NOTES ON TABLES
Table No. 1.1
Classification of bank offices according to population groups for the year 1969 is based on 1961 census. For the years 1997 to 2005, it is based on 1991 census. As such, the population group-wise classification of bank offices is not strictly comparable for all the years. The number of bank offices of scheduled commercial banks excludes the administrative offices. Population per office and per capita deposits and credit are based on estimated mid-year population figures supplied by the Office of the Registrar General, Government of India.
Deposits and credit of scheduled commercial banks in India are as per returns under Section 42(2) of the Reserve Bank of India Act, 1934 and relate to the last Friday of the reference period. Deposits are net of inter-bank deposits and credit is exclusive of dues from banks and bills rediscounted under the New Bill Market Scheme. Aggregate deposits for the years 1999 to 2003; include the proceeds of Resurgent India Bonds amounting to Rs. 17,945 crore. For the years 2001 to 2005, the proceeds of India Millennium Deposits amounting to Rs. 25,662 crore are included in aggregate deposits. The ratio of bank deposits to National Income for the years 1997 to 2005 is based on the new series of National Income with 1993-94 as the base year. For the year 1969, the base year is 1970-71.
Advances to Priority Sectors consist of the advances to (1) agriculture and allied activities, (2) small-scale industries including loans for setting up industrial estates, (3) small road and water transport operators, (4) small business, (5) professional and self-employed persons, (6) retail trade, (7) state sponsored organisations for scheduled castes/scheduled tribes, (8) education, (9) housing, (10) Self Help Groups (SHGs) / Non-Governmental Organisations (NGOs), (11) consumption loans granted under the consumption credit scheme, (12) net funds provided to sponsored Regional Rural Banks, (13) advances to software industry units having credit limit up to Rs. 1 crore, (14) advances to food and agro-based processing sector which do not satisfy Small Scale Industry norms, (15) Credit offered to weaker sections under different schemes and (16) investment in venture capital. With effect from July 1993, the Priority Sector Advances in respect of Foreign Banks operating in India include export credit provided by them. Scheduled commercial banks’ advances to Priority Sectors and the related ratios are exclusive of Regional Rural Banks. Due to change in the definition of the Priority Sectors from time to time, the data are not strictly comparable for the entire time span. Investments for the purpose of calculation of Investment-Deposit ratio pertain to investments in Government and Other Approved Securities.
For working out Cash-Deposit ratio, Cash includes, cash in hand and balances with Reserve Bank of India.
Table No. 1.2
Figures relate to the banked centres served by scheduled commercial banks only. Classification of Population Groups is based on 1991 census.
Table Nos. 1.13 to 1.15, 4.1 to 4.6 and 5.1 to 5.3
Data on outstanding credit of scheduled commercial banks in these tables relate to accounts, each with credit limit of over Rs. 2 Lakh. For Table Nos. 4.1 to 4.3, 4.6 and 5.3 the data are exclusive of Inland & Foreign Bills purchased and discounted. For Table No. 5.2, the total amount includes figures for Foreign Governments/Banks.
Table Nos. 1.16 and 1.17 and 5.8
Data relate to accounts with credit limits of Rs. 2 lakh and less. Data on gender-wise classification of outstanding credit of small borrowal accounts in Table No. 1.16 is based on the data reported by 60,221 branches under BSR-1B return.
Table Nos. 1.21 to 1.24 and 3.4
For Table Nos. 1.21 to 1.24 and 3.4, ‘Individuals’ include Hindu Undivided Families. In the case of joint accounts under Individuals, the gender of the first account holder is considered for classifying the account under Male / Female category. The category ‘Others’ includes Government Sector, Corporate Sector (Non-Financial & Financial excluding Banks) and Other Institutions.
Table No. 1.27
Data on residual maturity of term deposits have been collected from computerised branches of scheduled commercial banks, except regional rural banks. This table is based on the data reported by 31,537 branches.
Table No. 1.28
Data on interest rate range-wise distribution of term deposits have not been uniformly reported by all the branches, which have submitted BSR-2 return. This table is compiled on the basis of data reported by 57,938 branches.
Table No. 1.29
Data on size of deposits for term deposits have not been uniformly reported by all the branches, which have submitted BSR-2 return. This table is compiled on the basis of data reported by 54,849 branches.
Tables on credit based on Place of Sanction
Table Nos. 1.3, 1.5, 1.16, 1.17, 2.1, 2.2, 2.3 & 2.4 are based on place of sanction of credit.
Tables on credit based on Place of Utilisation
Table Nos. 1.10, 1.11, 4.8, 4.9, 4.10, 5.5, 5.6, 5.7, 5.9 are based on place of utilisation of credit.
Tables on credit based on Place of Sanction as well as utilisation
Table Nos. 1.6 to 1.8 present the data on credit according to both the place of sanction and the place of utilisation.
Tables on maturity pattern of term deposit
Table Nos. 1.24 to 1.26 and 3.4 & 3.5 present the data on term deposits according to original maturity. Table No. 1.27 gives percentage distribution of term deposits as per the residual maturity.
ANNEXURE
BASIC STATISTICAL RETURNS-1 AND 2 OF SCHEDULED COMMERCIAL BANKS IN INDIA –March, 2004, Volume 33
Some tables, viz. 1.13, 4.1, 4.2, 4.3 and 5.3 published in BSR Volume 33, March 2004 have been updated / revised. These updated / revised tables are presented in this annexure
TABLE NO.1.13 – OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS |
ACCORDING TO INTEREST RATE RANGE |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
No. of Accounts |
Credit Limit |
Amount Outstanding |
RATE OF INTEREST |
|
|
|
|
1 |
2 |
3 |
|
|
|
|
Less than 6% |
62,232 |
2702,13 |
2608,71 |
|
(1.4) |
(0.3) |
(0.4) |
6% and above but less than 10% |
6,69,596 |
113153,65 |
89213,91 |
|
(15.2) |
(13.3) |
(13.6) |
10% and above but less than 12% |
11,17,475 |
163942,35 |
120994,68 |
|
(25.3) |
(19.3) |
(18.4) |
12% and above but less than 13% |
4,97,268 |
97332,85 |
70084,84 |
|
(11.3) |
(11.5) |
(10.7) |
13% and above but less than 14% |
4,28,272 |
122500,28 |
98723,06 |
|
(9.7) |
(14.4) |
(15.0) |
14% and above but less than 15% |
3,46,952 |
136967,19 |
109997,14 |
|
(7.9) |
(16.1) |
(16.7) |
15% and above but less than 16% |
6,87,468 |
73580,85 |
58990,96 |
|
(15.6) |
(8.7) |
(9.0) |
16% and above but less than 17% |
1,14,705 |
89662,21 |
68798,54 |
|
(2.6) |
(10.6) |
(10.5) |
17% and above but less than 18% |
1,16,167 |
11945,45 |
9511,19 |
|
(2.6) |
(1.4) |
(1.4) |
18% and above but less than 20% |
2,79,694 |
27861,99 |
23763,05 |
|
(6.3) |
(3.3) |
(3.6) |
20% and above |
97,075 |
8618,39 |
5152,19 |
|
(2.2) |
(1.0) |
(0.8) |
Total Loans & Advances |
