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

2,10,395

868,48

703,49

3,21,164

1080,74

905,34

-

-

-

1.

Direct Finance

2,07,026

755,92

623,59

3,17,046

973,40

821,70

-

-

-

2.

Indirect Finance

3,369

112,56

79,89

4,118

107,34

83,63

-

-

-

II.

INDUSTRY

34,132

1103,42

939,06

71,502

2804,37

2361,45

172

282,60

233,18

1.

Mining & Quarrying

24

3,11

51

126

7,56

5,29

-

-

-

2.

Food Manufacturing and Processing

1,382

100,01

76,23

2,619

543,75

436,64

3

5,72

5,82

(a)

Rice Mills, Flour and Dal Mills

872

63,32

42,66

1,343

334,69

266,60

2

5,03

5,03

(b)

Sugar

6

34

26

21

66,33

48,69

-

-

-

(c)

Edible Oils and Vanaspati

223

27,76

27,32

231

52,86

39,91

-

-

-

(d)

Tea Processing

1

2

2

6

26

23

1

69

79

(e)

Processing of Fruits & Vegetables

4

24

20

44

3,78

4,66

-

-

-

(f)

Others

276

8,33

5,76

974

85,83

76,55

-

-

-

3.

Beverage and Tobacco

50

5,20

6,26

90

46,99

36,25

1

1,57

87

4.

Textiles

3,225

307,13

251,43

7,207

851,96

738,61

53

156,19

143,13

(a)

Cotton Textiles

809

79,61

66,27

890

163,02

144,54

29

109,97

101,28

(b)

Jute Textiles

6

8,07

8,68

27

1,08

1,07

-

-

-

(c)

Handloom Textiles & Khadi

107

2,77

2,33

246

112,87

97,53

-

-

-

(d)

Other Textiles

2,303

216,69

174,14

6,044

575,00

495,47

24

46,22

41,85

5.

Paper, Paper Products and Printing

234

24,80

24,91

1,060

74,42

61,15

-

-

-

6.

Leather and Leather Products

190

6,36

5,73

426

44,82

33,28

2

1,65

1,17

7.

Rubber and Rubber Products

568

19,05

16,79

769

91,27

79,70

-

-

-

8.

Chemicals and Chemical Products

615

30,87

32,11

1,571

109,86

93,07

33

79,59

44,49

(a)

Heavy Industrial Chemicals

25

58

50

118

27,46

17,43

-

-

-

(b)

Fertilizers

65

6,10

5,94

63

21,53

21,34

-

-

-

(c)

Drugs and Pharmaceuticals

46

2,37

2,46

236

15,48

14,25

23

75,66

43,22

(d)

Non-Edible Oils

18

4,36

3,18

38

6,90

7,29

-

-

-

(e)

Other Chemicals & Chemical Products

461

17,46

20,05

1,116

38,50

32,76

10

3,93

1,27

9.

Petroleum, Coal Products & Nuclear Fuels

58

1,16

1,19

162

8,00

8,53

6

5,78

5,53

10.

Manufacture of Cement & Cement Products

20

1,30

2,45

76

2,98

2,51

-

-

-

11.

Basic Metals & Metal Products

3,110

186,93

160,10

5,728

393,52

337,41

2

65

91

(a)

Iron and Steel

1,216

85,30

74,05

2,840

238,81

206,16

2

65

91

(b)

Non-Ferrous Metals

37

83

66

132

6,23

5,89

-

-

-

(c)

Other Metal Products

1,857

100,79

85,39

2,756

148,48

125,36

-

-

-

12.

Engineering

2,562

127,44

105,96

4,432

176,95

152,08

-

-

-

(a)

Heavy Engineering

293

11,21

11,36

586

29,54

28,64

-

-

-

(b)

Light Engineering

1,937

50,33

44,48

2,787

85,31

68,58

-

-

-

(c)

Electrical Machinery & Goods

275

62,33

45,26

704

28,07

28,43

-

-

-

(d)

Electronic Machinery & Goods

57

3,58

4,86

355

34,04

26,43

-

-

-

Vehicles, Vehicle Parts & Transport Equipments

2,166

94,18

82,49

2,934

206,91

178,49

9

30,42

30,42

14.

