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Table 5.3 : Distribution of outstanding Credit of Scheduled Commercial Banks according to Interest Rate Range : 2004 and 2005

(Amount in Rs. crore)

 

As on March 31

 

2004

2005

Interest rate range

No. of

Credit

Amount

No. of

Credit

Amount

 

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

 

(1)

(2)

(3)

(4)

(5)

(6)

Less than 6%

62232

2702

2609

75892

4194

3916

 

(1.4)

(0.3)

(0.4)

(1.3)

(0.3)

(0.4)

6% and above but less than 10%

669596

113154

89214

1708211

209678

172540

 

(15.2)

(13.3)

(13.6)

(28.6)

(16.9)

(19.5)

10% and above but less than 12%

885746

146639

106223

1302647

222040

154477

 

(20.1)

(17.3)

(16.1)

(21.8)

(17.9)

(17.5)

12% and above but less than 14%

925540

219833

168808

940683

287014

197518

 

(21.0)

(25.9)

(25.7)

(15.8)

(23.1)

(22.3)

14% and above but less than 15%

346845

133500

106488

297524

234019

147252

 

(7.9)

(15.7)

(16.2)

(5.0)

(18.9)

(16.6)

15% and above but less than 16%

687552

73584

58994

1015181

97182

73093

 

(15.6)

(8.7)

(9.0)

(17.0)

(7.8)

(8.3)

16% and above but less than 17%

120547

91751

70638

93983

130336

99384

 

(2.7)

(10.8)

(10.7)

(1.6)

(10.5)

(11.2)

17% and above but less than 18%

32804

6800

5203

76783

8109

5107

 

(0.7)

(0.8)

(0.8)

(1.3)

(0.7)

(0.6)

18% and above but less than 20%

570983

50497

43548

251873

35238

26770

 

(12.9)

(6.0)

(6.6)

(4.2)

(2.8)

(3.0)

20% and above

115059

9808

6113

202982

12032

4727

 

(2.6)

(1.2)

(0.9)

(3.4)

(1.0)

(0.5)

Total loans & advances

4416904

848268

657838

5965759

1239842

884784

 

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Inland & foreign bills purchased/discounted

73548

104185

59774

78674

130649

67805

Total

4490452

952453

717612

6044433

1370491

952589

Notes :
1. Data relate to accounts each with credit limit over Rs.2 lakh.
2. Figures in bracket represent per cent share in total loans and advances.
Source: Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 34, March 2005.

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