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

March 2001

(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


Outstanding


Accounts


Limit


Outstanding


   

1

2

3

4

5

6


I.

AGRICULTURE

4

7,84

6,24

287

117,64

97,74

 

1. Direct Finance

172

22,66

17,92

 

2. Indirect Finance

4

7,84

6,24

115

94,98

79,82

II.

INDUSTRY

3

54

14

1,233

1695,52

1246,00

 

1. Mining & Quarrying

62

26,61

12,80

 

2. Food Manufacturing & Processing

78

81,49

79,79

 

(a)

Rice Mills, Flour & Dal Mills

10

2,25

2,63

 

(b)

Sugar

2

64

45

 

(c)

Edible Oils & Vanaspati

31

16,09

11,61

 

(d)

Tea Processing

2

16

16

 

(e)

Processing of Fruits & Vegetables

1

85

70

 

(f)

Others

32

61,49

64,24

 

3. Beverage & Tobacco

5

25

15

 

4. Textiles

465

345,14

263,74

 

(a)

Cotton Textiles

80

119,07

98,22

 

(b)

Jute Textiles

2

2,00

1,73

 

(c)

Handloom Textiles & Khadi

15

4,66

2,26

 

(d)

Other Textiles

368

219,41

161,53

 

5. Paper, Paper Products & Printing

13

25,10

26,73

 

6. Leather & Leather Products

117

115,48

69,24

 

7. Rubber & Rubber Products

7

3,18

2,97

 

8. Chemicals & Chemical Products

103

127,60

108,86

 

(a)

Heavy Industrial Chemicals

16

12,45

10,80

 

(b)

Fertilisers

7

20,88

20,55

 

(c)

Drugs & Pharmaceuticals

28

68,24

55,43

 

(d)

Non-Edible Oils

1

85

71

 

(e)

Other Chemicals & Chemical Products

51

25,18

21,37

 

9. Petroleum, Coal Products & Nuclear Fuels

16

225,46

95,75

 

10. Manufacture of Cement & Cement Products

5

11,39

10,18

 

11. Basic Metals & Metal Products

80

455,91

359,34

 

(a)

Iron & Steel

27

423,21

334,01

 

(b)

Non-Ferrous Metals

28

25,01

19,18

 

(c)

Other Metal Products

25

7,69

6,15

 

12. Engineering

65

52,51

50,64

 

(a)

Heavy Engineering

20

19,96

20,80

 

(b)

Light Engineering

14

1,76

1,69

 

(c)

Electrical Machinery & Goods

16

27,35

24,95

 

(d)

Electronic Machinery & Goods

15

3,43

3,21

 

13. Vehicles, Vehicle Parts & Transport Equipments

26

57,74

48,22

 

14. Other Industries

163

139,98

94,05

 

15. Electricity, Gas & Water

2

4

7

14,57

8,10

 

(a)

Electricity Generation & Transmission

2

4

7

14,57

8,10

 

(b)

Non-Conventional Energy

 

(c)

Gas, Steam & Water Supply

 

16. Construction

1

50

14

21

13,12

15,44

III.

TRANSPORT OPERATORS

1

2

1

66

204,10

201,68

IV.

PROFESSIONAL AND OTHER SERVICES

161

77,94

66,78

V.

PERSONAL LOANS

18,868

711,92

641,81

2,620

169,77

145,10

 

1. Loans for Purchase of Consumer Durables

 

2. Loans for Housing

17,894

683,66

615,08

1,992

153,39

132,26

 

3. Rest of the Personal Loans

974

28,26

26,73

628

16,39

12,84

VI.

TRADE

 

500

276,80

214,35

 

1. Wholesale Trade

263

193,18

161,15

 

2. Retail Trade

237

83,62

53,20

VII.

FINANCE

18

18,05

15,87

166

90,81

86,88

VIII.

ALL OTHERS

78

86,51

40,23

373

126,89

104,23


TOTAL LOANS AND ADVANCES

18,972

824,88

704,30

5,406

2759,47

2162,77

OF WHICH :

1. Artisans & Village Industries

16

2,43

2,44

  

2. Other Small Scale Industries

553

307,04

242,44




   

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


Outstanding


Accounts


Limit


Outstanding


   

7

8

9

10

11

12


I.

