SOUTHERN REGION

STATE : KERALA

OCCUPATION

STATE BANK OF INDIA AND
ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN BANKS

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

2,89,124

2606,91

2210,92

8,11,462

6109,99

4696,52

1

1

1

1. Direct Finance

2,67,642

2115,96

1795,95

7,99,894

4366,42

3751,57

1

1

1

2. Indirect Finance

21,482

490,95

414,97

11,568

1743,58

944,95

-

-

-

II.

INDUSTRY

46,316

8024,04

4166,23

48,225

4673,90

3343,10

376

397,25

175,78

1. Mining & Quarrying

206

55,81

43,98

129

43,45

32,50

3

44

44

2. Food Manufacturing & Processing

8,715

3118,71

916,04

5,649

806,29

538,97

38

56,47

38,70

(a) Rice Mills, Flour & Dal Mills

488

89,76

70,62

470

58,51

42,88

2

3,05

5

(b) Sugar

5

19

14

1

5

5

-

-

-

(c) Edible Oils & Vanaspati

623

96,01

73,88

361

25,51

20,99

-

-

-

(d) Tea Processing

127

43,30

27,71

80

96,42

80,85

-

-

-

(e) Processing of Fruits & Vegetables

148

34,85

20,98

48

13,03

9,92

-

-

-

(f) Others

7,324

2854,60

722,70

4,689

612,76

384,28

36

53,41

38,65

3. Beverage & Tobacco

105

55,74

46,61

95

28,88

27,74

-

-

-

4. Textiles

9,656

768,70

569,82

7,352

712,93

512,04

2

8,88

18

(a) Cotton Textiles

219

197,39

150,89

710

457,39

305,23

2

8,88

18

(b) Jute & Other Natural Fibre Textiles

101

24,79

7,88

838

5,39

4,75

-

-

-

(c) Handloom Textiles & Khadi

396

31,78

23,51

1,448

39,53

34,68

-

-

-

(d) Other Textiles & Textile Products

8,940

514,74

387,54

4,356

210,63

167,38

-

-

-

5. Paper, Paper Products & Printing

1,887

438,44

223,78

2,019

302,69

172,25

5

1,84

1,84

6. Woods and Wood Products

3,052

99,74

83,78

3,429

104,87

87,73

1

7

7

7. Leather & Leather Products

481

10,96

8,36

434

9,17

7,87

-

-

-

8. Gems and Jewellery

799

45,30

39,35

275

41,91

40,36

1

12

12

9. Rubber & Plastic Products

2,208

586,23

318,17

1,471

220,48

166,81

8

40,24

5,04

10. Chemicals & Chemical Products

1,990

685,56

460,56

1,547

253,01

227,64

11

35,82

8,86

(a) Heavy Industrial Chemicals

48

45,57

38,26

41

38,28

39,93

-

-

-

(b) Fertilisers

71

309,83

217,51

26

45,89

40,31

-

-

-

(c) Drugs & Pharmaceuticals

533

76,65

56,63

378

37,42

31,41

2

65

65

(d) Non-Edible Oils

32

5,60

4,79

18

4,00

3,43

-

-

-

(e) Other Chemicals & Chemical Products

1,306

247,91

143,36

1,084

127,42

112,55

9

35,17

8,21

11. Petroleum, Coal Products & Nuclear Fuels

39

112,09

9,32

18

2,42

2,16

-

-

-

12. Manufacture of Cement & Cement Products

1,314

59,40

32,29

840

25,89

21,08

1

49

49

13. Basic Metals & Metal Products

1,284

344,06

280,07

1,716

128,96

104,08

21

132,74

48,22

(a) Iron & Steel

122

282,04

235,12

112

44,40

37,90

7

13,05

5,33

(b) Non-Ferrous Metals

105

29,92

19,74

62

30,94

18,16

12

118,87

42,07

(c) Metal Products

1,057

32,10

25,21

1,542

53,62

48,02

2

82

82

14. Engineering

2,722

322,47

257,14

2,077

147,69

113,12

13

25,70

1,77

(a) Heavy Engineering

159

20,29

17,14

58

8,32

6,81

1

14,00

-

(b) Light Engineering

1,612

105,92

71,39

1,055

50,80

33,54

5

9,76

68

(c) Electrical Machinery & Goods

714

141,48

122,05

