RURAL

(Amount in Rupees Lakh)

OCCUPATION

STATE BANK OF INDIA AND ITS ASSOCIATES

NATIONALISED BANKS

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

43,26,225

32450,99

26760,84

96,73,737

69230,51

60588,46

1. Direct Finance

42,55,272

29894,07

24942,77

95,22,520

65057,85

57151,85

2. Indirect Finance

70,953

2556,92

1818,08

1,51,217

4172,66

3436,62

II.

INDUSTRY

1,15,863

22543,75

16276,31

2,53,829

66087,05

48954,25

1. Mining & Quarrying

1,575

796,37

428,53

1,964

3169,79

2930,52

2. Food Manufacturing & Processing

26,088

2192,53

1702,58

47,041

5507,51

4224,43

  (a) Rice Mills, Flour & Dal Mills

7,245

912,07

694,00

24,475

1162,37

941,95

  (b) Sugar

97

289,98

226,87

193

2360,02

1706,21

  (c) Edible Oils & Vanaspati

1,276

199,03

131,30

1,577

262,60

194,26

  (d) Tea Processing

232

11,33

8,28

370

622,63

495,51

  (e) Processing of Fruits & Vegetables

339

41,81

35,36

331

43,81

29,97

  (f) Others

16,899

738,32

606,77

20,095

1056,09

856,53

3. Beverage & Tobacco

557

424,28

366,07

502

266,44

179,16

4. Textiles

20,441

2451,65

1905,31

41,304

5819,96

4315,08

  (a) Cotton Textiles

2,498

361,32

263,92

6,798

3805,81

2695,28

  (b) Jute & Other Natural Fibre Textiles

1,990

60,54

51,94

3,550

77,82

59,31

  (c) Handloom Textiles & Khadi

5,829

64,66

53,89

10,647

103,62

79,28

  (d) Other Textiles & Textile Products

10,124

1965,14

1535,55

20,309

1832,71

1481,21

5. Paper, Paper Products & Printing

2,120

641,55

475,75

4,356

1130,91

857,85

6. Woods and Wood Products

4,592

98,53

80,04

12,744

134,29

107,10

7. Leather & Leather Products

2,104

130,34

98,57

4,127

114,64

102,33

8. Gems and Jewellary

566

86,17

77,27

4,876

45,30

34,77

9. Rubber & Plastic Products

1,310

567,19

392,97

2,381

1225,94

881,71

10. Chemicals & Chemical Products

2,779

1566,56

1303,49

4,873

3552,69

2339,50

  (a) Heavy Industrial Chemicals

143

251,19

207,82

309

1226,47

873,76

  (b) Fertilisers

79

104,57

90,17

439

889,93

536,41

  (c) Drugs & Pharmaceuticals

321

184,26

144,31

1,235

443,13

362,67

  (d) Non-Edible Oils

84

27,71

23,63

102

54,52

32,38

  (e) Other Chemicals & Chemical Products

2,152

998,84

837,55

2,788

938,65

534,28

11. Petroleum, Coal Products & Nuclear Fuels

132

727,82

425,28

221

2399,45

692,19

12. Manufacture of Cement & Cement Products

2,730

199,00

144,91

2,806

3032,77

2119,06

13. Basic Metals & Metal Products

3,706

3663,94

2712,25

7,530

13738,42

10146,22

  (a) Iron & Steel

830

3215,01

2420,29

811

10164,76

7473,50

  (b) Non-Ferrous Metals

264

220,72

115,97

158

682,79

571,05

  (c) Metal Products

2,612

228,22

175,98

6,561

2890,88

2101,67

14. Engineering

7,215

1783,27

1318,01

13,139

4175,28

3274,69

  (a) Heavy Engineering

476

283,46

156,84

2,870

