NORTHERN REGION (Contd.)

STATE : PUNJAB

 (Amount in Rupees Lakh)

OCCUPATION

STATE BANK OF INDIA AND
ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN BANKS

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

3,60,182

6396,04

5189,56

4,42,381

10735,12

9036,42

-

-

-

1. Direct Finance

3,56,553

5966,80

4854,44

4,29,167

7675,68

6304,30

-

-

-

2. Indirect Finance

3,629

429,24

335,12

13,214

3059,44

2732,12

-

-

-

II.

INDUSTRY

23,422

17190,60

12553,06

93,453

28466,02

19587,69

498

437,00

216,46

1. Mining & Quarrying

156

45,32

37,57

239

1419,92

144,73

-

-

-

2. Food Manufacturing & Processing

3,460

2471,24

1899,68

5,325

2763,16

1739,80

6

6,50

4,36

  (a) Rice Mills, Flour & Dal Mills

1,882

1316,76

1015,84

2,648

1340,41

1035,94

2

6,22

4,08

  (b) Sugar

30

276,49

229,61

26

206,72

163,56

-

-

-

  (c) Edible Oils & Vanaspati

243

224,44

174,29

243

293,65

187,62

-

-

-

  (d) Tea Processing

12

1,85

1,64

6

9

7

1

8

8

  (e) Processing of Fruits & Vegetables

35

5,15

4,07

36

4,70

4,03

-

-

-

  (f) Others

1,258

646,54

474,23

2,366

917,59

348,58

3

21

21

3. Beverage & Tobacco

93

77,53

54,17

76

172,75

123,27

2

18

18

4. Textiles

5,721

8268,83

5746,80

18,626

6354,86

4422,82

32

140,57

16,52

  (a) Cotton Textiles

1,146

2849,64

1907,23

6,826

2861,66

2051,20

16

132,03

12,76

  (b) Jute & Other Natural Fibre Textiles

58

53,20

50,41

1,672

56,09

51,01

-

-

-

  (c) Handloom Textiles & Khadi

1,137

120,28

90,90

1,223

70,75

21,98

-

-

-

  (d) Other Textiles & Textile Products

3,380

5245,71

3698,25

8,905

3366,35

2298,64

16

8,55

3,76

5. Paper, Paper Products & Printing

708

655,14

550,09

1,637

435,79

354,56

5

2,13

1,10

6. Woods and Wood Products

795

43,97

37,51

925

40,26

31,92

2

27

27

7. Leather & Leather Products

266

34,19

26,18

385

129,12

95,21

-

-

-

8. Gems and Jewellery

262

126,77

97,19

69

7,54

6,17

1

20

20

9. Rubber & Plastic Products

905

231,44

182,95

1,520

272,45

201,46

1

5

5

10. Chemicals & Chemical Products

791

305,00

240,33

1,769

629,40

529,48

4

2,62

1,73

  (a) Heavy Industrial Chemicals

75

62,35

53,44

115

210,12

186,34

1

1,40

51

  (b) Fertilisers

32

7,53

5,72

146

3,13

1,63

-

-

-

  (c) Drugs & Pharmaceuticals

91

42,07

32,67

491

303,28

262,40

-

-

-

  (d) Non-Edible Oils

52

18,67

16,48

8

4,94

3,26

-

-

-

  (e) Other Chemicals & Chemical Products

541

174,38

132,02

1,009

107,94

75,85

3

1,22

1,22

11. Petroleum, Coal Products & Nuclear Fuels

84

12,18

9,81

74

1025,49

326,14

1

77

77

12. Manufacture of Cement & Cement Products

345

40,56

30,92

442

66,49

51,47

-

-

-

13. Basic Metals & Metal Products

2,809

2203,79

1497,15

9,400

4953,37

3737,23

60

90,10

36,78

  (a) Iron & Steel

1,261

1571,84

1021,94

1,402

1131,46

829,44

