Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1997

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

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

1,754

33,39

25,18

3,988

204,13

122,90

-

-

-

1.

Direct Finance

1,550

3,11

2,67

1,939

59,48

49,31

-

-

-

2.

Indirect Finance

204

30,28

22,51

2,049

144,65

73,60

-

-

-

II.

INDUSTRY

2,515

389,24

334,84

3,618

640,53

498,24

32

66,88

72,55

1.

Mining & Quarrying

128

1,00

81

13

23

26

-

-

-

2.

Food Manufacturing and Processing

64

25,13

18,89

190

60,19

55,43

-

-

-

(a)

Rice Mills, Flour and Dal Mills

22

2,18

72

18

3,97

10,18

-

-

-

(b)

Sugar

6

21,26

16,77

7

25,72

21,89

-

-

-

(c)

Edible Oils and Vanaspati

-

-

-

-

-

-

-

-

-

(d)

Tea Processing

11

1,41

1,18

14

12,37

9,40

-

-

-

(e)

Processing of Fruits & Vegetables

-

-

-

4

44

43

-

-

-

(f)

Others

25

28

21

147

17,70

13,53

-

-

-

3.

Beverage and Tobacco

2

60

47

13

46

52

-

-

-

4.

Textiles

20

12,70

11,73

117

103,25

86,32

2

2,46

2,30

(a)

Cotton Textiles

1

1,00

67

41

30,79

26,47

-

-

-

(b)

Jute Textiles

1

4

2

1

2

2

-

-

-

(c)

Handloom Textiles & Khadi

-

-

-

4

8

5

-

-

-

(d)

Other Textiles

18

11,66

11,04

71

72,35

59,78

2

2,46

2,30

5.

Paper, Paper Products and Printing

35

8,82

6,82

180

23,58

21,16

-

-

-

6.

Leather and Leather Products

7

4,16

45

21

23,68

18,79

-

-

-

7.

Rubber and Rubber Products

23

1,52

1,34

52

3,25

3,75

-

-

-

8.

Chemicals and Chemical Products

370

23,16

22,40

268

68,80

52,42

1

75

75

(a)

Heavy Industrial Chemicals

10

86

87

52

32,32

19,41

-

-

-

(b)

Fertilizers

6

3,42

4,52

18

7,00

9,01

-

-

-

(c)

Drugs and Pharmaceuticals

271

13,00

11,65

55

20,18

15,20

-

-

-

(d)

Non-Edible Oils

2

8

7

3

2,96

2,94

-

-

-

(e)

Other Chemicals & Chemical Products

81

5,80

5,29

140

6,34

5,84

1

75

75

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

12

1,97

31

-

-

-

10.

Manufacture of Cement & Cement Products

15

56

37

17

1,98

1,32

-

-

-

11.

Basic Metals & Metal Products

494

19,23

16,53

360

114,53

77,02

-

-

-

(a)

Iron and Steel

297

11,37

10,06

144

61,44

46,95

-

-

-

(b)

Non-Ferrous Metals

4

94

1,04

12

4,41

2,54

-

-

-

(c)

Other Metal Products

193

6,93

5,43

204

48,68

27,52

-

-

-

12.

Engineering

205

48,58

46,27

522

140,02

110,70

22

59,44

66,32

(a)

Heavy Engineering

9

2,52

2,12

113

9,36

8,51

1

10,00

9,28

(b)

Light Engineering

101

9,63

11,71

193

8,66

8,93

4

1,28

3,63

(c)

Electrical Machinery & Goods

74

12,51

12,28

146

52,47

37,57

1

20,37

20,37

(d)

Electronic Machinery & Goods

21

23,92

20,15

70

69,54

55,70

16

27,80

33,04

13.

Vehicles, Vehicle Parts & Transport Equipments

30

47,47

47,10

102

20,43

10,45

7

4,22

3,17

14.

Other Industries

1,114

195,39

160,63

1,643

63,57

46,85

-

-

-

15.

Electricity, Gas & Water

-

-

-

46

10,24

8,71

-

-

-

(a)

Electricity Generation & Transmission

-

-

-

19

9,61

8,19

-

-

-

(b)

Non-Conventional Energy

-

-

-

24

6

2

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

3

57

50

-

-

-

16.

Construction

8

92

1,06

62

4,34

4,24

-

-

-

III.

TRANSPORT OPERATORS

231

3,63

3,28

1,076

11,70

10,78

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

384

2,87

2,08

1,764

32,57

28,19

-

-

-

V.

PERSONAL LOANS

7,178

78,43

61,11

28,614

95,72

80,92

236

1,98

1,93

1.

Loans for Purchase of Consumer Durables

265

1,35

1,18

1,749

7,63

6,65

-

-

-

2.

Loans for Housing

1,530

59,83

46,55

3,530

23,97

20,69

-

-

-

3.

Rest of the Personal Loans

5,383

17,26

13,38

23,335

64,11

53,58

236

1,98

1,93

VI.

TRADE

1,896

688,30

594,75

6,056

167,73

151,08

3

12,29

7,41

1.

Wholesale Trade

412

648,07

563,61

549

114,09

108,31

2

12,27

7,39

2.

Retail Trade

1,484

40,23

31,14

5,507

53,65

42,77

1

2

2

VII.

FINANCE

3

81

58

52

29,00

25,38

3

13,24

13,45

VIII.

ALL OTHERS

5,496

26,45

19,16

12,535

185,44

166,27

-

-

-

TOTAL BANK CREDIT

19,457

1223,11

1041,00

57,703

1366,83

1083,75

274

94,39

95,34

OF WHICH :

1.

Artisans & Village Industries

39

11

8

196

1,51

1,42

-

-

-

2.

