Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Loans and Advances of Scheduled Commercial Banks According to Occupation (Part 1 of 2)

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Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Loans and Advances of Scheduled Commercial Banks According to Occupation (Part 1 of 2)


MARCH 2002
(Amount in Rupees Lakh)

			LESS THAN 6%			6% AND ABOVE BUT
						LESS THAN 10%

OCCUPATION			No. of	Credit	Amount	No. of	Credit	Amount
			Accounts	Limit	Out standing	Accounts	Limit	Out standing

			1	2	3	4	5	6

I.	AGRICULTURE		40	5,76	3,48	979	780,81	555,02
	1. Direct Finance		17	51	50	528	217,25	166,31
	2. Indirect Finance		23	5,25	2,99	451	563,56	388,71
II.	INDUSTRY		78	29,32	22,27	7,522	14860,00	11697,87
	1. Mining & Quarrying		––	––	––	196	2616,78	2471,27
	2. Food Manufacturing & Processing		2	12	12	568	1560,25	1179,13
	(a)	Rice Mills , Flour & Dal Mills	––	––	––	83	631,73	526,52
	(b)	Sugar	––	––	––	5	6,30	5,14
	(c)	Edible Oils & Vanaspati	1	8	8	64	86,94	58,81
	(d)	Tea Processing	––	––	––	15	82,83	58,11
	(e)	Processing of Fruits & Vegetables	––	––	––	35	42,13	31,95
	(f)	Others	1	4	4	366	710,33	498,61
	3. Beverage & Tobacco		––	––	––	37	283,37	197,03
	4. Textiles		2	8	8	3,188	3309,90	2587,25
	(a)	Cotton Textiles	––	––	––	777	1060,18	818,51
	(b)	Jute & Other Natural Fibre Textiles	––	––	––	39	21,89	19,07
	(c)	Handloom Textiles & Khadi	––	––	––	74	54,43	45,05
	(d)	Other Textiles & Textile Products	2	8	8	2,298	2173,41	1704,63
	5. Paper , Paper Products & Printing		––	––	––	63	27,23	23,00
	6. Leather & Leather Products		––	––	––	518	627,94	539,33
	7. Rubber & Plastic Products		2	23	25	219	220,63	210,80
	8. Chemicals & Chemical Products		4	27	27	517	1279,58	850,41
	(a)	Heavy Industrial Chemicals	1	5	5	94	203,02	127,17
	(b)	Fertilisers	––	––	––	17	308,43	229,86
	(c)	Drugs & Pharmaceuticals	––	––	––	176	385,64	247,36
	(d)	Non-Edible Oils	––	––	––	7	27,00	21,07
	(e)	Other Chemicals & Chemical Products	3	23	22	223	355,50	224,94
	9. Petroleum, Coal Products & Nuclear Fuels		1	2,03	2,03	11	9,96	9,27
	10. Manufacture of Cement & Cement Products		3	4,87	4,86	17	73,54	53,37
	11. Basic Metals & Metal Products		2	11	11	608	1083,80	788,07
	(a)	Iron & Steel	––	––	––	168	761,30	542,17
	(b)	Non- Ferrous Metals	––	––	––	218	161,35	145,28
	(c)	Metal Products	2	11	11	222	161,15	100,62
	12. Engineering		––	––	––	429	909,55	703,67
	(a)	Heavy Engineering	––	––	––	66	57,51	53,03
	(b)	Light Engineering	––	––	––	179	408,23	285,03
	(c)	Electrical Machinery & Goods	––	––	––	115	274,89	234,42
	(d)	Electronic Machinery & Goods	––	––	––	69	168,93	131,19
	13. Vehicles, VehicleParts & Transport Equipments		––	––	––	181	266,38	198,62
	14. Other Industries		24	6,56	6,40	753	1994,22	1316,49
	15. Electricity, Gas & Water		––	––	––	18	35,76	31,04
	(a)	Electricity Generation & Transmission	––	––	––	5	23,50	19,77
	(b)	Non-Conventional Energy	––	––	––	12	12,06	11,22
	(c)	Gas, Steam & Water Supply	––	––	––	1	19	5
	16. Construction		38	15,07	8,17	199	561,10	539,11
III.	TRANSPORT OPERATORS		4	13	10	70	4,84	3,21
IV.	PROFESSIONAL AND OTHER SERVICES		8	16,40	15,77	426	294,56	212,44
V.	PERSONAL LOANS		21,743	748,01	670,38	5,585	564,12	529,34
	1. Loans for Purchase of Consumer Durables		––	––	––	––	––	––
	2. Loans for Housing		20,598	713,35	639,60	3,882	513,31	483,64
	3. Rest of the Personal Loans		1,145	34,67	30,78	1,703	50,81	45,70
VI.	TRADE		6	1,71	88	1,661	1802,30	1132,41
	1. Wholesale Trade		3	33	54	1,141	1614,11	985,06
	2. Retail Trade		3	1,38	35	520	188,18	147,35
VII.	FINANCE		11	1,89	2,06	190	563,57	449,46
VIII.	ALL OTHERS		12	5,59	2,25	1,613	1619,30	1073,99