439,49

351,79

  (b) Light Engineering

4,851

511,62

395,48

6,632

2628,14

2150,29

  (c) Electrical Machinery & Goods

1,550

749,96

581,15

2,245

870,22

626,45

  (d) Electronic Machinery & Goods

338

238,23

184,53

1,392

237,44

146,17

15. Vehicles, Vehicle Parts & Transport Equipments

749

480,64

318,38

4,387

1072,41

720,01

16. Other Industries

25,297

1635,25

1217,74

84,345

1996,88

1578,85

17. Electricity, Gas & Water

188

2054,75

1297,82

375

10678,16

8026,68

  (a) Electricity Generation & Transmission

82

1900,95

1164,33

170

10155,66

7605,43

  (b) Non-Conventional Energy

23

82,18

64,56

105

381,83

284,56

  (c) Gas, Steam & Water Supply

83

71,63

68,93

100

140,67

136,70

18. Construction

13,714

3043,90

2011,33

16,858

8026,21

6424,11

(a) Other than Infrastructure

1,503

979,10

643,71

11,185

1853,04

1713,59

(b) Infrastructure Construction

12,211

2064,80

1367,62

5,673

6173,17

4710,52

III.

TRANSPORT OPERATORS

26,428

1164,02

786,98

56,519

957,31

793,21

IV.

PROFESSIONAL AND OTHER SERVICES

59,516

3832,90

2597,10

3,13,660

6552,17

5487,58

1. Professional Services

3,500

247,73

133,75

72,133

710,70

593,00

2. Tourism, Hotel & Restaurants

7,452

398,72

281,70

15,155

405,24

349,88

3. Recreation services

1,703

42,45

30,78

2,588

65,23

52,58

4. IT and Telecommunications

277

466,47

369,92

307

456,09

444,61

5. Others

46,584

2677,54

1780,94

2,23,477

4914,91

4047,50

V.

PERSONAL LOANS

15,38,105

23525,45

18268,18

17,12,234

20776,57

17287,90

1. Housing

2,69,223

9350,56

7495,95

3,35,015

8666,80

7637,71

2. Consumer Durables

30,867

183,72

137,19

72,689

504,07

389,53

3. Vehicles

81,140

1641,61

1253,44

1,03,308

1312,40

1102,25

4. Education

59,846

1549,01

1005,29

1,83,573

2556,26

2031,10

5. Personal Credit Cards

-

-

-

88,826

394,25

274,43

6. Others

10,97,029

10800,54

8376,32

9,28,823

7342,79

5852,88

VI.

TRADE

4,23,098

15070,34

6961,37

10,60,102

23047,26

20502,07

1. Wholesale Trade

4,896

9921,80

2800,54

86,638

14663,47

13884,64

2. Retail Trade

4,18,202

5148,53

4160,84

9,73,464

8383,79

6617,44

VII.

FINANCE

3,390

2021,21

1705,07

71,743

1880,45

1487,01

VIII.

ALL OTHERS

25,616

334,44

289,41

8,02,592

5188,02

4453,89

TOTAL BANK CREDIT

65,18,241

100943,11

73645,26

139,44,416

193719,35

159554,38

TABLE NO. 5.5 – POPULATION GROUP AND BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING
CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION – MARCH 2009

RURAL

(Amount in Rupees Lakh)

OCCUPATION

FOREIGN BANKS

REGIONAL RURAL BANKS

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

5

101,08

35,14

75,17,966

33444,74

27973,72

1. Direct Finance

5

101,08

35,14

73,87,935

32137,31

26918,20

2. Indirect Finance

-

-

-

1,30,031

1307,44

1055,52

II.