Other Industries

19,876

193,65

171,23

43,939

223,49

186,52

63

1,03

84

15.

Electricity, Gas & Water

21

36

31

207

16,69

6,97

-

-

-

(a)

Electricity Generation & Transmission

20

34

27

181

15,21

5,60

-

-

-

(b)

Non-Conventional Energy

1

2

4

2

5

9

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

24

1,43

1,28

-

-

-

16.

Construction

31

1,85

1,36

156

5,18

4,95

-

-

-

III.

TRANSPORT OPERATORS

6,076

52,45

39,62

25,104

119,86

96,33

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

3,123

273,63

255,09

28,198

162,51

125,05

-

-

-

V.

PERSONAL LOANS

70,030

436,10

360,50

1,63,003

640,02

574,47

255

2,52

2,24

1.

Loans for Purchase of Consumer Durables

1,335

2,38

1,85

5,405

13,27

11,41

-

-

-

2.

Loans for Housing

19,119

269,18

216,41

21,988

179,67

160,53

-

-

-

3.

Rest of the Personal Loans

49,576

164,54

142,23

1,35,610

447,08

402,53

255

2,52

2,24

VI.

TRADE

35,695

289,93

235,31

1,41,138

1466,13

1381,21

12

19,54

19,39

1.

Wholesale Trade

3,168

154,00

125,29

8,579

1130,63

1091,57

12

19,54

19,39

2.

Retail Trade

32,527

135,94

110,02

1,32,559

335,50

289,64

-

-

-

VII.

FINANCE

90

1,25

1,03

245

27,63

22,13

-

-

-

VIII.

ALL OTHERS

23,548

89,31

78,11

1,05,035

337,17

307,23

1

16

4

TOTAL BANK CREDIT

3,83,089

3114,58

2612,19

8,55,389

6638,43

5773,21

440

304,81

254,85

OF WHICH :

1. Artisans & Village Industries

6,554

29,08

26,45

15,932

25,19

21,42

2

30

30

2. Other Small Scale Industries

21,054

668,86

561,46

43,918

1164,51

971,84

1

1,52

1,52

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

56,865

66,38

60,51

183

1,10

87

5,88,607

2016,70

1670,21

1.

Direct Finance

56,498

65,91

60,05

180

1,06

83

5,80,750

1796,29

1506,17

2.

Indirect Finance

367

48

47

3

4

4

7,857

220,41

164,03

II.

INDUSTRY

10,898

8,58

7,31

400

9,53

6,89

1,17,104

4208,50

3547,90

1.

Mining & Quarrying

3

2

1

1

1

1

154

10,70

5,83

2.

Food Manufacturing and Processing

16

58

54

2

1,01

1,03

4,022

651,06

520,24

(a)

Rice Mills, Flour and Dal Mills

9

48

48

-

-

-

2,226

403,53

314,77

(b)

Sugar

-

-

-

1

1,00

1,02

28

67,67

49,97

(c)

Edible Oils and Vanaspati

2

5

1

1

1

-

457

80,68

67,25

(d)

Tea Processing

-

-

-

-

-

-

8

97

1,03

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

48

4,01

4,86

(f)

Others

5

4

4

-

-

-

1,255

94,20

82,35

3.

Beverage and Tobacco

-

-

-

-

-

-

141

53,77

43,38

4.

Textiles

5

31

18

86

2,75

2,01

10,576

1318,35

1135,36

(a)

Cotton Textiles

2

30

17

7

66

36

1,737

353,55

312,62

(b)

Jute Textiles

-

-

-

-

-

-

33

9,15

9,75

(c)

Handloom Textiles & Khadi

2

1

1

-

-

-

355

115,64

99,87

(d)

Other Textiles

1

-

-

79

2,09

1,66

8,451

840,01

713,13

5.