TOTAL LOANS AND ADVANCES			21,902	808,81	717,20	18,046	20489,48	15653,75
OF WHICH: 1.Artisans and Village & Tiny Industries			13	71	73	523	118,30	93,47
2.Other Small Scale Industries			3	23	22	2,170	2257,13	1748,50

(Amount in Rupees Lakh)

				10% AND ABOVE BUT			12% AND ABOVE BUT
				LESS THAN 12%			LESS THAN 13%

OCCUPATION				No. of	Credit	Amount	No. of	Credit	Amount
				Accounts	Limit	Out standing	Accounts	Limit	Out standing

				7	8	9	10	11	12

I.	AGRICULTURE			17,560	6491,76	4344,37	33,013	4642,82	3335,87
	1. Direct Finance			12,389	814,63	652,28	27,266	1398,68	961,37
	2. Indirect Finance			5,171	5677,12	3692,09	5,747	3244,13	2374,50
II.	INDUSTRY			22,229	49708,92	31745,53	22,564	32977,93	23641,67
	1. Mining & Quarrying			398	10411,89	3088,43	419	1200,05	950,61
	2. Food Manufacturing & Processing			1,063	2028,43	1215,37	1,693	1609,89	1212,38
	(a)	Rice Mills, Flour & Dal Mills		301	251,89	211,75	661	444,98	346,97
	(b)	Sugar		49	535,27	246,75	86	378,06	261,22
	(c)	Edible Oils & Vanaspati		101	217,06	125,55	189	84,15	76,95
	(d)	Tea Processing		52	135,50	72,77	83	149,72	120,03
	(e)	Processing of Fruits & Vegetables		53	126,75	57,50	63	30,49	23,54
	(f)	Others		507	761,97	501,05	611	522,49	383,66
	3. Beverage & Tobacco			129	322,80	232,41	175	178,68	154,78
	4. Textiles			3,300	3993,44	2957,81	2,469	2285,04	1635,89
	(a)	Cotton Textiles		912	1816,45	1339,37	709	1351,44	976,62
	(b)	Jute & Other Natural Fibre Textiles		76	112,75	67,88	77	63,62	27,29
	(c)	Handloom Textiles & Khadi		177	403,99	297,97	152	48,13	25,77
	(d)	Other Textiles & Textile Products		2,135	1660,24	1252,59	1,531	821,85	606,22
	5. Paper, Paper Products & Printing			397	489,94	388,46	730	675,92	473,60
	6. Leather & Leather Products			686	371,41	257,41	229	73,76	57,56
	7. Rubber & Plastic Products			509	608,00	532,47	726	570,09	441,75
	8. Chemicals & Chemical Products			1,134	5747,02	3577,81	1,178	3599,33	2594,99
	(a)	Heavy Industrial Chemicals		196	1105,30	777,30	184	626,25	524,74
	(b)	Fertilisers		96	1962,33	1040,58	82	1239,07	677,08
	(c)	Drugs & Pharmaceuticals		332	1192,94	879,76	345	779,82	675,42
	(d)	Non-Edible Oils		26	79,15	57,08	18	17,92	17,55
	(e)	Other Chemicals & Chemical Products		484	1407,29	823,08	549	936,26	700,18
	9. Petroleum, Coal Products & Nuclear Fuels			121	3437,39	2497,00	126	2048,99	1405,79
	10. Manufacture of Cement & Cement Products			154	398,21	345,05	229	498,34	386,68
