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

EASTERN REGION

STATE : BIHAR

(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

12,45,066

991,91

894,98

3,68,958

450,43

411,08

1.

Direct Finance

12,34,390

946,33

855,76

3,63,540

367,17

335,91

2.

Indirect Finance

10,676

45,58

39,22

5,418

83,27

75,18

II.

INDUSTRY

3,02,728

840,46

710,54

97,165

516,08

473,14

1.

Mining & Quarrying

375

24,75

4,97

334

36,75

33,15

2.

Food Manufacturing & Processing

8,607

103,68

82,32

4,869

40,81

38,50

(a) Rice Mills, Flour & Dal Mills

3,490

21,52

22,10

1,586

18,81

17,58

(b) Sugar

27

54,96

35,93

41

6,10

5,40

(c) Edible Oils & Vanaspati

1,386

17,65

14,69

670

6,15

6,38

(d) Tea Processing

1

-

-

2

1

1

(e) Processing of Fruits & Vegetables

45

51

66

15

13

13

(f) Others

3,658

9,04

8,93

2,555

9,61

9,00

3.

Beverage & Tobacco

134

1,93

1,85

98

16,57

12,68

4.

Textiles

1,574

13,95

13,79

1,202

16,70

10,80

(a) Cotton Textiles

114

5,62

5,56

146

1,34

1,40

(b) Jute Textiles

27

48

19

23

2,68

1,25

(c) Handloom Textiles & Khadi

108

58

53

71

2,09

2,03

(d) Other Textiles

1,325

7,27

7,51

962

10,59

6,12

5.

Paper, Paper Products & Printing

253

10,56

9,60

491

8,04

7,11

6.

Leather & Leather Products

362

1,67

1,88

330

4,17

4,03

7.

Rubber & Rubber Products

44

1,66

1,49

79

2,48

2,47

8.

Chemicals & Chemical Products

356

9,35

7,47

571

16,01

15,46

(a) Heavy Industrial Chemicals

17

3,10

1,81

32

1,85

1,58

(b) Fertilisers

4

1,51

1,51

12

1,01

98

(c) Drugs & Pharmaceuticals

48

2,23

1,66

77

2,19

2,31

(d) Non-Edible Oils

46

43

36

24

47

59

(e) Other Chemicals & Chemical Products

241

2,09

2,12

426

10,48

9,99

9.

Petroleum, Coal Products & Nuclear Fuels

89

1,65

1,60

214

10,09

8,77

10.

Manufacture of Cement & Cement Products

166

6,37

5,82

146

10,63

9,76

11.

Basic Metals & Metal Products

1,066

71,87

51,88

1,328

50,52

48,25

(a) Iron & Steel

53

61,79

42,27

212

25,96

24,25

(b) Non-Ferrous Metals

11

74

51

40

76

94

(c) Other Metal Products

1,002

9,35

9,10

1,076

23,80

23,06

12.

Engineering

653

228,15

206,19

727

85,86

78,34

(a) Heavy Engineering

122

176,92

160,67

115

2,92

2,94

(b) Light Engineering

317

44,31

38,35

243

71,90

64,35

(c) Electrical Machinery & Goods

110

2,25

1,94

188

9,38

9,07

(d) Electronic Machinery & Goods

104

4,67

5,23

181

1,67

1,97

13.

Vehicles, Vehicle Parts & Transport Equipments

812

84,34

65,99

667

40,59

33,00

14.

Other Industries

2,88,103

276,24

250,46

85,908

167,62

162,54

15.

Electricity, Gas & Water

46

28

26

74

3,77

3,32

(a) Electricity Generation & Transmission

32

19

17

59

2,79

2,81

(b) Non-Conventional Energy

2

1

1

3

2

2

(c) Gas, Steam & Water Supply

12

9

8

12

97

50

16.

Construction

88

4,00

4,98

127

5,48

4,96

III.

TRANSPORT OPERATORS

1,17,726

183,13

153,61

44,743

114,20

93,66

IV.

PROFESSIONAL AND OTHER SERVICES

1,21,400

115,20

94,28

41,988

182,40

151,43

V.

PERSONAL LOANS

2,51,172

399,67

333,59

1,66,503

373,95

320,94

1.

Loans for Purchase of Consumer Durables

12,819

19,29

15,74

12,523

24,98

21,17

2.

Loans for Housing

12,201

68,41

57,32

14,370

96,52

83,85

3.

Rest of the Personal Loans

2,26,152

311,97

260,53

1,39,610

252,45

215,92

VI.

TRADE

8,09,736

638,03

595,68

2,55,306

447,77

412,07

1.

Wholesale Trade

31,765

51,48

47,07

14,282

94,37

83,58

2.

Retail Trade

7,77,971

586,55

548,60

2,41,024

353,39

328,49

VII.

