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

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

OCCUPATION

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

nding

nding

nding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

11,895

21,86

15,95

8,397

18,92

16,40

-

-

-

1.

Direct Finance

11,848

21,16

15,34

8,327

18,29

15,78

-

-

-

2.

Indirect Finance

47

70

61

70

64

62

-

-

-

II.

INDUSTRY

4,081

81,09

68,62

4,609

103,27

91,97

3

9

8

1.

Mining & Quarrying

5

8

4

25

1,48

82

-

-

-

2.

Food Manufacturing and Processing

286

20,17

17,87

258

19,00

15,73

-

-

-

(a) Rice Mills, Flour and Dal Mills

58

3,71

2,64

87

9,39

7,16

-

-

-

(b) Sugar

1

-

3

1

2

2

-

-

-

(c) Edible Oils and Vanaspati

77

2,00

1,35

63

2,61

2,21

-

-

-

(d) Tea Processing

-

-

-

2

4

7

-

-

-

(e) Processing of Fruits & Vegetables

1

2

2

5

8

7

-

-

-

(f) Others

149

14,45

13,82

100

6,86

6,20

-

-

-

3.

Beverage and Tobacco

6

17,08

15,14

13

27

31

-

-

-

4.

Textiles

184

5,41

4,77

352

10,92

8,22

-

-

-

(a) Cotton Textiles

11

2,47

2,41

22

4,98

3,15

-

-

-

(b) Jute Textiles

1

5

4

5

17

22

-

-

-

(c) Handloom Textiles & Khadi

4

5

5

17

22

19

-

-

-

(d) Other Textiles

168

2,84

2,27

308

5,55

4,66

-

-

-

5.

Paper, Paper Products and Printing

51

81

66

94

2,33

2,24

-

-

-

6.

Leather and Leather Products

36

64

42

39

61

62

-

-

-

7.

Rubber and Rubber Products

6

15

20

29

1,31

1,24

-

-

-

8.

Chemicals and Chemical Products

50

1,47

1,34

153

13,94

13,07

-

-

-

(a) Heavy Industrial Chemicals

2

30

21

6

28

44

-

-

-

(b) Fertilizers

-

-

-

1

17

19

-

-

-

(c) Drugs and Pharmaceuticals

16

45

50

34

2,95

3,46

-

-

-

(d) Non-Edible Oils

1

2

2

1

1

1

-

-

-

(e) Other Chemicals & Chemical Products

31

70

60

111

10,54

8,98

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

68

2,32

2,28

4

5

2

-

-

-

10.

Manufacture of Cement & Cement Products

4

14

14

28

4,31

3,21

-

-

-

11.

Basic Metals & Metal Products

192

6,12

5,07

163

8,97

7,02

-

-

-

(a) Iron and Steel

37

2,04

1,75

59

4,91

3,24

-

-

-

(b) Non-Ferrous Metals

5

9

8

7

17

23

-

-

-

(c) Other Metal Products

150

3,99

3,25

97

3,89

3,55

-

-

-

12.

Engineering

123

4,69

3,73

151

6,50

4,80

-

-

-

(a) Heavy Engineering

1

1

1

7

15

7

-

-

-

(b) Light Engineering

14

87

83

40

3,78

2,69

-

-

-

(c) Electrical Machinery & Goods

103

3,62

2,81

63

1,93

1,54

-

-

-

(d) Electronic Machinery & Goods

5

20

8

41

64

50

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

25

28

27

58

4,18

3,51

-

-

-

14.

Other Industries

3,000

21,19

16,21

3,190

25,32

26,17

2

1

-

15.

Electricity, Gas & Water

9

8

8

10

39

36

-

-

-

(a) Electricity Generation & Transmission

5

7

7

9

38

35

-

-

-

(b) Non-Conventional Energy

-

-

-

-

-

-

-

-

-

(c) Gas, Steam & Water Supply

4

1

1

1

1

1

-

-

-

16.

