(Amount in ` Lakh)

OCCUPATION

CASH CREDIT

OVERDRAFT

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

1,31,337

26714,54

16730,31

32,592

4799,04

3022,60

1. Direct Finance

1,08,577

14371,65

10007,62

25,689

2540,52

1571,37

2. Indirect Finance

22,760

12342,89

6722,69

6,903

2258,52

1451,23

II.

INDUSTRY

3,13,844

472299,67

283810,78

81,445

71991,44

39748,17

1. Mining & Quarrying

9,758

10620,63

6527,48

2,469

3159,61

1687,59

2. Food Manufacturing & Processing

49,824

49411,96

34703,28

10,108

4267,46

2778,29

(a) Rice Mills, Flour & Dal Mills

18,617

15646,07

11919,24

1,323

667,38

473,00

(b) Sugar

836

9902,79

6952,19

86

225,53

89,42

(c) Edible Oils & Vanaspati

3,943

6592,34

4847,87

547

644,35

275,21

(d) Tea Processing

813

1854,49

955,47

120

227,35

190,28

(e) Processing of Fruits & Vegetables

1,510

919,95

720,64

262

111,45

85,99

(f) Others

24,105

14496,31

9307,88

7,770

2391,38

1664,38

3. Beverage & Tobacco

3,103

5128,74

3876,51

616

920,97

710,65

4. Textiles

45,371

49547,60

33814,29

8,111

4558,58

2751,74

(a) Cotton Textiles

13,950

24034,33

15437,26

2,402

1665,43

1218,22

(b) Jute & Other Natural Fibre Textiles

1,031

733,48

570,05

284

270,53

84,03

(c) Handloom Textiles & Khadi

4,545

1477,80

1242,89

656

132,15

108,81

(d) Other Textiles & Textile Products

25,845

23302,00

16564,09

4,769

2490,48

1340,69

5. Paper, Paper Products & Printing

13,590

10757,81

7812,79

2,352

1307,50

731,43

6. Woods and Wood Products

6,898

2677,69

1999,24

1,012

323,14

246,15

7. Leather & Leather Products

3,490

2254,29

1764,19

760

519,10

338,02

8. Gems and Jewellery

2,898

9894,92

7302,87

810

2341,71

1403,86

9. Rubber & Plastic Products

13,693

12384,18

8087,15

2,097

1381,17

887,19

10. Chemicals & Chemical Products

19,321

43548,04

21892,74

2,910

6609,36

2445,02

(a) Heavy Industrial Chemicals

3,581

5942,92

3664,29

529

688,69

184,49

(b) Fertilisers

590

5430,26

2390,10

129

363,65

143,66

(c) Drugs & Pharmaceuticals

3,722

16917,14

7611,22

559

1502,19

642,02

(d) Non-Edible Oils

817

750,95

533,26

88

78,09

35,86

(e) Other Chemicals & Chemical Products

10,611

14506,77

7693,87

1,605

3976,73

1438,99

11. Petroleum, Coal Products & Nuclear Fuels

1,772

23300,10

15897,61

495

5244,48

2151,76

12. Manufacture of Cement & Cement Products

6,254

5263,63

3264,48

1,604

1787,19

803,04

13. Basic Metals & Metal Products

30,104

67164,47

45512,52

4,700

5188,25

3238,65

(a) Iron & Steel

12,387

43652,32

29387,46

1,653

2844,16

1896,51

(b) Non-Ferrous Metals

4,309

7480,32

4469,73

525

667,02

335,77

(c) Metal Products

13,408

16031,83

11655,33

2,522

1677,07

1006,37

14. Engineering

53,316

92496,31

34314,08

11,289

8476,04

3386,89

(a) Heavy Engineering

6,331

7466,62

4983,54

1,623

686,95

405,41

(b) Light Engineering

34,791

64179,18

14816,99

7,234

2201,86

1016,63

(c) Electrical Machinery & Goods

9,210

15028,64

10081,19

1,911

2923,74

1622,21

(d) Electronic Machinery & Goods

2,984

5821,87

4432,36

521

2663,49

342,64

15. Vehicles, Vehicle Parts & Transport Equipments

6,951

16903,19

9662,74

1,442

2731,46

1448,15

16. Other Industries

32,675

18872,16

12612,49

18,183

8478,21

4053,79

17. Electricity, Gas & Water

1,716

14112,56

8038,26

579

3191,73

2477,48

(a) Electricity Generation & Transmission

622

12396,47

6885,31

228

2935,57

2365,01

(b) Non-Conventional Energy

247

1019,40

757,20

56

161,77

57,67

(c) Gas, Steam & Water Supply

847

696,68

395,75

295

94,39

54,81

18. Construction

13,110

37961,40

26728,06

11,908

11505,47

8208,45

(a) Other than Infrastructure

7,063

10763,99

7774,17

8,782

4890,82

3670,71

(b) Infrastructure Construction

6,047

27197,40

18953,90

3,126

6614,65

4537,74

III.

