Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1998

NORTHERN REGION

STATE :JAMMU & KASHMIR

(Amount in Rupees Lakh)

STATE BANK OF INDIA

NATIONALISED BANKS

FOREIGN BANKS

AND ITS ASSOCIATES

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

13,908

25,59

18,85

8,202

18,37

15,99

-

-

-

1.

Direct Finance

13,866

25,01

18,39

8,014

17,61

15,26

-

-

-

2.

Indirect Finance

42

58

46

188

76

73

-

-

-

II.

INDUSTRY

4,404

67,25

48,48

4,857

95,82

90,48

4

4,22

3,46

1.

Mining & Quarrying

5

30

26

27

94

62

-

-

-

2.

Food Manufacturing & Processing

320

13,90

8,46

254

20,46

17,13

-

-

-

(a)

Rice Mills, Flour & Dal Mills

59

4,34

3,38

101

10,87

8,73

-

-

-

(b)

Sugar

2

2

1

-

-

-

-

-

-

(c)

Edible Oils & Vanaspati

89

2,78

2,21

40

2,41

1,98

-

-

-

(d)

Tea Processing

1

1

1

2

4

7

-

-

-

(e)

Processing of Fruits & Vegetables

1

2

2

22

27

23

-

-

-

(f)

Others

168

6,74

2,84

89

6,86

6,12

-

-

-

3.

Beverage & Tobacco

9

1,70

6

17

60

59

-

-

-

4.

Textiles

213

4,54

3,94

369

9,33

8,55

-

-

-

(a)

Cotton Textiles

9

2,25

1,74

13

3,31

3,25

-

-

-

(b)

Jute Textiles

1

5

2

5

17

22

-

-

-

(c)

Handloom Textiles & Khadi

4

5

4

24

34

43

-

-

-

(d)

Other Textiles

199

2,19

2,13

327

5,51

4,65

-

-

-

5.

Paper, Paper Products & Printing

50

1,22

1,01

94

2,52

2,47

-

-

-

6.

Leather & Leather Products

37

77

58

61

49

50

-

-

-

7.

Rubber & Rubber Products

6

13

18

19

1,49

1,18

-

-

-

8.

Chemicals & Chemical Products

75

2,66

2,24

128

11,36

13,49

-

-

-

(a)

Heavy Industrial Chemicals

2

30

18

3

11

17

-

-

-

(b)

Fertilisers

-

-

-

1

4

19

-

-

-

(c)

Drugs & Pharmaceuticals

13

20

7

33

3,31

3,62

-

-

-

(d)

Non-Edible Oils

1

1

2

-

-

-

-

-

-

(e)

Other Chemicals & Chemical Products

59

2,15

1,97

91

7,90

9,51

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

189

3,32

2,94

4

8

4

-

-

-

10.

Manufacture of Cement & Cement Products

6

18

14

32

5,60

4,08

-

-

-

11.

Basic Metals & Metal Products

188

6,47

5,43

153

8,49

7,30

-

-

-

(a)

Iron & Steel

23

2,00

1,85

48

6,02

5,33

-

-

-

(b)

Non-Ferrous Metals

4

9

4

6

12

10

-

-

-

(c)

Other Metal Products

161

4,38

3,53

99

2,34

1,87

-

-

-

12.

Engineering

145

4,36

3,64

171

5,73

5,33

3

4,20

3,46

(a)

Heavy Engineering

3

3

4

4

4

5

-

-

-

(b)

Light Engineering

56

1,24

98

49

3,13

2,99

3

4,20

3,46

(c)

Electrical Machinery & Goods

73

2,71

2,36

73

2,15

1,88

-

-

-

(d)

Electronic Machinery & Goods

13

38

27

45

40

42

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

28

30

28

68

4,99

4,26

-

-

-

14.

Other Industries

3,075

26,52

18,60

3,411

18,05

18,92

1

2

-

15.

