Table No. 5.7 - State and Population Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation March 1998

NORTHERN REGION

STATE : JAMMU & KASHMIR

(Amount in Rupees Lakh)

RURAL

SEMI-URBAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

65,955

63,63

55,08

11,256

23,64

20,20

1.

Direct Finance

65,370

62,16

53,71

11,209

23,19

19,71

2.

Indirect Finance

585

1,47

1,37

47

45

49

II.

INDUSTRY

22,886

65,27

56,81

6,276

113,91

87,81

1.

Mining & Quarrying

13

52

23

6

26

27

2.

Food Manufacturing & Processing

594

18,77

14,69

225

16,79

16,97

(a) Rice Mills, Flour & Dal Mills

135

7,47

6,67

69

9,62

8,54

(b) Sugar

2

2

2

1

-

-

(c) Edible Oils & Vanaspati

173

8,10

5,54

75

4,14

4,72

(d) Tea Processing

-

-

-

1

1

1

(e) Processing of Fruits & Vegetables

-

-

-

5

8

10

(f) Others

284

3,17

2,47

74

2,94

3,60

3.

Beverage & Tobacco

-

-

-

13

4,27

4,13

4.

Textiles

188

1,43

1,28

221

39,99

26,25

(a) Cotton Textiles

18

7

3

12

36,62

23,11

(b) Jute Textiles

3

7

6

1

1

-

(c) Handloom Textiles & Khadi

11

7

4

7

9

7

(d) Other Textiles

156

1,23

1,16

201

3,26

3,06

5.

Paper, Paper Products & Printing

47

80

87

39

1,64

2,05

6.

Leather & Leather Products

14

59

61

18

22

21

7.

Rubber & Rubber Products

5

7

9

14

57

59

8.

Chemicals & Chemical Products

41

2,25

2,30

77

21,98

11,34

(a) Heavy Industrial Chemicals

-

-

-

-

-

-

(b) Fertilisers

-

-

-

-

-

-

(c) Drugs & Pharmaceuticals

7

96

1,04

19

54

53

(d) Non-Edible Oils

1

1

2

1

1

1

(e) Other Chemicals & Chemical Products

33

1,28

1,25

57

21,42

10,79

9.

Petroleum, Coal Products & Nuclear Fuels

4

3

2

4

3

-

10.

Manufacture of Cement & Cement Products

42

1,96

1,82

23

1,86

1,78

11.

Basic Metals & Metal Products

152

1,77

1,70

207

9,56

9,23

(a) Iron & Steel

14

31

34

41

4,72

4,03

(b) Non-Ferrous Metals

3

7

7

3

5

4

(c) Other Metal Products

135

1,39

1,30

163

4,80

5,16

12.

Engineering

146

11,68

11,32

88

1,61

1,59

(a) Heavy Engineering

2

3

3

10

6

7

(b) Light Engineering

63

9,41

8,58

18

19

24

(c) Electrical Machinery & Goods

57

1,73

1,57

33

1,08

1,04

(d) Electronic Machinery & Goods

24

51

1,14

27

28

24

13.

Vehicles, Vehicle Parts & Transport Equipments

19

27

21

26

31

19

14.

Other Industries

21,544

23,13

19,50

5,255

13,99

12,46

15.

Electricity, Gas & Water

-

-

-

3

3

3

(a) Electricity Generation & Transmission

-

-

-

2

2

3

(b) Non-Conventional Energy

-

-

-

-

-

-

(c) Gas, Steam & Water Supply

-

-

-

1

1

-

16.

Construction

77

2,02

2,17

57

79

73

III.

TRANSPORT OPERATORS

7,815

52,48

39,67

1,961

28,75

21,56

IV.

PROFESSIONAL AND OTHER SERVICES

3,983

10,17

9,01

1,287

4,50

4,75

V.

PERSONAL LOANS

23,461

60,71

55,91

8,163

36,39

31,87

1.

Loans for Purchase of Consumer Durables

1,284

2,26

1,78

716

1,91

1,58

2.

Loans for Housing

2,611

19,77

17,88

1,262

15,47

13,41

3.

Rest of the Personal Loans

19,566

38,68

36,25

6,185

19,01

16,88

VI.

TRADE

36,243

72,97

62,36

10,919

46,39

40,05

1.

Wholesale Trade

2,176

3,08

2,68

294

3,60

2,99

2.

Retail Trade

34,067

69,89

59,68

10,625

42,78

37,06

VII.

FINANCE

11

31

26

29

81

83

VIII.

