Table No. 5.3 - Interest Rate Range-Wise Classification of Loans and Advances of Scheduled Commercial Banks According to Occupation March 1997 (Part 1 of 2) - આરબીઆઈ - Reserve Bank of India
Table No. 5.3 - Interest Rate Range-Wise Classification of Loans and Advances of Scheduled Commercial Banks According to Occupation March 1997 (Part 1 of 2)
| | | | | | | | | (Amount in Rupees Lakh) | |||
LESS THAN 6% | 6% AND ABOVE BUT | 10% AND ABOVE BUT | ||||||||||
| LESS THAN 10% | LESS THAN 12% | ||||||||||
No. of | Credit | Amount | No. of | Credit | Amount | No. of | Credit | Amount | ||||
OCCUPATION | Accounts | Limit | Out- | Accounts | Limit | Out- | Accounts | Limit | Out- | |||
| | standing | | | standing | | | standing | ||||
| | | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | |
I. | AGRICULTURE | 11 | 4,27 | 3,82 | 1,615 | 65,10 | 57,51 | 13,182 | 371,18 | 284,07 | ||
1. | Direct Finance | - | - | - | 857 | 31,23 | 30,66 | 10,780 | 134,02 | 127,13 | ||
2. | Indirect Finance | 11 | 4,27 | 3,82 | 758 | 33,87 | 26,85 | 2,402 | 237,16 | 156,94 | ||
II. | INDUSTRY | 83 | 12,84 | 10,49 | 1,532 | 374,64 | 340,69 | 8,157 | 804,62 | 733,48 | ||
1. | Mining & Quarrying | - | - | - | 13 | 7,93 | 2,63 | 171 | 6,00 | 3,74 | ||
2. | Food Manufacturing and Processing | - | - | - | 84 | 16,94 | 10,23 | 898 | 67,86 | 53,02 | ||
(a) | Rice Mills, Flour and Dal Mills | - | - | - | 31 | 1,16 | 1,12 | 342 | 11,42 | 9,54 | ||
(b) | Sugar | - | - | - | 2 | 2,74 | 2,17 | 15 | 20,84 | 17,33 | ||
(c) | Edible Oils and Vanaspati | - | - | - | 8 | 41 | 32 | 178 | 4,10 | 3,47 | ||
(d) | Tea Processing | - | - | - | 2 | 5,21 | 1,56 | 13 | 5,53 | 5,19 | ||
(e) | Processing of Fruits & Vegetables | - | - | - | 16 | 2,16 | 2,19 | 13 | 44 | 35 | ||
(f) | Others | - | - | - | 25 | 5,26 | 2,87 | 337 | 25,53 | 17,13 | ||
3. | Beverage and Tobacco | - | - | - | 4 | 36 | 12 | 33 | 18,52 | 13,24 | ||
4. | Textiles | - | - | - | 162 | 102,07 | 94,77 | 886 | 56,67 | 45,64 | ||
(a) | Cotton Textiles | - | - | - | 39 | 42,87 | 45,35 | 224 | 21,51 | 15,42 | ||
(b) | Jute Textiles | - | - | - | 1 | 3 | 3 | 36 | 73 | 41 | ||
(c) | Handloom Textiles & Khadi | - | - | - | 7 | 6 | 5 | 55 | 82 | 66 | ||
(d) | Other Textiles | - | - | - | 115 | 59,11 | 49,34 | 571 | 33,60 | 29,16 | ||
5. | Paper, Paper Products and Printing | - | - | - | 27 | 12,68 | 12,62 | 364 | 13,35 | 12,23 | ||
6. | Leather and Leather Products | - | - | - | 48 | 7,89 | 7,28 | 114 | 11,51 | 11,93 | ||
7. | Rubber and Rubber Products | - | - | - | 8 | 1,38 | 1,92 | 102 | 14,92 | 9,71 | ||
8. | Chemicals and Chemical Products | - | - | - | 66 | 87,77 | 82,66 | 499 | 67,94 | 57,28 | ||
(a) | Heavy Industrial Chemicals | - | - | - | 6 | 9,50 | 7,19 | 56 | 29,74 | 24,39 | ||
(b) | Fertilizers | - | - | - | 3 | 26,52 | 25,06 | 11 | 13,34 | 11,67 | ||
(c) | Drugs and Pharmaceuticals | - | - | - | 24 | 9,61 | 9,84 | 99 | 5,91 | 4,39 | ||