44,16,904 |
848267,35 |
657838,26 |
|
(100.0) |
(100.0) |
(100.0) |
Inland & Foreign Bills Purchased / Discounted |
73,548 |
104185,23 |
59773,95 |
TOTAL |
44,90,452 |
952452,58 |
717612,22 |
TABLE NO. 4.1 – SIZE OF CREDIT LIMIT AND INTEREST RATE RANGE-WISE CLASSIFICATION OF |
OUTSTANDING LOANS AND ADVANCES OF SCHEDULED COMMERCIAL BANKS |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
|
6% AND ABOVE BUT |
10% AND ABOVE BUT |
|
|
LESS THAN 6% |
|
|
|
|
|
|
|
|
|
|
|
LESS THAN 10% |
|
LESS THAN 12% |
CREDIT LIMIT RANGE |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
standing |
|
|
standing |
|
|
standing |
|
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
Above Rs. 2 Lakh and upto Rs.5 Lakh |
53,724 |
1839,59 |
1804,48 |
4,64,808 |
15688,87 |
13877,69 |
7,98,717 |
26003,10 |
21801,61 |
Above Rs. 5 Lakh and upto Rs.10 Lakh |
7,931 |
546,14 |
538,10 |
1,49,754 |
10901,11 |
9582,57 |
1,93,440 |
14364,54 |
11980,46 |
Above Rs. 10 Lakh and upto Rs.25 Lakh |
406 |
60,31 |
54,16 |
41,205 |
6322,94 |
5217,24 |
87,001 |
13856,68 |
11280,04 |
Above Rs. 25 Lakh and upto Rs.50 Lakh |
111 |
39,84 |
17,91 |
6,665 |
2438,30 |
1879,69 |
18,700 |
6785,21 |
5333,65 |
Above Rs. 50 Lakh and upto Rs.1 Crore |
19 |
13,33 |
6,86 |
3,049 |
2278,42 |
1641,43 |
8,322 |
6204,28 |
4519,55 |
Above Rs. 1 Crore and upto Rs.4 Crore |
25 |
53,72 |
44,20 |
2,610 |
5390,36 |
4030,35 |
6,955 |
14525,97 |
10605,03 |
Above Rs. 4 Crore and upto Rs.6 Crore |
7 |
34,42 |
32,78 |
428 |
2169,34 |
1706,40 |
1,298 |
6518,01 |
4684,60 |
Above Rs. 6 Crore and upto Rs.10 Crore |
5 |
41,03 |
40,63 |
429 |
3446,56 |
2602,87 |
1,141 |
9355,68 |
6527,69 |
Above Rs. 10 Crore and upto Rs.25 Crore |
4 |
73,74 |
69,60 |
394 |
6331,16 |
4574,53 |
1,169 |
19046,52 |
13676,70 |
Above Rs. 25 Crore |
– |
– |
– |
254 |
58186,59 |
44101,13 |
732 |
47282,38 |
30585,35 |
TOTAL LOANS & ADVANCES |
62,232 |
2702,13 |
2608,71 |
6,69,596 |
113153,65 |
89213,91 |
11,17,475 |
163942,35 |
120994,68 |
|
12% AND ABOVE BUT |
13% AND ABOVE BUT |
14% AND ABOVE BUT |
|
|
LESS THAN 13% |
|
LESS THAN 14% |
|
LESS THAN 15% |
CREDIT LIMIT RANGE |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
standing |
|
|
standing |
|
|
standing |
|
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
|
|
|
|
|
|
|
|
|
|
Above Rs. 2 Lakh and upto Rs.5 Lakh |
3,41,997 |
10834,94 |
8919,02 |
2,98,991 |
9652,85 |
7972,20 |
2,22,392 |
7222,36 |
5837,18 |
Above Rs. 5 Lakh and upto Rs.10 Lakh |
78,618 |
5909,07 |
4690,57 |
68,795 |
5266,44 |
4218,53 |
58,476 |
4504,36 |
3591,58 |
Above Rs. 10 Lakh and upto Rs.25 Lakh |
41,812 |
7049,23 |
5535,79 |
34,257 |
5809,92 |
4693,01 |
32,719 |
5580,09 |
4545,58 |
Above Rs. 25 Lakh and upto Rs.50 Lakh |
16,594 |
6222,39 |
4831,87 |
12,603 |
4720,52 |
3764,63 |
13,582 |
5063,43 |
4082,02 |
Above Rs. 50 Lakh and upto Rs.1 Crore |
8,597 |
6465,97 |
4922,07 |
6,153 |
4649,66 |
3635,98 |
7,572 |
5721,34 |
4535,74 |
Above Rs. 1 Crore and upto Rs.4 Crore |
6,778 |
13888,44 |
10456,80 |
4,980 |
10009,65 |
7678,32 |
7,273 |
15060,63 |
12228,69 |
Above Rs. 4 Crore and upto Rs.6 Crore |
1,088 |
5411,56 |
3900,76 |
730 |
3640,65 |
2720,43 |
1,516 |
7560,88 |
6265,97 |
Above Rs. 6 Crore and upto Rs.10 Crore |
802 |
6492,48 |
4568,84 |
557 |
4556,36 |
3490,71 |
1,346 |
11086,65 |
9163,45 |
Above Rs. 10 Crore and upto Rs.25 Crore |
644 |
10371,22 |
7272,88 |
562 |
9457,45 |
7258,08 |
1,296 |
21252,65 |
17585,94 |
Above Rs. 25 Crore |
338 |
24687,55 |
14986,25 |
644 |
64736,78 |
53291,18 |
780 |
53914,79 |
42160,99 |
TOTAL LOANS & ADVANCES |
4,97,268 |
97332,85 |
70084,84 |
4,28,272 |
122500,28 |
98723,06 |
3,46,952 |
136967,19 |
109997,14 |
TABLE NO. 4.1 – SIZE OF CREDIT LIMIT AND INTEREST RATE RANGE-WISE CLASSIFICATION OF |
OUTSTANDING LOANS AND ADVANCES OF SCHEDULED COMMERCIAL BANKS |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
15% AND ABOVE BUT |
16% AND ABOVE BUT |
17% AND ABOVE BUT |
|
LESS THAN 16% |
LESS THAN 17% |
LESS THAN 18% |
|
|
|
|
|
|
|
|
|
|
CREDIT LIMIT RANGE |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
standing |
|
|
standing |
|
|
standing |
|
|
|
|
|
|
|
|
|
|
|
19 |
20 |
21 |
22 |
23 |
24 |
25 |
26 |
27 |
Above Rs. 2 Lakh and upto Rs.5 Lakh |
5,23,808 |
16777,49 |
13501,59 |
64,002 |
2055,44 |
1586,20 |
75,053 |
2339,84 |
1861,98 |
Above Rs. 5 Lakh and upto Rs.10 Lakh |
1,03,731 |
7565,29 |
6089,16 |
19,866 |
1506,65 |
1190,96 |
22,557 |
1662,04 |
1421,40 |
Above Rs. 10 Lakh and upto Rs.25 Lakh |
38,982 |
6267,41 |
4908,47 |
11,522 |
1925,60 |
1490,80 |
15,881 |
2533,86 |
2138,63 |
Above Rs. 25 Lakh and upto Rs.50 Lakh |
11,415 |
4166,65 |
3302,17 |
8,322 |
2996,07 |
2431,10 |
1,201 |
437,85 |
344,01 |
Above Rs. 50 Lakh and upto Rs.1 Crore |
4,146 |
3085,34 |
2445,83 |
3,894 |
2909,71 |
2295,60 |
590 |
429,30 |
323,64 |
Above Rs. 1 Crore and upto Rs.4 Crore |
3,629 |
7439,00 |
6163,08 |
3,923 |
8313,65 |
6528,46 |
623 |
1277,36 |
1038,99 |
Above Rs. 4 Crore and upto Rs.6 Crore |
604 |
2993,98 |
2515,11 |
861 |
4303,20 |
3453,99 |
121 |
589,29 |
468,09 |
Above Rs. 6 Crore and upto Rs.10 Crore |
520 |
4177,34 |
3487,85 |
824 |
6840,53 |
5396,30 |
58 |
450,14 |
323,31 |
Above Rs. 10 Crore and upto Rs.25 Crore |
397 |
6338,80 |
5350,00 |
881 |
14884,37 |
11509,37 |
60 |
916,45 |
657,25 |
Above Rs. 25 Crore |
236 |
14769,56 |
11227,69 |
610 |
43927,00 |
32915,75 |
23 |
1309,33 |
933,88 |
TOTAL LOANS & ADVANCES |
6,87,468 |
73580,85 |
58990,96 |
1,14,705 |
89662,21 |
68798,54 |
1,16,167 |
11945,45 |
9511,19 |
|
18% AND ABOVE BUT LESS THAN 20% |
20% AND ABOVE |
TOTAL |
CREDIT LIMIT RANGE |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
standing |
|
|
standing |
|
|
standing |
|
28 |
29 |
30 |
31 |
32 |
33 |
34 |
35 |
36 |
Above Rs. 2 Lakh and upto Rs.5 Lakh |
1,69,875 |
5648,72 |
4874,63 |
89,159 |
2435,72 |
638,00 |
31,02,526 |
100498,92 |
82674,59 |
Above Rs. 5 Lakh and upto Rs.10 Lakh |
77,275 |
5688,95 |
5038,67 |
4,149 |
302,61 |
213,09 |
7,84,592 |
58217,21 |
48555,09 |
Above Rs. 10 Lakh and upto Rs.25 Lakh |
26,291 |
4043,71 |
3377,91 |
1,699 |
275,81 |
239,23 |
3,31,775 |
53725,55 |
43480,86 |
Above Rs. 25 Lakh and upto Rs.50 Lakh |
2,750 |
1003,05 |
800,46 |
693 |
250,91 |
217,98 |
92,636 |
34124,22 |
27005,48 |
Above Rs. 50 Lakh and upto Rs.1 Crore |
1,410 |
1055,80 |
862,18 |
469 |
355,82 |
299,32 |
44,221 |
33168,97 |
25488,19 |
Above Rs. 1 Crore and upto Rs.4 Crore |
1,446 |
2880,73 |
2462,75 |
568 |
1133,80 |
858,89 |
38,810 |
79973,31 |
62095,56 |
Above Rs. 4 Crore and upto Rs.6 Crore |
253 |
1262,83 |
1079,52 |
130 |
633,83 |
445,78 |
7,036 |
35117,99 |
27273,45 |
Above Rs. 6 Crore and upto Rs.10 Crore |
211 |
1743,85 |
1476,74 |
96 |
758,92 |
540,24 |
5,989 |
48949,54 |
37618,63 |
Above Rs. 10 Crore and upto Rs.25 Crore |
125 |
1930,31 |
1587,82 |
86 |
1299,25 |
918,44 |
5,618 |
91901,91 |
70460,60 |
Above Rs. 25 Crore |
58 |
2604,04 |
2202,37 |
26 |
1171,72 |
781,23 |
3,701 |
312589,74 |
233185,82 |
TOTAL LOANS & ADVANCES |
2,79,694 |
27861,99 |
23763,05 |
97,075 |
8618,39 |
5152,19 |
44,16,904 |
848267,35 |
657838,26 |
