Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of
Scheduled Commercial Banks According to Occupation - March 1996

NORTHERN REGION

(Amount in Rupees Lakh)

STATE BANK OF INDIA

NATIONALISED BANKS

FOREIGN BANKS

AND ITS ASSOCIATES

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

14,136

30,87

25,34

11,211

13,98

10,86

-

-

-

1.

Direct Finance

14,044

29,88

24,52

10,811

12,79

9,97

-

-

-

2.

Indirect Finance

92

99

82

400

1,20

89

-

-

-

II.

INDUSTRY

3,287

66,72

56,95

3,225

81,40

73,71

3

9

8

1.

Mining & Quarrying

4

6

2

46

9,42

7,46

-

-

-

2.

Food Manufacturing and Processing

251

7,38

7,21

200

12,68

11,47

-

-

-

(a)

Rice Mills, Flour and Dal Mills

50

2,88

2,81

75

6,90

6,12

-

-

-

(b)

Sugar

-

-

-

-

-

-

-

-

-

(c)

Edible Oils and Vanaspati

72

1,62

1,56

32

1,32

1,25

-

-

-

(d)

Tea Processing

-

-

-

1

4

6

-

-

-

(e)

Processing of Fruits & Vegetables

1

2

2

4

12

7

-

-

-

(f)

Others

128

2,86

2,82

88

4,30

3,97

-

-

-

3.

Beverage and Tobacco

8

17,09

15,10

20

32

53

-

-

-

4.

Textiles

184

4,93

4,58

237

7,10

6,51

-

-

-

(a)

Cotton Textiles

11

2,47

2,41

18

2,73

2,49

-

-

-

(b)

Jute Textiles

-

-

-

3

9

5

-

-

-

(c)

Handloom Textiles & Khadi

4

5

6

13

16

22

-

-

-

(d)

Other Textiles

169

2,41

2,11

203

4,13

3,76

-

-

-

5.

Paper, Paper Products and Printing

47

56

43

88

2,16

1,96

-

-

-

6.

Leather and Leather Products

37

64

63

24

70

78

-

-

-

7.

Rubber and Rubber Products

6

15

20

20

57

51

-

-

-

8.

Chemicals and Chemical Products

48

1,31

1,18

165

10,98

10,74

-

-

-

(a)

Heavy Industrial Chemicals

2

30

21

9

34

43

-

-

-

(b)

Fertilizers

-

-

-

1

4

9

-

-

-

(c)

Drugs and Pharmaceuticals

16

37

51

39

1,96

2,49

-

-

-

(d)

Non-Edible Oils

1

1

2

1

1

-

-

-

-

(e)

Other Chemicals & Chemical Products

29

62

44

115

8,63

7,74

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

84

4,67

3,04

4

19

8

-

-

-

10.

Manufacture of Cement & Cement Products

3

8

7

21

3,55

2,11

-

-

-

11.

Basic Metals & Metal Products

212

6,43

5,55

173

7,27

5,43

-

-

-

(a)

Iron and Steel

40

2,32

2,00

60

5,13

3,65

-

-

-

(b)

Non-Ferrous Metals

8

12

10

8

24

19

-

-

-

(c)

Other Metal Products

164

3,99

3,45

105

1,90

1,59

-

-

-

12.

Engineering

77

2,83

2,63

106

6,70

3,31

-

-

-

(a)

Heavy Engineering

2

2

3

4

6

8

-

-

-

(b)

Light Engineering

15

1,02

81

22

2,70

1,60

-

-

-

(c)

Electrical Machinery & Goods

53

1,59

1,69

57

3,37

1,22

-

-

-

(d)

Electronic Machinery & Goods

7

21

10

23

57

40

-

-

-

Vehicles, Vehicle Parts & Transport Equipments

34

31

31

33

2,59

2,22

-

-

-

14.

Other Industries

2,248

19,73

15,51

2,044

15,56

18,59

2

1

-

15.