TRANSPORT OPERATORS

7,497

8083,17

5649,69

6,006

2931,22

2247,47

IV.

PROFESSIONAL AND OTHER SERVICES

94,953

40169,49

27383,11

78,876

43764,89

20682,52

1. Professional Services

689

750,69

344,30

572

205,82

156,51

2. Tourism, Hotel & Restaurants

6,935

2630,38

1752,18

4,681

1537,70

1036,44

3. Recreation services

1,730

1785,44

1213,29

1,176

1010,50

583,01

4. IT and Telecommunications

3,682

3597,70

2136,54

1,315

1491,26

786,73

5. Others

81,917

31405,27

21936,81

71,132

39519,61

18119,82

V.

PERSONAL LOANS

-

-

-

2,34,947

17070,82

10911,98

1. Housing

-

-

-

1

4,00

4,05

2. Consumer Durables

-

-

-

-

-

-

3. Vehicles

-

-

-

-

-

-

4. Education

-

-

-

-

-

-

5. Personal Credit Cards

-

-

-

-

-

-

6. Others

-

-

-

2,34,946

17066,82

10907,93

VI.

TRADE

5,09,765

260272,78

136162,14

1,84,179

58674,01

37515,24

1. Wholesale Trade

68,736

181588,49

75293,46

28,233

22738,41

14982,81

2. Retail Trade

4,41,029

78684,29

60868,68

1,55,946

35935,60

22532,43

VII.

FINANCE

34,183

31035,73

17662,30

8,293

22077,85

8290,45

VIII.

ALL OTHERS

15,625

10120,48

6787,57

41,603

14984,29

5565,69

TOTAL BANK CREDIT

11,07,204

848695,87

494185,90

6,67,941

236293,58

127984,12

TABLE NO. 5.1 – TYPE OF ACCOUNT–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

DEMAND LOANS

MEDIUM TERM LOANS

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

7,75,869

44708,33

39791,43

8,59,110

112608,73

91244,84

1. Direct Finance

7,47,062

33903,06

29429,01

7,92,031

56869,68

45475,34

2. Indirect Finance

28,807

10805,26

10362,42

67,079

55739,05

45769,50

II.