TABLE NO. 4.2 – INTEREST RATE RANGE AND TYPE OF ACCOUNT-WISE CLASSIFICATION OF |
OUTSTANDING LOANS AND ADVANCES OF SCHEDULED COMMERCIAL BANKS |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
CASH CREDIT |
|
OVERDRAFTS |
|
DEMAND LOANS |
|
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
INTEREST RATE RANGE |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
|
standing |
|
|
standing |
|
|
standing |
|
|
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
|
|
|
|
|
|
|
|
|
|
|
Less than 6% |
|
7 |
16,56 |
16,18 |
35 |
51,16 |
35,94 |
113 |
86,69 |
85,16 |
6% and above |
but less than 10% |
11,717 |
51365,62 |
38909,39 |
13,393 |
2579,92 |
1624,59 |
20,801 |
2742,38 |
2304,37 |
10% and above |
but less than 12% |
1,76,527 |
42542,73 |
23294,62 |
28,826 |
6539,30 |
3790,62 |
57,082 |
9841,23 |
8409,78 |
12% and above |
but less than 13% |
1,02,548 |
37571,07 |
22939,56 |
47,864 |
9338,40 |
6252,42 |
49,529 |
8117,07 |
6757,56 |
13% and above |
but less than 14% |
99,905 |
27486,57 |
18774,31 |
33,703 |
8565,58 |
6519,33 |
65,267 |
18808,33 |
16855,40 |
14% and above |
but less than 15% |
89,756 |
35080,52 |
24152,21 |
38,812 |
8613,59 |
6002,78 |
47,791 |
31051,61 |
27808,11 |
15% and above |
but less than 16% |
58,302 |
15356,25 |
11737,32 |
1,07,608 |
8986,13 |
6098,66 |
91,771 |
10742,40 |
9766,69 |
16% and above |
but less than 17% |
22,541 |
10835,51 |
6917,16 |
13,265 |
5837,74 |
4018,65 |
15,550 |
15988,65 |
13277,40 |
17% and above |
but less than 18% |
5,075 |
2431,30 |
1676,47 |
17,451 |
1499,62 |
985,18 |
4,810 |
1106,16 |
976,45 |
18% and above |
but less than 20% |
7,249 |
2354,88 |
1844,64 |
18,319 |
3442,60 |
2464,25 |
46,701 |
5272,01 |
4855,36 |
20% and above |
|
1,745 |
987,83 |
718,80 |
1,306 |
405,88 |
361,61 |
49,617 |
2117,90 |
728,68 |
TOTAL LOANS & ADVANCES |
5,75,372 |
226028,85 |
150980,66 |
3,20,582 |
55859,92 |
38154,04 |
4,49,032 |
105874,41 |
91824,97 |
|
|
MEDIUM TERM LOANS |
LONG TERM LOANS |
PACKING CREDIT |
|
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
INTEREST RATE RANGE |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
|
standing |
|
|
standing |
|
|
standing |
|
|
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
|
|
|
|
|
|
|
|
|
|
|
Less than 6% |
|
19 |
12,03 |
11,59 |
62,058 |
2535,70 |
2459,83 |
– |
– |
– |
6% and above |
but less than 10% |
14,345 |
3333,83 |
2917,13 |
6,00,578 |
37887,70 |
33325,78 |
8,762 |
15244,19 |
10132,65 |
10% and above |
but less than 12% |
68,570 |
14562,26 |
11340,03 |
7,80,296 |
74898,07 |
61987,29 |
6,174 |
15558,76 |
12172,33 |
12% and above |
but less than 13% |
68,892 |
9021,34 |
6795,25 |
2,27,750 |
32812,82 |
26989,06 |
685 |
472,15 |
350,98 |
13% and above |
but less than 14% |
57,522 |
17178,10 |
14713,37 |
1,71,473 |
50189,26 |
41668,58 |
402 |
272,44 |
192,07 |
14% and above |
but less than 15% |
44,163 |
18822,38 |
16027,09 |
1,25,502 |
42258,45 |
35324,63 |
928 |
1140,64 |
682,33 |
15% and above |
but less than 16% |
1,63,101 |
11492,25 |
9378,60 |
2,66,072 |
25556,58 |
21046,62 |
614 |
1447,25 |
963,06 |
16% and above |
but less than 17% |
18,511 |
13054,94 |
10969,70 |
39,622 |
35105,18 |
27357,88 |
5,216 |
8840,18 |
6257,74 |
17% and above |
but less than 18% |
30,355 |
1497,30 |
1215,04 |
58,195 |
5257,41 |
4533,61 |
281 |
153,66 |
124,44 |
18% and above |
but less than 20% |
65,351 |
4618,39 |
4142,91 |
1,41,941 |
12093,30 |
10385,22 |
133 |
80,82 |
70,68 |
20% and above |
|
14,131 |
1163,68 |
905,38 |
30,276 |
3943,10 |
2437,72 |
– |
– |
– |
TOTAL LOANS & ADVANCES |
5,44,960 |
94756,51 |
78416,09 |
25,03,763 |
322537,57 |
267516,22 |
23,195 |
43210,09 |
30946,28 |
TABLE NO. 4.3 – INTEREST RATE RANGE AND ORGANISATION-WISE CLASSIFICATION OF |
OUTSTANDING LOANS AND ADVANCES OF SCHEDULED COMMERCIAL BANKS |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
PUBLIC SECTOR |
CO-OPERATIVE |
SECTOR |
PRIVATE CORPORATE SECTOR |
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
INTEREST RATE RANGE |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
standing |
|
|
standing |
|
|
standing |
|
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
Less than 6% |
104 |
45,93 |
45,57 |
167 |
50,09 |
21,69 |
8 |
14,63 |
13,24 |
6% and above but less than 10% |
3,162 |
48877,73 |
37786,24 |
9,265 |
7370,27 |
5540,43 |
5,185 |
12793,05 |
9550,97 |
10% and above but less than 12% |
4,817 |
16712,32 |
11317,72 |
20,910 |
6739,69 |
5197,89 |
29,816 |
68439,59 |
46933,93 |
12% and above but less than 13% |
2,720 |
10187,99 |
4784,26 |
6,570 |
4443,49 |
3488,22 |
28,592 |
46039,15 |
33423,37 |
13% and above but less than 14% |
3,770 |
56606,07 |
47646,43 |
5,971 |
2539,88 |
2479,40 |
21,731 |
33821,34 |
24981,69 |
14% and above but less than 15% |
2,100 |
2261,70 |
1488,87 |
4,615 |
1160,37 |
959,91 |
27,326 |
97070,33 |
78317,39 |
15% and above but less than 16% |
2,420 |
3660,79 |
2917,61 |
3,010 |
1280,33 |
1114,12 |
15,071 |
29039,53 |
23340,17 |
16% and above but less than 17% |
2,119 |
11828,63 |
9239,78 |
6,176 |
5267,31 |
3903,93 |
17,246 |
61387,09 |
47451,51 |
17% and above but less than 18% |
178 |
77,49 |
69,28 |
318 |
214,04 |
155,24 |
2,507 |
4245,21 |
3171,75 |
18% and above but less than 20% |
198 |
161,48 |
99,19 |
1,393 |
244,80 |
216,37 |
3,526 |
6121,58 |
5013,76 |
20% and above |
73 |
95,76 |
80,45 |
190 |
62,74 |
39,49 |
3,160 |
4762,61 |
3330,41 |
TOTAL LOANS & ADVANCES |
21,661 |
150515,88 |
115475,41 |
58,585 |
29373,00 |
23116,69 |
1,54,168 |
363734,10 |
275528,20 |
|
PRIVATE SECTOR - OTHERS |
JOINT SECTOR UNDERTAKINGS |
|
INDIVIDUALS |
|
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
INTEREST RATE RANGE |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
Accounts |
Limit |
Out- |
|
|
|
standing |
|
|
standing |
|
|
standing |
|
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
|
|
|
|
|
|
|
|
|
|
Less than 6% |
102 |
148,37 |
132,42 |
– |
– |
– |
61,851 |
2443,13 |
2395,80 |
6% and above but less than 10% |
29,204 |
12447,14 |
8520,20 |
202 |
670,54 |
487,01 |
6,22,574 |
30992,69 |
27328,90 |
10% and above but less than 12% |
1,88,439 |
29306,00 |
21818,97 |
740 |
792,13 |
324,72 |
8,72,730 |
41950,80 |
35400,39 |
12% and above but less than 13% |
1,11,321 |
19460,61 |
14830,77 |
431 |
747,38 |
372,96 |
3,47,611 |
16450,86 |
13183,70 |
13% and above but less than 14% |
1,19,982 |
17081,22 |
13474,63 |
329 |
252,23 |
200,33 |
2,76,477 |
12198,64 |
9939,77 |
14% and above but less than 15% |
1,24,483 |
26657,18 |
21281,26 |
378 |
1053,37 |
929,62 |
1,88,021 |
8751,71 |
7011,01 |
15% and above but less than 16% |
72,433 |
12280,87 |
10008,18 |
240 |
403,34 |
300,69 |
5,94,164 |
26874,79 |
21274,01 |
16% and above but less than 17% |
31,578 |
7611,21 |
5506,35 |
164 |
452,33 |
435,83 |
57,397 |
2943,10 |
2166,47 |
17% and above but less than 18% |
8,043 |
1290,95 |
1072,81 |
34 |
27,38 |
12,04 |
1,05,086 |
6089,93 |
5030,07 |
18% and above but less than 20% |
27,671 |
6995,05 |
6077,31 |
27 |
125,01 |
91,84 |
2,46,875 |
14213,95 |
12264,48 |
20% and above |
5,591 |
977,95 |
864,11 |
45 |
60,58 |
27,68 |
88,015 |
2658,68 |
809,97 |
