(Per Cent)

As on March

State Bank of India

Nationalised

Foreign

OCCUPATION

and its Associates

Banks

Banks

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

WEIGHTED AVERAGE LENDING RATE

I. AGRICULTURE

14.21

13.52

14.19

13.81

13.74

13.55

1. Direct Finance

14.67

13.70

14.80

14.37

13.60

15.23

2. Indirect Finance

13.25

13.39

13.62

13.46

13.94

13.39

II. INDUSTRY

13.99

13.13

14.58

14.07

14.24

13.99

1. Mining & Quarrying

12.95

10.77

14.41

13.85

14.93

13.60

2. Manufacturing & Processing

14.13

13.48

14.58

14.20

14.20

13.90

3. Electricity, Gas & Water

13.24

12.79

14.20

13.58

14.57

14.94

4. Construction

14.47

13.60

15.42

13.28

15.01

14.98

III. TRANSPORT OPERATORS

13.42

13.74

14.21

13.11

14.03

13.37

IV. PROFESSIONAL AND OTHER SERVICES

14.15

13.65

15.10

14.44

14.18

14.76

V. PERSONAL LOANS

12.78

12.35

13.45

12.66

15.63

15.06

1. Loans for Purchase of Consumer Durables

14.22

13.88

14.97

14.51

17.60

16.55

2. Loans for Housing

12.39

11.69

12.91

11.83

13.24

13.82

3. Rest of the Personal Loans

13.66

13.95

14.31

14.05

16.90

15.90

VI. TRADE

12.63

12.19

12.99

12.86

14.51

14.36

1. Wholesale Trade

12.22

11.96

12.49

12.51

14.40

14.59

2. Retail Trade

14.10

13.92

15.16

14.68

15.37

14.05

VII. FINANCE

13.05

11.96

13.11

12.32

14.51

13.90

VIII. ALL OTHERS

14.20

13.62

14.40

13.89

13.82

17.55

TOTAL BANK CREDIT

13.60

12.92

14.05

13.53

14.48

14.33

OF WHICH: 1. Artisans & Village Industries

14.87

13.77

15.62

15.16

17.66

19.56

2. Other Small Scale Industries

14.53

13.57

15.13

14.84

14.35

13.14

WEIGHTED AVERAGE DEPOSIT RATE

OF TERM DEPOSITS

9.62

9.63

9.91

9.60

8.60

7.53

As on March

Regional Rural

Other Scheduled

All Scheduled

OCCUPATION

Banks

Commercial Banks

Commercial Banks

2001

2002

2001

2002

2001

2002

(7)

(8)

(9)

(10)

(11)

(12)

WEIGHTED AVERAGE LENDING RATE

I. AGRICULTURE

16.00

15.51

15.84

14.74

14.42

13.87

1. Direct Finance

16.03

15.53

16.59

15.55

15.02

14.38

2. Indirect Finance

15.48

15.33

14.58

14.06

13.65

13.50

II. INDUSTRY

16.40

15.38

15.34

14.59

14.47

13.98

1. Mining & Quarrying

16.34

15.97

14.78

13.90

13.46

12.16

2. Manufacturing & Processing

16.41

15.68

15.31

14.64

14.50

14.13

3. Electricity, Gas & Water

17.45

16.38

14.25

14.05

13.91

13.58

4. Construction

16.29

14.67

16.33

14.99

15.61

13.88

III. TRANSPORT OPERATORS

16.25

15.73

15.38

14.72

14.22

13.70

IV. PROFESSIONAL AND OTHER SERVICES

16.29

15.68

16.02

15.24

15.21

14.73

V. PERSONAL LOANS

12.49

12.30

14.29

14.26

13.81

13.17

1. Loans for Purchase of Consumer Durables

16.61

16.06

16.17

15.69

15.60

14.53

2. Loans for Housing

11.43

11.38

12.65

13.23

12.75

12.13

3. Rest of the Personal Loans

15.84

15.10

15.63

15.17

15.20

14.69

VI. TRADE

16.31

15.82

15.48

14.61

13.17

12.87

1. Wholesale Trade

16.58

15.99

15.00

13.88

12.64

12.46

2. Retail Trade

16.26

15.76

16.03

15.71

15.04

14.76

VII. FINANCE

15.94

13.77

14.61

13.77

13.68

12.74

VIII. ALL OTHERS

16.10

15.14

14.94

14.11

14.40

13.90

TOTAL BANK CREDIT

15.41

14.88

15.28

14.57

14.14

13.66

OF WHICH: 1. Artisans & Village Industries

15.98

15.68

16.11

15.20

15.51

14.03

2. Other Small Scale Industries

16.38

15.67

15.72

15.02

14.98

14.54

WEIGHTED AVERAGE DEPOSIT RATE

OF TERM DEPOSITS

10.91

10.79

10.54

9.80

9.92

9.61

Note:

1. The lending rates are based on the accounts with credit limit of over 2 lakhs.

2. The lending rates are exclusive of Inland & Foreign Bills purchased and discounted.

5. For Computation of Deposit Rate Mid-points of the interest rate range were taken as values

and total deposit amount in the range as weights.