INDUSTRY

51,085

163375,74

135521,12

1,45,238

257288,54

206643,68

1. Mining & Quarrying

1,136

3920,77

3334,68

2,328

5967,31

4884,47

2. Food Manufacturing & Processing

6,090

11710,78

9889,15

14,548

11723,24

9333,25

(a) Rice Mills, Flour & Dal Mills

1,915

2585,54

2020,66

2,634

2020,99

1575,78

(b) Sugar

91

1455,50

1333,44

404

3687,10

3354,73

(c) Edible Oils & Vanaspati

284

1331,93

965,20

539

1524,81

1214,33

(d) Tea Processing

168

384,19

351,59

175

328,11

229,96

(e) Processing of Fruits & Vegetables

146

67,88

52,79

421

327,29

229,73

(f) Others

3,486

5885,73

5165,47

10,375

3834,93

2728,72

3. Beverage & Tobacco

637

3525,14

2528,81

715

3507,76

3099,45

4. Textiles

6,453

8584,91

6512,50

17,955

19436,45

16105,99

(a) Cotton Textiles

2,569

4275,63

2929,70

4,324

10897,83

9433,13

(b) Jute & Other Natural Fibre Textiles

93

69,13

67,04

250

265,63

241,47

(c) Handloom Textiles & Khadi

323

221,33

207,71

847

134,44

109,07

(d) Other Textiles & Textile Products

3,468

4018,82

3308,05

12,534

8138,55

6322,32

5. Paper, Paper Products & Printing

1,155

3630,25

3263,33

3,634

6208,68

5250,67

6. Woods and Wood Products

388

309,52

259,19

730

364,33

249,18

7. Leather & Leather Products

794

439,48

349,89

922

495,29

400,26

8. Gems and Jewellery

598

3174,97

1671,40

797

717,73

650,65

9. Rubber & Plastic Products

1,154

2058,42

1451,38

3,342

3440,43

2616,82

10. Chemicals & Chemical Products

2,038

14092,90

12380,32

4,516

16175,42

13484,23

(a) Heavy Industrial Chemicals

247

1118,14

952,17

1,079

2911,33

2156,64

(b) Fertilisers

111

4793,62

4530,37

94

3515,22

3280,46

(c) Drugs & Pharmaceuticals

726

4807,55

4142,82

987

5855,38

4902,40

(d) Non-Edible Oils

65

271,27

192,45

112

146,60

118,10

(e) Other Chemicals & Chemical Products

889

3102,32

2562,51

2,244

3746,89

3026,63

11. Petroleum, Coal Products & Nuclear Fuels

173

10860,19

9560,98

404

12770,96

10340,90

12. Manufacture of Cement & Cement Products

353

1718,83

1344,84

1,519

5886,14

4792,32

13. Basic Metals & Metal Products

3,253

19322,52

16389,86

5,819

30635,63

24047,70

(a) Iron & Steel

1,289

13199,39

11527,82

2,289

21260,62

16324,85

(b) Non-Ferrous Metals

413

1786,34

1676,94

735

4693,50

3859,74

(c) Metal Products

1,551

4336,79

3185,11

2,795

4681,52

3863,11

14. Engineering

7,583

17098,16

13868,03

8,556

14353,13

11441,60

(a) Heavy Engineering

1,210

3004,07

2363,40

1,871

3667,72

3162,75

(b) Light Engineering

3,594

4438,93

3705,53

4,406

4666,99

3591,23

(c) Electrical Machinery & Goods

2,290

5567,98

3898,07

1,580

3795,84

2783,68

(d) Electronic Machinery & Goods

489

4087,17

3901,04

699

2222,59

1903,94

15. Vehicles, Vehicle Parts & Transport Equipments

1,949

7602,55

5903,16

3,390

11879,09

10013,47

16. Other Industries

9,356

4542,65

3654,99

10,380

6635,33

5006,20

17. Electricity, Gas & Water

683

18584,85

15848,96

1,233

39140,38

32679,51

(a) Electricity Generation & Transmission

393

16277,03

14026,44

653

34792,39

29270,09

(b) Non-Conventional Energy

72

1117,70

958,02

222

1750,44

1394,21

(c) Gas, Steam & Water Supply

218

1190,12

864,50

358

2597,54

2015,21

18. Construction

7,292

32198,84

27309,65

64,450

67951,23

52247,02

(a) Other than Infrastructure

4,982

7822,75

6039,84

49,852

22145,52

15851,22

(b) Infrastructure Construction

2,310

24376,10

21269,81

14,598

45805,71

36395,80

III.

TRANSPORT OPERATORS

5,102

15143,14

14702,75

2,15,369

31519,02

23325,25

IV.

PROFESSIONAL AND OTHER SERVICES

35,354

42518,85

35496,76

89,261

74857,42

58340,23

1. Professional Services

5,019

9525,71

7417,26

12,216

9095,10

6842,50

2. Tourism, Hotel & Restaurants

1,484

1498,93

1285,28

6,803

7421,68

5290,96

3. Recreation services

353

1380,86

1208,55

1,390

3760,03

3282,91

4. IT and Telecommunications

511

7623,79

6786,79

1,313

14255,29

10382,92

5. Others

27,987

22489,57

18798,89

67,539

40325,32

32540,93

V.

PERSONAL LOANS

12,22,817

42390,94

19938,12

12,38,661

55389,81

32133,02

1. Housing

-

-

-

11

59,89

50,13

2. Consumer Durables

2

1,05

76

33,445

1323,50

999,78

3. Vehicles

18,217

682,31

529,90

4,49,564

17432,59

9129,46

4. Education

-

-

-

2

5,47

5,47

5. Personal Credit Cards

7,47,696

23415,46

3783,29

-

-

-

6. Others

4,56,902

18292,11

15624,17

7,55,639

36568,36

21948,19

VI.

TRADE

58,515

36406,43

29301,13

98,837

19616,41

15085,31

1. Wholesale Trade

6,883

13032,34

10950,93

14,092

7188,79

6090,94

2. Retail Trade

51,632

23374,09

18350,20

84,745

12427,62

8994,37

VII.