TOTAL LOANS & ADVANCES |
7,18,847 |
134256,56 |
103587,00 |
2,590 |
4584,29 |
3182,71 |
34,60,801 |
165568,27 |
136804,57 |
TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND |
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
|
LESS THAN 6% |
6% AND ABOVE BUT LESS THAN 10% |
OCCUPATION |
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
|
|
|
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1 |
2 |
3 |
4 |
5 |
6 |
I. |
AGRICULTURE |
96 |
31,20 |
29,43 |
38,556 |
4430,66 |
2723,80 |
|
1. Direct Finance |
56 |
2,63 |
2,64 |
34,726 |
2378,25 |
1539,52 |
|
2. Indirect Finance |
40 |
28,56 |
26,79 |
3,830 |
2052,40 |
1184,29 |
II. |
INDUSTRY |
93 |
110,68 |
99,65 |
38,954 |
18441,58 |
13544,63 |
|
1. |
Mining & Quarrying |
– |
– |
– |
606 |
598,97 |
498,10 |
|
2. |
Food Manufacturing & Processing |
– |
– |
– |
1,584 |
1921,08 |
1325,77 |
|
|
(a) |
Rice Mills, Flour & Dal Mills |
– |
– |
– |
678 |
616,78 |
470,32 |
|
|
(b) |
Sugar |
– |
– |
– |
12 |
121,13 |
18,91 |
|
|
(c) |
Edible Oils & Vanaspati |
– |
– |
– |
107 |
198,30 |
129,22 |
|
|
(d) |
Tea Processing |
– |
– |
– |
59 |
59,09 |
47,37 |
|
|
(e) |
Processing of Fruits & Vegetables |
– |
– |
– |
64 |
51,42 |
42,57 |
|
|
(f) |
Others |
– |
– |
– |
664 |
874,36 |
617,38 |
|
3. |
Beverage & Tobacco |
– |
– |
– |
74 |
276,27 |
196,51 |
|
4. |
Textiles |
5 |
13,51 |
7,50 |
3,936 |
4280,40 |
2945,53 |
|
|
(a) |
Cotton Textiles |
2 |
7,50 |
7,50 |
899 |
1520,73 |
954,09 |
|
|
(b) |
Jute & Other Natural Fibre Textiles |
– |
– |
– |
69 |
62,59 |
46,60 |
|
|
(c) |
Handloom Textiles & Khadi |
3 |
6,01 |
– |
174 |
108,74 |
102,57 |
|
|
(d) |
Other Textiles & Textile Products |
– |
– |
– |
2,794 |
2588,35 |
1842,26 |
|
5. |
Paper, Paper Products & Printing |
1 |
20,74 |
16,59 |
338 |
236,63 |
190,66 |
|
6. |
Leather & Leather Products |
– |
– |
– |
649 |
670,65 |
533,41 |
|
7. |
Rubber & Plastic Products |
4 |
26,00 |
26,00 |
447 |
367,13 |
305,54 |
|
8. |
Chemicals & Chemical Products |
1 |
4,95 |
4,95 |
940 |
1847,53 |
1272,06 |
|
|
(a) |
Heavy Industrial Chemicals |
1 |
4,95 |
4,95 |
195 |
518,69 |
296,06 |
|
|
(b) |
Fertilisers |
– |
– |
– |
21 |
130,53 |
107,73 |
|
|
(c) |
Drugs & Pharmaceuticals |
– |
– |
– |
240 |
636,57 |
499,88 |
|
|
(d) |
Non-Edible Oils |
– |
– |
– |
21 |
48,80 |
38,90 |
|
|
(e) |
Other Chemicals & Chemical Products |
– |
– |
– |
463 |
512,95 |
329,49 |
|
9. |
Petroleum, Coal Products & Nuclear Fuels |
– |
– |
– |
35 |
33,62 |
29,41 |
|
10. |
Manufacture of Cement & Cement Products |
– |
– |
– |
98 |
97,08 |
76,05 |
|
11. |
Basic Metals & Metal Products |
– |
– |
– |
1,286 |
1029,47 |
825,26 |
|
|
(a) |
Iron & Steel |
– |
– |
– |
350 |
456,66 |
334,01 |
|
|
(b) |
Non-Ferrous Metals |
– |
– |
– |
170 |
301,65 |
276,42 |
|
|
(c) |
Metal Products |
– |
– |
– |
766 |
271,16 |
214,83 |
|
12. |
Engineering |
– |
– |
– |
1,152 |
767,55 |
490,17 |
|
|
(a) |
Heavy Engineering |
– |
– |
– |
281 |
119,51 |
90,71 |
|
|
(b) |
Light Engineering |
– |
– |
– |
483 |
348,42 |
195,13 |
|
|
(c) |
Electrical Machinery & Goods |
– |
– |
– |
269 |
207,76 |
139,72 |
|
|
(d) |
Electronic Machinery & Goods |
– |
– |
– |
119 |
91,87 |
64,61 |
|
13. |
Vehicles, Vehicle Parts & Transport Equipments |
– |
– |
– |
417 |
421,36 |
323,12 |
|
14. |
Other Industries |
45 |
21,05 |
20,25 |
3,397 |
2886,88 |
1912,92 |
|
15. |
Electricity, Gas & Water |
4 |
5,36 |
5,36 |
115 |
763,17 |
652,28 |
|
|
(a) |
Electricity Generation & Transmission |
4 |
5,36 |
5,36 |
53 |
641,90 |
583,90 |
|
|
(b) |
Non-Conventional Energy |
– |
– |
– |
23 |
17,85 |
17,68 |
|
|
(c) |
Gas, Steam & Water Supply |
– |
– |
– |
39 |
103,42 |
50,69 |
|
16. |
Construction |
33 |
19,07 |
19,00 |
23,880 |
2243,77 |
1967,85 |
III. |
TRANSPORT OPERATORS |
2 |
5 |
5 |
1,672 |
252,44 |
187,11 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
16 |
25,31 |
22,98 |
10,994 |
2368,47 |
1848,67 |
V. |
PERSONAL LOANS |
61,920 |
2488,98 |
2414,03 |
5,41,842 |
29649,43 |
26320,43 |
|
1. |
Loans for Purchase of Consumer Durables |
– |
– |
– |
– |
– |
– |
|
2. |
Loans for Housing |
57,266 |
2336,55 |
2267,28 |
5,31,808 |
29319,41 |
26040,38 |
|
3. |
Rest of the Personal Loans |
4,654 |
152,42 |
146,75 |
10,034 |
330,02 |
280,05 |
VI. |
TRADE |
|
14 |
5,88 |
5,27 |
12,974 |
51576,78 |
39434,42 |
|
1. |
Wholesale Trade |
10 |
2,94 |
2,94 |
3,932 |
49943,22 |
38400,69 |
|
2. |
Retail Trade |
4 |
2,94 |
2,33 |
9,042 |
1633,56 |
1033,73 |
VII. |
FINANCE |
|
47 |
3,13 |
3,19 |
1,529 |
3609,00 |
3009,04 |
VIII. |
ALL OTHERS |
44 |
36,91 |
34,11 |
23,075 |
2825,29 |
2145,80 |
TOTAL LOANS AND ADVANCES |
62,232 |
2702,13 |
2608,71 |
6,69,596 |
113153,65 |
89213,91 |
OF WHICH:
1. Artisans and Village & Tiny Industries |
44 |
2,05 |
1,25 |
2,008 |
196,00 |
155,51 |
2. Other Small Scale Industries |
3 |
6,01 |
– |
5,773 |
3795,68 |
2685,72 |
TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND |
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
|
10% AND ABOVE BUT LESS THAN 12% |
12% AND ABOVE
BUT LESS THAN 13% |
OCCUPATION |
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
|
|
|
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7 |
8 |
9 |
10 |
11 |
12 |
I. |
AGRICULTURE |
2,22,559 |
14434,98 |
11653,52 |
1,01,969 |
8229,00 |
6556,10 |
|
1. |
Direct Finance |
2,06,386 |
8371,99 |
6942,65 |
93,126 |
4831,33 |
3883,30 |
|
2. |
Indirect Finance |
16,173 |
6062,98 |
4710,87 |
8,843 |
3397,67 |
2672,80 |
II. |
INDUSTRY |
1,12,083 |
75342,54 |
50672,09 |
69,640 |
52299,75 |
35028,53 |
|
1. |
Mining & Quarrying |
3,094 |
2636,42 |
1431,39 |
1,596 |
4999,56 |
752,63 |
|
2. |
Food Manufacturing & Processing |
14,953 |
8727,75 |
5682,94 |
8,570 |
5994,02 |
4117,57 |
|
|
(a) |
Rice Mills, Flour & Dal Mills |
7,062 |
2375,47 |
1666,46 |
3,595 |
1236,70 |
777,25 |
|
|
(b) |
Sugar |
242 |
1998,31 |
1157,06 |
226 |
2013,09 |
1254,95 |
|
|
(c) |
Edible Oils & Vanaspati |
1,213 |
691,83 |
528,66 |
850 |
723,43 |
533,56 |
|
|
(d) |
Tea Processing |
439 |
810,86 |
558,35 |
497 |
462,78 |
354,78 |
|
|
(e) |
Processing of Fruits & Vegetables |
325 |
82,15 |
58,77 |
231 |
58,15 |
45,61 |
|
|
(f) |
Others |
5,672 |
2769,14 |
1713,63 |
3,171 |
1499,86 |
1151,43 |
|
3. |
Beverage & Tobacco |
786 |
830,66 |
641,10 |
646 |
480,25 |
331,27 |
|
4. |
Textiles |
17,423 |
9994,23 |
6978,64 |
10,139 |
6027,11 |
4540,23 |
|
|
(a) |
Cotton Textiles |
5,354 |
4129,94 |
2962,27 |
3,381 |
2925,86 |
2328,42 |
|
|
(b) |
Jute & Other Natural Fibre Textiles |
380 |
239,95 |
108,20 |
182 |
111,19 |
75,87 |
|
|
(c) |
Handloom Textile & Khadi |
1,532 |
385,48 |
266,67 |
557 |
89,36 |
74,90 |
|
|
(d) |
Other Textiles & Textiles Products |
10,157 |
5238,86 |
3641,51 |
6,019 |
2900,70 |
2061,04 |
|
5. |
Paper, Paper Products & Printing |
4,933 |
2096,38 |
1370,30 |
3,663 |
1692,85 |
1150,02 |
|
6. |
Leather & Leather Products |
1,319 |
470,42 |
389,06 |
836 |
311,06 |
250,42 |
|
7. |
Rubber & Plastic Products |
5,451 |
1744,76 |
1291,72 |
4,000 |
1677,26 |
1180,04 |
|
8. |
Chemicals & Chemical Products |
7,180 |
7555,26 |
5026,56 |
5,265 |
5705,68 |
3860,87 |
|
|
(a) |