5

12,30

1,96

  (b) Non-Ferrous Metals

346

131,99

89,94

158

43,44

28,30

2

14,51

3,43

  (c) Metal Products

1,202

499,96

385,27

7,840

3778,47

2879,50

53

63,30

31,39

14. Engineering

3,035

898,04

679,44

7,629

1769,16

1366,57

28

15,49

14,80

  (a) Heavy Engineering

362

117,66

95,73

2,223

875,79

689,89

5

2,30

2,19

  (b) Light Engineering

2,107

476,04

344,99

4,365

701,53

513,08

17

11,21

10,81

  (c) Electrical Machinery & Goods

428

185,55

154,84

785

184,72

158,96

5

1,69

1,51

  (d) Electronic Machinery & Goods

138

118,79

83,89

256

7,12

4,64

1

28

28

15. Vehicles, Vehicle Parts & Transport Equipments

1,659

769,05

579,48

3,083

857,78

646,21

33

120,56

85,44

16. Other Industries

1,341

162,99

129,29

37,719

3094,44

2466,81

274

47,28

45,74

17. Electricity, Gas & Water

84

432,20

421,86

78

2482,22

1966,67

2

24

24

  (a) Electricity Generation & Transmission

17

424,21

416,37

50

2457,34

1942,79

-

-

-

  (b) Non-Conventional Energy

54

4,24

2,99

10

20,89

20,93

-

-

-

  (c) Gas, Steam & Water Supply

13

3,75

2,50

18

3,99

2,95

2

24

24

18. Construction

908

412,38

332,66

4,457

1991,83

1377,15

47

10,02

8,28

  (a) Other than Infrastructure

621

206,60

161,75

3,307

440,80

316,87

6

3,46

3,46

  (b) Infrastructure Construction

287

205,78

170,90

1,150

1551,03

1060,28

41

6,56

4,81

III.

TRANSPORT OPERATORS

1,886

124,96

94,30

3,474

120,35

106,44

18

1,45

1,45

IV.

PROFESSIONAL AND OTHER SERVICES

8,769

1190,79

850,33

45,312

2881,28

2292,42

2,559

168,35

124,69

1. Professional Services

444

91,12

79,80

4,554

445,25

403,07

370

45,13

45,08

2. Tourism, Hotel & Restaurants

383

205,30

146,39

861

241,77

219,35

12

5,06

5,06

3. Recreation services

198

26,60

21,06

377

64,41

48,04

13

1,09

1,09

4. IT and Telecommunications

84

7,05

5,97

71

11,40

10,53

14

2,08

2,08

5. Others

7,660

860,72

597,12

39,449

2118,45

1611,42

2,150

114,99

71,38

V.

PERSONAL LOANS

2,70,072

6553,82

4992,24

2,81,628

6811,89

5497,70

4,408

142,12

110,48

1. Housing

77,762

3256,08

2633,83

77,907

3379,93

2914,47

753

61,05

58,15

2. Consumer Durables

5,304

36,76

28,87

20,622

188,41

128,94

-

-

-

3. Vehicles

28,385

690,37

539,54

21,834

391,20

327,52

89

48

10

4. Education

9,962

468,64

246,77

13,762

447,70

313,11

-

-

-

5. Personal Credit Cards

-

-

-

4,689

23,40

13,87

389

11,69

2,13

6. Others

1,48,659

2101,96

1543,23

1,42,814

2381,24

1799,78

3,177

68,89

50,10

VI.

TRADE

37,490

2878,83

2254,97

93,587

8572,86

4900,40

765

233,71

176,20

1. Wholesale Trade

3,964

1075,35

825,97

8,218

1848,12

1641,69

260

59,14

48,97

2. Retail Trade

33,526

1803,48

1429,00

85,369

6724,74

3258,71

505

174,58

127,23

VII.

FINANCE

373

95,89

79,70

1,680

1114,00

129,39

26

17,92

9,70

VIII.