AGRICULTURE

7,057

3226,12

2031,31

20,346

2940,11

2282,02

 

1. Direct Finance

5,671

586,26

458,03

18,402

840,52

707,62

 

2. Indirect Finance

1,386

2639,86

1573,29

1,944

2099,60

1574,39

II.

INDUSTRY

16,290

32210,51

21326,34

14,286

39015,68

30206,86

 

1. Mining & Quarrying

384

967,32

415,44

308

4138,95

3105,37

 

2. Food Manufacturing & Processing

1,162

2696,22

2011,46

1,270

1675,47

1182,93

 

(a)

Rice Mills, Flour & Dal Mills

323

882,21

759,84

534

671,49

461,87

 

(b)

Sugar

26

212,23

144,47

82

311,78

205,35

 

(c)

Edible Oils & Vanaspati

96

239,68

162,24

145

56,58

38,17

 

(d)

Tea Processing

55

185,47

123,27

31

39,60

32,27

 

(e)

Processing of Fruits & Vegetables

37

31,77

24,60

22

44,10

27,85

 

(f)

Others

625

1144,85

797,04

456

551,92

417,42

 

3. Beverage & Tobacco

75

395,09

280,26

109

167,41

383,67

 

4. Textiles

4,929

5596,35

4331,64

2,142

1994,17

1509,72

 

(a)

Cotton Textiles

1,237

2213,96

1700,34

578

872,71

647,51

 

(b)

Jute Textiles

57

122,84

58,82

31

12,08

9,46

 

(c)

Handloom Textiles & Khadi

135

204,96

315,40

175

40,81

25,67

 

(d)

Other Textiles

3,500

3054,60

2257,08

1,358

1068,56

827,08

 

5. Paper, Paper Products & Printing

215

142,14

114,26

561

461,93

334,15

 

6. Leather & Leather Products

994

689,72

559,54

194

120,89

110,05

 

7. Rubber & Rubber Products

220

292,34

232,54

245

337,49

257,23

 

8. Chemicals & Chemical Products

1,614

4528,25

2992,16

1,502

3666,55

2668,29

 

(a)

Heavy Industrial Chemicals

229

348,73

328,27

115

500,02

435,34

 

(b)

Fertilisers

120

639,12

417,50

82

947,67

751,46

 

(c)

Drugs & Pharmaceuticals

412

1382,66

749,72

420

785,24

469,94

 

(d)

Non-Edible Oils

16

66,61

42,18

14

60,95

61,17

 

(e)

Other Chemicals & Chemical Products

837

2091,13

1454,48

871

1372,67

950,39

 

9. Petroleum, Coal Products & Nuclear Fuels

149

1624,65

942,81

176

5468,90

4034,88

 

10. Manufacture of Cement & Cement Products

101

474,52

340,41

210

1183,90

987,07

 

11. Basic Metals & Metal Products

1,477

4505,19

1882,57

1,329

5090,16

4497,00

 

(a)

Iron & Steel

490

3625,05

1346,26

496

4221,87

3840,88

 

(b)

Non-Ferrous Metals

180

312,94

155,57

111

236,93

186,77

 

(c)

Other Metal Products

807

567,20

380,74

722

631,36

469,36

 

12. Engineering

1,350

3603,60

2480,75

1,776

4190,68

3009,43

 

(a)

Heavy Engineering

324

1387,11

949,35

366

1923,43

1290,66

 

(b)

Light Engineering

382

490,53

341,67

667

719,11

594,66

 

(c)

Electrical Machinery & Goods

351

866,24

687,63

475

1113,72

817,93

 

(d)

Electronic Machinery & Goods

293

859,72

502,10

268

434,42

306,17

 

13. Vehicles, Vehicle Parts & Transport Equipments

473

1478,08

850,45

536

2104,29

1605,77

 

14. Other Industries

2,578

3546,77

2668,25

3,084

3455,40

2555,06

 

15. Electricity, Gas & Water

151

1080,91

837,17

178

4242,53

3386,14

 

(a)

Electricity Generation & Transmission

123

981,61

781,90

134

4045,51

3267,28

 

(b)

Non-Conventional Energy

6

4,12

2,02

5

78,68

27,02

 

(c)

Gas, Steam & Water Supply

22

95,18

53,26

39

118,34

91,84

 

16. Construction

418

589,37

386,62

666

716,96

580,10

III.