Electricity, Gas & Water

11

30

28

9

53

46

-

-

-

(a)

Electricity Generation & Transmission

7

28

26

8

52

46

-

-

-

(b)

Non-Conventional Energy

-

-

-

-

-

-

-

-

-

(c)

Gas, Steam & Water Supply

4

2

1

1

1

-

-

-

-

16.

Construction

47

60

45

40

5,17

5,57

-

-

-

III.

TRANSPORT OPERATORS

2,030

44,40

31,95

1,294

25,83

19,76

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

215

15,23

13,51

7,294

15,39

13,67

3

4

1

V.

PERSONAL LOANS

3,725

32,18

26,47

15,832

64,46

56,82

8

4

2

1.

Loans for Purchase of Consumer Durables

195

2,14

1,76

2,425

4,71

3,77

-

-

-

2.

Loans for Housing

991

12,26

10,78

1,739

19,28

16,73

-

-

-

3.

Rest of the Personal Loans

2,539

17,78

13,93

11,668

40,47

36,32

8

4

2

VI.

TRADE

9,431

40,40

34,93

11,540

59,31

53,91

10

35

30

1.

Wholesale Trade

515

4,44

3,88

929

16,68

15,50

7

22

18

2.

Retail Trade

8,916

35,96

31,06

10,611

42,63

38,41

3

13

13

VII.

FINANCE

36

83

82

70

5,16

3,93

-

-

-

VIII.

ALL OTHERS

166

4,19

3,51

5,524

38,54

35,16

-

-

-

TOTAL BANK CREDIT

33,915

230,07

178,50

54,613

322,87

289,72

25

4,64

3,79

OF WHICH:

1. Artisans & Village Industries

772

3,13

3,02

1,281

2,88

2,80

1

2

-

2. Other Small Scale Industries

1,700

31,87

24,82

2,378

54,32

51,26

-

-

-

NORTHERN REGION

STATE :JAMMU & KASHMIR

(Amount in Rupees Lakh)

REGIONAL RURAL BANKS

OTHER SCHEDULED

ALL SCHEDULED

COMMERCIAL BANKS

COMMERCIAL BANKS

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

36,823

25,41

23,03

21,473

69,54

67,59

80,406

138,91

125,46

1.

Direct Finance

36,472

24,82

22,54

21,340

43,22

43,99

79,692

110,65

100,17

2.

Indirect Finance

351

60

50

133

26,33

23,60

714

28,26

25,29

II.

INDUSTRY

20,196

10,54

9,31

11,260

203,19

184,31

40,721

381,02

336,04

1.

Mining & Quarrying

-

-

-

15

2,40

3,82

47

3,64

4,70

2.

Food Manufacturing & Processing

160

80

72

498

28,68

26,31

1,232

63,83

52,63

(a)

Rice Mills, Flour & Dal Mills

39

69

62

120

13,73

12,39

319

29,64

25,11

(b)

Sugar

1

2

1

1

-

-

4

4

3

(c)

Edible Oils & Vanaspati

3

2

2

176

10,49

9,05

308

15,70

13,25

(d)

Tea Processing

-

-

-

-

-

-

3

5

8

(e)

Processing of Fruits & Vegetables

-

-

-

7

20

18

30

49

44

(f)

Others

117

7

7

194

4,25

4,69

568

17,92

13,73

3.

Beverage & Tobacco

-

-

-

40

9,98

9,70

66

12,28

10,35

4.

Textiles

3

2

2

1,277

57,48

44,61

1,862

71,37

57,11

(a)

Cotton Textiles

1

1

1

42

34,34

20,98

65

39,90

25,97

(b)

Jute Textiles

-

-

-

2

3

2

8

24

26

(c)

Handloom Textiles & Khadi

-

-

-

90

70

57

118

1,09

1,04

(d)

Other Textiles

2

1

1

1,143

22,42

23,05

1,671

30,13

29,84

5.

Paper, Paper Products & Printing

-

-

-

157

4,91

5,00

301

8,64

8,48

6.

Leather & Leather Products

1

50

51

200

3,04

3,00

299

4,80

4,58

7.

