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

2,314

106,01

92,04

8,709

379,15

286,83

94

12,47

13,33

1.

Direct Finance

1,624

27,50

20,40

7,891

91,11

79,35

55

1,33

1,32

2.

Indirect Finance

690

78,51

71,64

818

288,03

207,48

39

11,14

12,02

II.

INDUSTRY

12,783

4608,29

3508,89

45,524

9013,49

7056,01

5,791

3768,62

3159,76

1.

Mining & Quarrying

32

21,32

18,23

98

95,66

75,40

12

17

16

2.

Food Manufacturing and Processing

156

173,27

110,00

683

350,14

256,25

124

416,60

343,54

(a)

Rice Mills, Flour and Dal Mills

42

93,22

56,40

215

68,52

62,09

12

10,14

2,50

(b)

Sugar

15

13,55

9,82

23

81,35

58,54

4

1,68

12

(c)

Edible Oils and Vanaspati

23

31,42

21,17

45

88,90

35,54

19

6,98

5,12

(d)

Tea Processing

-

-

-

3

32

29

-

-

-

(e)

Processing of Fruits & Vegetables

3

4

4

39

34,75

33,29

2

1

1

(f)

Others

73

35,03

22,57

358

76,30

66,49

87

397,80

335,79

3.

Beverage and Tobacco

14

27,17

19,58

59

74,63

66,08

36

29,35

21,32

4.

Textiles

1,069

475,32

371,21

5,047

1481,21

1153,57

362

256,59

202,35

(a)

Cotton Textiles

79

93,95

72,70

647

208,93

161,53

138

133,67

104,30

(b)

Jute Textiles

2

12

1

26

4,56

4,18

9

15

15

(c)

Handloom Textiles & Khadi

31

4,52

1,83

81

4,62

3,31

21

50

50

(d)

Other Textiles

957

376,72

296,57

4,293

1263,10

984,55

194

122,26

97,40

5.

Paper, Paper Products and Printing

331

69,57

61,25

2,252

275,24

234,98

139

229,63

213,13

6.

Leather and Leather Products

74

28,29

17,18

771

367,75

257,67

62

34,80

28,10

7.

Rubber and Rubber Products

156

84,81

74,06

631

193,91

135,92

71

87,16

81,27

8.

Chemicals and Chemical Products

1,175

829,88

676,01

2,904

970,55

679,80

375

487,73

379,84

(a)

Heavy Industrial Chemicals

51

50,14

21,99

282

58,57

47,50

105

139,32

84,79

(b)

Fertilizers

59

272,21

223,41

68

229,47

135,37

7

2,19

3,28

(c)

Drugs and Pharmaceuticals

447

336,79

292,64

492

401,57

286,67

122

221,49

191,16

(d)

Non-Edible Oils

13

5,73

4,59

33

5,98

5,00

10

3,68

3,68

(e)

Other Chemicals & Chemical Products

605

165,01

133,40

2,029

274,97

205,25

131

121,05

96,94

9.

Petroleum, Coal Products & Nuclear Fuels

80

41,63

28,77

116

83,65

81,83

39

34,07

23,85

10.

Manufacture of Cement & Cement Products

45

83,77

60,22

82

61,48

54,26

72

92,82

84,92

11.

Basic Metals & Metal Products

731

648,23

453,48

2,948

2136,07

1742,20

309

154,69

151,56

(a)

Iron and Steel

319

593,92

403,75

1,033

1914,89

1571,56

124

129,37

127,99

(b)

Non-Ferrous Metals

55

16,77

14,44

356

71,31

51,16

46

4,23

3,49

(c)

Other Metal Products

357

37,55

35,29

1,559

149,87

119,48

139

21,09

20,08

12.

Engineering

1,594

666,29

463,22

5,005

1397,91

1079,45

531

1001,21

847,65

(a)

Heavy Engineering

126

134,37

46,41

423

207,09

146,53

94

180,46

130,14

(b)

Light Engineering

360

84,68

49,99

1,671

371,34

283,12

227

320,79

289,96

(c)

Electrical Machinery & Goods

748

92,52

72,06

1,690

337,30

278,54

54

96,95

66,07

(d)

Electronic Machinery & Goods

360

354,72

294,76

1,221

482,18

371,27

156

403,02

361,48

13.