TRANSPORT OPERATORS

851

190,93

159,61

5,139

2419,91

2090,39

IV.

PROFESSIONAL AND OTHER SERVICES

1,812

1128,51

797,57

4,245

2545,92

1999,21

V.

PERSONAL LOANS

1,22,389

5240,08

4818,13

91,606

4611,22

4039,69

 

1. Loans for Purchase of Consumer Durables

632

20,73

19,05

610

20,69

16,45

 

2. Loans for Housing

98,462

4218,16

4004,89

58,041

3108,36

2825,29

 

3. Rest of the Personal Loans

23,295

1001,18

794,19

32,955

1482,18

1197,95

VI.

TRADE

10,403

33942,56

31750,58

13,844

14458,13

14232,76

 

1. Wholesale Trade

3,938

32115,32

30148,52

4,185

13226,89

13316,61

 

2. Retail Trade

6,465

1827,25

1602,05

9,659

1231,24

916,15

VII.

FINANCE

871

3776,79

2706,22

1,776

11100,28

9393,57

VIII.

ALL OTHERS

4,589

2647,35

2151,23

7,614

5411,95

4514,31


TOTAL LOANS AND ADVANCES

1,64,262

82362,85

65740,99

1,58,856

82503,22

68758,80

OF WHICH :

1. Artisans & Village Industries

198

21,13

18,03

419

21,29

16,83

  

2. Other Small Scale Industries

5,647

3515,45

2732,29

5,562

1138,87

904,03




   

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


Outstanding


Accounts


Limit


Outstanding


   

13

14

15

16

17

18


I.

AGRICULTURE

38,829

2552,85

2151,26

78,817

4390,46

3464,18

 

1. Direct Finance

36,886

1322,57

1121,34

74,214

2745,22

2375,37

 

2. Indirect Finance

1,943

1230,28

1029,92

4,603

1645,24

1088,80

II.

INDUSTRY

48,717

30081,44

21830,24

50,887

37259,44

28287,00

 

1. Mining & Quarrying

753

699,09

476,83

1,622

615,83

439,92

 

2. Food Manufacturing & Processing

5,798

2321,49

1723,50

6,716

3246,25

2591,38

 

(a)

Rice Mills, Flour & Dal Mills

3,081

872,10

666,73

3,661

963,28

709,68

 

(b)

Sugar

82

438,69

320,50

169

504,16

396,34

 

(c)

Edible Oils & Vanaspati

667

224,89

167,05

785

461,24

468,49

 

(d)

Tea Processing

128

238,54

183,11

213

310,55

271,15

 

(e)

Processing of Fruits & Vegetables

71

33,28

33,20

139

53,23

46,50

 

(f)

Others

1,769

513,99

352,92

1,749

953,79

699,21

 

3. Beverage & Tobacco

235

219,30

178,93

357

415,49

319,51

 

4. Textiles

7,126

2930,90

2148,71

7,394

3705,93

3177,26

 

(a)

Cotton Textiles

2,003

942,01

717,33

2,398

1723,51

1485,59

 

(b)

Jute Textiles

58

9,15

6,74

116

51,91

43,03

 

(c)

Handloom Textiles & Khadi

657

55,26

46,51

513

57,79

50,45

 

(d)

Other Textiles

4,408

1924,49

1378,13

4,367

1872,72

1598,19

 

5. Paper, Paper Products & Printing

2,362

725,68

626,05

2,249

933,26

733,67

 

6. Leather & Leather Products

648

142,01

105,69

597

248,23

204,83

 

