Table No.5.7–State and Population Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation March2002

NORTHERN REGION

(Amount in Rupees Lakh)

RURAL

SEMI-URBAN

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

97,426

273,39

209,34

8,553

97,88

83,99

1.

Direct Finance

94,420

255,01

193,67

8,074

58,22

47,66

2.

Indirect Finance

3,006

18,38

15,66

479

39,67

36,33

II.

INDUSTRY

20,174

403,36

355,37

3,758

554,55

474,85

1.

Mining & Quarrying

68

4,98

4,20

19

1,56

1,70

2.

Food Manufacturing & Processing

425

25,35

20,87

100

21,61

15,24

(a) RiceMills, Flour & DalMills

221

13,40

10,79

41

2,05

1,75

(b) Sugar

3

20

15

1

5

5

(c) Edible Oils & Vanaspati

29

2,45

2,28

5

7,59

2,18

(d) Tea Processing

2

9

10

2

9

8

(e) Processing of Fruits & Vegetables

13

2,57

2,32

4

1,19

92

(f) Others

157

6,64

5,24

47

10,64

10,26

3.

Beverage & Tobacco

16

10,20

10,49

10

84

77

4.

Textiles

532

33,40

29,68

213

82,99

70,58

(a) Cotton Textiles

30

16,57

15,94

13

3,70

2,69

(b) Jute & Other Natural Fibre Textiles

7

6

3

5

15

11

(c) Handloom Textiles & Khadi

361

2,27

1,62

108

2,52

2,47

(d) Other Textiles & Textile Products

134

14,50

12,09

87

76,63

65,30

5.

Paper, Paper Products & Printing

115

6,85

5,39

80

13,68

2,96

6.

Leather & Leather Products

58

88

52

35

29

24

7.

Rubber & Plastic Products

186

36,42

31,39

58

5,19

4,95

8.

Chemicals & Chemical Products

130

44,61

38,75

69

26,11

18,21

(a) Heavy Industrial Chemicals

8

7,78

5,14

1

10

10

(b) Fertilisers

1

4

1

1

20

11

(c) Drugs & Pharmaceuticals

37

28,39

27,06

51

24,57

17,12

(d) Non-Edible Oils

9

83

50

1

6

6

(e) Other Chemicals & Chemical Products

75

7,56

6,04

15

1,19

82

9.

Petroleum, Coal Products & Nuclear Fuels

2

40

41

1

20

21

10.

Manufacture of Cement & Cement Products

48

1,80

1,54

22

77

70

11.

Basic Metals & Metal Products

460

42,31

37,94

121

20,99

17,19

(a) Iron & Steel

70

16,22

13,63

18

7,94

6,28

(b) Non-Ferrous Metals

7

1,39

83

2

13

12

(c) Metal Products

383

24,70

23,48

101

12,91

10,79

12.

Engineering

400

40,25

34,50

116

38,61

25,61

(a) Heavy Engineering

27

5,10

4,77

12

2,06

1,97

(b) Light Engineering

84

4,96

3,29

30

4,44

3,36

(c) Electrical Machinery & Goods

238

10,64

9,35

41

75

56

(d) Electronic Machinery &Goods

51

19,55

17,09

33

31,37

19,72

13.

Vehicles, Vehicle Parts & Transport Equipments

108

4,68

4,26

40

11,23

7,08

14.

Other Industries

17,187

81,22

66,82

2,677

22,18

18,38

15.

Electricity, Gas & Water

6

57,53

57,80

12

296,77

282,08

(a) Electricity Generation & Transmission

2

57,18

57,49

11

296,72

282,04

(b) Non-Conventional Energy

—

—

—

—

—

—

(c) Gas, Steam & Water Supply

4

35

31

1

5

5

16.

Construction

433

12,49

10,80

185

11,55

8,97

III.

TRANSPORT OPERATORS

8,740

149,86

92,09

2,567

69,31

51,89

IV.

PROFESSIONAL AND OTHER SERVICES

5,635

57,71

42,52

1,942

395,56

368,40

V.

PERSONAL LOANS

88,477

440,87

360,44

33,792

235,24

197,24

1.

Loans for Purchase of Consumer Durables

8,608

30,74

22,11

3,687

15,87

11,02

2.

Loans for Housing

8,988

136,57

116,67

5,875

95,52

82,12

3.

Rest of the Personal Loans

70,881

273,57

221,67

24,230

123,85

104,09

VI.

TRADE

38,469

256,35

208,80

10,182

132,19

110,68

1.

Wholesale Trade

1,151

46,18

41,34

463

25,34

21,66

2.

Retail Trade

37,318

210,17

167,46

9,719

106,85

89,02

VII.

FINANCE

234

5,32

3,26

90

12,25

11,97

VIII.

ALL OTHERS

18,868

165,95

135,70

7,584

127,81

108,24

TOTAL BANK CREDIT

2,78,023

1752,82

1407,51

68,468

1624,78

1407,28

OF WHICH:

1.Artisansand Village & TinyIndustries

10,169

56,35

45,09

1,036

10,78

9,42

2.Other Small Scale Industries

7,448

106,23

88,88

1,977

35,57

30,45

Note : There are Urban and Metropolitan Centres in Himachal Pradesh