Construction

36

47

41

42

3,69

4,63

1

8

8

III.

TRANSPORT OPERATORS

1,899

39,00

30,01

1,294

18,31

16,58

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

148

3,22

2,29

6,681

15,62

14,30

2

2

1

V.

PERSONAL LOANS

3,041

26,27

22,40

17,264

50,75

46,88

85

86

75

1.

Loans for Purchase of Consumer Durables

150

1,38

1,17

1,855

2,09

1,66

-

-

-

2.

Loans for Housing

980

10,01

8,82

1,975

15,50

14,86

15

46

41

3.

Rest of the Personal Loans

1,911

14,88

12,42

13,434

33,15

30,37

70

40

34

VI.

TRADE

4,958

27,11

23,70

11,128

53,06

47,82

13

23

21

1.

Wholesale Trade

405

3,96

3,65

1,521

17,16

14,46

10

20

18

2.

Retail Trade

4,553

23,14

20,05

9,607

35,91

33,36

3

4

3

VII.

FINANCE

26

58

59

69

4,07

2,61

-

-

-

VIII.    ALL OTHERS

717

4,64

3,64

6,382

33,22

31,65

-

-

-

TOTAL BANK CREDIT

26,765

203,77

167,18

55,824

297,21

268,21

103

1,20

1,06

OF WHICH :

1. Artisans & Village Industries

698

2,29

2,19

1,186

2,20

2,46

1

1

-

2. Other Small Scale Industries

1,950

28,32

23,32

2,341

55,88

49,26

-

-

-

(Amount in Rupees Lakh)

REGIONAL RURAL BANKS

OTHER SCHEDULED COMMERCIAL BANKS

ALL SCHEDULED COMMERCIAL BANKS

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

OCCUPATION

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

Accounts

Limit

Outsta-

nding

nding

nding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

36,892

22,22

19,29

19,725

36,35

37,01

76,909

99,35

88,65

1.

Direct Finance

36,374

21,73

18,92

19,471

35,65

36,38

76,020

96,82

86,42

2.

Indirect Finance

518

50

37

254

70

63

889

2,53

2,23

II.

INDUSTRY

20,475

8,37

7,11

14,558

167,91

159,71

43,726

360,73

327,49

1.

Mining & Quarrying

1

1

-

17

1,76

3,09

48

3,33

3,94

2.

Food Manufacturing and Processing

73

12

10

488

28,77

29,95

1,105

68,06

63,65

(a) Rice Mills, Flour and Dal Mills

13

5

4

126

7,86

7,47

284

21,00

17,31

(b) Sugar

-

-

-

-

-

-

2

3

5

(c) Edible Oils and Vanaspati

3

2

2

171

16,31

18,91

314

20,94

22,48

(d) Tea Processing

-

-

-

-

-

-

2

4

7

(e) Processing of Fruits & Vegetables

-

-

-

1

19

24

17

28

33

(f) Others

57

4

5

180

4,41

3,33

486

25,76

23,41

3.

Beverage and Tobacco

-

-

-

46

6,71

5,35

65

24,06

20,79

4.

Textiles

1

1

1

1,451

41,53

31,45

1,988

57,87

44,45

(a) Cotton Textiles

-

-

-

39

22,06

15,10

72

29,50

20,66

(b) Jute Textiles

-

-

-

-

-

-

6

22

27

(c) Handloom Textiles & Khadi

-

-

-

38

36

32

59

64

56

(d) Other Textiles

1

1

1

1,374

19,11

16,02

1,851

27,51

22,97

5.

Paper, Paper Products and Printing

-

-

-

153

3,68

3,65

298

6,82

6,55

6.

Leather and Leather Products

2

1

1

186

2,56

2,39

263

3,83

3,43

7.

Rubber and Rubber Products

-

-

-

15

31

39

50

1,78

1,83

8.