588

37,67

28,94

7

1,94

1,09

(d) Electronic Machinery & Goods

237

54,77

46,55

376

50,90

43,83

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

284

177,26

116,79

854

41,94

35,38

1

5,04

5,04

16. Other Industries

7,177

243,68

190,24

13,457

539,26

364,71

253

86,98

62,68

17. Electricity, Gas & Water

40

261,52

192,14

86

402,38

295,28

-

-

-

(a) Electricity Generation & Transmission

14

118,29

63,61

21

338,59

245,07

-

-

-

(b) Non-Conventional Energy

9

2,02

1,78

26

56,86

45,26

-

-

-

(c) Gas, Steam & Water Supply

17

141,21

126,75

39

6,93

4,95

-

-

-

18. Construction

4,357

638,36

377,80

6,777

861,68

593,37

18

2,44

2,34

(a) Other than Infrastructure

1,131

249,10

188,19

4,957

510,85

378,95

12

1,60

1,60

(b) Infrastructure Construction

3,226

389,27

189,61

1,820

350,83

214,42

6

84

74

III.

TRANSPORT OPERATORS

6,434

263,50

206,53

14,295

307,58

252,92

14

5,70

4,43

IV.

PROFESSIONAL AND OTHER SERVICES

21,844

1896,71

1317,60

76,930

2756,90

2013,37

371

81,56

77,60

1. Professional Services

4,461

140,39

109,32

20,343

393,25

305,46

154

16,32

16,32

2. Tourism, Hotel & Restaurants

2,134

534,20

372,22

3,699

606,44

397,53

16

3,34

3,34

3. Recreation services

2,346

126,43

78,70

881

87,28

79,65

6

1,35

1,35

4. IT and Telecommunications

138

17,43

13,79

165

19,54

15,61

11

2,58

2,58

5. Others

12,765

1078,26

743,56

51,842

1650,39

1215,13

184

57,98

54,02

V.

PERSONAL LOANS

9,30,334

18486,32

14561,04

5,00,918

10390,39

8962,26

8,922

268,24

197,00

1. Housing

2,28,397

10284,06

8139,77

1,79,696

6177,11

5544,99

1,074

158,57

133,87

2. Consumer Durables

10,730

58,79

45,75

19,422

157,72

127,02

1

1

1

3. Vehicles

65,226

1644,96

1245,36

34,890

574,17

481,54

38

24

5

4. Education

1,04,051

2359,33

1707,18

75,469

1435,24

1125,53

-

-

-

5. Personal Credit Cards

-

-

-

16,705

65,75

50,24

432

12,79

2,29

6. Others

5,21,930

4139,18

3422,98

1,74,736

1980,39

1632,94

7,377

96,63

60,77

VI.

TRADE

1,61,942

4638,47

3739,72

1,32,150

4322,07

3481,04

572

181,64

159,43

1. Wholesale Trade

7,712

1507,35

1225,89

8,163

1296,37

1053,99

266

89,35

79,89

2. Retail Trade

1,54,230

3131,12

2513,83

1,23,987

3025,70

2427,05

306

92,29

79,54

VII.

FINANCE

3,156

1020,42

914,95

4,065

977,72

651,66

38

10,78

10,78

VIII.

ALL OTHERS

43,138

780,07

705,32

1,57,682

1698,33

1237,43

49

21

20

TOTAL BANK CREDIT

15,02,288

37716,43

27822,30

17,45,727

31236,89

24638,29

10,343

945,38

625,22

TABLE NO. 5.6 – STATE AND BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT
OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2009

SOUTHERN REGION

STATE : KERALA

(Amount in Rupees Lakh)

OCCUPATION

REGIONAL RURAL BANKS

PRIVATE SECTOR BANKS

ALL SCHEDULED
COMMERCIAL BANKS

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

6,81,717

1863,25

1837,62

3,06,379

4797,38

3548,08

20,88,683

15377,53

12293,14

1. Direct Finance

6,79,611

1843,74

1821,16

2,97,783

3447,26

2741,23

20,44,931

11773,38

10109,92

2. Indirect Finance

2,106

19,51

16,46

8,596

1350,12

806,84

43,752

3604,15

2183,22

II.