	11. Basic Metals & Metal Products			1,231	4301,72	3590,83	1,425	4672,88	4140,22
	(a)	Iron & Steel		474	3161,06	2884,98	583	3786,28	3375,87
	(b)	Non-Ferrous Metals		131	580,68	270,21	116	199,92	172,28
	(c)	Metal Products		626	559,98	435,64	726	686,68	592,07
	12. Engineering			1,515	4779,33	3143,17	1,763	2850,88	1939,11
	(a)	Heavy Engineering		265	860,14	561,42	357	454,12	290,49
	(b)	Light Engineering		496	2160,84	1545,24	677	1076,70	634,25
	(c)	Electrical Machinery & Goods		483	965,67	544,87	428	772,98	641,62
	(d)	Electronic Machinery & Goods		271	792,67	491,63	301	547,09	372,76
	13. Vehicles, Vehicle Parts & Transport Equipments			434	1963,11	1590,58	490	1164,42	867,90
	14. OtherIndustries			2,745	3705,90	2852,62	3,324	1856,55	1423,82
	15. Electricity, Gas & Water			231	4180,17	3071,01	288	6101,23	3352,73
	(a)	Electricity Generation & Transmission		170	3650,97	2730,96	182	5736,37	3085,36
	(b)	Non-Conventional Energy		33	8,03	6,28	22	116,64	112,98
	(c)	Gas, Steam & Water Supply		28	521,17	333,77	84	248,23	154,39
	16. Construction			8,182	2970,17	2405,09	7,300	3591,89	2603,89
III.	TRANSPORT OPERATORS			1,279	1876,37	1586,00	4,382	1501,09	1170,71
IV.	PROFESSIONAL AND OTHER SERVICES			6,097	2426,72	1836,17	10,212	2732,22	2258,13
V.	PERSONAL LOANS			2,01,208	10499,87	9359,11	1,88,721	9292,11	7930,12
	1. Loans for Purchase of Consumer Durables			3	11	10	1,412	49,30	40,96
	2. Loans for Housing			1,89,343	10097,66	9009,31	1,14,508	6164,23	5470,44
	3. Rest of the Personal Loans			11,862	402,10	349,70	72,801	3078,58	2418,72
VI.	TRADE			9,967	52767,19	48075,72	17,172	3840,35	2892,80
	1. Whole sale Trade			3,859	51324,88	47020,19	5,134	2512,97	1971,87
	2. Retail Trade			6,108	1442,31	1055,53	12,038	1327,37	920,94
VII.	FINANCE			2,393	18641,03	14692,16	3,283	6718,28	5040,64
VIII.	ALL OTHERS			10,807	8037,52	6486,32	14,209	7068,84	5280,01

TOTAL LOANS AND ADVANCES				2,71,540	150449,36	118125,38	2,93,556	68773,63	51549,95
OF WHICH:			1.Artisans and Village & Tiny Industries	1,842	131,39	105,50	2,973	204,04	161,74
			2.Other Small Scale Industries	3,206	2153,82	1687,01	3,690	997,47	795,65

(Amount in Rupees Lakh)

				13% AND ABOVE BUT			14% AND ABOVE BUT
				LESS THAN 14%			LESS THAN 15%

OCCUPATION				No. of	Credit	Amount	No. of	Credit	Amount
				Accounts	Limit	Out standing	Accounts	Limit	Out standing

