NORTHERN REGION

STATE : HIMACHAL PRADESH

(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

2,11,837

1960,83

1644,71

16,222

266,01

206,13

1. Direct Finance

2,09,053

1704,24

1402,95

15,682

225,33

168,21

2. Indirect Finance

2,784

256,59

241,76

540

40,69

37,92

II.

INDUSTRY

11,321

4149,08

3035,52

5,013

1334,50

1079,58

1. Mining & Quarrying

165

17,94

13,33

58

12,70

11,09

2. Food Manufacturing & Processing

1,096

110,75

80,04

405

72,15

49,83

(a) Rice Mills, Flour & Dal Mills

208

20,89

16,42

39

8,25

6,03

(b) Sugar

3

13

9

2

10

10

(c) Edible Oils & Vanaspati

20

1,46

1,33

14

3,21

1,79

(d) Tea Processing

4

60

56

2

16

16

(e) Processing of Fruits & Vegetables

51

5,40

3,30

21

2,41

1,95

(f) Others

810

82,27

58,34

327

58,03

39,79

3. Beverage & Tobacco

49

17,55

14,40

36

10,64

10,31

4. Textiles

1,618

288,57

225,12

1,288

114,20

93,99

(a) Cotton Textiles

143

253,47

197,88

31

72,82

60,69

(b) Jute & Other Natural Fibre Textiles

38

4,20

4,27

3

3

2

(c) Handloom Textiles & Khadi

826

9,27

7,14

137

8,35

7,43

(d) Other Textiles & Textile Products

611

21,62

15,84

1,117

33,01

25,83

5. Paper, Paper Products & Printing

523

251,93

211,22

312

76,56

75,70

6. Woods and Wood Products

700

12,12

9,63

282

4,96

4,39

7. Leather & Leather Products

128

16,60

7,20

48

1,22

99

8. Gems and Jewellery

88

4,41

3,64

32

2,30

2,04

9. Rubber & Plastic Products

304

97,02

82,28

183

85,47

67,12

10. Chemicals & Chemical Products

696

465,32

350,78

445

297,75

220,16

(a) Heavy Industrial Chemicals

45

43,12

25,31

32

19,47

13,35

(b) Fertilisers

7

2,16

1,38

7

22

12

(c) Drugs & Pharmaceuticals

262

316,42

235,80

285

230,57

172,47

(d) Non-Edible Oils

8

6,29

5,52

1

35

35

(e) Other Chemicals & Chemical Products

374

97,33

82,79

120

47,15

33,89

11. Petroleum, Coal Products & Nuclear Fuels

16

10,19

9,67

7

58

46

12. Manufacture of Cement & Cement Products

74

119,07

82,08

41

4,35

3,42

13. Basic Metals & Metal Products

756

463,48

373,72

195

86,35

70,78

(a) Iron & Steel

175

313,26

263,00

28

22,99

20,94

(b) Non-Ferrous Metals

56

55,17

44,66

17

2,59

1,84

(c) Metal Products

525

95,06

66,07

150

60,77

47,99

14. Engineering

906

220,51

152,23

598

141,60

94,99

(a) Heavy Engineering

35

26,67

10,55

19

4,86

4,11

(b) Light Engineering

514

92,22

75,08

391

81,04

47,24

(c) Electrical Machinery & Goods

238

87,98

55,95

144

34,15

23,19

(d) Electronic Machinery & Goods

119

13,64

10,64

44

21,55

20,45

15. Vehicles, Vehicle Parts & Transport Equipments

322

27,26

22,36

94

78,36

56,39

16. Other Industries

3,089

111,73

86,18

651

50,61

38,02

17. Electricity, Gas & Water

23

654,50

560,79

11

211,19

200,24

(a) Electricity Generation & Transmission

11

652,82

559,28

7

210,83

199,91

(b) Non-Conventional Energy

6

28

16

2

15

10

(c) Gas, Steam & Water Supply

6

1,40

1,35

2

21

23

18. Construction

768

1260,13

750,84

327

83,50

79,66

(a) Other than Infrastructure

534

48,26

30,16

153

15,41

10,70

(b) Infrastructure Construction

234

1211,87

720,68

174

68,09

68,96

III.

TRANSPORT OPERATORS

8,024

388,17

299,22

1,548

88,48

73,72

IV.

PROFESSIONAL AND OTHER SERVICES

12,113

529,44

401,32

3,846

219,76

185,67

1. Professional Services

2,555

81,79

72,38

796

25,71

20,95

2. Tourism, Hotel & Restaurants

1,260

126,49

95,32

413

50,05

41,80

3. Recreation services

144

3,11

2,08

37

1,18

85

4. IT and Telecommunications

79

7,25

6,29

60

5,43

4,43

5. Others

8,075

310,81

225,27

2,540

137,39

117,64

V.

PERSONAL LOANS

1,33,031

2395,39

1869,79

40,937

1030,80

818,17

1. Housing

36,945

1269,80

1044,24

13,020

616,31

512,96

2. Consumer Durables

7,821

53,24

42,74

1,348

12,08

8,84

3. Vehicles

15,642

324,59

234,64

5,942

128,08

95,90

4. Education

6,533

156,39

118,11

2,584

67,51

51,94

5. Personal Credit Cards

284

2,07

1,09

248

1,13

74

6. Others

65,806

589,30

428,97

17,795

205,69

147,79

VI.