FINANCE

86

4,89

4,43

161

5,65

4,64

VIII.

ALL OTHERS

1,25,849

110,61

92,43

49,225

86,28

69,21

TOTAL BANK CREDIT

29,73,763

3283,90

2879,54

10,24,049

2176,78

1936,17

OF WHICH:

1. Artisans & Village Industries

2,21,075

126,83

115,77

49,115

41,92

40,27

2. Other Small Scale Industries

65,224

154,20

145,60

33,839

225,85

212,82

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

47,586

95,83

88,53

-

-

-

1.

Direct Finance

46,373

78,64

74,03

-

-

-

2.

Indirect Finance

1,213

17,19

14,50

-

-

-

II.

INDUSTRY

36,039

1493,38

1272,87

-

-

-

1.

Mining & Quarrying

264

51,18

39,91

-

-

-

2.

Food Manufacturing & Processing

1,362

63,03

53,36

-

-

-

(a) Rice Mills, Flour & Dal Mills

438

17,92

12,20

-

-

-

(b) Sugar

9

22,45

18,37

-

-

-

(c) Edible Oils & Vanaspati

228

6,49

7,02

-

-

-

(d) Tea Processing

-

-

-

-

-

-

(e) Processing of Fruits & Vegetables

28

2,50

1,84

-

-

-

(f) Others

659

13,66

13,92

-

-

-

3.

Beverage & Tobacco

54

4,69

4,55

-

-

-

4.

Textiles

1,336

33,49

32,77

-

-

-

(a) Cotton Textiles

133

7,36

6,74

-

-

-

(b) Jute Textiles

32

1,47

1,55

-

-

-

(c) Handloom Textiles & Khadi

68

2,48

2,62

-

-

-

(d) Other Textiles

1,103

22,19

21,86

-

-

-

5.

Paper, Paper Products & Printing

656

22,01

21,07

-

-

-

6.

Leather & Leather Products

211

3,47

3,50

-

-

-

7.

Rubber & Rubber Products

87

15,34

6,54

-

-

-

8.

Chemicals & Chemical Products

893

95,12

77,19

-

-

-

(a) Heavy Industrial Chemicals

38

13,37

14,32

-

-

-

(b) Fertilisers

29

24,78

24,18

-

-

-

(c) Drugs & Pharmaceuticals

261

12,18

11,97

-

-

-

(d) Non-Edible Oils

16

67

61

-

-

-

(e) Other Chemicals & Chemical Products

549

44,12

26,12

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

292

24,77

24,38

-

-

-

10.

Manufacture of Cement & Cement Products

86

64,88

65,54

-

-

-

11.

Basic Metals & Metal Products

1,589

516,27

461,73

-

-

-

(a) Iron & Steel

406

452,05

410,55

-

-

-

(b) Non-Ferrous Metals

49

8,06

6,28

-

-

-

(c) Other Metal Products

1,134

56,16

44,89

-

-

-

12.

Engineering

1,080

291,44

225,00

-

-

-

(a) Heavy Engineering

93

242,44

178,79

-

-

-

(b) Light Engineering

373

10,18

9,70

-

-

-

(c) Electrical Machinery & Goods

351

29,98

28,53

-

-

-

(d) Electronic Machinery & Goods

263

8,84

7,98

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

647

140,84

116,37

-

-

-

14.

Other Industries

27,150

125,18

122,93

-

-

-

15.

Electricity, Gas & Water

42

11,77

1,73

-

-

-

(a) Electricity Generation & Transmission

29

11,48

1,44

-

-

-

(b) Non-Conventional Energy

4

7

9

-

-

-

(c) Gas, Steam & Water Supply

9

22

20

-

-

-

16.

Construction

290

29,91

16,27

-

-

-

III.

TRANSPORT OPERATORS

20,040

91,47

79,86

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

16,455

111,31

92,87

-

-

-

V.

PERSONAL LOANS

1,79,911

542,73

493,15

-

-

-

1.

Loans for Purchase of Consumer Durables

22,637

43,89

39,11

-

-

-

2.

Loans for Housing

23,319

179,41

163,43

-

-

-

3.

Rest of the Personal Loans

1,33,955

319,43

290,61

-

-

-

VI.

TRADE

82,591

409,73

374,99

-

-

-

1.

Wholesale Trade

6,212

126,76

108,33

-

-

-

2.

Retail Trade

76,379

282,97

266,66

-

-

-

VII.

FINANCE

128

38,04

37,66

-

-

-

VIII.

ALL OTHERS

53,339

173,70

157,70

-

-

-

TOTAL BANK CREDIT

4,36,089

2956,19

2597,63

-

-

-

OF WHICH:

1. Artisans & Village Industries

9,393

19,98

20,30

-

-

-

2. Other Small Scale Industries

19,780

231,62

212,04

-

-

-