				13	14	15	16	17	18

I.	AGRICULTURE			61,618	4379,61	3641,04	1,13,530	6421,16	5101,09
	1. Direct Finance			55,359	2069,80	1776,53	1,00,211	3632,92	3225,64
	2. Indirect Finance			6,259	2309,81	1864,51	13,319	2788,23	1875,45
II.	INDUSTRY			57,190	39612,97	30583,34	56,544	54300,67	40288,74
	1. Mining & Quarrying			1,395	1454,80	1005,94	1,751	939,36	796,80
	2. Food Manufacturing & Processing			7,997	3610,66	2685,96	7,408	4430,66	3391,65
	(a)	Rice Mills, Flour & Dal Mills		4,471	1303,65	971,67	3,548	1070,71	796,16
	(b)	Sugar		117	862,12	648,32	167	901,58	723,23
	(c)	Edible Oils & Vanaspati		809	273,57	210,14	779	776,25	528,38
	(d)	Tea Processing		193	301,49	153,87	313	538,60	456,85
	(e)	Processing of Fruits & Vegetables		108	42,36	34,47	201	68,77	55,28
	(f)	Others		2,299	827,46	667,48	2,400	1074,76	831,75
	3. Beverage & Tobacco			360	414,33	349,56	583	595,10	471,15
	4. Textiles			8,757	4135,62	3244,15	8,841	6124,79	4586,09
	(a)	Cotton Textiles		2,748	2124,59	1686,97	3,009	2816,89	2171,41
	(b)	Jute& Other Natural Fibre Textiles		126	41,68	35,93	139	136,40	130,92
	(c)	Handloom Textiles & Khadi		743	62,26	50,90	600	463,31	54,56
	(d)	Other Textiles & Textile Products		5,140	1907,09	1470,35	5,093	2708,20	2229,19
	5. Paper, Paper Products & Printing			2,825	1271,24	993,19	2,712	2430,14	2080,56
	6. Leather & Leather Products			545	185,09	142,58	620	192,98	154,85
	7. Rubber & Plastic Products			3,332	1067,83	820,71	2,765	1520,71	1217,96
	8. Chemicals & Chemical Products			4,109	4704,91	3271,63	4,095	8508,22	5262,68
	(a)	Heavy Industrial Chemicals		432	718,83	465,09	630	1645,66	1150,59
	(b)	Fertilisers		155	1096,16	693,38	165	1401,16	1028,80
	(c)	Drugs & Pharmaceuticals		883	1057,39	811,12	972	1818,02	1034,51
	(d)	Non-Edible Oils		151	306,46	236,13	92	47,84	39,78
	(e)	Other Chemicals & Chemical Products		2,488	1526,07	1065,91	2,236	3595,55	2009,00
	9. Petroleum, Coal Products & Nuclear Fuels			322	3117,79	2950,39	312	1286,02	1235,81
	10. Manufacture of Cement & Cement Products			1,343	1150,52	990,96	735	1612,31	1325,26
	11. Basic Metals & Metal Products			5,752	3684,26	2956,15	5,480	8439,76	6300,42
	(a)	Iron & Steel		2,307	2722,88	2267,28	2,177	6917,51	5037,72
	(b)	Non-Ferrous Metals		548	224,49	142,79	386	448,42	392,70
	(c)	Metal Products		2,897	736,89	546,08	2,917	1073,84	870,00
	12. Engineering			5,727	4086,04	3006,59	6,021	7294,29	5154,83
	(a)	Heavy Engineering		994	786,49	553,58	1,311	1429,53	1136,53
	(b)	Light Engineering		2,166	1072,14	772,01	2,022	1508,15	1199,11
	(c)	Electrical Machinery & Goods		1,727	1050,93	817,69	1,714	2076,06	1605,67
	(d)	Electronic Machinery & Goods		840	1176,48	863,30	974	2280,56	1213,51
	13. Vehicles,Vehicle Parts & Transport Equipments			1,850	2059,84	1491,60	1,737	1844,76	1266,38
	14. Other Industries			6,568	2236,15	1541,49	8,764	3039,50	2237,00
	15. Electricity, Gas & Water			438	4099,92	3220,91	589	4391,55	3532,56
	(a)	Electricity Generation & Transmission		268	3795,50	3033,53	372	4219,25	3389,74
	(b)	Non-Conventional Energy		54	74,03	70,98	47	102,75	97,07
	(c)	Gas, Steam & Water Supply		116	230,39	116,40	170	69,55	45,75
	16. Construction			5,870	2334,00	1911,53	4,131	1650,51	1274,74
III.	TRANSPORTOPERATORS			9,936	1491,17	1089,33	22,758	1627,01	1063,12
IV.	PROFESSIONAL AND OTHER SERVICES			12,321	3667,57	2933,05	23,230	5700,70	3814,11
V.	PERSONAL LOANS			1,24,427	6044,30	5273,66	91,815	3873,64	3166,84
	1. Loans for Purchase of Consumer Durables			2,068	66,36	56,44	3,087	98,62	76,41
	2. Loans for Housing			64,134	3434,17	3079,80	16,247	1050,71	859,29
	3. Rest o fthePersonal Loans			58,225	2543,78	2137,41	72,481	2724,31	2231,14
VI.	TRADE			36,313	4579,85	3799,59	56,568	6745,06	5688,72
	1. Wholesale Trade			13,107	2708,09	2284,62	20,953	3390,81	2879,26
	2. Retail Trade			23,206	1871,76	1514,98	35,615	3354,24	2809,47
VII.	FINANCE			4,667	6892,67	5263,89	1,996	3769,95	3072,73
VIII.	ALL OTHERS			15,251	6010,79	4577,12	18,223	9203,59	6107,78