INDUSTRY

1,321

4995,66

3215,77

4,21,014

2013,97

1475,42

1. Mining & Quarrying

3

49,36

24,00

580

36,70

24,97

2. Food Manufacturing & Processing

11

263,82

232,89

80,692

348,65

242,41

  (a) Rice Mills, Flour & Dal Mills

7

239,82

220,62

20,890

173,95

124,05

  (b) Sugar

-

-

-

18

80

65

  (c) Edible Oils & Vanaspati

-

-

-

2,347

16,24

9,85

  (d) Tea Processing

-

-

-

1,776

6,69

4,10

  (e) Processing of Fruits & Vegetables

-

-

-

123

8,10

6,26

  (f) Others

4

24,00

12,27

55,538

142,88

97,51

3. Beverage & Tobacco

5

777,58

290,13

122

6,70

5,60

4. Textiles

34

102,26

97,04

50,673

302,24

213,65

  (a) Cotton Textiles

11

39,95

35,30

8,684

96,94

74,45

  (b) Jute & Other Natural Fibre Textiles

-

-

-

8,069

75,67

43,59

  (c) Handloom Textiles & Khadi

-

-

-

21,632

63,80

44,67

  (d) Other Textiles & Textile Products

23

62,31

61,74

12,288

65,83

50,95

5. Paper, Paper Products & Printing

6

7,83

7,52

3,659

19,55

12,11

6. Woods and Wood Products

-

-

-

15,259

58,03

46,02

7. Leather & Leather Products

-

-

-

16,505

42,48

18,95

8. Gems and Jewellary

1

3

3

30,647

69,00

54,61

9. Rubber & Plastic Products

7

62,19

14,97

3,506

10,52

8,14

10. Chemicals & Chemical Products

39

996,10

883,32

8,017

31,76

25,49

  (a) Heavy Industrial Chemicals

1

507,20

507,20

15

2,28

1,91

  (b) Fertilisers

4

80,00

32,38

707

3,71

2,83

  (c) Drugs & Pharmaceuticals

17

315,35

301,15

2,368

6,37

4,77

  (d) Non-Edible Oils

-

-

-

5

40

24

  (e) Other Chemicals & Chemical Products

17

93,55

42,59

4,922

19,00

15,74

11. Petroleum, Coal Products & Nuclear Fuels

6

66,96

43,20

27

1,95

1,43

12. Manufacture of Cement & Cement Products

6

259,50

161,38

2,279

21,08

13,43

13. Basic Metals & Metal Products

79

747,56

348,25

5,008

27,71

15,82

  (a) Iron & Steel

7

14,01

4,78

17

84

73

  (b) Non-Ferrous Metals

44

653,69

319,33

11

45

25

  (c) Metal Products

28

79,86

24,13

4,980

26,42

14,85

14. Engineering

72

323,64

210,32

6,908

44,48

28,78

  (a) Heavy Engineering

17

111,75

63,42

356

12,74

11,46

  (b) Light Engineering

32

84,13

55,22

3,228

18,11

8,04

  (c) Electrical Machinery & Goods

16

84,51

54,20

1,371

7,92

4,69

  (d) Electronic Machinery & Goods

7

43,25

37,49

1,953

5,71

4,60

15. Vehicles, Vehicle Parts & Transport Equipments

97

657,47

485,50

8,579

47,93

34,61

16. Other Industries

30

231,72

148,88

1,73,146

515,51

358,06

17. Electricity, Gas & Water

3

80,72

16,87

185

6,58

4,30

  (a) Electricity Generation & Transmission

-

-

-

10

67

19

  (b) Non-Conventional Energy

2

30,00

16,87

147

4,42

2,90

  (c) Gas, Steam & Water Supply

1

50,72

-

28

1,49

1,20

18. Construction

922

368,93

251,47

15,222

423,12

367,04

(a) Other than Infrastructure

2

6

6

7,559

356,47

313,72

(b) Infrastructure Construction

920

368,87

251,41

7,663

66,65

53,33

III.

TRANSPORT OPERATORS

4

3,83

2,83

77,480

615,41

449,82

IV.

PROFESSIONAL AND OTHER SERVICES

227

749,83

720,07

3,82,845

1456,31

1066,79

1. Professional Services

133

8,86

8,86

1,31,638

421,44

303,95

2. Tourism, Hotel & Restaurants

3

70

70

22,938

153,74

100,51

3. Recreation services

-

-

-

3,333

16,27

11,21

4. IT and Telecommunications

5

41,20

41,20

49

2,67

2,10

5. Others

86

699,07

669,32

2,24,887

862,20

649,03

V.