ALL OTHERS

12,482

243,67

166,67

41,484

1688,79

1473,92

20

1,05

18

TOTAL BANK CREDIT

7,14,676

34674,60

26180,84

10,02,999

60390,31

43024,38

8,294

1001,60

639,16

 TABLE NO. 5.6 – STATE AND BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING
CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION – MARCH 2009

STATE : PUNJAB

 (Amount in Rupees Lakh)

OCCUPATION

REGIONAL RURAL BANKS

PRIVATE SECTOR BANKS 

ALL SCHEDULED COMMERCIAL BANKS

No. of Accounts

Credit Limit

Amount Outstanding

No. of
Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

93,792

1190,13

1043,11

50,425

1831,22

1544,88

9,46,780

20152,51

16813,98

1. Direct Finance

93,510

1185,99

1039,88

48,565

1579,43

1334,80

9,27,795

16407,89

13533,42

2. Indirect Finance

282

4,14

3,23

1,860

251,79

210,08

18,985

3744,62

3280,56

II.

INDUSTRY

4,458

22,87

18,32

20,028

3482,65

1986,01

1,41,859

49599,14

34361,55

1. Mining & Quarrying

8

1,06

76

43

13,11

10,06

446

1479,40

193,12

2. Food Manufacturing & Processing

56

35

27

660

323,31

132,77

9,507

5564,55

3776,87

  (a) Rice Mills, Flour & Dal Mills

22

12

11

23

185,33

53,76

4,577

2848,84

2109,72

  (b) Sugar

-

-

-

2

25

17

58

483,46

393,35

  (c) Edible Oils & Vanaspati

2

-

-

6

14,22

12,16

494

532,31

374,07

  (d) Tea Processing

-

-

-

19

2,31

1,74

38

4,32

3,52

  (e) Processing of Fruits & Vegetables

-

-

-

37

75,30

37,49

108

85,15

45,60

  (f) Others

32

23

15

573

45,90

27,44

4,232

1610,47

850,62

3. Beverage & Tobacco

-

-

-

3

1,32

1,15

174

251,77

178,77

4. Textiles

897

2,82

2,02

1,018

1265,01

439,32

26,294

16032,08

10627,49

  (a) Cotton Textiles

23

5

3

108

1090,65

320,54

8,119

6934,03

4291,76

  (b) Jute & Other Natural Fibre Textiles

63

30

19

19

5,49

4,01

1,812

115,08

105,62

  (c) Handloom Textiles & Khadi

699

1,63

1,08

47

3,46

1,28

3,106

196,12

115,24

  (d) Other Textiles & Textile Products

112

84

72

844

165,41

113,49

13,257

8786,85

6114,87

5. Paper, Paper Products & Printing

9

2

1

119

216,70

173,70

2,478

1309,79

1079,45

6. Woods and Wood Products

28

35

26

20

4,22

2,81

1,770

89,07

72,76

7. Leather & Leather Products

8

1

1

806

19,56

17,56

1,465

182,88

138,96

8. Gems and Jewellery

10

2

1

40

4,68

4,10

382

139,21

107,67

9. Rubber & Plastic Products

6

1

1

344

50,32

33,98

2,776

554,27

418,45

10. Chemicals & Chemical Products

40

11

9

206

104,86

67,32

2,810

1041,99

838,97

  (a) Heavy Industrial Chemicals

-

-

-

91

14,89

13,44

282

288,75

253,73

  (b) Fertilisers

-

-

-

20

5,56

3,23

198

16,22

10,58

  (c) Drugs & Pharmaceuticals

23

5

3

15

28,55

10,78

620

373,94

305,88

  (d) Non-Edible Oils

-

-

-

3

2,56

2,37

63

26,17

22,11

  (e) Other Chemicals & Chemical Products

17

6

6

77

53,31

37,51

1,647

336,91

246,66

11. Petroleum, Coal Products & Nuclear Fuels

-

-

-

14

4,44

4,51

173

1042,88

341,23

12. Manufacture of Cement & Cement Products

4

1

-

16

2,46

2,07

807

109,51

84,47

13. Basic Metals & Metal Products

174

2,77

2,48