Rubber & Rubber Products

-

-

-

13

30

36

38

1,92

1,72

8.

Chemicals & Chemical Products

-

-

-

142

24,13

14,31

345

38,14

30,04

(a)

Heavy Industrial Chemicals

-

-

-

6

42

71

11

83

1,06

(b)

Fertilisers

-

-

-

-

-

-

1

4

19

(c)

Drugs & Pharmaceuticals

-

-

-

55

1,26

1,38

101

4,77

5,07

(d)

Non-Edible Oils

-

-

-

1

1

1

2

2

3

(e)

Other Chemicals & Chemical Products

-

-

-

80

22,43

12,21

230

32,48

23,69

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

3

11

16

196

3,51

3,14

10.

Manufacture of Cement & Cement Products

20

63

45

49

3,27

3,49

107

9,68

8,15

11.

Basic Metals & Metal Products

3

4

4

338

20,55

28,71

682

35,55

41,48

(a)

Iron & Steel

1

-

1

44

11,36

18,90

116

19,38

26,10

(b)

Non-Ferrous Metals

-

-

-

3

12

19

13

33

33

(c)

Other Metal Products

2

4

3

291

9,08

9,62

553

15,84

15,05

12.

Engineering

1

1

1

250

7,33

7,59

570

21,62

20,03

(a)

Heavy Engineering

-

-

-

13

46

32

20

52

40

(b)

Light Engineering

-

-

-

35

3,05

2,94

143

11,63

10,37

(c)

Electrical Machinery & Goods

1

1

1

127

2,79

2,61

274

7,66

6,85

(d)

Electronic Machinery & Goods

-

-

-

75

1,03

1,72

133

1,81

2,41

13.

Vehicles, Vehicle Parts & Transport Equipments

6

13

10

59

1,87

1,43

161

7,29

6,06

14.

Other Industries

20,002

8,42

7,47

8,027

33,55

30,16

34,516

86,56

75,15

15.

Electricity, Gas & Water

-

-

-

6

21

16

26

1,04

90

(a)

Electricity Generation & Transmission

-

-

-

4

9

8

19

89

80

(b)

Non-Conventional Energy

-

-

-

-

-

-

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

2

12

8

7

15

10

16.

Construction

-

-

-

186

5,38

5,51

273

11,16

11,53

III.

TRANSPORT OPERATORS

5,725

13,60

11,76

3,967

65,59

52,37

13,016

149,42

115,84

IV.

PROFESSIONAL AND OTHER SERVICES

822

57

55

4,214

979,36

971,87

12,548

1010,58

999,61

V.

PERSONAL LOANS

7,229

13,28

12,55

29,724

101,17

91,96

56,518

211,12

187,81

1.

Loans for Purchase of Consumer Durables

222

39

38

2,729

5,07

3,92

5,571

12,32

9,83

2.

Loans for Housing

1,023

4,53

3,99

3,918

43,96

38,81

7,671

80,02

70,30

3.

Rest of the Personal Loans

5,984

8,36

8,18

23,077

52,13

49,22

43,276

118,78

107,68

VI.

TRADE

19,425

20,85

19,64

22,905

154,41

134,88

63,311

275,32

243,67

1.

Wholesale Trade

1,763

97

86

1,439

44,27

39,66

4,653

66,58

60,07

2.

Retail Trade

17,662

19,87

18,78

21,466

110,14

95,22

58,658

208,74

183,59

VII.

FINANCE

4

13

11

19

2,85

3,16

129

8,97

8,01

VIII.

ALL OTHERS

4,267

3,37

3,14

5,396

9,73

8,30

15,353

55,83

50,11

TOTAL BANK CREDIT

94,491

87,75

80,08

98,958

1585,84

1514,46

2,82,002

2231,18

2066,55

OF WHICH:

1. Artisans & Village Industries

18,252

7,63

6,71

4,744

9,73

9,63

25,050

23,38

22,17

2. Other Small Scale Industries

1,672

1,45

1,37

4,339

72,24

67,69

10,089

159,88

145,14