PERSONAL LOANS

1,284

40,89

16,01

13,90,158

8672,72

6628,48

1. Housing

18

1,92

1,91

1,54,327

2156,43

1736,32

2. Consumer Durables

-

-

-

1,77,945

1238,01

873,64

3. Vehicles

9

25

4

55,156

366,62

272,74

4. Education

-

-

-

23,312

216,35

175,22

5. Personal Credit Cards

225

7,06

2,09

-

-

-

6. Others

1,032

31,67

11,98

9,79,418

4695,31

3570,56

VI.

TRADE

293

431,91

301,93

12,46,475

4317,69

3300,71

1. Wholesale Trade

100

97,85

55,90

69,444

393,60

308,25

2. Retail Trade

193

334,06

246,02

11,77,031

3924,09

2992,47

VII.

FINANCE

30

157,95

96,68

4,24,640

2542,79

1916,38

VIII.

ALL OTHERS

59

266,26

218,32

8,02,155

3060,21

2433,48

TOTAL BANK CREDIT

3,223

6747,41

4606,76

122,62,733

56123,84

45244,82

TABLE NO. 5.5 – POPULATION GROUP AND BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING
CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION – MARCH 2009

RURAL

 (Amount in Rupees Lakh)

OCCUPATION

PRIVATE SECTOR BANKS

ALL SCHEDULED
COMMERCIAL BANKS

No. of  Accounts

Credit  Limit

Amount  Outstanding

No. of  Accounts

Credit  Limit

Amount  Outstanding

13

14

15

16

17

18

I.

AGRICULTURE

4,28,266

5416,53

4537,17

219,46,199

140643,85

119895,35

1. Direct Finance

4,21,123

4610,34

3878,56

215,86,855

131800,65

112926,52

2. Indirect Finance

7,143

806,19

658,61

3,59,344

8843,21

6968,83

II.