Heavy Industrial Chemicals |
1,044 |
1967,21 |
1205,29 |
903 |
1392,08 |
823,57 |
|
|
(b) |
Fertilisers |
252 |
1498,27 |
985,26 |
196 |
1271,72 |
1022,74 |
|
|
(c) |
Drugs & Pharmaceuticals |
1,582 |
1674,24 |
1209,84 |
1,245 |
1434,51 |
937,43 |
|
|
(d) |
Non-Edible Oils |
159 |
62,99 |
48,88 |
125 |
59,16 |
32,81 |
|
|
(e) |
Other Chemicals & Chemical Products |
4,143 |
2352,54 |
1577,28 |
2,796 |
1548,20 |
1044,33 |
|
9. |
Petroleum, Coal Products & Nuclear Fuels |
395 |
1899,76 |
794,07 |
342 |
778,00 |
679,95 |
|
10. |
Manufacture of Cement & Cement Products |
1,426 |
810,72 |
598,93 |
863 |
1168,37 |
1000,01 |
|
11. |
Basic Metals & Metal Products |
10,371 |
7516,15 |
4812,23 |
6,590 |
6513,89 |
4688,25 |
|
|
(a) |
Iron & Steel |
3,603 |
4734,98 |
3003,06 |
2,464 |
4075,00 |
3091,53 |
|
|
(b) |
Non-Ferrous Metals |
1,255 |
1005,62 |
512,55 |
530 |
580,76 |
418,52 |
|
|
(c) |
Metal Products |
5,513 |
1775,55 |
1296,61 |
3,596 |
1858,13 |
1178,20 |
|
12. |
Engineering |
11,196 |
6489,34 |
3979,66 |
7,958 |
5183,49 |
3702,93 |
|
|
(a) |
Heavy Engineering |
2,534 |
1273,15 |
938,16 |
1,902 |
858,49 |
647,50 |
|
|
(b) |
Light Engineering |
4,692 |
1883,72 |
1207,36 |
2,857 |
1367,15 |
875,03 |
|
|
(c) |
Electrical Machinery & Goods |
2,888 |
2547,44 |
1283,67 |
2,194 |
1568,80 |
1095,52 |
|
|
(d) |
Electronic Machinery & Goods |
1,082 |
785,03 |
550,47 |
1,005 |
1389,05 |
1084,88 |
|
13. |
Vehicles, Vehicle Parts & Transport Equipments |
3,230 |
2767,11 |
1458,89 |
2,136 |
1905,93 |
1358,47 |
|
14. |
Other Industries |
14,900 |
7818,91 |
5812,20 |
9,810 |
3091,98 |
2330,25 |
|
15. |
Electricity, Gas & Water |
804 |
5178,85 |
4024,25 |
565 |
2375,25 |
1736,51 |
|
|
(a) |
Electricity Generation & Transmission |
382 |
4640,55 |
3593,28 |
234 |
2168,04 |
1579,47 |
|
|
(b) |
Non-Conventional Energy |
97 |
96,74 |
89,02 |
86 |
104,01 |
94,97 |
|
|
(c) |
Gas, Steam & Water Supply |
325 |
441,56 |
341,95 |
245 |
103,20 |
62,08 |
|
16. |
Construction |
14,622 |
8805,81 |
6380,14 |
6,661 |
4395,07 |
3349,11 |
III. |
TRANSPORT OPERATORS |
14,446 |
2105,25 |
1665,98 |
13,060 |
1526,75 |
1166,97 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
36,436 |
9947,27 |
8244,43 |
27,972 |
6364,20 |
4946,72 |
V. |
PERSONAL LOANS |
5,82,032 |
33678,09 |
28627,55 |
1,91,941 |
9543,70 |
7570,02 |
|
1. |
Loans for Purchase of Consumer Durables |
132 |
4,55 |
4,29 |
1,590 |
58,67 |
45,96 |
|
2. |
Loans for Housing |
4,44,603 |
28867,65 |
25183,36 |
49,001 |
3532,21 |
3136,35 |
|
3. |
Rest of the Personal Loans |
1,37,297 |
4805,89 |
3439,90 |
1,41,350 |
5952,82 |
4387,70 |
VI. |
TRADE |
|
86,757 |
11100,05 |
8067,00 |
58,609 |
8691,18 |
6724,99 |
|
1. |
Wholesale Trade |
23,124 |
4234,55 |
3016,80 |
18,346 |
3844,32 |
2904,71 |
|
2. |
Retail Trade |
63,633 |
6865,50 |
5050,20 |
40,263 |
4846,86 |
3820,29 |
VII. |
FINANCE |
|
3,186 |
8481,33 |
5786,17 |
1,617 |
4546,73 |
3570,67 |
VIII. |
ALL OTHERS |
59,976 |
8852,84 |
6277,93 |
32,460 |
6131,53 |
4520,84 |
TOTAL LOANS AND ADVANCES |
11,17,475 |
163942,35 |
120994,68 |
4,97,268 |
97332,85 |
70084,84 |
OF WHICH:
1. Artisans and Village & Tiny Industries |
12,601 |
1268,66 |
974,02 |
6,050 |
826,16 |
648,83 |
2. Other Small Scale Industries |
52,372 |
9823,53 |
7318,69 |
31,286 |
7852,20 |
5999,36 |
TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND |
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
|
13% AND ABOVE
BUT LESS THAN 14% |
14% AND ABOVE
BUT LESS THAN 15% |
OCCUPATION |
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
|
|
|
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
|
|
|
|
13 |
14 |
15 |
16 |
17 |
18 |
I. |
AGRICULTURE |
1,18,669 |
11012,10 |
9222,62 |
80,646 |
7745,64 |
6564,07 |
|
1. |
Direct Finance |
1,08,864 |
4605,54 |
3952,48 |
72,329 |
3472,70 |
3089,66 |
|
2. |
Indirect Finance |
9,805 |
6406,56 |
5270,14 |
8,317 |
4272,94 |
3474,40 |
II. |
INDUSTRY |
60,289 |
66046,83 |
52692,38 |
67,045 |
78018,62 |
61524,24 |
|
1. |
Mining & Quarrying |
1,749 |
2655,30 |
2468,84 |
1,843 |
3446,11 |
3130,34 |
|
2. |
Food Manufacturing & Processing |
7,224 |
4137,72 |
2998,32 |
6,957 |
5787,05 |
4554,99 |
|
|
(a) |
Rice Mills, Flour & Dal Mills |
3,086 |
1169,48 |
703,29 |
2,900 |
1043,84 |
733,24 |
|
|
(b) |
Sugar |
176 |
1189,65 |
916,17 |
256 |
1514,52 |
1266,45 |
|
|
(c) |
Edible Oils & Vanaspati |
730 |
426,17 |
345,00 |
699 |
536,79 |
478,73 |
|
|
(d) |
Tea Processing |
321 |
377,88 |
306,72 |
320 |
888,46 |
801,64 |
|
|
(e) |
Processing of Fruits & Vegetables |
179 |
64,02 |
43,30 |
224 |
126,42 |
98,77 |
|
|
(f) |
Others |
2,732 |
910,52 |
683,84 |
2,558 |
1677,02 |
1176,16 |
|
3. |
Beverage & Tobacco |
654 |
297,11 |
227,23 |
790 |
1840,63 |
1658,16 |
|
4. |
Textiles |
8,723 |
4551,16 |
3576,80 |
10,009 |
8823,51 |
7121,40 |
|
|
(a) |
Cotton Textiles |
3,188 |
2241,70 |
1754,86 |
3,861 |
4210,54 |
3362,56 |
|
|
(b) |
Jute & Other Natural Fibre Textiles |
165 |
175,50 |
162,24 |
170 |
217,51 |
130,29 |
|
|
(c) |
Handloom Textiles & Khadi |
474 |
346,79 |
252,36 |
402 |
143,30 |
131,46 |
|
|
(d) |
Other Textiles & Textile Products |
4,896 |
1787,17 |
1407,34 |
5,576 |
4252,16 |
3497,10 |
|
5. |
Paper, Paper Products & Printing |
3,121 |
1018,23 |
758,14 |
3,206 |
2310,44 |
1866,15 |
|
6. |
Leather & Leather Products |
807 |
273,96 |
192,61 |
924 |
534,84 |
441,60 |
|
7. |
Rubber & Plastic Products |
3,202 |
946,63 |
705,20 |
2,812 |
1679,22 |
1253,08 |
|
8. |
Chemicals & Chemical Products |
4,026 |
5361,07 |
3739,63 |
4,443 |
9503,09 |
7445,59 |
|
|
(a) |
Heavy Industrial Chemicals |
720 |
2130,85 |
1503,12 |
799 |
1794,41 |
1585,15 |
|
|
(b) |
Fertilisers |
145 |
1307,82 |
823,24 |
203 |
1937,06 |
1720,81 |
|
|
(c) |
Drugs & Pharmaceuticals |
928 |
844,63 |
643,03 |
1,084 |
2834,19 |
2136,78 |
|
|
(d) |
Non-Edible Oils |
103 |
43,19 |
35,77 |
97 |
86,70 |
56,08 |
|
|
(e) |
Other Chemicals & Chemical Products |
2,130 |
1034,58 |
734,46 |
2,260 |
2850,73 |
1946,77 |
|
9. |
Petroleum, Coal Products & Nuclear Fuels |
372 |
4234,96 |
3646,57 |
355 |
2142,85 |
1448,21 |
|
10. |
Manufacture of Cement & Cement Products |
755 |
1387,62 |
1196,16 |
720 |
1833,48 |
1279,08 |
|
11. |
Basic Metals & Metal Products |
5,480 |
5990,27 |
4476,97 |
5,597 |
7791,93 |
6092,03 |
|
|
(a) |
Iron & Steel |
1,876 |
4739,09 |
3489,78 |
2,204 |
4919,76 |
3896,32 |
|
|
(b) |
Non-Ferrous Metals |
401 |
207,27 |
135,89 |
478 |
914,53 |
649,01 |
|
|
(c) |
Metal Products |
3,203 |
1043,91 |
851,30 |
2,915 |
1957,64 |
1546,69 |
|
12. |
Engineering |
6,267 |
5110,51 |
3715,33 |
6,805 |
9012,52 |
6956,07 |
|
|
(a) |
Heavy Engineering |
1,418 |
782,65 |
543,26 |
1,578 |
2019,97 |
1495,96 |
|
|
(b) |
Light Engineering |
2,344 |
966,39 |
749,97 |
2,542 |
2371,84 |
1864,82 |
|
|
(c) |
Electrical Machinery & Goods |
1,748 |
2317,78 |
1543,09 |
1,768 |
2304,81 |
1792,32 |
|
|
(d) |
Electronic Machinery & Goods |
757 |
1043,69 |
879,02 |
917 |
2315,90 |
1802,97 |
|
13. |
Vehicles, Vehicle Parts & Transport Equipments |
1,444 |
2415,65 |
1809,89 |
1,710 |
4056,37 |
3418,10 |
|
14. |
Other Industries |
9,660 |
2933,40 |
2319,44 |
12,143 |