(d) | Non-Edible Oils | - | - | - | 3 | 2,01 | 2,03 | 9 | 52 | 48 | ||
(e) | Other Chemicals & Chemical Products | - | - | - | 30 | 40,13 | 38,54 | 324 | 18,42 | 16,34 | ||
9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | 9 | 5,23 | 4,57 | 41 | 1,61 | 95 | ||
10. | Manufacture of Cement & Cement Products | - | - | - | 6 | 18 | 8 | 103 | 3,80 | 2,78 | ||
11. | Basic Metals & Metal Products | - | - | - | 87 | 10,01 | 7,73 | 674 | 124,71 | 118,69 | ||
(a) | Iron and Steel | - | - | - | 21 | 7,82 | 6,63 | 205 | 107,78 | 102,57 | ||
(b) | Non-Ferrous Metals | - | - | - | 22 | 48 | 45 | 30 | 1,33 | 1,17 | ||
(c) | Other Metal Products | - | - | - | 44 | 1,71 | 65 | 439 | 15,60 | 14,95 | ||
12. | Engineering | - | - | - | 71 | 59,70 | 55,08 | 610 | 89,66 | 83,86 | ||
(a) | Heavy Engineering | - | - | - | 22 | 56,48 | 53,15 | 83 | 46,58 | 40,34 | ||
(b) | Light Engineering | - | - | - | 24 | 1,03 | 85 | 259 | 13,89 | 11,59 | ||
(c) | Electrical Machinery & Goods | - | - | - | 9 | 56 | 52 | 186 | 12,77 | 13,77 | ||
(d) | Electronic Machinery & Goods | - | - | - | 16 | 1,63 | 57 | 82 | 16,41 | 18,17 | ||
13. | Vehicles, Vehicle Parts & Transport Equipments | - | - | - | 71 | 96 | 1,09 | 222 | 206,98 | 222,31 | ||
14. | Other Industries | 67 | 1,05 | 70 | 265 | 31,63 | 26,76 | 2,953 | 57,15 | 50,05 | ||
15. | Electricity, Gas & Water | - | - | - | 600 | 7,16 | 6,49 | 285 | 49,92 | 38,97 | ||
(a) | Electricity Generation & Transmission | - | - | - | 599 | 7,15 | 6,49 | 215 | 47,79 | 37,55 | ||
(b) | Non-Conventional Energy | - | - | - | - | - | - | 48 | 1,88 | 1,33 | ||
(c) | Gas, Steam & Water Supply | - | - | - | 1 | 1 | - | 22 | 25 | 9 | ||
16. | Construction | 16 | 11,79 | 9,79 | 11 | 22,75 | 26,64 | 202 | 14,05 | 9,09 | ||
III. | TRANSPORT OPERATORS | 17 | 14 | 10 | 826 | 6,78 | 5,69 | 1,969 | 22,86 | 20,14 | ||
IV. | PROFESSIONAL AND OTHER SERVICES | 6 | 47 | 46 | 215 | 36,64 | 28,62 | 2,608 | 91,32 | 77,90 | ||
V. | PERSONAL LOANS | 2,47,445 | 2650,34 | 2352,43 | 48,414 | 447,09 | 383,55 | 1,26,738 | 1754,88 | 1636,37 | ||
1. | Loans for Purchase of Consumer Durables | - | - | - | - | - | - | - | - | - | ||
2. | Loans for Housing | 2,39,511 | 2577,84 | 2292,30 | 24,774 | 292,17 | 253,32 | 1,09,208 | 1648,06 | 1547,03 | ||
3. | Rest of the Personal Loans | 7,934 | 72,50 | 60,13 | 23,640 | 154,92 | 130,22 | 17,530 | 106,83 | 89,35 | ||
VI. | TRADE | - | - | - | 661 | 121,49 | 96,04 | 3,766 | 91,13 | 72,22 | ||
1. | Wholesale Trade | - | - | - | 217 | 90,02 | 73,45 | 732 | 33,59 | 26,74 | ||
2. | Retail Trade | - | - | - | 444 | 31,48 | 22,59 | 3,034 | 57,54 | 45,49 | ||
VII. | FINANCE | 64 | 10,94 | 8,50 | 486 | 226,05 | 198,26 | 396 | 74,62 | 67,85 | ||
VIII. | ALL OTHERS | 145 | 147,37 | 105,84 | 751 | 74,90 | 48,74 | 2,817 | 150,27 | 125,31 | ||
TOTAL LOANS AND ADVANCES | 2,47,771 | 2826,38 | 2481,63 | 54,500 | 1352,71 | 1159,10 | 1,59,633 | 3360,89 | 3017,35 | |||