INDUSTRY

23,817

144,57

129,88

26,011

7689,01

4392,75

1,44,745

20928,77

12207,73

1. Mining & Quarrying

-

-

-

170

103,54

88,96

508

203,24

165,88

2. Food Manufacturing & Processing

2,586

18,17

15,16

3,000

1270,33

660,92

19,988

5269,96

2169,78

(a) Rice Mills, Flour & Dal Mills

515

5,22

4,55

276

142,43

106,93

1,751

298,97

225,04

(b) Sugar

-

-

-

1

2,65

2,63

7

2,89

2,82

(c) Edible Oils & Vanaspati

3

3

3

172

82,21

59,25

1,159

203,76

154,15

(d) Tea Processing

1

1

1

31

36,18

33,53

239

175,91

142,10

(e) Processing of Fruits & Vegetables

4

19

15

28

8,10

7,88

228

56,17

38,92

(f) Others

2,063

12,72

10,42

2,492

998,76

450,70

16,604

4532,25

1606,76

3. Beverage & Tobacco

19

86

77

31

55,67

33,48

250

141,16

108,60

4. Textiles

5,609

16,17

13,66

2,336

333,98

248,50

24,955

1840,66

1344,19

(a) Cotton Textiles

3

14

11

590

141,26

109,11

1,524

805,05

565,51

(b) Jute & Other Natural Fibre Textiles

1

1

1

126

52,50

39,83

1,066

82,69

52,48

(c) Handloom Textiles & Khadi

153

45

41

67

3,83

3,10

2,064

75,59

61,70

(d) Other Textiles & Textile Products

5,452

15,57

13,12

1,553

136,39

96,46

20,301

877,33

664,50

5. Paper, Paper Products & Printing

263

3,60

3,25

757

232,59

123,41

4,931

979,16

524,52

6. Woods and Wood Products

1,729

10,10

8,54

1,430

89,10

66,98

9,641

303,88

247,10

7. Leather & Leather Products

84

50

41

190

20,03

17,03

1,189

40,66

33,67

8. Gems and Jewellery

377

2,42

1,96

246

87,79

82,34

1,698

177,54

164,13

9. Rubber & Plastic Products

165

3,03

2,91

867

943,32

498,74

4,719

1793,30

991,67

10. Chemicals & Chemical Products

223

2,13

1,81

539

192,42

127,65

4,310

1168,94

826,52

(a) Heavy Industrial Chemicals

-

-

-

26

12,64

3,16

115

96,49

81,35

(b) Fertilisers

-

-

-

21

3,71

1,90

118

359,43

259,72

(c) Drugs & Pharmaceuticals

110

1,20

1,02

123

36,29

29,96

1,146

152,21

119,68

(d) Non-Edible Oils

-

-

-

6

1,49

96

56

11,09

9,18

(e) Other Chemicals & Chemical Products

113

94

79

363

138,29

91,67

2,875

549,72

356,58

11. Petroleum, Coal Products & Nuclear Fuels

-

-

-

24

4,17

3,16

81

118,68

14,64

12. Manufacture of Cement & Cement Products

211

3,18

2,76

298

35,80

21,23

2,664

124,76

77,85

13. Basic Metals & Metal Products

628

5,85

5,01

592

681,17

115,56

4,241

1292,78

552,95

(a) Iron & Steel

-

-

-

87

64,76

45,87

328

404,25

324,22

(b) Non-Ferrous Metals

1

5

5

19

560,45

20,45

199

740,23

100,47

(c) Metal Products

627

5,80

4,96

486

55,96

49,24

3,714

148,30

128,25

14. Engineering

217

1,40

1,27

1,717

251,11

115,13

6,746

748,36

488,42

(a) Heavy Engineering

-

-

-

30

5,85

5,15

248

48,46

29,10

(b) Light Engineering

79

42

38

1,401

157,90