ALL OTHERS

7,282

13,00

12,45

2,528

6,31

5,72

TOTAL BANK CREDIT

1,67,636

338,54

291,54

42,419

260,69

212,79

OF WHICH:

1. Artisans & Village Industries

18,188

10,62

9,39

3,139

2,43

2,29

2. Other Small Scale Industries

3,335

33,89

28,94

2,461

36,48

34,94

URBAN

METROPOLITAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

3,195

51,64

50,18

-

-

-

1.

Direct Finance

3,113

25,30

26,75

-

-

-

2.

Indirect Finance

82

26,34

23,43

-

-

-

II.

INDUSTRY

11,559

201,84

191,42

-

-

-

1.

Mining & Quarrying

28

2,85

4,21

-

-

-

2.

Food Manufacturing & Processing

413

28,27

20,97

-

-

-

(a) Rice Mills, Flour & Dal Mills

115

12,55

9,91

-

-

-

(b) Sugar

1

1

1

-

-

-

(c) Edible Oils & Vanaspati

60

3,47

2,99

-

-

-

(d) Tea Processing

2

4

7

-

-

-

(e) Processing of Fruits & Vegetables

25

40

34

-

-

-

(f) Others

210

11,80

7,66

-

-

-

3.

Beverage & Tobacco

53

8,01

6,22

-

-

-

4.

Textiles

1,453

29,95

29,58

-

-

-

(a) Cotton Textiles

35

3,22

2,84

-

-

-

(b) Jute Textiles

4

17

20

-

-

-

(c) Handloom Textiles & Khadi

100

93

93

-

-

-

(d) Other Textiles

1,314

25,63

25,62

-

-

-

5.

Paper, Paper Products & Printing

215

6,20

5,55

-

-

-

6.

Leather & Leather Products

267

3,99

3,76

-

-

-

7.

Rubber & Rubber Products

19

1,28

1,04

-

-

-

8.

Chemicals & Chemical Products

227

13,92

16,39

-

-

-

(a) Heavy Industrial Chemicals

11

83

1,06

-

-

-

(b) Fertilisers

1

4

19

-

-

-

(c) Drugs & Pharmaceuticals

75

3,27

3,50

-

-

-

(d) Non-Edible Oils

-

-

-

-

-

-

(e) Other Chemicals & Chemical Products

140

9,78

11,65

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

188

3,45

3,11

-

-

-

10.

Manufacture of Cement & Cement Products

42

5,87

4,56

-

-

-

11.

Basic Metals & Metal Products

323

24,22

30,55

-

-

-

(a) Iron & Steel

61

14,36

21,73

-

-

-

(b) Non-Ferrous Metals

7

22

22

-

-

-

(c) Other Metal Products

255

9,65

8,59

-

-

-

12.

Engineering

336

8,33

7,12

-

-

-

(a) Heavy Engineering

8

44

30

-

-

-

(b) Light Engineering

62

2,02

1,54

-

-

-

(c) Electrical Machinery & Goods

184

4,86

4,24

-

-

-

(d) Electronic Machinery & Goods

82

1,02

1,04

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

116

6,71

5,66

-

-

-

14.

Other Industries

7,717

49,44

43,19

-

-

-

15.

Electricity, Gas & Water

23

1,01

87

-

-

-

(a) Electricity Generation & Transmission

17

87

77

-

-

-

(b) Non-Conventional Energy

-

-

-

-

-

-

(c) Gas, Steam & Water Supply

6

14

10

-

-

-

16.

Construction

139

8,34

8,63

-

-

-

III.

TRANSPORT OPERATORS

3,240

68,20

54,62

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

7,278

995,91

985,85

-

-

-

V.

PERSONAL LOANS

24,894

114,02

100,03

-

-

-

1.

Loans for Purchase of Consumer Durables

3,571

8,15

6,48

-

-

-

2.

Loans for Housing

3,798

44,78

39,01

-

-

-

3.

Rest of the Personal Loans

17,525

61,09

54,55

-

-

-

VI.

TRADE

16,149

155,96

141,25

-

-

-

1.

Wholesale Trade

2,183

59,89

54,40

-

-

-

2.

Retail Trade

13,966

96,07

86,85

-

-

-

VII.

FINANCE

89

7,84

6,92

-

-

-

VIII.

ALL OTHERS

5,543

36,52

31,95

-

-

-

TOTAL BANK CREDIT

71,947

1631,95

1562,21

-

-

-

OF WHICH:

1. Artisans & Village Industries

3,723

10,33

10,48

-

-

-

2. Other Small Scale Industries

4,293

89,51

81,26

-

-

-