Vehicles, Vehicle Parts & Transport Equipments

285

137,27

84,94

1,568

266,35

201,60

155

252,17

196,35

14.

Other Industries

4,911

279,11

239,01

22,297

714,97

573,85

3,412

452,35

406,88

15.

Electricity, Gas & Water

2,042

628,15

448,74

349

190,80

149,15

62

35,64

11,25

(a)

Electricity Generation & Transmission

2,034

627,54

448,22

295

179,98

140,22

17

15,08

3,49

(b)

Non-Conventional Energy

7

49

40

13

64

65

7

18,68

5,94

(c)

Gas, Steam & Water Supply

1

12

12

41

10,18

8,28

38

1,88

1,82

16.

Construction

88

414,18

382,99

714

353,16

314,01

30

203,65

167,61

III.

TRANSPORT OPERATORS

1,816

22,61

16,94

7,121

125,56

97,90

98

23,51

7,49

IV.

PROFESSIONAL AND OTHER SERVICES

1,566

105,79

83,86

14,642

508,33

428,07

955

696,75

352,99

V.

PERSONAL LOANS

70,542

281,97

252,53

2,06,250

945,17

813,36

2,13,855

1133,11

956,65

1.

Loans for Purchase of Consumer Durables

3,160

8,66

7,46

4,788

15,36

12,75

57

41

41

2.

Loans for Housing

4,123

56,24

48,29

22,021

304,29

259,27

307

29,14

29,14

3.

Rest of the Personal Loans

63,259

217,07

196,77

1,79,441

625,51

541,34

2,13,491

1103,55

927,10

VI.

TRADE

13,480

2139,35

1621,47

43,348

2495,07

1935,10

1,803

214,66

147,41

1.

Wholesale Trade

2,311

2060,93

1561,47

12,886

2024,55

1556,75

214

178,46

126,02

2.

Retail Trade

11,169

78,42

60,00

30,462

470,52

378,35

1,589

36,20

21,39

VII.

FINANCE

134

84,53

69,82

1,038

706,31

507,39

112

123,43

120,82

VIII.

ALL OTHERS

16,765

662,67

600,89

1,24,260

2021,36

1819,33

4,029

211,05

120,66

TOTAL BANK CREDIT

1,19,400

8011,21

6246,44

4,50,892

16194,44

12943,98

2,26,737

6183,60

4879,11

OF WHICH :

1.

Artisans & Village Industries

219

3,90

2,93

1,906

18,69

16,20

24

36

36

2.

Other Small Scale Industries

5,499

408,06

363,37

26,353

1797,57

1359,17

128

101,90

76,20

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

-

-

-

475

2,95

2,96

11,592

500,58

395,17

1.

Direct Finance

-

-

-

466

1,74

2,24

10,036

121,68

103,30

2.

Indirect Finance

-

-

-

9

1,21

72

1,556

378,89

291,86

II.

INDUSTRY

-

-

-

2,875

1068,90

914,96

66,973

18459,29

14639,62

1.

Mining & Quarrying

-

-

-

1

7,25

9,46

153

124,40

103,25

2.

Food Manufacturing and Processing

-

-

-

80

64,67

57,64

1,043

1004,69

767,42

(a)

Rice Mills, Flour and Dal Mills

-

-

-

25

46,03

41,92

294

217,90

162,91

(b)

Sugar

-

-

-

3

11,53

9,49

45

108,12

77,98

(c)

Edible Oils and Vanaspati

-

-

-

5

17

16

92

127,47

61,98

(d)

Tea Processing

-

-

-

-

-

-

3

32

29

(e)

Processing of Fruits & Vegetables

-

-

-

1

1

-

45

34,82

33,34

(f)

Others

-

-

-

46

6,94

6,06

564

516,07

430,91

3.

Beverage and Tobacco

-

-

-

18

16,01

13,49

127

147,16

120,48

4.

Textiles

-

-

-

691

231,41

175,87

7,169

2444,52

1903,00

(a)

Cotton Textiles

-

-

-

78

35,04

31,83

942

471,59

370,36

(b)

Jute Textiles

-

-

-

-

-

-

37

4,84

4,43

(c)

Handloom Textiles & Khadi

-

-

-

5

13

12

138

9,78

5,76

(d)

Other Textiles

-

-

-

608

196,24

143,92

6,052

1958,31

1522,44

5.