TOTAL LOANS AND ADVANCES				3,21,723	72678,93	57161,01	3,84,664	91641,78	68303,14
OF WHICH:			1.Artisans and Village & Tiny Industries	24,588	2130,83	1699,06	6,602	771,68	598,45
			2.Other Small Scale Industries	9,909	2612,98	1987,88	18,360	4083,18	3249,51

(Amount in Rupees Lakh)

				15% AND ABOVE BUT			16% AND ABOVE BUT
				LESS THAN 16%			LESS THAN 17%

OCCUPATION				No. of	Credit	Amount	No. of	Credit	Amount
				Accounts	Limit	Out standing	Accounts	Limit	Out standing

				19	20	21	22	23	24

I.	AGRICULTURE			53,230	5539,91	4463,30	31,317	3642,53	3011,89
	1. Direct Finance			42,637	2135,66	1837,37	23,991	1669,19	1377,26
	2. Indirect Finance			10,593	3404,24	2625,94	7,326	1973,34	1634,63
II.	INDUSTRY			79,422	48794,65	40111,70	76,111	39923,56	33746,21
	1. Mining & Quarrying			1,711	846,97	739,80	1,662	1699,92	1613,27
	2. Food Manufacturing & Processing			8,788	5483,79	4342,63	7,568	3649,00	3093,81
	(a)	Rice Mills, Flour & Dal Mills		3,806	970,20	746,87	2,983	626,51	494,35
	(b)	Sugar		342	2041,82	1595,88	179	807,30	703,94
	(c)	Edible Oils & Vanaspati		1,075	700,74	576,53	840	476,18	388,31
	(d)	Tea Processing		402	369,29	293,17	340	352,62	295,22
	(e)	Processing of Fruits & Vegetables		221	66,14	56,27	303	234,87	229,20
	(f)	Others		2,942	1335,60	1073,90	2,923	1151,51	982,79
	3. Beverage &Tobacco			888	801,91	652,86	841	584,81	478,38
	4. Textiles			13,117	6171,73	5332,25	11,994	5569,30	4879,89
	(a)	Cotton Textiles		5,113	3357,45	2874,34	4,096	2334,43	2071,17
	(b)	Jute & Other Natural Fibre Textiles		243	128,24	88,27	219	157,82	114,08
	(c)	Handloom Textiles & Khadi		654	173,68	158,49	524	92,65	80,70
	(d)	Other Textiles & Textile Products		7,107	2512,36	2211,15	7,155	2984,40	2613,94
	5. Paper, Paper Products & Printing			4,479	1578,81	1234,70	4,497	1409,49	1209,41
	6. Leather & Leather Products			998	366,18	334,07	1,220	450,58	406,83
	7. Rubber & Plastic Products			4,406	1558,71	1359,72	4,137	1525,30	1308,82
	8. Chemicals & Chemical Products			6,354	5325,42	4392,76	5,788	4322,79	3486,92
	(a)	Heavy Industrial Chemicals		1,054	1143,89	859,96	991	867,31	797,50
	(b)	Fertilisers		245	984,51	781,85	236	671,18	557,19
	(c)	Drugs & Pharmaceuticals		1,348	1384,66	1204,18	1,613	1335,18	961,92
	(d)	Non-Edible Oils		131	42,30	36,79	131	32,01	28,64
	(e)	Other Chemicals & Chemical Products		3,576	1770,06	1509,97	2,817	1417,10	1141,67