TRADE

45,269

995,99

802,59

11,979

477,81

371,39

1. Wholesale Trade

1,216

80,37

66,37

497

61,21

44,18

2. Retail Trade

44,053

915,62

736,23

11,482

416,60

327,21

VII.

FINANCE

1,715

28,45

22,51

401

7,86

6,38

VIII.

ALL OTHERS

12,809

134,12

110,62

8,117

55,99

45,26

TOTAL BANK CREDIT

4,36,119

10581,47

8186,28

88,063

3481,21

2786,31

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

NORTHERN REGION

STATE : HIMACHAL PRADESH

(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

1,317

488,84

376,54

-

-

-

1. Direct Finance

1,233

218,65

175,28

-

-

-

2. Indirect Finance

84

270,18

201,26

-

-

-

II.

INDUSTRY

1,196

1357,18

1019,24

-

-

-

1. Mining & Quarrying

2

46

10

-

-

-

2. Food Manufacturing & Processing

78

82,56

68,18

-

-

-

(a) Rice Mills, Flour & Dal Mills

4

1,80

1,72

-

-

-

(b) Sugar

-

-

-

-

-

-

(c) Edible Oils & Vanaspati

6

2,22

1,74

-

-

-

(d) Tea Processing

-

-

-

-

-

-

(e) Processing of Fruits & Vegetables

7

8,75

1,73

-

-

-

(f) Others

61

69,80

63,00

-

-

-

3. Beverage & Tobacco

-

-

-

-

-

-

4. Textiles

29

1,59

1,18

-

-

-

(a) Cotton Textiles

4

64

30

-

-

-

(b) Jute & Other Natural Fibre Textiles

-

-

-

-

-

-

(c) Handloom Textiles & Khadi

3

58

56

-

-

-

(d) Other Textiles & Textile Products

22

37

33

-

-

-

5. Paper, Paper Products & Printing

44

2,08

1,69

-

-

-

6. Woods and Wood Products

19

55

46

-

-

-

7. Leather & Leather Products

-

-

-

-

-

-

8. Gems and Jewellery

3

2,12

1,51

-

-

-

9. Rubber & Plastic Products

8

79

60

-

-

-

10. Chemicals & Chemical Products

8

3,56

2,43

-

-

-

(a) Heavy Industrial Chemicals

-

-

-

-

-

-

(b) Fertilisers

1

2

2

-

-

-

(c) Drugs & Pharmaceuticals

4

3,16

2,41

-

-

-

(d) Non-Edible Oils

-

-

-

-

-

-

(e) Other Chemicals & Chemical Products

3

38

-

-

-

-

11. Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

12. Manufacture of Cement & Cement Products

1

160,00

160,00

-

-

-

13. Basic Metals & Metal Products

20

10,80

4,76

-

-

-

(a) Iron & Steel

7

3,10

3,05

-

-

-

(b) Non-Ferrous Metals

2

18

9

-

-

-

(c) Metal Products

11

7,53

1,62

-

-

-

14. Engineering

61

7,06

4,90

-

-

-

(a) Heavy Engineering

2

12

10

-

-

-

(b) Light Engineering

44

3,29

1,46

-

-

-

(c) Electrical Machinery & Goods

4

28

12

-

-

-

(d) Electronic Machinery & Goods

11

3,37

3,23

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

4

12

11

-

-

-

16. Other Industries

738

87,38

42,23

-

-

-

17. Electricity, Gas & Water

11

295,65

285,36

-

-

-

(a) Electricity Generation & Transmission

5

276,05

273,78

-

-

-

(b) Non-Conventional Energy

5

19,56

11,54

-

-

-

(c) Gas, Steam & Water Supply

1

4

4

-

-

-

18. Construction

170

702,46

445,73

-

-

-

(a) Other than Infrastructure

124

255,96

85,67

-

-

-

(b) Infrastructure Construction

46

446,49

360,06

-

-

-

III.

TRANSPORT OPERATORS

405

45,71

40,78

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

1,077

159,92

133,23

-

-

-

1. Professional Services

205

17,76

15,68

-

-

-

2. Tourism, Hotel & Restaurants

137

40,81

27,60

-

-

-

3. Recreation services

7

70

68

-

-

-

4. IT and Telecommunications

15

10,12

9,97

-

-

-

5. Others

713

90,52

79,30

-

-

-

V.

PERSONAL LOANS

18,887

786,24

607,43

-

-

-

1. Housing

5,893

572,45

449,53

-

-

-

2. Consumer Durables

578

3,68

2,89

-

-

-

3. Vehicles

2,636

59,98

47,27

-

-

-

4. Education

1,174

36,62

28,92

-

-

-

5. Personal Credit Cards

175

1,15

75

-

-

-

6. Others

8,431

112,36

78,07

-

-

-

VI.

TRADE

3,373

284,54

204,04

-

-

-

1. Wholesale Trade

80

156,91

107,76

-

-

-

2. Retail Trade

3,293

127,63

96,27

-

-

-

VII.

FINANCE

51

10,29

8,45

-

-

-

VIII.

ALL OTHERS

6,091

353,60

362,66

-

-

-

TOTAL BANK CREDIT

32,397

3486,31

2752,37

-

-

-