OF WHICH : | 1. Artisans & Village Industries | 66 | 60 | 55 | 79 | 70 | 59 | 878 | 9,23 | 8,17 | ||
| 2. Other Small Scale Industries | - | - | - | 382 | 60,03 | 54,03 | 3,113 | 105,03 | 86,12 |
| | | | | | (Amount in Rupees Lakh) | ||||
12% AND ABOVE BUT | 14% AND ABOVE BUT | |||||||||
LESS THAN 14% | LESS THAN 15% | |||||||||
OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | ||||
Accounts | Limit | Out- | Accounts | Limit | Out- | |||||
| | standing | | | standing | |||||
| | | 10 | 11 | 12 | 13 | 14 | 15 | ||
I. | AGRICULTURE | 1,02,687 | 1484,84 | 1246,32 | 6,98,392 | 7854,52 | 6280,07 | |||
1. | Direct Finance | 99,471 | 965,94 | 802,80 | 6,80,208 | 6607,53 | 5608,19 | |||
2. | Indirect Finance | 3,216 | 518,90 | 443,51 | 18,184 | 1247,00 | 671,88 | |||
II. | INDUSTRY | 79,975 | 17567,90 | 13321,10 | 3,27,879 | 7550,99 | 6341,34 | |||
1. | Mining & Quarrying | 1,350 | 704,23 | 391,27 | 6,741 | 584,22 | 535,76 | |||
2. | Food Manufacturing and Processing | 8,299 | 2455,54 | 1838,78 | 37,612 | 530,24 | 423,96 | |||
(a) | Rice Mills, Flour and Dal Mills | 3,039 | 409,41 | 326,92 | 15,676 | 211,70 | 154,29 | |||
(b) | Sugar | 82 | 20,87 | 16,34 | 230 | 39,35 | 33,47 | |||
(c) | Edible Oils and Vanaspati | 1,533 | 716,62 | 540,54 | 7,634 | 86,84 | 74,85 | |||
(d) | Tea Processing | 96 | 165,84 | 135,93 | 146 | 5,92 | 5,24 | |||
(e) | Processing of Fruits & Vegetables | 180 | 62,13 | 43,07 | 856 | 23,22 | 21,14 | |||
(f) | Others | 3,369 | 1080,68 | 775,97 | 13,070 | 163,19 | 134,96 | |||
3. | Beverage and Tobacco | 428 | 213,82 | 132,53 | 1,843 | 26,61 | 23,62 | |||
4. | Textiles | 13,834 | 4345,53 | 3409,89 | 44,757 | 1254,10 | 955,07 | |||
(a) | Cotton Textiles | 3,008 | 1637,17 | 1190,13 | 10,083 | 547,15 | 501,87 | |||
(b) | Jute Textiles | 176 | 89,97 | 59,64 | 617 | 27,93 | 22,94 | |||
(c) | Handloom Textiles & Khadi | 978 | 97,59 | 79,00 | 4,382 | 54,14 | 46,63 | |||
(d) | Other Textiles | 9,672 | 2520,80 | 2081,12 | 29,675 | 624,88 | 383,62 | |||
5. | Paper, Paper Products and Printing | 3,391 | 223,03 | 189,91 | 15,099 | 224,56 | 170,91 | |||
6. | Leather and Leather Products | 2,175 | 836,20 | 710,78 | 5,315 | 59,40 | 48,60 | |||
7. | Rubber and Rubber Products | 826 | 212,36 | 158,33 | 3,417 | 52,81 | 44,16 | |||
8. | Chemicals and Chemical Products | 5,272 | 1677,50 | 1162,37 | 18,103 | 617,23 | 523,93 | |||
(a) | Heavy Industrial Chemicals | 495 | 322,16 | 225,32 | 1,276 | 63,67 | 54,21 | |||
(b) | Fertilizers | 130 | 46,73 | 34,44 | 376 | 117,00 | 105,87 | |||
(c) | Drugs and Pharmaceuticals | 1,051 | 636,28 | 446,27 | 3,247 | 152,84 | 124,50 | |||
(d) | Non-Edible Oils | 139 | 35,98 | 29,76 | 514 | 18,04 | 15,40 | |||
(e) | Other Chemicals & Chemical Products | 3,457 | 636,35 | 426,59 | 12,690 | 265,67 | 223,95 | |||