	9. Petroleum, Coal Products & Nuclear Fuels			506	2100,14	2113,49	514	802,16	503,67
	10. Manufacture of Cement & Cement Products			886	1494,93	1303,23	727	614,82	542,68
	11. Basic Metals & Metal Products			8,605	5322,80	4440,33	7,244	4955,41	4242,97
	(a)	Iron & Steel		3,581	3592,17	2922,53	2,665	2895,86	2586,83
	(b)	Non-Ferrous Metals		713	412,57	373,15	713	991,20	703,30
	(c)	Metal Products		4,311	1318,06	1144,66	3,866	1068,35	952,83
	12. Engineering			8,871	7586,33	5842,78	8,491	5516,18	4388,15
	(a)	Heavy Engineering		1,786	1334,28	1043,97	2,246	1292,56	1020,48
	(b)	Light Engineering		3,317	2141,86	1761,80	2,572	1545,73	1314,16
	(c)	Electrical Machinery & Goods		2,471	1939,31	1277,08	2,218	1270,62	982,02
	(d)	Electronic Machinery & Goods		1,297	2170,88	1759,93	1,455	1407,27	1071,48
	13. Vehicles, Vehicle Parts & Transport Equipments			2,196	1895,74	1681,36	2,105	1643,33	1493,37
	14. Other Industries			11,324	3365,40	2182,34	12,330	3271,95	2800,75
	15. Electricity,Gas & Water			561	2530,66	2115,80	659	1425,84	1182,17
	(a)	Electricity Generation & Transmission		283	2390,88	1998,71	282	1145,52	984,84
	(b)	Non-Conventional Energy		45	20,74	19,51	78	78,42	41,73
	(c)	Gas,Steam & Water Supply		233	119,05	97,58	299	201,90	155,60
	16. Construction			5,732	2365,13	2043,56	6,334	2482,68	2115,13
III.	TRANSPORT OPERATORS			17,318	1205,02	895,07	11,675	1020,83	847,26
IV.	PROFESSIONAL AND OTHER SERVICES			22,386	5999,55	4923,64	18,639	5305,45	3725,16
V.	PERSONAL LOANS			1,38,651	6904,94	5260,37	52,207	2698,38	2068,67
	1. Loans for Purchase of Consumer Durables			3,346	122,84	97,71	1,564	57,69	43,34
	2. Loans for Housing			14,191	1440,13	951,31	7,688	704,26	575,61
	3. Rest of the Personal Loans			1,21,114	5341,97	4211,35	42,955	1936,43	1449,73
VI.	TRADE			65,387	10505,15	8942,78	52,334	9848,38	8594,85
	1. Wholesale Trade			26,298	6100,96	5303,10	19,671	6380,39	5802,33
	2. Retail Trade			39,089	4404,18	3639,68	32,663	3467,99	2792,52
VII.	FINANCE			1,782	3308,57	1885,60	2,670	4570,44	3772,36
VIII.	ALL OTHERS			25,007	10134,83	8462,40	23,668	5824,61	4771,76

TOTAL LOANS AND ADVANCES				4,03,183	92392,63	74944,87	2,68,621	72834,18	60538,17
OF WHICH:			1.Artisans and Village & Tiny Industries	7,106	861,83	729,09	5,323	498,12	432,32
			2.Other Small Scale Industries	28,870	6533,08	5436,67	32,054	6922,15	5948,83