83

138

144,75

142,72

II.

INDUSTRY

681

347,26

292,48

524

1135,73

433,99

1. Mining & Quarrying

2

2,25

1,66

3

63

59

2. Food Manufacturing & Processing

179

20,54

8,80

66

83,27

68,03

(a) Rice Mills, Flour & Dal Mills

5

1,59

1,31

9

7,94

6,90

(b) Sugar

3

10

7

4

44,00

41,57

(c) Edible Oils & Vanaspati

2

1,34

1,33

1

5

5

(d) Tea Processing

1

13

-

-

-

-

(e) Processing of Fruits & Vegetables

-

-

-

-

-

-

(f) Others

168

17,38

6,09

52

31,29

19,52

3. Beverage & Tobacco

2

35,32

35,41

5

27,37

9,12

4. Textiles

43

6,36

5,24

125

576,54

83,51

(a) Cotton Textiles

4

4,40

4,40

115

546,52

67,02

(b) Jute & Other Natural Fibre Textiles

1

2

-

-

-

-

(c) Handloom Textiles & Khadi

1

5

-

4

1,38

83

(d) Other Textiles & Textile Products

37

1,88

84

6

28,64

15,66

5. Paper, Paper Products & Printing

20

50,73

52,35

14

40,30

35,50

6. Woods and Wood Products

5

10

8

26

30,73

17,59

7. Leather & Leather Products

6

32

14

-

-

-

8. Gems and Jewellery

1

2,60

2,45

3

7,29

6,78

9. Rubber & Plastic Products

22

2,38

1,69

11

3,03

1,39

10. Chemicals & Chemical Products

27

27,32

22,58

38

76,58

36,15

(a) Heavy Industrial Chemicals

-

-

-

1

2

-

(b) Fertilisers

-

-

-

1

3

3

(c) Drugs & Pharmaceuticals

12

25,33

22,06

23

68,18

31,02

(d) Non-Edible Oils

-

-

-

-

-

-

(e) Other Chemicals & Chemical Products

15

1,98

52

13

8,34

5,10

11. Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

12. Manufacture of Cement & Cement Products

5

45

22

1

24

3

13. Basic Metals & Metal Products

33

63,19

48,32

64

161,30

108,25

(a) Iron & Steel

12

6,28

6,35

20

79,13

38,48

(b) Non-Ferrous Metals

-

-

-

3

88

68

(c) Metal Products

21

56,91

41,96

41

81,30

69,09

14. Engineering

65

7,49

5,59

87

18,32

13,99

(a) Heavy Engineering

1

2,50

2,48

5

8,22

6,52

(b) Light Engineering

49

2,56

1,59

72

6,86

4,88

(c) Electrical Machinery & Goods

14

2,43

1,52

9

2,69

2,04

(d) Electronic Machinery & Goods

1

-

-

1

55

55

15. Vehicles, Vehicle Parts & Transport Equipments

6

78

72

25

15,88

10,07

16. Other Industries

88

5,97

4,55

36

9,43

7,62

17. Electricity, Gas & Water

1

17

16

-

-

-

(a) Electricity Generation & Transmission

1

17

16

-

-

-

(b) Non-Conventional Energy

-

-

-

-

-

-

(c) Gas, Steam & Water Supply

-

-

-

-

-

-

18. Construction

176

121,29

102,52

20

84,82

35,37

(a) Other than Infrastructure

166

121,16

102,40

17

8,10

7,36

(b) Infrastructure Construction

10

13

11

3

76,72

28,01

III.

TRANSPORT OPERATORS

1,202

102,05

59,21

35

9,37

6,56

IV.

PROFESSIONAL AND OTHER SERVICES

911

547,26

251,78

391

133,52

111,75

1. Professional Services

160

15,20

7,89

29

13,83

12,00

2. Tourism, Hotel & Restaurants

122

2,80

2,10

12

11,63

7,96

3. Recreation services

6

31

24

1

40

38

4. IT and Telecommunications

3

446,03

211,42

5

3,42

1,45

5. Others

620

82,91

30,13

344

104,24

89,96

V.

PERSONAL LOANS

13,243

569,68

367,38

2,240

154,10

121,70

1. Housing

1,022

67,01

58,63

1,158

109,51

90,19

2. Consumer Durables

272

1,71

1,50

100

1,32

1,06

3. Vehicles

5,228

211,18

122,45

485

18,25

13,99

4. Education

1,582

71,41

63,98

147

8,45

6,03

5. Personal Credit Cards

1,081

32,28

5,05

1

2

-

6. Others

4,058

186,09

115,77

349

16,55

10,43

VI.

TRADE

1,202

97,18

73,25

362

127,76

102,03

1. Wholesale Trade

68

31,06

25,57

45

29,75

25,04

2. Retail Trade

1,134

66,12

47,68

317

98,00

76,99

VII.

FINANCE

75

2,07

1,73

80

54,41

53,79

VIII.