Chemicals and Chemical Products

-

-

-

177

4,37

5,17

380

19,79

19,58

(a) Heavy Industrial Chemicals

-

-

-

8

40

61

16

98

1,27

(b) Fertilizers

-

-

-

-

-

-

1

17

19

(c) Drugs and Pharmaceuticals

-

-

-

79

1,27

1,28

129

4,67

5,24

(d) Non-Edible Oils

-

-

-

3

2

1

5

4

4

(e) Other Chemicals & Chemical Products

-

-

-

87

2,68

3,27

229

13,93

12,85

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

8

25

28

80

2,62

2,59

10.

Manufacture of Cement & Cement Products

-

-

-

46

2,06

2,00

78

6,51

5,35

11.

Basic Metals & Metal Products

2

1

1

313

23,50

24,82

670

38,60

36,93

(a) Iron and Steel

1

-

1

115

19,31

20,55

212

26,26

25,55

(b) Non-Ferrous Metals

-

-

-

19

46

18

31

72

50

(c) Other Metal Products

1

1

1

179

3,74

4,09

427

11,62

10,88

12.

Engineering

-

-

-

238

4,04

3,95

512

15,23

12,48

(a) Heavy Engineering

-

-

-

1

17

25

19

32

32

(b) Light Engineering

-

-

-

27

48

47

81

5,13

3,99

(c) Electrical Machinery & Goods

-

-

-

126

2,50

2,39

292

8,05

6,75

(d) Electronic Machinery & Goods

-

-

-

74

89

84

120

1,73

1,42

13.

Vehicles, Vehicle Parts & Transport Equipments

8

16

14

79

2,18

1,85

170

6,80

5,76

14.

Other Industries

20,388

8,06

6,83

11,157

39,40

38,64

37,737

93,98

87,85

15.

Electricity, Gas & Water

-

-

-

20

37

27

39

84

71

(a) Electricity Generation & Transmission

-

-

-

18

26

19

32

71

61

(b) Non-Conventional Energy

-

-

-

-

-

-

-

-

-

(c) Gas, Steam & Water Supply

-

-

-

2

10

8

7

13

10

16.

Construction

-

-

-

164

6,41

6,48

243

10,64

11,59

III.

TRANSPORT OPERATORS

5,491

9,60

8,17

4,823

53,89

46,46

13,507

120,80

101,22

IV.

PROFESSIONALAND OTHER SERVICES

1,089

74

61

4,243

18,81

20,86

12,163

38,42

38,06

V.

PERSONAL LOANS

5,476

7,53

7,46

28,534

75,98

69,40

54,400

161,39

146,90

1.

Loans for Purchase of Consumer Durables

48

3

3

1,689

2,02

1,61

3,742

5,52

4,46

2.

Loans for Housing

877

2,64

2,62

3,480

30,08

27,28

7,327

58,69

53,99

3.

Rest of the Personal Loans

4,551

4,86

4,81

23,365

43,89

40,51

43,331

97,18

88,44

VI.

TRADE

17,279

16,74

15,75

25,417

347,40

334,24

58,795

444,55

421,72

1.

Wholesale Trade

997

67

69

1,859

265,00

261,43

4,792

286,98

280,41

2.

Retail Trade

16,282

16,07

15,06

23,558

82,41

72,81

54,003

157,56

141,31

VII.

FINANCE

10

15

12

13

2,73

3,08

118

7,52

6,39

VIII.     ALL OTHERS

5,847

3,61

3,77

5,394

35,73

31,62

18,340

77,19

70,68

TOTAL BANK CREDIT

92,559

68,95

62,28

1,02,707

738,80

702,38

2,77,958

1309,94

1201,11

OF WHICH :

1. Artisans & Village Industries

18,708

7,34

6,21

6,083

9,21

8,12

26,676

21,06

18,98

2. Other Small Scale Industries

1,458

76

68

5,762

61,07

55,12

11,511

146,04