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 AND ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN BANKS

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

nding

nding

nding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

79,598

486,28

416,20

2,04,568

671,89

581,67

-

-

-

1.

Direct Finance

78,843

386,63

332,37

2,02,373

624,12

541,56

-

-

-

2.

Indirect Finance

755

99,66

83,83

2,195

47,78

40,11

-

-

-

II.

INDUSTRY

15,933

829,43

689,60

42,734

2029,92

1719,45

240

588,01

466,22

1.

Mining & Quarrying

30

1,29

1,39

207

21,27

16,63

3

12,50

7,69

2.

Food Manufacturing and Processing

955

107,84

82,49

2,221

380,69

312,54

7

35,81

14,63

(a) Rice Mills, Flour and Dal Mills

714

98,92

75,45

1,205

303,21

250,39

-

-

-

(b) Sugar

-

-

-

7

11,58

7,71

2

2,15

13

(c) Edible Oils and Vanaspati

82

3,64

2,99

373

39,57

31,78

-

-

-

(d) Tea Processing

-

-

-

4

15

12

-

-

-

(e) Processing of Fruits & Vegetables

4

11

10

23

6,94

6,99

-

-

-

(f) Others

155

5,17

3,94

609

19,25

15,55

5

33,66

14,50

3.

Beverage and Tobacco

6

6

3

38

6,54

6,20

-

-

-

4.

Textiles

1,899

178,90

142,34

3,571

329,32

271,76

6

11,07

10,17

(a) Cotton Textiles

212

29,97

19,05

1,251

148,31

121,16

-

-

-

(b) Jute Textiles

26

82

52

25

99

80

-

-

-

(c) Handloom Textiles & Khadi

872

101,59

81,72

895

45,48

37,43

-

-

-

(d) Other Textiles

789

46,52

41,05

1,400

134,54

112,36

6

11,07

10,17

5.

Paper, Paper Products and Printing

128

3,13

2,77

527

82,35

78,94

5

4,97

4,11

6.

Leather and Leather Products

65

1,42

1,18

160

23,19

17,99

-

-

-

7.

Rubber and Rubber Products

179

12,20

9,31

414

34,89

31,27

26

88,58

80,62

8.

Chemicals and Chemical Products

467

75,31

70,81

1,244

235,72

207,21

13

42,23

41,60

(a) Heavy Industrial Chemicals

16

1,97

65

110

17,14

17,59

-

-

-

(b) Fertilizers

12

7,50

5,28

9

6,52

5,56

-

-

-

(c) Drugs and Pharmaceuticals

118

34,03

29,57

287

61,02

64,63

6

34,42

34,72

(d) Non-Edible Oils

34

3,36

3,32

31

5,49

3,94

-

-

-

(e) Other Chemicals & Chemical Products

287

28,45

32,00

807

145,55

115,49

7

7,80

6,88

9.

Petroleum, Coal Products & Nuclear Fuels

76

5,41

4,53

72

11,95

15,36

-

-

-

10.

Manufacture of Cement & Cement Products

33

2,09

1,68

129

6,67

5,99

-

-

-

11.

Basic Metals & Metal Products

1,284

145,70

125,89

2,440

303,87

268,73

28

30,41

30,65

(a) Iron and Steel

461

106,82

91,93

837

197,46

181,53

7

14,15

14,08

(b) Non-Ferrous Metals

29

1,25

1,99

213

22,95

19,51

3

10,44

10,44

(c) Other Metal Products

794

37,62

31,97

1,390

83,46

67,69

18

5,83

6,13

12.

Engineering

898

60,53

46,74

2,579

288,79

234,40

91

203,69

150,56

(a) Heavy Engineering

77

10,90

8,30

475

99,70

73,85

34

71,59

38,24

(b) Light Engineering

661

30,31

20,44

12,87

108,12

87,96

47

117,48

104,36

(c) Electrical Machinery & Goods

116

9,87

8,81

589

36,92

28,38

8

10,89

4,64

(d) Electronic Machinery & Goods

44

9,44

9,19

228

44,05

44,20

2

3,73

3,33

13.

Vehicles, Vehicle Parts & Transport Equipments

305

23,28

16,74

751

105,78

88,57

51

49,66

36,03

14.