9. | Petroleum, Coal Products & Nuclear Fuels | 377 | 145,77 | 120,28 | 1,588 | 535,24 | 548,27 | |||
10. | Manufacture of Cement & Cement Products | 721 | 123,65 | 101,62 | 3,585 | 245,10 | 222,68 | |||
11. | Basic Metals & Metal Products | 6,645 | 1709,95 | 1312,40 | 26,933 | 570,18 | 486,31 | |||
(a) | Iron and Steel | 1,744 | 1260,87 | 963,03 | 6,548 | 268,18 | 231,09 | |||
(b) | Non-Ferrous Metals | 483 | 74,98 | 64,09 | 1,565 | 51,25 | 43,37 | |||
(c) | Other Metal Products | 4,418 | 374,11 | 285,27 | 18,820 | 250,75 | 211,85 | |||
12. | Engineering | 7,112 | 1411,70 | 1010,07 | 31,202 | 673,56 | 553,05 | |||
(a) | Heavy Engineering | 936 | 530,80 | 363,20 | 3,208 | 159,82 | 130,37 | |||
(b) | Light Engineering | 3,449 | 306,16 | 198,47 | 13,636 | 206,28 | 178,79 | |||
(c) | Electrical Machinery & Goods | 1,687 | 405,40 | 321,62 | 7,879 | 200,00 | 154,11 | |||
(d) | Electronic Machinery & Goods | 1,040 | 169,34 | 126,78 | 6,479 | 107,46 | 89,79 | |||
13. | Vehicles, Vehicle Parts & Transport Equipments | 2,297 | 495,64 | 396,46 | 11,048 | 561,48 | 455,41 | |||
14. | Other Industries | 24,459 | 2121,74 | 1748,16 | 1,11,332 | 1240,86 | 1039,05 | |||
15. | Electricity, Gas & Water | 1,174 | 644,28 | 448,71 | 3,488 | 174,25 | 126,18 | |||
(a) | Electricity Generation & Transmission | 1,054 | 635,88 | 441,98 | 3,010 | 167,44 | 120,38 | |||
(b) | Non-Conventional Energy | 31 | 4,37 | 4,33 | 128 | 1,79 | 1,70 | |||
(c) | Gas, Steam & Water Supply | 89 | 4,04 | 2,40 | 350 | 5,02 | 4,10 | |||
16. | Construction | 1,615 | 246,95 | 189,54 | 5,816 | 201,15 | 184,39 | |||
III. | TRANSPORT OPERATORS | 23,174 | 289,80 | 262,52 | 1,31,917 | 1357,20 | 1112,00 | |||
IV. | PROFESSIONAL AND OTHER SERVICES | 16,778 | 452,66 | 335,19 | 1,19,078 | 1357,24 | 1125,41 | |||
V. | PERSONAL LOANS | 2,42,232 | 2096,03 | 1796,57 | 4,18,733 | 3638,66 | 3119,46 | |||
1. | Loans for Purchase of Consumer Durables | 2,074 | 14,24 | 12,66 | 6,177 | 51,08 | 43,50 | |||
2. | Loans for Housing | 24,051 | 480,11 | 420,59 | 92,762 | 1067,32 | 928,71 | |||
3. | Rest of the Personal Loans | 2,16,107 | 1601,68 | 1363,32 | 3,19,794 | 2520,26 | 2147,26 | |||
VI. | TRADE | 58,758 | 4533,36 | 3425,59 | 3,85,417 | 5126,19 | 4287,61 | |||
1. | Wholesale Trade | 12,712 | 3291,36 | 2424,50 | 46,808 | 2099,24 | 1797,78 | |||
2. | Retail Trade | 46,046 | 1242,00 | 1001,09 | 3,38,609 | 3026,95 | 2489,83 | |||
VII. | FINANCE | 1,776 | 1161,63 | 970,40 | 4,031 | 807,17 | 632,86 | |||
VIII. | ALL OTHERS | 17,025 | 2853,99 | 2189,36 | 38,225 | 1393,61 | 990,93 | |||
TOTAL BANK CREDIT | 5,42,405 | 30440,20 | 23547,05 | 21,23,672 | 29085,58 | 23889,69 | ||||
OF WHICH : | 1. Artisans & Village Industries | 8,453 | 81,69 | 72,99 | 45,102 | 312,93 | 273,31 | |||
| 2. Other Small Scale Industries | 38,195 | 3524,90 | 2822,33 | 1,57,227 | 1960,64 | 1665,60 |
See Notes on Tables. |
See errata in respect of Volume 25, March 1996 at the end. |