7. Rubber & Rubber Products

999

392,36

295,98

908

895,99

463,29

 

8. Chemicals & Chemical Products

5,650

4524,96

2913,71

5,464

5399,98

4223,37

 

(a)

Heavy Industrial Chemicals

325

655,48

285,33

510

788,01

623,20

 

(b)

Fertilisers

167

1063,70

781,28

182

1188,84

1107,61

 

(c)

Drugs & Pharmaceuticals

809

874,18

591,01

1,032

1430,52

860,90

 

(d)

Non-Edible Oils

110

41,95

28,97

112

59,43

50,95

 

(e)

Other Chemicals & Chemical Products

4,239

1889,66

1227,13

3,628

1933,18

1580,70

 

9. Petroleum, Coal Products & Nuclear Fuels

379

3674,77

2831,15

372

1655,45

1311,33

 

10. Manufacture of Cement & Cement Products

571

962,49

783,37

509

758,19

648,63

 

11. Basic Metals & Metal Products

6,036

3300,21

1997,96

5,206

4669,61

2732,42

 

(a)

Iron & Steel

1,199

2456,01

1367,80

1,948

3342,42

1766,87

 

(b)

Non-Ferrous Metals

397

130,26

70,86

354

154,71

107,72

 

(c)

Other Metal Products

4,440

713,94

559,30

2,904

1172,48

857,83

 

12. Engineering

5,090

3685,34

2616,08

5,542

4888,62

3687,02

 

(a)

Heavy Engineering

1,115

728,16

495,95

993

1316,91

948,87

 

(b)

Light Engineering

1,236

948,83

672,06

1,925

884,06

681,06

 

(c)

Electrical Machinery & Goods

1,923

1052,97

782,75

1,686

1625,59

1211,03

 

(d)

Electronic Machinery & Goods

816

955,38

665,31

938

1062,07

846,05

 

13. Vehicles, Vehicle Parts & Transport Equipments

1,995

1280,62

932,18

2,070

1967,31

1611,61

 

14. Other Industries

9,975

2577,06

1991,46

10,301

4064,79

3153,01

 

15. Electricity, Gas & Water

331

1965,95

1642,44

490

2831,98

2216,72

 

(a)

Electricity Generation & Transmission

252

1790,66

1495,64

352

2734,16

2158,53

 

(b)

Non-Conventional Energy

21

61,48

61,47

25

12,52

5,20

 

(c)

Gas, Steam & Water Supply

58

113,81

85,33

113

85,30

52,99

 

16. Construction

769

679,20

566,20

1,090

962,52

773,03

III.

TRANSPORT OPERATORS

7,569

1332,44

1135,03

20,674

1084,06

797,21

IV.

PROFESSIONAL AND OTHER SERVICES

7,376

2236,02

1616,40

13,481

2720,32

2161,17

V.

PERSONAL LOANS

1,33,046

6254,48

5531,54

65,939

3117,39

2554,17

 

1. Loans for Purchase of Consumer Durables

1,320

44,27

38,30

4,136

131,68

108,19

 

2. Loans for Housing

95,745

4526,28

4066,99

15,985

1146,08

957,73

 

3. Rest of the Personal Loans

35,981

1683,94

1426,25

45,818

1839,63

1488,25

VI.

TRADE

 

23,069

3793,70

3012,05

45,072

7330,33

5862,63

 

1. Wholesale Trade

8,467

2350,36

1923,33

16,226

3140,62

2609,79

 

2. Retail Trade

14,602

1443,34

1088,72

28,846

4189,71

3252,84

VII.

FINANCE

1,164

5683,77

4193,23

2,971

3425,79

2310,20

VIII.

ALL OTHERS

10,033

3323,64

2653,39

13,124

4105,69

3223,68


TOTAL LOANS AND ADVANCES

2,69,803

55258,34

42123,16

2,90,965

63433,47

48660,24

OF WHICH :

1. Artisans & Village Industries

759

52,19

42,23

1,143

71,66

58,74

  

2. Other Small Scale Industries

33,691

4270,24

3338,08

24,643

4829,34

3718,48


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