Other Industries

9,544

209,75

180,38

28,181

172,44

145,31

7

93,05

74,79

15.

Electricity, Gas & Water

9

1,35

2,31

157

13,78

9,68

-

-

-

(a) Electricity Generation & Transmission

9

1,35

2,31

139

12,98

9,15

-

-

-

(b) Non-Conventional Energy

-

-

-

9

28

31

-

-

-

(c) Gas, Steam & Water Supply

-

-

-

9

52

22

-

-

-

16.

Construction

55

1,17

1,00

43

12,66

8,89

3

16,05

15,39

III.

TRANSPORT OPERATORS

4,242

36,48

31,08

11,515

61,51

50,67

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

1,245

10,99

8,68

19,494

83,79

67,70

2

2,30

2,30

V.

PERSONAL LOANS

29,991

147,73

126,10

1,22,944

402,31

357,18

686

3,30

3,14

1.

Loans for Purchase of Consumer Durables

595

1,82

1,44

4,088

8,39

6,98

-

-

-

2.

Loans for Housing

5,349

65,15

55,88

15,940

132,11

122,53

-

-

-

3.

Rest of the Personal Loans

24,047

80,76

68,78

1,02,916

261,80

227,66

686

3,30

3,14

VI.

TRADE

21,014

160,88

138,66

86,076

406,14

341,38

5

99

90

1.

Wholesale Trade

2,209

38,09

32,08

3,584

168,80

148,99

5

99

90

2.

Retail Trade

18,805

122,79

106,58

82,492

237,34

192,39

-

-

-

VII.

FINANCE

106

1,50

1,17

240

24,16

23,38

7

18,50

20,50

VIII.   ALL OTHERS

4,888

44,34

34,62

53,772

241,48

210,00

-

-

-

TOTAL BANK CREDIT

1,57,017

1717,64

1446,11

5,41343

3921,20

3351,41

940

613,10

493,07

OF WHICH :

1. Artisans & Village Industries

1,946

24,70

20,36

8,183

16,53

14,52

-

-

-

2. Other Small Scale Industries

9,455

361,04

297,41

23,838

708,68

574,56

51

24,13

19,10

(Amount in Rupees Lakh)

REGIONAL RURAL BANKS

OTHER SCHEDULED COMMERCIAL BANKS

ALL SCHEDULED COMMERCIAL BANKS

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

nding

nding

nding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

1,28,892

180,47

146,39

213

1,09

87

4,13,271

1339,73

1145,12

1.

Direct Finance

1,27,178

178,05

144,75

213

1,09

87

4,08,607

1189,88

1019,55

2.

Indirect Finance

1,714

2,42

1,63

-

-

-

4,664

149,85

125,57

II.

INDUSTRY

19,483

17,58

14,11

324

70,44

61,42

78,714

3535,38

2950,80

1.

Mining & Quarrying

421

1,88

1,78

1

2

2

662

36,96

27,50

2.

Food Manufacturing and Processing

98

34

32

15

2,48

2,48

3,296

527,16

412,45

(a) Rice Mills, Flour and Dal Mills

7

3

3

6

8

8

1,932

402,24

325,95

(b) Sugar

-

-

-

1

1,00

1,05

10

14,73

8,89

(c) Edible Oils and Vanaspati

7

4

3

4

1,28

1,26

466

44,53

36,06

(d) Tea Processing

-

-

-

-

-

-

4

15

12

(e) Processing of Fruits & Vegetables

74

25

24

-

-

-

101

7,30

7,34

(f) Others

10

2

2

4

12

10

783

58,22

34,11

3.

Beverage and Tobacco

-

-

-

1

23

23

45

6,83

6,45

4.

Textiles

5

1

10

61

11,04

10,07

5,542

530,44

434,44

(a) Cotton Textiles

2

10

9

8

2,93

2,76

1,473

181,30

143,07

(b) Jute Textiles

-

-

-

1

-

-

52

1,81

1,33

(c) Handloom Textiles & Khadi

-

-

-

35

66

54

1,802

147,73

119,68

(d) Other Textiles

3

1

1

17

7,45

6,77

2,215

199,60

170,35

5.