FINANCE

7,308

56073,70

49301,18

10,510

79842,48

72427,51

VIII.

ALL OTHERS

45,433

16815,71

13952,91

54,779

16512,94

12805,46

TOTAL BANK CREDIT

22,01,483

417432,84

338005,41

27,11,765

647635,34

512005,31

TABLE NO. 5.1 – TYPE OF ACCOUNT–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

LONG TERM LOANS

PACKING CREDIT

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

13

14

15

16

17

18

I.

AGRICULTURE

12,77,298

90020,04

74051,32

2,805

2315,89

1260,89

1. Direct Finance

12,00,297

62248,93

51733,88

2,599

2161,95

1163,42

2. Indirect Finance

77,001

27771,12

22317,44

206

153,94

97,47

II.

INDUSTRY

3,12,638

753396,77

534237,30

32,113

148207,96

60363,73

1. Mining & Quarrying

8,033

29462,46

19882,59

906

5983,00

3641,92

2. Food Manufacturing & Processing

35,492

29402,63

22209,93

3,314

11770,21

6117,93

(a) Rice Mills, Flour & Dal Mills

9,969

3709,52

2729,25

456

3264,46

2690,62

(b) Sugar

766

8981,53

7463,05

27

189,24

125,19

(c) Edible Oils & Vanaspati

1,976

4115,25

2889,86

183

2190,88

653,14

(d) Tea Processing

516

1133,29

806,89

60

379,94

211,41

(e) Processing of Fruits & Vegetables

1,330

812,61

629,66

138

450,83

348,92

(f) Others

20,935

10650,44

7691,23

2,450

5294,87

2088,65

3. Beverage & Tobacco

2,461

5139,00

4041,14

73

717,25

370,35

4. Textiles

42,539

67207,51

50395,05

14,855

36708,50

12811,59

(a) Cotton Textiles

12,292

34291,51

26255,02

3,716

8110,42

4210,29

(b) Jute & Other Natural Fibre Textiles

937

603,29

462,51

268

189,44

91,31

(c) Handloom Textiles & Khadi

3,670

1522,08

1139,08

341

359,10

271,75

(d) Other Textiles & Textile Products

25,640

30790,62

22538,44

10,530

28049,53

8238,24

5. Paper, Paper Products & Printing

11,777

13268,28

10088,88

241

2906,19

587,07

6. Woods and Wood Products

2,600

1126,34

847,40

175

99,70

71,13

7. Leather & Leather Products

1,952

1350,96

956,47

3,347

3702,76

2174,60

8. Gems and Jewellery

1,299

1096,15

839,52

1,140

9669,34

4332,06

9. Rubber & Plastic Products

9,004

9847,80

6893,25

526

1717,12

985,30

10. Chemicals & Chemical Products

10,987

27834,56

19845,65

1,775

23267,23

10724,96

(a) Heavy Industrial Chemicals

1,789

5781,29

4391,34

399

3377,33

1896,09

(b) Fertilisers

285

3364,18

2524,71

18

293,58

101,35

(c) Drugs & Pharmaceuticals

2,594

8383,19

6255,56

665

16839,74

6989,53

(d) Non-Edible Oils

443

314,13

218,51

22

216,15

153,58

(e) Other Chemicals & Chemical Products

5,876

9991,76

6455,52

671

2540,43

1584,41

11. Petroleum, Coal Products & Nuclear Fuels

1,117

23482,62

18004,32

69

9242,58

2884,05

12. Manufacture of Cement & Cement Products

4,481

19495,76

14913,41

88

429,04

296,24

13. Basic Metals & Metal Products

17,819

109931,21

73817,22

1,774

22026,32

6082,92

(a) Iron & Steel

7,452

83006,85

55666,14

753

5599,40

2372,66