9106,71 |
6548,22 |
|
15. |
Electricity, Gas & Water |
668 |
12447,51 |
11039,75 |
539 |
3653,87 |
2897,54 |
|
|
(a) |
Electricity Generation & Transmission |
358 |
12022,29 |
10721,51 |
267 |
3299,66 |
2652,96 |
|
|
(b) |
Non-Conventional Energy |
85 |
61,73 |
50,53 |
68 |
109,68 |
88,28 |
|
|
(c) |
Gas, Steam & Water Supply |
225 |
363,49 |
267,71 |
204 |
244,53 |
156,30 |
|
16. |
Construction |
6,137 |
12285,73 |
9821,51 |
8,192 |
6496,01 |
5413,67 |
III. |
TRANSPORT OPERATORS |
14,407 |
2858,80 |
1960,12 |
11,262 |
2522,56 |
2122,13 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
18,119 |
6216,68 |
5345,18 |
19,136 |
12062,02 |
9118,69 |
V. |
PERSONAL LOANS |
1,19,075 |
5572,44 |
4340,57 |
73,539 |
3534,47 |
2672,75 |
|
1. |
Loans for Purchase of Consumer Durables |
1,506 |
59,18 |
47,10 |
1,294 |
50,37 |
37,32 |
|
2. |
Loans for Housing |
33,093 |
1886,63 |
1643,01 |
10,545 |
774,20 |
674,78 |
|
3. |
Rest of the Personal Loans |
84,476 |
3626,63 |
2650,46 |
61,700 |
2709,89 |
1960,65 |
VI. |
TRADE |
|
70,597 |
9773,99 |
7513,80 |
66,127 |
10243,14 |
8117,60 |
|
1. |
Wholesale Trade |
21,072 |
4541,84 |
3396,28 |
19,775 |
4704,32 |
3738,44 |
|
2. |
Retail Trade |
49,525 |
5232,15 |
4117,52 |
46,352 |
5538,83 |
4379,17 |
VII. |
FINANCE |
|
1,177 |
14709,59 |
12949,70 |
1,884 |
16375,01 |
14861,12 |
VIII. |
ALL OTHERS |
25,939 |
6309,85 |
4698,69 |
27,313 |
6465,72 |
5016,54 |
TOTAL LOANS AND ADVANCES |
4,28,272 |
122500,28 |
98723,06 |
3,46,952 |
136967,19 |
109997,14 |
OF WHICH:
1. Artisans and Village & Tiny Industries |
4,463 |
389,63 |
316,14 |
3,907 |
326,92 |
267,50 |
2. Other Small Scale Industries |
26,436 |
5300,69 |
4202,51 |
26,347 |
5906,85 |
4586,11 |
TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND |
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
|
15% AND ABOVE BUT LESS THAN 16% |
16% AND ABOVE
BUT LESS THAN 17% |
OCCUPATION |
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
|
|
|
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
|
|
|
|
19 |
20 |
21 |
22 |
23 |
24 |
I. |
AGRICULTURE |
45,191 |
4775,72 |
4099,24 |
19,864 |
6446,76 |
5253,42 |
|
1. |
Direct Finance |
39,699 |
2282,72 |
1976,59 |
16,496 |
1890,52 |
1426,50 |
|
2. |
Indirect Finance |
5,492 |
2493,00 |
2122,65 |
3,368 |
4556,24 |
3826,91 |
II. |
INDUSTRY |
42,224 |
29894,35 |
23787,86 |
25,810 |
51961,97 |
38594,53 |
1. |
Mining & Quarrying |
1,065 |
552,93 |
450,78 |
782 |
2056,59 |
1066,34 |
2. |
Food Manufacturing & Processing |
4,436 |
2300,22 |
1746,35 |
2,628 |
3341,05 |
2463,79 |
|
|
(a) |
Rice Mills, Flour & Dal Mills |
1,636 |
366,70 |
292,36 |
883 |
435,50 |
363,04 |
|
|
(b) |
Sugar |
129 |
494,49 |
366,99 |
88 |
630,39 |
401,65 |
|
|
(c) |
Edible Oils & Vanaspati |
537 |
362,71 |
272,07 |
306 |
298,68 |
216,46 |
|
|
(d) |
Tea Processing |
284 |
390,96 |
304,26 |
93 |
357,48 |
270,90 |
|
|
(e) |
Processing of Fruits & Vegetables |
136 |
34,31 |
29,34 |
121 |
236,38 |
207,86 |
|
|
(f) |
Others |
1,714 |
651,05 |
481,33 |
1,137 |
1382,63 |
1003,88 |
|
3. |
Beverage & Tobacco |
438 |
447,37 |
395,85 |
333 |
732,20 |
537,60 |
|
4. |
Textiles |
5,498 |
3598,96 |
3046,48 |
4,378 |
5756,28 |
3960,93 |
|
|
(a) |
Cotton Textiles |
2,107 |
1876,99 |
1572,49 |
1,363 |
2587,99 |
1918,79 |
|
|
(b) |
Jute & Other Natural Fibre Textiles |
116 |
80,89 |
63,48 |
125 |
84,69 |
68,63 |
|
|
(c) |
Handloom Textiles & Khadi |
298 |
73,52 |
63,13 |
152 |
90,57 |
41,73 |
|
|
(d) |
Other Textiles & Textile Products |
2,977 |
1567,56 |
1347,37 |
2,738 |
2993,04 |
1931,77 |
|
5. |
Paper, Paper Products & Printing |
2,029 |
960,54 |
849,49 |
1,033 |
1371,07 |
1122,94 |
|
6. |
Leather & Leather Products |
559 |
231,02 |
178,56 |
648 |
459,73 |
404,52 |
|
7. |
Rubber & Plastic Products |
2,087 |
842,84 |
722,57 |
1,054 |
804,78 |
627,78 |
|
8. |
Chemicals & Chemical Products |
2,489 |
2838,04 |
1908,23 |
2,179 |
6567,17 |
5141,43 |
|
|
(a) |
Heavy Industrial Chemicals |
506 |
758,54 |
556,52 |
385 |
1184,90 |
967,04 |
|
|
(b) |
Fertilisers |
121 |
643,93 |
344,98 |
120 |
1430,53 |
1018,77 |
|
|
(c) |
Drugs & Pharmaceuticals |
535 |
574,78 |
411,43 |
535 |
1402,76 |
1079,60 |
|
|
(d) |
Non-Edible Oils |
57 |
22,70 |
21,48 |
36 |
117,17 |
97,11 |
|
|
(e) |
Other Chemicals & Chemical Products |
1,270 |
838,09 |
573,81 |
1,103 |
2431,82 |
1978,90 |
|
9. |
Petroleum, Coal Products & Nuclear Fuels |
259 |
1004,49 |
858,20 |
157 |
2169,92 |
1516,05 |
|
10. |
Manufacture of Cement & Cement Products |
502 |
894,21 |
652,48 |
303 |
1080,14 |
850,98 |
|
11. |
Basic Metals & Metal Products |
3,569 |
3297,46 |
2604,47 |
2,351 |
7676,08 |
5779,01 |
|
|
(a) |
Iron & Steel |
1,184 |
2260,04 |
1724,00 |
887 |
5672,12 |
4316,47 |
|
|
(b) |
Non-Ferrous Metals |
275 |
307,64 |
304,24 |
258 |
759,50 |
554,72 |
|
|
(c) |
Metal Products |
2,110 |
729,78 |
576,23 |
1,206 |
1244,45 |
907,82 |
|
12. |
Engineering |
4,582 |
3874,83 |
3116,70 |
2,711 |
5381,71 |
3968,14 |
|
|
(a) |
Heavy Engineering |
1,052 |
774,33 |
483,41 |
608 |
852,07 |
656,75 |
|
|
(b) |
Light Engineering |
1,543 |
1094,55 |
1004,32 |
892 |
1202,25 |
842,64 |
|
|
(c) |
Electrical Machinery & Goods |
1,373 |
886,27 |
722,52 |
721 |
1917,33 |
1341,96 |
|
|
(d) |
Electronic Machinery & Goods |
614 |
1119,69 |
906,45 |
490 |
1410,05 |
1126,78 |
|
13. |
Vehicles, Vehicle Parts & Transport Equipments |
793 |
1319,89 |
823,21 |
566 |
2501,75 |
1792,61 |
|
14. |
Other Industries |
8,070 |
3940,06 |
3245,82 |
4,072 |
4258,27 |
3294,44 |
|
15. |
Electricity, Gas & Water |
381 |
1562,70 |
1315,86 |
235 |
4190,03 |
3200,18 |
|
|
(a) |
Electricity Generation & Transmission |
175 |
1337,95 |
1130,91 |
134 |
3993,17 |
3023,05 |
|
|
(b) |
Non-Conventional Energy |
58 |
55,21 |
34,34 |
26 |
46,74 |
44,11 |
|
|
(c) |
Gas, Steam & Water Supply |
148 |
169,54 |
150,61 |
75 |
150,12 |
133,02 |
|
16. |
Construction |
5,467 |
2228,80 |
1872,80 |
2,380 |
3615,19 |
2867,80 |
III. |
TRANSPORT OPERATORS |
8,621 |
595,90 |
450,53 |
4,234 |
1753,31 |
1374,35 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
11,210 |
3358,30 |
2796,38 |
6,851 |
5930,97 |
4521,18 |
V. |
PERSONAL LOANS |
5,23,970 |
23674,24 |
18621,31 |
33,096 |
3671,15 |
2947,93 |
|
1. |
Loans for Purchase of Consumer Durables |
6,235 |
231,82 |
187,47 |
406 |
16,85 |
10,40 |
|
2. |
Loans for Housing |
23,129 |
1412,25 |
1204,22 |
6,988 |
2334,78 |
2076,77 |
|
3. |
Rest of the Personal Loans |
4,94,606 |
22030,17 |
17229,62 |
25,702 |
1319,52 |
860,76 |
VI. |
TRADE |
|
36,717 |
5493,78 |
4501,94 |
14,498 |
4439,80 |
3375,02 |
|
1. |
Wholesale Trade |
10,870 |
2317,55 |
1975,14 |
4,671 |
2474,92 |
1867,48 |
|
2. |
Retail Trade |
25,847 |
3176,23 |
2526,80 |
9,827 |
1964,88 |
1507,53 |
VII. |
FINANCE |
|
949 |
2446,42 |
2195,37 |
1,298 |
12312,64 |
10275,88 |
VIII. |
ALL OTHERS |
18,586 |
3342,15 |
2538,33 |
9,054 |
3145,62 |
2456,23 |
TOTAL LOANS AND ADVANCES |
6,87,468 |
73580,85 |
58990,96 |
1,14,705 |
89662,21 |
68798,54 |
OF WHICH:
1. Artisans and Village & Tiny Industries |
2,571 |
209,13 |
174,46 |
1,438 |
116,90 |
94,81 |
2. Other Small Scale Industries |
15,980 |