Electricity, Gas & Water

11

10

8

8

52

53

-

-

-

(a)

Electricity Generation & Transmission

6

8

7

7

52

53

-

-

-

(b)

Non-Conventional Energy

-

-

-

1

-

-

-

-

-

(c)

Gas, Steam & Water Supply

5

2

1

-

-

-

-

-

-

16.

Construction

33

45

40

36

1,07

1,47

1

8

8

III.

TRANSPORT OPERATORS

1,797

37,65

29,11

1,323

13,92

10,80

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

144

3,66

2,55

5,257

11,24

10,54

2

2

1

V.

PERSONAL LOANS

2,168

18,65

15,64

14,610

45,81

39,24

61

73

63

1.

Loans for Purchase of Consumer Durables

86

71

58

965

1,31

1,07

-

-

-

2.

Loans for Housing

749

7,81

6,79

1,204

14,04

11,09

15

46

41

3.

Rest of the Personal Loans

1,333

10,13

8,28

12,441

30,46

27,08

46

27

22

VI.

TRADE

3,492

18,15

15,85

8,944

40,64

36,24

13

23

21

1.

Wholesale Trade

297

3,12

2,83

791

13,32

12,06

10

20

18

2.

Retail Trade

3,195

15,04

13,03

8,153

27,32

24,18

3

4

3

VII.

FINANCE

26

87

87

60

5,56

5,06

-

-

-

VIII.

ALL OTHERS

524

1,56

1,07

6,512

23,57

22,11

-

-

-

TOTAL BANK CREDIT

25,574

178,13

147,40

51,142

236,12

208,54

79

1,08

93

OF WHICH :

1. Artisans & Village Industries

627

2,12

2,06

710

1,86

1,67

1

1

-

2. Other Small Scale Industries

1,950

31,85

25,78

1,713

42,82

37,24

-

-

-

REGIONAL RURAL BANKS

OTHER SCHEDULED

ALL SCHEDULED

COMMERCIAL BANKS

COMMERCIAL BANKS

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

37,523

20,73

17,95

19,434

32,83

32,73

82,304

98,42

86,88

1.

Direct Finance

37,185

20,53

17,77

19,207

30,98

29,57

81,247

94,18

81,83

2.

Indirect Finance

338

20

18

227

1,85

3,16

1,057

4,24

5,05

II.

INDUSTRY

20,395

7,98

6,81

14,442

137,76

135,54

41,352

293,94

273,09

1.

Mining & Quarrying

1

1

-

20

1,70

3,12

71

11,19

10,61

2.

Food Manufacturing and Processing

91

11

11

478

15,08

14,89

1,020

35,24

33,68

(a)

Rice Mills, Flour and Dal Mills

9

4

4

128

6,95

6,67

262

16,77

15,63

(b)

Sugar

-

-

-

1

3

4

1

3

4

(c)

Edible Oils and Vanaspati

4

3

2

139

5,51

5,71

247

8,48

8,54

(d)

Tea Processing

-

-

-

-

-

-

1

4

6

(e)

Processing of Fruits & Vegetables

-

-

-

7

11

10

12

24

20

(f)

Others

78

4

5

203

2,49

2,37

497

9,69

9,21

3.

Beverage and Tobacco

-

-

-

39

5,74

4,82

67

23,15

20,45

4.

Textiles

1

1

1

1,374

39,62

29,56

1,796

51,67

40,65

(a)

Cotton Textiles

-

-

-

43

24,40

16,39

72

29,60

21,29

(b)

Jute Textiles

-

-

-

1

1

-

4

9

5

(c)

Handloom Textiles & Khadi

-

-

-

29

34

30

46

55

58

(d)

Other Textiles

1

1

1

1,301

14,88

12,86

1,674

21,42

18,73

5.

Paper, Paper Products and Printing

-

-

-

138

3,55

4,15

273

6,27

6,54

6.

Leather and Leather Products

1

1

1

175

2,50

2,23

237

3,84

3,65

7.

Rubber and Rubber Products

-

-

-

12

23

29

38

96

1,00

8.