(b) Non-Ferrous Metals

2,013

8677,92

6079,05

325

7223,01

2035,71

(c) Metal Products

8,354

18246,43

12072,03

696

9203,91

1674,56

14. Engineering

37,358

33759,74

24822,27

1,797

8423,72

3648,53

(a) Heavy Engineering

6,759

5293,56

4167,62

452

1237,61

638,47

(b) Light Engineering

24,769

13684,80

9439,39

833

2086,38

1132,65

(c) Electrical Machinery & Goods

4,320

9411,65

6961,96

409

4274,46

1194,62

(d) Electronic Machinery & Goods

1,510

5369,73

4253,30

103

825,27

682,80

15. Vehicles, Vehicle Parts & Transport Equipments

7,210

28739,84

21270,42

704

3578,44

2116,69

16. Other Industries

37,381

19763,88

15589,79

1,183

4338,04

1875,89

17. Electricity, Gas & Water

3,728

137261,99

90791,80

46

865,68

615,15

(a) Electricity Generation & Transmission

1,886

129571,41

85164,59

20

547,63

492,41

(b) Non-Conventional Energy

807

3764,42

2760,37

12

144,25

91,29

(c) Gas, Steam & Water Supply

1,035

3926,16

2866,84

14

173,80

31,45

18. Construction

77,400

195226,06

139028,20

100

2762,83

1027,35

(a) Other than Infrastructure

68,533

41079,89

32959,26

25

1336,68

423,60

(b) Infrastructure Construction

8,867

154146,18

106068,94

75

1426,16

603,76

III.

TRANSPORT OPERATORS

3,28,201

52110,83

36399,66

201

271,02

198,32

IV.

PROFESSIONAL AND OTHER SERVICES

3,22,547

182336,85

141367,80

1,209

9151,28

5781,03

1. Professional Services

58,554

28261,75

24285,07

21

69,89

46,69

2. Tourism, Hotel & Restaurants

19,224

24132,19

17308,85

25

98,17

96,31

3. Recreation services

2,600

5614,43

4206,22

36

295,65

204,36

4. IT and Telecommunications

3,067

21877,57

14874,91

37

801,98

384,79

5. Others

2,39,102

102450,91

80692,75

1,090

7885,59

5048,89

V.

PERSONAL LOANS

66,05,992

470086,82

373274,13

-

-

-

1. Housing

39,03,032

353714,51

288384,87

-

-

-

2. Consumer Durables

28,518

1074,82

840,04

-

-

-

3. Vehicles

10,05,290

37097,66

25518,10

-

-

-

4. Education

8,32,083

36893,71

27460,04

-

-

-

5. Personal Credit Cards

-

-

-

-

-

-

6. Others

8,37,069

41306,12

31071,09

-

-

-

VI.

TRADE

1,95,653

48876,16

36910,65

6,153

16543,03

8075,81

1. Wholesale Trade

17,949

13059,51

9979,25

3,381

13174,67

6699,48

2. Retail Trade

1,77,704

35816,65

26931,41

2,772

3368,36

1376,33

VII.

FINANCE

36,613

100789,75

82849,95

64

1034,43

986,03

VIII.

ALL OTHERS

1,27,863

44010,06

34732,56

787

2461,19

1340,17

TOTAL BANK CREDIT

92,06,805

1741627,27

1313823,37

43,332

179984,80

78005,99

TABLE NO. 5.1 – TYPE OF ACCOUNT–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

EXPORT BILLS PURCHASED

EXPORT BILLS DISCOUNTED

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

19

20

21

22

23

24

I.

AGRICULTURE

16

34,14

4,64

3

1,42

1,77

1. Direct Finance

3

15,53

68

-

-

-

2. Indirect Finance

13

18,61

3,96

3

1,42

1,77

II.