INDUSTRY

25,953

12079,61

7122,44

8,17,980

107720,04

77044,20

1. Mining & Quarrying

258

146,97

98,71

4,380

4199,19

3506,73

2. Food Manufacturing & Processing

2,373

1251,23

632,85

1,56,205

9563,74

7035,16

  (a) Rice Mills, Flour & Dal Mills

425

216,44

89,51

53,042

2704,64

2070,13

  (b) Sugar

32

193,31

73,91

340

2844,10

2007,64

  (c) Edible Oils & Vanaspati

158

83,80

37,42

5,358

561,67

372,83

  (d) Tea Processing

239

161,49

113,10

2,617

802,13

620,99

  (e) Processing of Fruits & Vegetables

87

161,38

81,26

880

255,11

152,84

  (f) Others

1,432

434,81

237,64

93,968

2396,09

1810,73

3. Beverage & Tobacco

45

364,78

228,49

1,231

1839,78

1069,44

4. Textiles

7,563

1790,68

926,09

1,20,015

10466,79

7457,17

  (a) Cotton Textiles

624

1138,99

467,84

18,615

5443,01

3536,79

  (b) Jute & Other Natural Fibre Textiles

108

1,23

86

13,717

215,26

155,69

  (c) Handloom Textiles & Khadi

4,256

29,15

18,97

42,364

261,22

196,81

  (d) Other Textiles & Textile Products

2,575

621,31

438,42

45,319

4547,30

3567,88

5. Paper, Paper Products & Printing

345

159,36

95,60

10,486

1959,19

1448,83

6. Woods and Wood Products

837

40,85

32,41

33,432

331,69

265,57

7. Leather & Leather Products

346

66,91

40,12

23,082

354,37

259,97

8. Gems and Jewellary

189

6,35

5,02

36,279

206,85

171,70

9. Rubber & Plastic Products

257

62,28

39,61

7,461

1928,12

1337,40

10. Chemicals & Chemical Products

500

802,75

638,42

16,208

6949,87

5190,22

  (a) Heavy Industrial Chemicals

34

119,97

78,70

502

2107,10

1669,39

  (b) Fertilisers

14

49,71

48,36

1,243

1127,92

710,15

  (c) Drugs & Pharmaceuticals

190

105,77

71,13

4,131

1054,87

884,04

  (d) Non-Edible Oils

11

13,42

13,41

202

96,04

69,66

  (e) Other Chemicals & Chemical Products

251

513,89

426,82

10,130

2563,93

1856,97

11. Petroleum, Coal Products & Nuclear Fuels

52

72,90

66,75

438

3269,07

1228,85

12. Manufacture of Cement & Cement Products

250

134,37

99,22

8,071

3646,71

2538,00

13. Basic Metals & Metal Products

826

982,14

786,47

17,149

19159,78

14009,00

  (a) Iron & Steel

110

690,75

598,09

1,775

14085,37

10497,40

  (b) Non-Ferrous Metals

71

92,34

55,69

548

1649,99

1062,29

  (c) Metal Products

645

199,05

132,69

14,826

3424,42

2449,32

14. Engineering

2,807

452,26

265,27

30,141

6778,94

5097,07

  (a) Heavy Engineering

43

21,76

16,73

3,762

869,20

600,24

  (b) Light Engineering

2,443

253,59

112,79

17,186

3495,58

2721,82

  (c) Electrical Machinery & Goods

195

54,78

41,21

5,377

1767,40

1307,69

  (d) Electronic Machinery & Goods

126

122,13

94,54

3,816

646,76

467,32

15. Vehicles, Vehicle Parts & Transport Equipments

669

459,02

345,22

14,481

2717,46

1903,73

16. Other Industries

3,778

354,32

219,44

2,86,596

4733,68

3522,96

17. Electricity, Gas & Water

255

2415,35

999,36

1,006

15235,55

10345,04

  (a) Electricity Generation & Transmission

239

2394,91

979,97

501

14452,18

9749,92

  (b) Non-Conventional Energy

6

16,48

16,16

283

514,91

385,06

  (c) Gas, Steam & Water Supply

10

3,95

3,23

222

268,46

210,06

18. Construction

4,603

2517,10

1603,40

51,319

14379,26

10657,36

(a) Other than Infrastructure

3,401

1332,57

1009,04

23,650

4521,24

3680,12

(b) Infrastructure Construction

1,202

1184,53

594,36

27,669

9858,02

6977,24

III.

TRANSPORT OPERATORS

34,098

2156,84

1536,80

1,94,529

4897,42

3569,63

IV.

PROFESSIONAL AND OTHER SERVICES

21,368

2563,38

1844,87

7,77,616

15154,60

11716,42

1. Professional Services

2,054

274,19

154,34

2,09,458

1662,91

1193,90

2. Tourism, Hotel & Restaurants

900

106,39

79,09

46,448

1064,80

811,89

3. Recreation services

133

14,68

13,32

7,757

138,63

107,90

4. IT and Telecommunications

74

68,08

62,04

712

1034,51

919,86

5. Others

18,207

2100,04

1536,08

5,13,241

11253,75

8682,87

V.

PERSONAL LOANS

4,08,316

11762,24

8213,79

50,50,097

64777,87

50414,38

1. Housing

59,472

4160,17

3416,77

8,18,055

24335,88

20288,66

2. Consumer Durables

33,561

403,50

316,03

3,15,062

2329,30

1716,40

3. Vehicles

1,30,180

4304,22

2549,65

3,69,793

7625,09

5178,12

4. Education

7,348

150,02

99,78

2,74,079

4471,65

3311,40

5. Personal Credit Cards

4,742

153,05

48,92

93,793

554,36

325,44

6. Others

1,73,013

2591,27

1782,62

31,79,315

25461,59

19594,36

VI.

TRADE

64,181

2461,57

1893,65

27,94,149

45328,78

32959,74

1. Wholesale Trade

1,612

875,65

666,93

1,62,690

25952,38

17716,26

2. Retail Trade

62,569

1585,92

1226,72

26,31,459

19376,40

15243,48

VII.

FINANCE

2,476

1069,19

740,57

5,02,279

7671,59

5945,71

VIII.

ALL OTHERS

1,09,268

925,88

685,84

17,39,690

9774,81

8080,94

TOTAL BANK CREDIT

10,93,926

38435,24

26575,14

338,22,539

395968,95

309626,36