Paper, Paper Products and Printing

-

-

-

239

12,03

11,98

2,961

586,48

521,34

6.

Leather and Leather Products

-

-

-

76

25,76

20,97

983

456,60

323,93

7.

Rubber and Rubber Products

-

-

-

38

30,08

27,29

896

395,95

318,53

8.

Chemicals and Chemical Products

-

-

-

230

98,03

84,50

4,684

2386,20

1820,15

(a)

Heavy Industrial Chemicals

-

-

-

10

3,87

3,36

448

251,89

157,63

(b)

Fertilizers

-

-

-

5

20,44

20,54

139

524,32

382,59

(c)

Drugs and Pharmaceuticals

-

-

-

48

30,74

26,47

1,109

990,60

796,94

(d)

Non-Edible Oils

-

-

-

1

2,00

1,31

57

17,38

14,58

(e)

Other Chemicals & Chemical Products

-

-

-

166

40,98

32,82

2,931

602,02

468,41

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

4

40

39

239

159,75

134,84

10.

Manufacture of Cement & Cement Products

-

-

-

1

2

1

200

238,09

199,40

11.

Basic Metals & Metal Products

-

-

-

289

111,98

93,16

4,277

3050,98

2440,39

(a)

Iron and Steel

-

-

-

87

71,02

63,15

1,563

2709,20

2166,45

(b)

Non-Ferrous Metals

-

-

-

9

4,76

2,59

466

97,07

71,67

(c)

Other Metal Products

-

-

-

193

36,20

27,41

2,248

244,71

202,27

12.

Engineering

-

-

-

434

162,22

145,55

7,564

3227,63

2535,87

(a)

Heavy Engineering

-

-

-

49

12,69

12,67

692

534,61

335,74

(b)

Light Engineering

-

-

-

179

23,24

21,68

2,437

800,05

644,76

(c)

Electrical Machinery & Goods

-

-

-

114

49,23

45,02

2,606

576,00

461,68

(d)

Electronic Machinery & Goods

-

-

-

92

77,05

66,18

1,829

1316,97

1093,69

13.

Vehicles, Vehicle Parts & Transport Equipments

-

-

-

177

83,58

71,19

2,185

739,38

554,08

14.

Other Industries

-

-

429

96,95

85,24

31,049

1543,39

1304,97

15.

Electricity, Gas & Water

-

-

-

7

1,53

1,58

2,460

856,11

610,71

(a)

Electricity Generation & Transmission

-

-

-

5

50

53

2,351

823,10

592,45

(b)

Non-Conventional Energy

-

-

-

2

1,03

1,05

29

20,84

8,04

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

80

12,17

10,22

16.

Construction

-

-

-

151

126,96

116,64

983

1097,95

981,25

III.

TRANSPORT OPERATORS

-

-

-

490

11,07

8,93

9,525

182,75

131,26

IV.

PROFESSIONAL AND OTHER SERVICES

-

-

-

2,793

83,74

76,46

19,956

1394,61

941,38

V.

PERSONAL LOANS

-

-

-

15,463

78,45

68,69

5,06,110

2438,69

2091,22

1.

Loans for Purchase of Consumer Durables

-

-

-

1,824

3,50

2,70

9,829

27,93

23,33

2.

Loans for Housing

-

-

-

326

15,17

12,82

26,777

404,85

349,52

3.

Rest of the Personal Loans

-

-

-

13,313

59,78

53,17

4,69,504

2005,92

1718,37

VI.

TRADE

-

-

-

3,929

464,54

368,71

62,560

5313,62

4072,69

1.

Wholesale Trade

-

-

-

2,413

364,43

293,56

17,824

4628,38

3537,80

2.

Retail Trade

-

-

-

1,516

100,11

75,14

44,736

685,24

534,89

VII.

FINANCE

-

-

-

208

199,17

160,19

1,492

1113,45

858,22

VIII.

ALL OTHERS

-

-

-

3,679

163,55

142,88

1,48,733

3058,63

2683,76

TOTAL BANK CREDIT

-

-

-

29,912

2072,37

1743,73

8,26,941