INDUSTRY

8,040

32233,83

15406,34

11,859

60610,08

14944,16

1. Mining & Quarrying

182

1622,49

898,24

334

1899,74

1122,60

2. Food Manufacturing & Processing

636

4631,08

1371,68

933

2645,17

970,52

(a) Rice Mills, Flour & Dal Mills

97

465,09

265,02

143

464,65

244,13

(b) Sugar

3

58

55

-

-

-

(c) Edible Oils & Vanaspati

48

2692,67

304,18

25

305,24

109,60

(d) Tea Processing

25

39,84

31,17

18

114,17

64,31

(e) Processing of Fruits & Vegetables

40

65,03

30,12

42

48,75

38,79

(f) Others

423

1367,87

740,64

705

1712,36

513,69

3. Beverage & Tobacco

11

30,28

11,92

21

290,11

5,62

4. Textiles

3,291

7236,31

3578,85

5,113

9897,34

2370,18

(a) Cotton Textiles

623

2644,57

1276,02

890

3868,37

711,50

(b) Jute & Other Natural Fibre Textiles

36

59,19

39,90

25

375,09

8,30

(c) Handloom Textiles & Khadi

90

100,20

58,47

169

106,96

67,23

(d) Other Textiles & Textile Products

2,542

4432,35

2204,46

4,029

5546,92

1583,16

5. Paper, Paper Products & Printing

69

133,75

57,69

180

628,06

48,88

6. Woods and Wood Products

64

54,98

44,00

15

13,91

4,20

7. Leather & Leather Products

606

862,39

413,96

632

518,02

300,45

8. Gems and Jewellery

280

3450,74

2107,83

581

13150,52

3668,84

9. Rubber & Plastic Products

206

605,86

192,30

237

530,51

192,62

10. Chemicals & Chemical Products

848

4194,11

1529,56

1,287

7757,99

1615,41

(a) Heavy Industrial Chemicals

182

470,72

223,50

460

3604,43

602,43

(b) Fertilisers

10

93,47

71,43

3

18,93

16,73

(c) Drugs & Pharmaceuticals

343

2686,07

745,14

288

1460,55

524,17

(d) Non-Edible Oils

27

161,17

126,81

5

8,83

3,36

(e) Other Chemicals & Chemical Products

286

782,66

362,68

531

2665,25

468,73

11. Petroleum, Coal Products & Nuclear Fuels

23

2567,71

2094,04

41

6418,66

843,22

12. Manufacture of Cement & Cement Products

22

485,85

52,95

8

40,44

36,93

13. Basic Metals & Metal Products

672

3825,59

1578,35

1,049

7091,93

2282,56

(a) Iron & Steel

308

2425,12

1021,50

277

4535,53

1402,19

(b) Non-Ferrous Metals

140

663,12

296,79

119

722,15

396,43

(c) Metal Products

224

737,36

260,07

653

1834,25

483,94

14. Engineering

515

1122,51

642,08

500

1666,19

798,23

(a) Heavy Engineering

81

172,57

83,67

83

200,49

169,58

(b) Light Engineering

276

553,43

316,43

200

604,48

252,66

(c) Electrical Machinery & Goods

128

326,17

197,29

169

841,89

366,61

(d) Electronic Machinery & Goods

30

70,34

44,69

48

19,33

9,37

15. Vehicles, Vehicle Parts & Transport Equipments

212

517,31

349,33

441

419,98

189,28

16. Other Industries

364

797,19

430,26

396

7317,80

330,93

17. Electricity, Gas & Water

21

23,55

21,57

8

15,78

14,19

(a) Electricity Generation & Transmission

3

14,50

14,15

4

6,00

4,51

(b) Non-Conventional Energy

1

69

62

4

9,78

9,68

(c) Gas, Steam & Water Supply

17

8,36

6,79

-

-

-

18. Construction

18

72,13

31,73

83

307,93

149,50

(a) Other than Infrastructure

8

54,80

20,77

9

224,17

67,47

(b) Infrastructure Construction

10

17,33

10,96

74

83,76

82,03

III.

TRANSPORT OPERATORS

21

91,55

17,51

7

26,15

22,22

IV.

PROFESSIONAL AND OTHER SERVICES

338

1969,90

908,10

202

2109,67

802,68

1. Professional Services

1

2,50

42

-

-

-

2. Tourism, Hotel & Restaurants

28

144,62

59,28

5

11,45

9,04

3. Recreation services

-

-

-

1

5,00

4,68

4. IT and Telecommunications

13

57,20

23,44

36

1591,31

493,49

5. Others

296

1765,57

824,96

160

501,90

295,48

V.

PERSONAL LOANS

-

-

-

-

-

-

1. Housing

-

-

-

-

-

-

2. Consumer Durables

-

-

-

-

-

-

3. Vehicles

-

-

-

-

-

-

4. Education

-

-

-

-

-

-

5. Personal Credit Cards

-

-

-

-

-

-

6. Others

-

-

-

-

-

-

VI.

TRADE

2,541

7339,07

4322,42

2,884

14352,75

3117,82

1. Wholesale Trade

1,488

5902,63

3631,90

1,506

13652,62

2730,23

2. Retail Trade

1,053

1436,44

690,52

1,378

700,13

387,59

VII.

FINANCE

40

1251,23

1240,92

416

3292,79

2938,00

VIII.

ALL OTHERS

398

297,51

198,11

606

5880,30

144,17

TOTAL BANK CREDIT

11,394

43217,23

22098,05

15,977

86273,16

21970,82

TABLE NO. 5.1 – TYPE OF ACCOUNT–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

EXPORT BILLS ADVANCED AGAINST

ADVANCES AGAINST EXPORT CASH INCENTIVES AND DUTY DRAW BACK CLAIMS

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

25

26

27

28

29

30

I.