66,28

4,152

324,81

172,27

(c) Electrical Machinery & Goods

6

3

3

206

53,82

24,08

1,521

234,94

176,20

(d) Electronic Machinery & Goods

132

94

86

80

33,54

19,61

825

140,15

110,85

15. Vehicles, Vehicle Parts & Transport Equipments

84

19

15

195

24,92

19,96

1,418

249,36

177,33

16. Other Industries

9,741

32,34

28,69

9,848

1262,30

626,98

40,476

2164,56

1273,30

17. Electricity, Gas & Water

-

-

-

77

189,91

186,31

203

853,81

673,72

(a) Electricity Generation & Transmission

-

-

-

27

160,53

159,11

62

617,41

467,79

(b) Non-Conventional Energy

-

-

-

18

25,54

23,85

53

84,42

70,89

(c) Gas, Steam & Water Supply

-

-

-

32

3,84

3,35

88

151,98

135,05

18. Construction

1,881

44,63

43,52

3,694

1910,87

1356,41

16,727

3457,98

2373,45

(a) Other than Infrastructure

519

29,85

29,59

2,072

1125,35

857,19

8,691

1916,75

1455,51

(b) Infrastructure Construction

1,362

14,78

13,94

1,622

785,51

499,22

8,036

1541,22

917,93

III.

TRANSPORT OPERATORS

5,992

61,87

57,05

11,753

606,89

461,31

38,488

1245,54

982,24

IV.

PROFESSIONAL AND OTHER SERVICES

46,393

143,08

135,00

24,535

2376,38

1653,01

1,70,073

7254,62

5196,58

1. Professional Services

722

3,70

3,43

2,140

304,69

218,49

27,820

858,35

653,01

2. Tourism, Hotel & Restaurants

4,568

24,83

22,09

1,730

353,31

265,79

12,147

1522,11

1060,96

3. Recreation services

159

97

88

216

115,89

101,04

3,608

331,93

261,61

4. IT and Telecommunications

1

3

2

89

29,75

26,15

404

69,32

58,14

5. Others

40,943

113,55

108,59

20,360

1572,75

1041,55

1,26,094

4472,92

3162,85

V.

PERSONAL LOANS

2,70,142

1347,64

944,78

7,97,457

13081,22

9815,90

25,07,773

43573,81

34480,97

1. Housing

28,281

387,09

387,72

1,00,759

5471,87

4476,62

5,38,207

22478,70

18682,96

2. Consumer Durables

876

4,10

3,03

2,799

22,53

16,78

33,828

243,15

192,59

3. Vehicles

6,019

69,84

66,00

2,58,512

3366,12

1980,75

3,64,685

5655,33

3773,70

4. Education

12,338

117,66

132,35

15,933

361,59

243,15

2,07,791

4273,82

3208,22

5. Personal Credit Cards

-

-

-

1,787

59,61

23,07

18,924

138,16

75,60

6. Others

2,22,628

768,96

355,69

4,17,667

3799,49

3075,52

13,44,338

10784,65

8547,91

VI.

TRADE

1,37,510

639,47

571,90

45,389

4579,87

3136,21

4,77,563

14361,52

11088,30

1. Wholesale Trade

1,381

10,37

9,68

6,065

1997,99

1094,23

23,587

4901,43

3463,68

2. Retail Trade

1,36,129

629,10

562,22

39,324

2581,87

2041,98

4,53,976

9460,09

7624,63

VII.

FINANCE

2,667

43,24

34,75

7,241

2516,67

1920,66

17,167

4568,82

3532,80

VIII.

ALL OTHERS

14,429

98,64

73,16

1,00,793

1837,76

1558,28

3,16,091

4415,01

3574,38

TOTAL BANK CREDIT

11,82,667

4341,76

3784,14

13,19,558

37485,16

26486,20

57,60,583

111725,62

83356,15