Paper, Paper Products and Printing

6

17

15

14

2,54

2,23

680

93,17

88,21

6.

Leather and Leather Products

1

-

-

2

40

32

228

25,02

19,49

7.

Rubber and Rubber Products

1

1

-

1

6

5

621

135,72

121,25

8.

Chemicals and Chemical Products

7

17

13

51

4,14

3,86

1,782

357,56

323,61

(a) Heavy Industrial Chemicals

-

-

-

-

-

-

126

19,11

18,24

(b) Fertilizers

-

-

-

2

2

4

23

14,03

10,87

(c) Drugs and Pharmaceuticals

3

8

6

10

2,34

2,32

424

131,90

131,30

(d) Non-Edible Oils

-

-

-

-

-

-

65

8,85

7,26

(e) Other Chemicals & Chemical Products

4

9

7

39

1,78

1,51

1,144

183,67

155,95

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

148

17,37

19,89

10.

Manufacture of Cement & Cement Products

1

1

1

1

20

21

164

8,97

7,89

11.

Basic Metals & Metal Products

4

3

2

30

27,11

23,61

3,786

507,11

448,89

(a) Iron and Steel

1

1

1

12

26,68

23,20

1,318

345,12

310,74

(b) Non-Ferrous Metals

-

-

-

-

-

-

245

34,64

31,94

(c) Other Metal Products

3

2

1

18

43

41

2,223

127,36

106,21

12.

Engineering

8

3

3

80

14,23

10,80

3,656

567,27

442,53

(a) Heavy Engineering

3

1

1

3

16

21

592

182,36

120,61

(b) Light Engineering

1

1

1

75

9,03

6,19

2,071

264,95

218,96

(c) Electrical Machinery & Goods

3

1

1

1

5,00

4,36

717

62,69

46,20

(d) Electronic Machinery & Goods

1

-

-

1

4

4

276

57,27

56,76

13.

Vehicles, Vehicle Parts & Transport Equipments

10

23

15

17

1,57

1,21

1,134

180,51

142,70

14.

Other Industries

18,919

14,53

11,36

48

6,32

6,27

56,699

496,09

418,11

15.

Electricity, Gas & Water

2

8

5

-

-

-

168

15,22

12,04

(a) Electricity Generation & Transmission

1

3

3

-

-

-

149

14,37

11,48

(b) Non-Conventional Energy

-

-

-

-

-

-

9

28

31

(c) Gas, Steam & Water Supply

1

5

2

-

-

-

10

57

24

16.

Construction

-

-

-

2

1

6

103

29,99

25,34

III.

TRANSPORT OPERATORS

16,048

29,01

22,43

41

75

65

31,846

127,76

104,84

IV.

PROFESSIONAL AND OTHER SERVICES

1,819

3,07

2,05

44

56

39

22,604

100,71

81,12

V.

PERSONAL LOANS

28,761

38,07

33,56

1,464

6,38

5,29

1,83,846

597,79

525,27

1.

Loans for Purchase of Consumer Durables

1,403

2,27

1,94

94

21

18

6,180

12,69

10,54

2.

Loans for Housing

1,524

5,74

5,64

52

62

58

22,865

203,62

184,63

3.

Rest of the Personal Loans

25,834

30,06

25,97

1,318

5,56

4,54

1,54,801

381,49

330,10

VI.

TRADE

49,211

50,58

43,37

918

18,91

15,35

1,57,224

637,50

539,65

1.

Wholesale Trade

3,641

3,80

3,69

182

9,03

7,88

9,621

220,72

193,54

2.

Retail Trade

45,570

46,78

39,68

736

9,87

7,46

1,47,603

416,79

346,11

VII.

FINANCE

-

-

-

14

5,84

1,06

367

49,99

46,12

VIII.    ALL OTHERS

9,734

8,21

6,58

185

3,95

2,55

68,579

297,98

253,75

TOTAL BANK CREDIT

2,53,948

326,98

268,49

3,203

107,92

87,59

9,56,451

6686,84

5646,67

OF WHICH :

1. Artisans & Village Industries

18,077

13,48

10,47

11

3

2

28,217

54,73

45,37

2. Other Small Scale Industries

796

1,10

91

176

21,02

19,88

34,316

1115,97

911,86