Paper, Paper Products and Printing

6

10

7

25

31

19

1,325

99,63

86,33

6.

Leather and Leather Products

-

-

-

2

2

4

620

52,85

40,22

7.

Rubber and Rubber Products

3

2

1

19

57

25

1,359

110,91

96,75

8.

Chemicals and Chemical Products

6

22

17

18

99

68

2,243

221,52

170,53

(a)

Heavy Industrial Chemicals

-

-

-

-

-

-

143

28,04

17,93

(b)

Fertilizers

3

17

12

-

-

-

131

27,79

27,39

(c)

Drugs and Pharmaceuticals

-

-

-

1

6

-

306

93,56

59,93

(d)

Non-Edible Oils

-

-

-

-

-

-

56

11,26

10,46

(e)

Other Chemicals & Chemical Products

3

6

6

17

93

68

1,607

60,87

54,81

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

1

5

-

227

14,99

15,26

10.

Manufacture of Cement & Cement Products

-

-

-

-

-

-

96

4,28

4,96

11.

Basic Metals & Metal Products

-

-

-

45

1,16

60

8,885

582,26

499,02

(a)

Iron and Steel

-

-

-

17

75

30

4,075

325,51

281,43

(b)

Non-Ferrous Metals

-

-

-

2

4

-

171

7,11

6,55

(c)

Other Metal Products

-

-

-

26

36

29

4,639

249,64

211,04

12.

Engineering

14

27

23

59

1,25

90

7,067

305,92

259,17

(a)

Heavy Engineering

10

23

20

9

11

9

898

41,10

40,29

(b)

Light Engineering

3

3

3

37

69

39

4,764

136,36

113,48

(c)

Electrical Machinery & Goods

1

1

1

11

41

40

991

90,81

74,09

(d)

Electronic Machinery & Goods

-

-

-

2

4

2

414

37,66

31,30

Vehicles, Vehicle Parts & Transport Equipments

10

12

11

10

19

18

5,129

331,83

291,68

14.

Other Industries

10,831

6,89

5,93

130

1,06

97

74,839

426,13

365,49

15.

Electricity, Gas & Water

-

-

-

-

-

-

228

17,05

7,28

(a)

Electricity Generation & Transmission

-

-

-

-

-

-

201

15,55

5,88

(b)

Non-Conventional Energy

-

-

-

-

-

-

3

7

13

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

24

1,43

1,28

16.

Construction

4

5

5

2

17

4

193

7,25

6,39

III.

TRANSPORT OPERATORS

5,254

4,41

4,07

340

4,95

3,35

36,774

181,67

143,37

IV.

PROFESSIONAL AND OTHER SERVICES

1,306

1,50

1,36

283

3,63

4,22

32,910

441,26

385,71

V.

PERSONAL LOANS

5,452

9,00

8,88

1,483

4,96

4,43

2,40,223

1092,60

950,52

1.

Loans for Purchase of Consumer Durables

233

35

31

112

13

13

7,085

16,14

13,71

2.

Loans for Housing

231

77

81

53

63

62

41,391

450,25

378,36

3.

Rest of the Personal Loans

4,988

7,87

7,77

1,318

4,19

3,69

1,91,747

626,21

558,45

VI.

TRADE

14,433

13,21

12,17

1,694

16,85

13,61

1,92,972

1805,66

1661,69

1.

Wholesale Trade

214

1,36

1,48

355

5,44

3,96

12,328

1310,96

1241,69

2.

Retail Trade

14,219

11,85

10,69

1,339

11,41

9,65

1,80,644

494,70

420,00

VII.

FINANCE

2

3

4

12

59

90

349

29,50

24,09

VIII.

ALL OTHERS

8,079

6,77

6,34

1,835

3,06

2,94

1,38,498

436,47

394,66

TOTAL BANK CREDIT

1,02,289

109,88

100,68

6,230

44,67

37,22

13,47,437

10212,37

8778,15

OF WHICH :

1. Artisans & Village Industries

8,354

4,90

4,36

5

3

2

30,847

59,49