3089,65 |
2494,12 |
9,209 |
3020,75 |
2333,65 |
TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND |
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
|
17% AND ABOVE |
BUT |
18% AND ABOVE |
BUT |
|
|
|
|
|
LESS THAN 18% |
|
LESS THAN 20% |
OCCUPATION |
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
|
|
|
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
25 |
26 |
27 |
28 |
29 |
30 |
I. |
AGRICULTURE |
5,156 |
577,20 |
487,30 |
10,070 |
1377,45 |
1246,71 |
|
1. |
Direct Finance |
4,716 |
347,71 |
300,70 |
7,802 |
748,62 |
696,55 |
|
2. |
Indirect Finance |
440 |
229,49 |
186,59 |
2,268 |
628,83 |
550,16 |
II. |
INDUSTRY |
5,821 |
3983,27 |
2948,56 |
15,866 |
7372,18 |
6248,30 |
|
1. |
Mining & Quarrying |
114 |
37,39 |
32,45 |
284 |
164,12 |
176,52 |
|
2. |
Food Manufacturing & Processing |
547 |
545,69 |
339,69 |
785 |
482,88 |
426,32 |
|
|
(a) |
Rice Mills, Flour & Dal Mills |
197 |
49,78 |
41,05 |
159 |
54,94 |
50,64 |
|
|
(b) |
Sugar |
27 |
311,07 |
142,24 |
19 |
43,19 |
36,89 |
|
|
(c) |
Edible Oils & Vanaspati |
79 |
67,18 |
50,71 |
123 |
105,86 |
94,72 |
|
|
(d) |
Tea Processing |
22 |
22,84 |
20,64 |
28 |
30,46 |
30,11 |
|
|
(e) |
Processing of Fruits & Vegetables |
28 |
20,64 |
20,58 |
74 |
37,53 |
34,68 |
|
|
(f) |
Others |
194 |
74,19 |
64,47 |
382 |
210,90 |
179,28 |
|
3. |
Beverage & Tobacco |
63 |
83,13 |
74,01 |
106 |
109,42 |
101,29 |
|
4. |
Textiles |
947 |
617,84 |
526,44 |
1,522 |
937,28 |
801,16 |
|
|
(a) |
Cotton Textiles |
345 |
331,26 |
282,44 |
624 |
470,15 |
396,26 |
|
|
(b) |
Jute & Other Natural Fibre Textiles |
19 |
1,08 |
1,13 |
21 |
22,00 |
13,70 |
|
|
(c) |
Handloom Textiles & Khadi |
40 |
3,04 |
2,49 |
61 |
33,77 |
31,81 |
|
|
(d) |
Other Textiles & Textile Products |
543 |
282,46 |
240,39 |
816 |
411,36 |
359,40 |
|
5. |
Paper, Paper Products & Printing |
297 |
123,29 |
74,46 |
386 |
182,38 |
153,93 |
|
6. |
Leather & Leather Products |
89 |
21,02 |
16,10 |
167 |
85,85 |
74,85 |
|
7. |
Rubber & Plastic Products |
267 |
95,97 |
84,77 |
390 |
221,93 |
190,12 |
|
8. |
Chemicals & Chemical Products |
500 |
571,20 |
443,42 |
662 |
908,16 |
723,23 |
|
|
(a) |
Heavy Industrial Chemicals |
101 |
134,99 |
91,23 |
148 |
199,03 |
162,72 |
|
|
(b) |
Fertilisers |
20 |
104,96 |
100,65 |
22 |
91,54 |
66,18 |
|
|
(c) |
Drugs & Pharmaceuticals |
106 |
129,06 |
108,18 |
141 |
187,26 |
173,30 |
|
|
(d) |
Non-Edible Oils |
4 |
1,27 |
1,27 |
11 |
7,18 |
6,77 |
|
|
(e) |
Other Chemicals & Chemical Products |
269 |
200,92 |
142,10 |
340 |
423,14 |
314,26 |
|
9. |
Petroleum, Coal Products & Nuclear Fuels |
45 |
38,31 |
30,09 |
85 |
41,67 |
39,62 |
|
10. |
Manufacture of Cement & Cement Products |
56 |
137,77 |
90,20 |
84 |
90,41 |
75,20 |
|
11. |
Basic Metals & Metal Products |
533 |
475,40 |
367,99 |
975 |
781,64 |
587,50 |
|
|
(a) |
Iron & Steel |
194 |
269,37 |
233,64 |
467 |
397,99 |
350,31 |
|
|
(b) |
Non-Ferrous Metals |
73 |
20,15 |
19,06 |
59 |
82,60 |
58,97 |
|
|
(c) |
Metal Products |
266 |
185,88 |
115,29 |
449 |
301,05 |
178,23 |
|
12. |
Engineering |
655 |
690,54 |
414,04 |
1,221 |
801,56 |
672,29 |
|
|
(a) |
Heavy Engineering |
134 |
173,29 |
127,82 |
356 |
143,03 |
120,01 |
|
|
(b) |
Light Engineering |
194 |
155,42 |
102,29 |
299 |
240,12 |
213,64 |
|
|
(c) |
Electrical Machinery & Goods |
161 |
172,55 |
63,41 |
355 |
231,73 |
187,35 |
|
|
(d) |
Electronic Machinery & Goods |
166 |
189,29 |
120,53 |
211 |
186,69 |
151,29 |
|
13. |
Vehicles, Vehicle Parts & Transport Equipments |
143 |
54,57 |
40,15 |
195 |
135,14 |
120,87 |
|
14. |
Other Industries |
978 |
220,03 |
190,08 |
1,954 |
409,37 |
350,43 |
|
15. |
Electricity, Gas & Water |
45 |
99,31 |
78,40 |
403 |
634,05 |
549,50 |
|
|
(a) |
Electricity Generation & Transmission |
28 |
97,00 |
76,83 |
368 |
572,68 |
487,97 |
|
|
(b) |
Non-Conventional Energy |
2 |
30 |
5 |
6 |
32 |
27 |
|
|
(c) |
Gas, Steam & Water Supply |
15 |
2,01 |
1,53 |
29 |
61,05 |
61,26 |
|
16. |
Construction |
542 |
171,80 |
146,27 |
6,647 |
1386,31 |
1205,47 |
III. |
TRANSPORT OPERATORS |
1,060 |
83,64 |
64,59 |
5,027 |
383,64 |
360,84 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
1,492 |
361,64 |
290,93 |
14,291 |
2234,52 |
2027,53 |
V. |
PERSONAL LOANS |
97,370 |
5736,60 |
4757,71 |
2,04,776 |
11532,70 |
9946,51 |
|
1. |
Loans for Purchase of Consumer Durables |
1,006 |
60,85 |
57,57 |
800 |
36,24 |
29,68 |
|
2. |
Loans for Housing |
32,698 |
2794,86 |
2539,63 |
72,595 |
4778,26 |
4203,34 |
|
3. |
Rest of the Personal Loans |
63,666 |
2880,89 |
2160,51 |
1,31,381 |
6718,19 |
5713,49 |
VI. |
TRADE |
|
2,947 |
411,94 |
351,85 |
7,027 |
2203,10 |
1791,75 |
|
1. |
Wholesale Trade |
1,082 |
183,99 |
158,47 |
2,529 |
670,52 |
554,71 |
|
2. |
Retail Trade |
1,865 |
227,95 |
193,38 |
4,498 |
1532,57 |
1237,04 |
VII. |
FINANCE |
|
231 |
264,55 |
200,87 |
4,346 |
653,49 |
449,35 |
VIII. |
ALL OTHERS |
2,090 |
526,61 |
409,39 |
18,291 |
2104,91 |
1692,05 |
TOTAL LOANS AND ADVANCES |
1,16,167 |
11945,45 |
9511,19 |
2,79,694 |
27861,99 |
23763,05 |
OF WHICH:
1. Artisans and Village & Tiny Industries |
419 |
25,34 |
19,17 |
794 |
42,90 |
32,02 |
2. Other Small Scale Industries |
2,032 |
461,68 |
384,38 |
2,844 |
639,19 |
566,94 |
TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND |
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION |
MARCH 2004 |
(Amount in Rupees Lakh) |
|
|
|
|
20% AND ABOVE |
TOTAL |
OCCUPATION |
|
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|
|
|
|
Accounts |
Limit Outstanding |
Accounts |
Limit |
Outstanding |
|
|
|
|
31 |
32 |
33 |
34 |
35 |
36 |
I. |
AGRICULTURE |
1,106 |
227,46 |
186,05 |
6,43,882 |
59288,17 |
48022,25 |
|
1. |
Direct Finance |
864 |
126,93 |
100,10 |
5,85,064 |
29058,96 |
23910,69 |
|
2. |
Indirect Finance |
242 |
100,53 |
85,95 |
58,818 |
30229,21 |
24111,56 |
II. |
INDUSTRY |
30,463 |
5273,67 |
3445,57 |
4,68,288 |
388745,45 |
288586,37 |
|
|
1. |
Mining & Quarrying |
44 |
24,19 |
24,56 |
11,177 |
17171,60 |
10031,96 |
|
|
2. |
Food Manufacturing & Processing |
329 |
288,94 |
180,27 |
48,013 |
33526,41 |
23836,01 |
|
|
(a) |
Rice Mills, Flour & Dal Mills |
62 |
15,29 |
11,65 |
20,258 |
7364,49 |
5109,30 |
|
|
(b) |
Sugar |
16 |
59,18 |
36,73 |
1,191 |
8375,02 |
5598,04 |
|
|
(c) |
Edible Oils & Vanaspati |
50 |
69,58 |
34,18 |
4,694 |
3480,53 |
2683,30 |
|
|
(d) |
Tea Processing |
5 |
7,66 |
8,06 |
2,068 |
3408,46 |
2702,83 |
|
|
(e) |
Processing of Fruits & Vegetables |
35 |
33,47 |
17,37 |
1,417 |
744,49 |
598,85 |
|
|
(f) |
Others |
161 |
103,76 |
72,28 |
18,385 |
10153,42 |
7143,69 |
|
3. |
Beverage & Tobacco |
35 |
37,69 |
32,53 |
3,925 |
5134,72 |
4195,55 |
|
4. |
Textiles |
949 |
734,31 |
492,30 |
63,529 |
45334,60 |
33997,42 |
|
|
(a) |
Cotton Textiles |
623 |
431,59 |
258,77 |
21,747 |
20734,24 |
15798,45 |
|
|
(b) |
Jute & Other Natural Fibre Textiles |
7 |
7,08 |
6,75 |
1,254 |
1002,48 |
676,88 |
|
|
(c) |
Handloom Textiles & Khadi |
10 |
2,65 |
2,38 |
3,703 |
1283,22 |
969,50 |
|
|
(d) |
Other Textiles & Textile Products |
309 |
292,99 |
224,40 |
36,825 |
22314,65 |
16552,58 |
|
5. |
Paper, Paper Products & Printing |