AGRICULTURE

14

16,41

12,23

14

7,17

6,57

1. Direct Finance

-

-

-

-

-

-

2. Indirect Finance

14

16,41

12,23

14

7,17

6,57

II.

INDUSTRY

1,892

6140,67

3658,38

395

10038,48

1359,73

1. Mining & Quarrying

19

181,54

49,89

65

5,30

4,76

2. Food Manufacturing & Processing

56

357,94

116,55

24

366,69

107,58

(a) Rice Mills, Flour & Dal Mills

4

49,59

39,97

-

-

-

(b) Sugar

1

1,20

24

-

-

-

(c) Edible Oils & Vanaspati

1

50,00

4,11

5

78,92

7,73

(d) Tea Processing

1

10,00

-

4

4,28

3,74

(e) Processing of Fruits & Vegetables

1

2,50

2,49

-

-

-

(f) Others

48

244,64

69,74

15

283,48

96,11

3. Beverage & Tobacco

2

13,74

9,07

-

-

-

4. Textiles

436

1296,53

807,35

100

253,14

219,85

(a) Cotton Textiles

219

244,63

145,18

16

104,53

94,67

(b) Jute & Other Natural Fibre Textiles

1

1,00

47

1

65

42

(c) Handloom Textiles & Khadi

4

106,80

46,43

-

-

-

(d) Other Textiles & Textile Products

212

944,09

615,27

83

147,96

124,76

5. Paper, Paper Products & Printing

13

57,09

20,28

5

43,02

42,38

6. Woods and Wood Products

2

2,65

94

1

1,00

1,00

7. Leather & Leather Products

30

38,00

14,32

15

12,61

7,26

8. Gems and Jewellery

526

2176,65

1590,89

74

4003,10

381,57

9. Rubber & Plastic Products

17

28,66

24,52

6

7,50

4,45

10. Chemicals & Chemical Products

283

243,86

164,77

26

156,46

146,59

(a) Heavy Industrial Chemicals

24

76,97

38,36

6

12,83

8,09

(b) Fertilisers

1

65

76

-

-

-

(c) Drugs & Pharmaceuticals

91

80,04

57,18

10

110,35

108,08

(d) Non-Edible Oils

2

78

1,01

-

-

-

(e) Other Chemicals & Chemical Products

165

85,41

67,47

10

33,28

30,43

11. Petroleum, Coal Products & Nuclear Fuels

34

234,58

76,97

2

3,24

54

12. Manufacture of Cement & Cement Products

6

4,12

2,99

-

-

-

13. Basic Metals & Metal Products

248

741,93

384,61

24

3021,88

262,20

(a) Iron & Steel

33

88,67

58,20

16

1984,75

254,60

(b) Non-Ferrous Metals

98

115,54

106,36

-

-

-

(c) Metal Products

117

537,72

220,05

8

1037,13

7,61

14. Engineering

136

402,97

212,22

19

477,98

40,24

(a) Heavy Engineering

79

211,42

125,99

4

5,25

3,83

(b) Light Engineering

29

48,67

16,73

7

4,53

4,55

(c) Electrical Machinery & Goods

28

142,89

69,50

5

467,69

31,35

(d) Electronic Machinery & Goods

-

-

-

3

51

51

15. Vehicles, Vehicle Parts & Transport Equipments

22

18,62

15,07

7

18,17

4,77

16. Other Industries

51

119,38

52,67

17

92,42

36,28

17. Electricity, Gas & Water

4

108,90

64,59

7

13,98

13,98

(a) Electricity Generation & Transmission

2

108,56

64,24

7

13,98

13,98

(b) Non-Conventional Energy

1

21

21

-

-

-

(c) Gas, Steam & Water Supply

1

14

14

-

-

-

18. Construction

7

113,49

50,67

3

1562,00

86,26

(a) Other than Infrastructure

2

2,16

1,33

-

-

-

(b) Infrastructure Construction

5

111,34

49,34

3

1562,00

86,26

III.

TRANSPORT OPERATORS

9

18,25

5,64

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

142

499,98

297,00

41

173,11

132,06

1. Professional Services

-

-

-

1

2,39

26

2. Tourism, Hotel & Restaurants

3

1,48

1,21

4

10,33

7,69

3. Recreation services

-

-

-

1

1,27

1,27

4. IT and Telecommunications

1

81

15

1

61,00

60,14

5. Others

138

497,69

295,65

34

98,12

62,70

V.