Other Small Scale Industries

995

33,18

31,62

1,983

90,25

81,92

6

3,30

2,25

REGIONAL RURAL

OTHER SCHEDULED

ALL SCHEDULED

BANKS

COMMERCIAL BANKS

COMMERCIAL BANKS

OCCUPATION

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

I.

AGRICULTURE

-

-

-

3

4

4

5,745

237,56

148,12

1.

Direct Finance

-

-

-

3

4

4

3,492

62,63

52,02

2.

Indirect Finance

-

-

-

-

-

-

2,253

174,93

96,11

II.

INDUSTRY

-

-

-

91

33,26

27,50

6,256

1129,90

933,13

1.

Mining & Quarrying

-

-

-

2

66

68

143

1,89

1,74

2.

Food Manufacturing and Processing

-

-

-

8

5,43

4,12

262

90,75

78,44

(a)

Rice Mills, Flour and Dal Mills

-

-

-

-

-

-

40

6,15

10,90

(b)

Sugar

-

-

-

1

14

17

14

47,11

38,83

(c)

Edible Oils and Vanaspati

-

-

-

-

-

-

25

13,78

10,59

(d)

Tea Processing

-

-

-

-

-

-

-

-

-

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

4

44

43

(f)

Others

-

-

-

7

5,29

3,96

179

23,27

17,70

3.

Beverage and Tobacco

-

-

-

-

-

-

15

1,06

99

4.

Textiles

-

-

-

3

62

57

142

119,03

100,93

(a)

Cotton Textiles

-

-

-

1

49

45

43

32,28

27,59

(b)

Jute Textiles

-

-

-

-

-

-

2

6

4

(c)

Handloom Textiles & Khadi

-

-

-

-

-

-

4

8

5

(d)

Other Textiles

-

-

-

2

13

12

93

86,60

73,24

5.

Paper, Paper Products and Printing

-

-

-

5

1,23

92

220

33,63

28,90

6.

Leather and Leather Products

-

-

-

-

-

-

28

27,85

19,24

7.

Rubber and Rubber Products

-

-

-

2

95

59

77

5,72

5,68

8.

Chemicals and Chemical Products

-

-

-

8

1,75

1,56

647

94,46

77,13

(a)

Heavy Industrial Chemicals

-

-

-

4

12

5

66

33,29

20,34

(b)

Fertilizers

-

-

-

-

-

-

24

10,42

13,53

(c)

Drugs and Pharmaceuticals

-

-

-

-

-

-

326

33,18

26,85

(d)

Non-Edible Oils

-

-

-

-

-

-

5

3,04

3,01

(e)

Other Chemicals & Chemical Products

-

-

-

4

1,63

1,51

226

14,53

13,40

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

12

1,97

31

10.

Manufacture of Cement & Cement Products

-

-

-

-

-

-

32

2,54

1,69

11.

Basic Metals & Metal Products

-

-

-

17

12,39

9,86

871

146,15

103,41

(a)

Iron and Steel

-

-

-

16

12,38

9,86

457

85,19

66,87

(b)

Non-Ferrous Metals

-

-

-

-

-

-

16

5,35

3,58

(c)

Other Metal Products

-

-

-

1

1

1

398

55,61

32,96

12.

Engineering

-

-

-

6

5,69

5,73

755

253,74

229,02

(a)

Heavy Engineering

-

-

-

1

35

18

124

22,24

20,10

(b)

Light Engineering

-

-

-

4

5,14

5,35

302

24,70

29,61

(c)

Electrical Machinery & Goods

-

-

-

1

20

20

222

85,55

70,42

(d)

Electronic Machinery & Goods

-

-

-

-

-

-

107

121,26

108,89

13.

Vehicles, Vehicle Parts & Transport Equipments

-

-

-

12

71

69

151

72,83

61,42

14.

Other Industries

-

-

-

14

2,26

1,50

2,771

261,22

208,98

15.

Electricity, Gas & Water

-

-

-

2

21

4

48

10,45

8,75

(a)

Electricity Generation & Transmission

-

-

-

2

21

4

21

9,82

8,23

(b)

Non-Conventional Energy

-

-

-

-

-

-

24

6

2

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

3

57

50

16.

Construction

-

-

-

12

1,38

1,22

82

6,64

6,51

III.

TRANSPORT OPERATORS

-

-

-

4

27

15

1,311

15,60

14,21

IV.

PROFESSIONAL AND OTHER SERVICES

-

-

-

34

1,07

99

2,182

36,51

31,26

V.

PERSONAL LOANS

-

-

-

645

5,97

5,14

36,673

182,11

149,11

1.

Loans for Purchase of Consumer Durables

-

-

-

2

5

5

2,016

9,03

7,88

2.

Loans for Housing

-

-

-

35

1,54

1,29

5,095

85,35

68,53

3.

Rest of the Personal Loans

-

-

-

608

4,38

3,80

29,562

87,73

72,70

VI.

TRADE

-

-

-

110

9,28

8,34

8,065

877,60

761,58

1.

Wholesale Trade

-

-

-

35

4,05

3,41

998

778,47

682,71

2.

Retail Trade

-

-

-

75

5,23

4,93

7,067

99,13

78,87

VII.

FINANCE

-

-

-

13

25,60

25,44

71

68,64

64,84

VIII.

ALL OTHERS

-

-

-

233

11,35

9,02

18,264

223,24

194,45

TOTAL BANK CREDIT

-

-

-

1,133

86,84

76,62

78,567

2771,16

2296,70

OF WHICH :

1.

Artisans & Village Industries

-

-

-

6

5

5

241

1,66

1,55

2.

Other Small Scale Industries

-

-

-

16

1,86

1,42

3,000

128,59

117,21