Chemicals and Chemical Products

-

-

-

128

4,04

4,53

341

16,33

16,45

(a)

Heavy Industrial Chemicals

-

-

-

7

38

60

18

1,03

1,24

(b)

Fertilizers

-

-

-

-

-

-

1

4

9

(c)

Drugs and Pharmaceuticals

-

-

-

40

89

92

95

3,23

3,92

(d)

Non-Edible Oils

-

-

-

4

2

2

6

4

5

(e)

Other Chemicals & Chemical Products

-

-

-

77

2,74

2,98

221

11,99

11,16

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

7

21

24

95

5,07

3,37

10.

Manufacture of Cement & Cement Products

-

-

-

45

2,89

2,04

69

6,51

4,22

11.

Basic Metals & Metal Products

1

1

1

306

14,15

23,33

692

27,85

34,31

(a)

Iron and Steel

-

-

-

95

9,13

17,85

195

16,58

23,49

(b)

Non-Ferrous Metals

-

-

-

8

35

9

24

71

39

(c)

Other Metal Products

1

1

1

203

4,67

5,39

473

10,57

10,43

12.

Engineering

-

-

-

226

3,27

3,01

409

12,81

8,95

(a)

Heavy Engineering

-

-

-

7

15

14

13

23

25

(b)

Light Engineering

-

-

-

27

56

51

64

4,28

2,93

(c)

Electrical Machinery & Goods

-

-

-

109

1,87

1,74

219

6,83

4,64

(d)

Electronic Machinery & Goods

-

-

-

83

69

62

113

1,47

1,12

Vehicles, Vehicle Parts & Transport Equipments

2

3

3

67

1,94

1,63

136

4,87

4,18

14.

Other Industries

20,298

7,81

6,64

11,240

38,60

37,52

35,832

81,72

78,26

15.

Electricity, Gas & Water

-

-

-

11

16

15

30

79

77

(a)

Electricity Generation & Transmission

-

-

-

10

11

11

23

71

71

(b)

Non-Conventional Energy

-

-

-

-

-

-

1

-

-

(c)

Gas, Steam & Water Supply

-

-

-

1

5

5

6

8

6

16.

Construction

-

-

-

176

4,06

4,04

246

5,66

5,99

III.

TRANSPORT OPERATORS

4,201

6,78

5,80

4,181

52,41

39,33

11,502

110,76

85,05

IV.

PROFESSIONAL AND OTHER SERVICES

926

64

53

26,772

62,49

60,95

33,101

78,04

74,58

V.

PERSONAL LOANS

3,641

4,93

4,66

51,073

98,23

92,73

71,553

168,35

152,90

1.

Loans for Purchase of Consumer Durables

33

2

2

18,851

22,07

29,48

19,935

24,11

31,15

2.

Loans for Housing

463

1,61

1,57

3,273

28,54

23,59

5,704

52,45

43,45

3.

Rest of the Personal Loans

3,145

3,30

3,08

28,949

47,62

39,66

45,914

91,78

78,30

VI.

TRADE

15,969

13,64

12,78

24,076

222,79

209,30

52,494

295,46

274,38

1.

Wholesale Trade

357

25

22

1,560

149,69

144,36

3,015

166,58

159,64

2.

Retail Trade

15,612

13,39

12,56

22,516

73,11

64,94

49,479

128,89

114,74

VII.

FINANCE

5

13

11

12

2,71

3,05

103

9,26

9,09

VIII.

ALL OTHERS

5,765

3,38

3,38

40,429

89,55

81,96

53,230

118,06

108,52

TOTAL BANK CREDIT

88,425

58,20

52,01

1,80,419

698,77

655,60

3,45,639

1172,30

1064,48

OF WHICH :

1. Artisans & Village Industries

18,674

7,12

6,05

5,696

7,26

5,99

25,708

18,37

15,77

2. Other Small Scale Industries

1,426

66

60

7,009

56,84

62,74

12,098

132,17

126,36