149 |
147,90 |
105,68 |
19,156 |
10160,45 |
7658,38 |
|
6. |
Leather & Leather Products |
41 |
14,98 |
13,01 |
6,039 |
3073,54 |
2494,15 |
|
7. |
Rubber & Plastic Products |
168 |
484,43 |
456,20 |
19,882 |
8890,97 |
6843,00 |
|
8. |
Chemicals & Chemical Products |
699 |
928,57 |
508,81 |
28,384 |
41790,71 |
30074,77 |
|
|
(a) |
Heavy Industrial Chemicals |
117 |
219,49 |
136,15 |
4,919 |
10305,14 |
7331,81 |
|
|
(b) |
Fertilisers |
12 |
73,14 |
38,99 |
1,112 |
8489,51 |
6229,35 |
|
|
(c) |
Drugs & Pharmaceuticals |
85 |
130,01 |
90,74 |
6,481 |
9848,01 |
7290,22 |
|
|
(d) |
Non-Edible Oils |
1 |
11,40 |
2,49 |
614 |
460,54 |
341,56 |
|
|
(e) |
Other Chemicals & Chemical Products |
484 |
494,54 |
240,43 |
15,258 |
12687,51 |
8881,83 |
|
9. |
Petroleum, Coal Products & Nuclear Fuels |
29 |
18,44 |
17,96 |
2,074 |
12362,02 |
9060,12 |
|
10. |
Manufacture of Cement & Cement Products |
62 |
126,29 |
84,45 |
4,869 |
7626,08 |
5903,54 |
|
11. |
Basic Metals & Metal Products |
381 |
764,58 |
550,93 |
37,133 |
41836,87 |
30784,63 |
|
|
(a) |
Iron & Steel |
157 |
402,84 |
296,32 |
13,386 |
27927,83 |
20735,43 |
|
|
(b) |
Non-Ferrous Metals |
59 |
53,75 |
44,81 |
3,558 |
4233,48 |
2974,20 |
|
|
(c) |
Metal Products |
165 |
307,99 |
209,81 |
20,189 |
9675,56 |
7075,00 |
|
12. |
Engineering |
1,082 |
442,60 |
283,49 |
43,629 |
37754,65 |
27298,81 |
|
|
(a) |
Heavy Engineering |
502 |
118,99 |
56,10 |
10,365 |
7115,48 |
5159,68 |
|
|
(b) |
Light Engineering |
105 |
51,89 |
31,87 |
15,951 |
9681,75 |
7087,07 |
|
|
(c) |
Electrical Machinery & Goods |
365 |
130,43 |
82,16 |
11,842 |
12284,90 |
8251,72 |
|
|
(d) |
Electronic Machinery & Goods |
110 |
141,28 |
113,36 |
5,471 |
8672,52 |
6800,36 |
|
13. |
Vehicles, Vehicle Parts & Transport Equipments |
121 |
168,38 |
151,45 |
10,755 |
15746,15 |
11296,78 |
|
14. |
Other Industries |
26,090 |
730,29 |
253,90 |
91,119 |
35416,95 |
26277,94 |
|
15. |
Electricity, Gas & Water |
48 |
205,83 |
165,21 |
3,807 |
31115,93 |
25664,85 |
|
|
(a) |
Electricity Generation & Transmission |
30 |
204,52 |
163,99 |
2,033 |
28983,11 |
24019,23 |
|
|
(b) |
Non-Conventional Energy |
2 |
9 |
5 |
453 |
492,67 |
419,31 |
|
|
(c) |
Gas, Steam & Water Supply |
16 |
1,23 |
1,17 |
1,321 |
1640,15 |
1226,31 |
|
16. |
Construction |
236 |
156,26 |
124,83 |
74,797 |
41803,81 |
33168,46 |
III. |
TRANSPORT OPERATORS |
325 |
73,90 |
34,11 |
74,116 |
12156,23 |
9386,78 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
1,882 |
396,86 |
313,28 |
1,48,399 |
49266,25 |
39475,96 |
V. |
PERSONAL LOANS |
57,888 |
1828,78 |
487,63 |
24,87,449 |
130910,59 |
108706,45 |
|
1. |
Loans for Purchase of Consumer Durables |
368 |
12,40 |
8,55 |
13,337 |
530,95 |
428,34 |
|
2. |
Loans for Housing |
– |
– |
– |
12,61,726 |
78036,81 |
68969,13 |
|
3. |
Rest of the Personal Loans |
57,520 |
1816,39 |
479,08 |
12,12,386 |
52342,84 |
39308,97 |
VI. |
TRADE |
|
925 |
320,68 |
280,36 |
3,57,192 |
104260,32 |
80163,99 |
|
|
1. |
Wholesale Trade |
330 |
134,72 |
114,00 |
1,05,741 |
73052,89 |
56129,66 |
|
|
2. |
Retail Trade |
595 |
185,96 |
166,36 |
2,51,451 |
31207,43 |
24034,34 |
VII. |
FINANCE |
|
162 |
159,91 |
151,29 |
16,426 |
63561,81 |
53452,65 |
VIII. |
ALL OTHERS |
4,324 |
337,11 |
253,89 |
2,21,152 |
40078,53 |
30043,81 |
TOTAL LOANS AND ADVANCES |
97,075 |
8618,39 |
5152,19 |
44,16,904 |
848267,35 |
657838,26 |
OF WHICH:
1. Artisans and Village & Tiny Industries |
626 |
32,44 |
25,45 |
34,921 |
3436,13 |
2709,17 |
2. Other Small Scale Industries |
921 |
224,90 |
208,34 |
1,73,203 |
40121,15 |
30779,80 |
APPENDIX
INFORMATION ON OTHER PUBLICATIONS OF THE BANK ON BANKING STATISTICS
1. Statistical Tables Relating to Banks in India
In addition to the explanation provided in the Introduction to this Volume, in respect of the basic difference underlying the two separate publications namely ‘Statistical Tables Relating to Banks in India’ and this Volume, a brief note on the contents of the publication is given below with a view to facilitate the readers.
The book on ‘Statistical Tables Relating to Banks in India’ presents comprehensive data in regard to various aspects in Indian banking, based on data collected through various statutory returns and other statistical returns. The source of data include fortnightly ‘Form-A’ returns submitted by the Scheduled Commercial Banks under Section 42 (2) of the Reserve Bank of India Act, 1934 as on last reporting Friday of every month; ‘Form-X’ returns under Section 27 of the Banking Regulation Act, 1949 as on the last Friday of every month; the liabilities and assets of Scheduled Commercial Banks in India based on their published annual accounts for the reference period; returns on advances to priority sectors as on last reporting Friday of March, other returns collected by various departments of the Bank as well as summary information based on various Basic Statistical Returns. The book contains tables on Offices, Business, Liabilities & Assets, Deposits, Advances, Priority Sector Advances, NPAs, Investments, Earnings & Expenses, Employees, etc.
2. Report on Trend and Progress of Banking in India
This annual publication is brought out by the Reserve Bank of India in terms of Section 36 (2) of the Banking Regulation Act, 1949. The Report for the year 2004-2005 contains seven chapters.
The first chapter Overview, sets out in a nutshell the banking developments and policy perspectives during 2004-05 and 2005-06. The other chapters are Policy Developments in Commercial Banking, Operations and Performance of Commercial Banks, Developments in Co-operative Banking, Non-Banking Financial Institutions, Financial Stability and the final seventh chapter is Perspectives.
3. Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks
This publication presents data on deposits and credit of scheduled commercial banks based on BSR-7 Quarterly Returns received from their head offices giving branch-wise figures of aggregate deposits and gross bank credit as on the last Friday of the quarter/ as on last day of March.
4. Information on other BSR Surveys
Articles based on data collected through the two annual surveys viz. Survey of Ownership of deposits (BSR-4) and Survey of Investments of scheduled commercial banks (BSR-5), and also the quinquennial Survey on Debits to deposit accounts (BSR-6) are published regularly in the RBI Bulletin.
5. Banking Statistics: Basic Statistical Returns 1 & 2, Volume 1 to 31: 1972 to 2002
This publication on CD-ROM, presents the data in PDF format, published in BSR Volumes 1 to 31, collected through Basic Statistical Returns 1 & 2.
6. Branch Banking Statistics
This publication, brought out biennially based on latest updated Master Office File (MOF), provides summary information on branch banking of commercial bank offices in India.
7. Directory of Commercial Bank Offices in India
This publication is brought out biennially on CD-ROM as well as through web. It gives locational details of branch/offices of all scheduled commercial banks in India and is based on latest updated Master Office File (MOF).
|