PERSONAL LOANS

-

-

-

-

-

-

1. Housing

-

-

-

-

-

-

2. Consumer Durables

-

-

-

-

-

-

3. Vehicles

-

-

-

-

-

-

4. Education

-

-

-

-

-

-

5. Personal Credit Cards

-

-

-

-

-

-

6. Others

-

-

-

-

-

-

VI.

TRADE

754

1115,24

742,01

193

412,74

310,65

1. Wholesale Trade

608

969,10

668,86

126

190,08

134,48

2. Retail Trade

146

146,14

73,15

67

222,66

176,16

VII.

FINANCE

21

105,56

80,66

4

39

38

VIII.

ALL OTHERS

141

503,69

336,40

16

3,45

2,89

TOTAL BANK CREDIT

2,973

8399,81

5132,32

663

10635,34

1812,28

TABLE NO. 5.1 – TYPE OF ACCOUNT–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2010

(Amount in ` Lakh)

OCCUPATION

INLAND BILLS - PURCHASED

INLAND BILLS - DISCOUNTED

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

31

32

33

34

35

36

I.

AGRICULTURE

157

520,34

281,82

190

245,19

81,91

1. Direct Finance

72

250,01

138,93

2

11,00

8,60

2. Indirect Finance

85

270,34

142,89

188

234,19

73,31

II.

INDUSTRY

7,207

33041,27

17341,29

15,872

65865,80

27750,68

1. Mining & Quarrying

138

1000,52

762,15

128

848,64

548,24

2. Food Manufacturing & Processing

198

689,41

408,62

773

940,83

375,82

(a) Rice Mills, Flour & Dal Mills

24

18,87

17,95

567

185,11

110,92

(b) Sugar

5

77,05

59,46

-

-

-

(c) Edible Oils & Vanaspati

27

264,34

133,73

35

164,71

106,26

(d) Tea Processing

5

4,75

4,25

-

-

-

(e) Processing of Fruits & Vegetables

8

18,29

16,35

7

9,70

3,37

(f) Others

129

306,11

176,88

164

581,32

155,27

3. Beverage & Tobacco

65

90,26

28,76

123

667,00

261,82

4. Textiles

747

2552,89

1442,45

1,562

3123,76

1968,28

(a) Cotton Textiles

394

1304,27

716,33

658

1204,87

822,46

(b) Jute & Other Natural Fibre Textiles

6

9,03

4,71

18

74,39

47,69

(c) Handloom Textiles & Khadi

5

1,08

19

19

7,61

2,46

(d) Other Textiles & Textile Products

342

1238,51

721,22

867

1836,89

1095,67

5. Paper, Paper Products & Printing

476

570,50

123,21

314

1028,97

177,92

6. Woods and Wood Products

83

47,58

25,82

87

336,00

254,50

7. Leather & Leather Products

107

137,02

74,35

106

1230,77

87,69

8. Gems and Jewellery

35

332,28

307,17

14

262,56

262,56

9. Rubber & Plastic Products

407

821,73

417,59

763

626,91

343,28

10. Chemicals & Chemical Products

725

2021,30

1164,27

1,951

4791,92

2006,16

(a) Heavy Industrial Chemicals

104

422,21

280,99

499

674,46

387,19

(b) Fertilisers

10

67,18

50,67

36

319,72

136,01

(c) Drugs & Pharmaceuticals

408

990,31

525,79

293

768,43

565,19

(d) Non-Edible Oils

3

5,63

1,57

78

56,74

56,69

(e) Other Chemicals & Chemical Products

200

535,98

305,24

1,045

2972,57

861,08

11. Petroleum, Coal Products & Nuclear Fuels

47

596,38

196,08

78

1542,84

635,83

12. Manufacture of Cement & Cement Products

51

460,54

275,56

44

490,42

157,67

13. Basic Metals & Metal Products

1,387

13139,90

6341,22

3,350

14754,99

6535,30

(a) Iron & Steel

737

8773,76

4152,92

1,728

10082,96

4434,78

(b) Non-Ferrous Metals

158

1687,56

833,04

589

1545,22

743,95

(c) Metal Products

492

2678,58

1355,25

1,033

3126,81

1356,57

14. Engineering

1,044

3964,32

2416,22

2,573

9318,73

3015,82