ALL OTHERS

227

51,13

43,07

45

21,44

15,34

TOTAL BANK CREDIT

18,348

2167,31

1450,69

3,983

1791,02

994,77

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

NORTHERN REGION

CHANDIGARH

(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

5,338

8430,94

6887,96

-

-

-

1. Direct Finance

4,320

1022,10

767,42

-

-

-

2. Indirect Finance

1,018

7408,84

6120,54

-

-

-

II.

INDUSTRY

38,660

21860,66

15481,46

-

-

-

1. Mining & Quarrying

45

222,37

182,13

-

-

-

2. Food Manufacturing & Processing

1,169

1269,06

973,20

-

-

-

(a) Rice Mills, Flour & Dal Mills

44

67,69

50,56

-

-

-

(b) Sugar

32

594,41

440,10

-

-

-

(c) Edible Oils & Vanaspati

92

178,40

163,05

-

-

-

(d) Tea Processing

1

-

-

-

-

-

(e) Processing of Fruits & Vegetables

32

44,98

44,51

-

-

-

(f) Others

968

383,57

274,97

-

-

-

3. Beverage & Tobacco

41

344,35

153,07

-

-

-

4. Textiles

3,979

1551,12

1024,74

-

-

-

(a) Cotton Textiles

2,550

892,38

500,80

-

-

-

(b) Jute & Other Natural Fibre Textiles

798

31,02

27,69

-

-

-

(c) Handloom Textiles & Khadi

47

26,43

18,05

-

-

-

(d) Other Textiles & Textile Products

584

601,30

478,20

-

-

-

5. Paper, Paper Products & Printing

321

608,97

518,20

-

-

-

6. Woods and Wood Products

151

81,56

59,32

-

-

-

7. Leather & Leather Products

40

157,42

96,03

-

-

-

8. Gems and Jewellery

57

84,97

54,75

-

-

-

9. Rubber & Plastic Products

164

94,03

55,84

-

-

-

10. Chemicals & Chemical Products

808

3397,06

2553,19

-

-

-

(a) Heavy Industrial Chemicals

83

555,55

436,29

-

-

-

(b) Fertilisers

9

3,16

2,97

-

-

-

(c) Drugs & Pharmaceuticals

531

2528,70

1896,58

-

-

-

(d) Non-Edible Oils

-

-

-

-

-

-

(e) Other Chemicals & Chemical Products

185

309,65

217,35

-

-

-

11. Petroleum, Coal Products & Nuclear Fuels

11

9,06

7,20

-

-

-

12. Manufacture of Cement & Cement Products

125

45,87

32,41

-

-

-

13. Basic Metals & Metal Products

24,684

5714,42

3756,14

-

-

-

(a) Iron & Steel

296

4500,72

2874,30

-

-

-

(b) Non-Ferrous Metals

54

98,74

75,33

-

-

-

(c) Metal Products

24,334

1114,96

806,52

-

-

-

14. Engineering

3,232

1273,47

1012,83

-

-

-

(a) Heavy Engineering

106

195,07

148,69

-

-

-

(b) Light Engineering

1,625

571,70

466,89

-

-

-

(c) Electrical Machinery & Goods

1,446

367,01

302,13

-

-

-

(d) Electronic Machinery & Goods

55

139,69

95,12

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

1,128

440,03

281,11

-

-

-

16. Other Industries

1,453

318,88

274,08

-

-

-

17. Electricity, Gas & Water

45

4382,73

3401,40

-

-

-

(a) Electricity Generation & Transmission

37

4379,32

3399,45

-

-

-

(b) Non-Conventional Energy

4

2,19

1,17

-

-

-

(c) Gas, Steam & Water Supply

4

1,22

77

-

-

-

18. Construction

1,207

1865,30

1045,85

-

-

-

(a) Other than Infrastructure

744

315,62

171,18

-

-

-

(b) Infrastructure Construction

463

1549,67

874,67

-

-

-

III.

TRANSPORT OPERATORS

2,957

334,75

166,70

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

7,624

4131,78

3267,01

-

-

-

1. Professional Services

624

514,65

417,98

-

-

-

2. Tourism, Hotel & Restaurants

329

734,90

476,44

-

-

-

3. Recreation services

46

47,67

45,01

-

-

-

4. IT and Telecommunications

71

48,88

34,90

-

-

-

5. Others

6,554

2785,67

2292,67

-

-

-

V.

PERSONAL LOANS

1,54,643

4821,71

3477,44

-

-

-

1. Housing

26,260

2603,01

2079,93

-

-

-

2. Consumer Durables

2,020

14,17

10,22

-

-

-

3. Vehicles

54,460

814,59

487,15

-

-

-

4. Education

5,002

208,63

145,03

-

-

-

5. Personal Credit Cards

2,151

50,67

13,00

-

-

-

6. Others

64,750

1130,63

742,11

-

-

-

VI.

TRADE

10,508

58964,64

8611,50

-

-

-

1. Wholesale Trade

1,840

56193,11

6608,76

-

-

-

2. Retail Trade

8,668

2771,53

2002,74

-

-

-

VII.

FINANCE

318

1276,01

1005,66

-

-

-

VIII.

ALL OTHERS

47,140

888,07

746,02

-

-

-

TOTAL BANK CREDIT

2,67,188

100708,56

39643,75

-

-

-