1,435

131,77

95,98

13,878

7381,80

5369,61

  (a) Iron & Steel

-

-

-

297

75,62

55,30

2,965

2791,22

1908,63

  (b) Non-Ferrous Metals

-

-

-

6

3,98

3,87

512

193,92

125,54

  (c) Metal Products

174

2,77

2,48

1,132

52,17

36,80

10,401

4396,66

3335,44

14. Engineering

39

25

18

2,776

227,79

115,72

13,507

2910,72

2176,72

  (a) Heavy Engineering

1

8

6

45

20,51

11,81

2,636

1016,34

799,68

  (b) Light Engineering

18

6

5

2,601

191,24

89,35

9,108

1380,09

958,28

  (c) Electrical Machinery & Goods

11

8

6

103

11,70

11,24

1,332

383,74

326,60

  (d) Electronic Machinery & Goods

9

2

1

27

4,34

3,33

431

130,56

92,15

15. Vehicles, Vehicle Parts & Transport Equipments

30

17

9

974

215,38

158,63

5,779

1962,94

1469,84

16. Other Industries

2,979

7,65

5,82

10,827

700,32

568,81

53,140

4012,68

3216,47

17. Electricity, Gas & Water

-

-

-

19

60,52

57,45

183

2975,18

2446,22

  (a) Electricity Generation & Transmission

-

-

-

6

53,03

51,77

73

2934,58

2410,93

  (b) Non-Conventional Energy

-

-

-

3

6,23

4,60

67

31,36

28,52

  (c) Gas, Steam & Water Supply

-

-

-

10

1,27

1,08

43

9,24

6,77

18. Construction

170

7,28

6,31

708

136,88

100,09

6,290

2558,40

1824,48

  (a) Other than Infrastructure

169

6,91

6,06

519

84,75

55,30

4,622

742,53

543,44

  (b) Infrastructure Construction

1

37

25

189

52,13

44,79

1,668

1815,86

1281,04

III.

TRANSPORT OPERATORS

1,092

6,68

2,23

8,136

479,31

328,39

14,606

732,75

532,82

IV.

PROFESSIONAL AND OTHER SERVICES

1,841

8,80

7,55

10,898

588,09

344,40

69,379

4837,30

3619,39

1. Professional Services

261

1,23

85

429

56,41

38,49

6,058

639,13

567,29

2. Tourism, Hotel & Restaurants

296

1,23

1,02

256

8,90

6,68

1,808

462,26

378,49

3. Recreation services

101

27

22

3

35

27

692

92,72

70,68

4. IT and Telecommunications

-

-

-

29

1,39

92

198

21,93

19,50

5. Others

1,183

6,06

5,46

10,181

521,04

298,04

60,623

3621,26

2583,43

V.

PERSONAL LOANS

17,684

119,88

97,24

1,57,763

4159,10

2703,27

7,31,555

17786,80

13400,93

1. Housing

1,643

30,93

26,69

16,548

1391,90

1100,95

1,74,613

8119,90

6734,09

2. Consumer Durables

1,847

12,75

10,08

1,289

31,04

25,46

29,062

268,96

193,35

3. Vehicles

745

6,87

4,90

1,01,176

1898,92

1033,34

1,52,229

2987,85

1905,41

4. Education

176

1,88

1,59

156

5,89

4,73

24,056

924,10

566,20

5. Personal Credit Cards

-

-

-

1,458

48,42

19,23

6,536

83,50

35,24

6. Others

13,273

67,46

53,98

37,136

782,93

519,56

3,45,059

5402,48

3966,64

VI.

TRADE

7,654

32,23

25,64

5,157

562,29

413,52

1,44,653

12279,93

7770,74

1. Wholesale Trade

122

1,52

1,33

590

213,65

161,89

13,154

3197,78

2679,85

2. Retail Trade

7,532

30,71

24,31

4,567

348,64

251,64

1,31,499

9082,15

5090,90

VII.

FINANCE

623

3,76

2,55

492

62,47

40,58

3,194

1294,03

261,92

VIII.

ALL OTHERS

9,471

67,64

61,56

29,283

481,62

323,72

92,740

2482,77

2026,05

TOTAL BANK CREDIT

1,36,615

1451,97

1258,22

2,82,182

11646,75

7684,77

21,44,766

109165,23

78787,37