NORTHERN REGION

STATE: JAMMU & KASHMIR

(Amount in ` Lakh)

OCCUPATION

RURAL

SEMI-URBAN

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

56,854

965,06

740,69

21,300

319,59

235,53

1. Direct Finance

56,207

928,58

711,21

20,941

302,33

222,99

2. Indirect Finance

647

36,48

29,48

359

17,26

12,54

II.

INDUSTRY

15,110

1083,70

869,27

6,074

236,20

170,63

1. Mining & Quarrying

157

20,21

14,35

28

2,23

1,58

2. Food Manufacturing & Processing

748

58,90

46,25

516

43,45

33,88

(a) Rice Mills, Flour & Dal Mills

137

7,16

6,50

106

24,19

18,34

(b) Sugar

1

5

4

-

-

-

(c) Edible Oils & Vanaspati

57

2,23

1,86

16

3,30

2,74

(d) Tea Processing

170

2,76

1,49

122

1,50

1,02

(e) Processing of Fruits & Vegetables

26

6,74

4,99

10

1,09

97

(f) Others

357

39,97

31,36

262

13,37

10,82

3. Beverage & Tobacco

34

10,75

8,99

17

5,18

4,19

4. Textiles

7,013

191,31

113,40

2,693

43,33

26,25

(a) Cotton Textiles

154

2,85

2,23

87

20,24

10,17

(b) Jute & Other Natural Fibre Textiles

108

78

51

44

42

32

(c) Handloom Textiles & Khadi

4,432

29,14

18,20

1,576

10,80

7,07

(d) Other Textiles & Textile Products

2,319

158,54

92,46

986

11,86

8,69

5. Paper, Paper Products & Printing

160

33,76

27,21

168

19,18

11,16

6. Woods and Wood Products

514

18,84

15,74

577

8,38

6,42

7. Leather & Leather Products

110

1,40

98

64

57

38

8. Gems and Jewellery

149

1,82

1,29

74

92

63

9. Rubber & Plastic Products

89

3,21

2,44

44

3,94

2,91

10. Chemicals & Chemical Products

188

87,04

56,63

81

22,56

20,12

(a) Heavy Industrial Chemicals

3

1,43

1,31

7

14,11

13,00

(b) Fertilisers

1

2

1

2

19

18

(c) Drugs & Pharmaceuticals

124

80,27

51,17

40

6,53

5,45

(d) Non-Edible Oils

1

6

6

1

20

19

(e) Other Chemicals & Chemical Products

59

5,26

4,07

31

1,54

1,29

11. Petroleum, Coal Products & Nuclear Fuels

16

2,77

2,18

5

96

59

12. Manufacture of Cement & Cement Products

128

16,71

13,13

105

10,09

7,54

13. Basic Metals & Metal Products

632

345,71

336,04

286

12,07

8,50

(a) Iron & Steel

40

310,20

308,24

26

2,13

1,59

(b) Non-Ferrous Metals

59

17,47

12,59

6

5,32

3,53

(c) Metal Products

533

18,04

15,21

254

4,63

3,38

14. Engineering

644

26,98

19,31

317

14,64

11,99

(a) Heavy Engineering

17

1,66

95

5

28

24

(b) Light Engineering

353

16,84

11,99

190

4,90

3,58

(c) Electrical Machinery & Goods

171

7,26

5,62

85

8,89

7,73

(d) Electronic Machinery & Goods

103

1,22

75

37

57

44

15. Vehicles, Vehicle Parts & Transport Equipments

438

26,72

20,13

97

2,04

1,68

16. Other Industries

3,184

119,33

98,14

897

30,37

24,22

17. Electricity, Gas & Water

134

39,69

37,07

3

13

11

(a) Electricity Generation & Transmission

134

39,69

37,07

1

5

4

(b) Non-Conventional Energy

-

-

-

1

4

4

(c) Gas, Steam & Water Supply

-

-

-

1

4

3

18. Construction

772

78,54

55,98

102

16,18

8,46

(a) Other than Infrastructure

650

56,32

37,80

75

11,99

5,80

(b) Infrastructure Construction

122

22,23

18,17

27

4,19

2,67

III.

TRANSPORT OPERATORS

13,313

536,39

345,60

6,295

153,31

107,91

IV.

PROFESSIONAL AND OTHER SERVICES

3,652

220,50

144,54

2,742

100,85

73,86

1. Professional Services

486

24,77

17,76

423

16,77

14,69

2. Tourism, Hotel & Restaurants

421

50,12

30,62

183

33,20

18,52

3. Recreation services

60

2,30

1,51

90

1,85

1,63

4. IT and Telecommunications

25

2,04

1,48

18

80

57

5. Others

2,660

141,28

93,17

2,028

48,23

38,46

V.

PERSONAL LOANS

1,32,577

1939,81

1458,13

68,964

844,78

605,74

1. Housing

16,006

597,19

492,66

5,133

175,60

140,81

2. Consumer Durables

29,703

346,21

253,63

16,919

152,94

104,00

3. Vehicles

31,325

464,82

322,60

14,561

204,66

139,30

4. Education

2,152

51,44

36,64

1,109

23,64

18,07

5. Personal Credit Cards

539

1,72

1,25

553

1,17

1,14

6. Others

52,852

478,43

351,35

30,689

286,77

202,43

VI.

TRADE

45,971

987,34

757,55

19,397

380,08

283,62

1. Wholesale Trade

685

31,66

27,07

258

14,50

11,91

2. Retail Trade

45,286

955,68

730,48

19,139

365,58

271,71

VII.

FINANCE

380

7,58

5,81

176

8,71

7,50

VIII.

ALL OTHERS

9,879

86,52

58,20

4,296

21,18

16,74

TOTAL BANK CREDIT

2,77,736

5826,90

4379,81

1,29,244

2064,71

1501,53

TABLE No. 5.7 – STATE AND POPULATION GROUP–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2010

STATE: JAMMU & KASHMIR

(Amount in ` Lakh)

OCCUPATION

URBAN

METROPOLITAN

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

5,487

365,61

291,46

-

-

-

1. Direct Finance

5,138

180,70

148,85

-

-

-

2. Indirect Finance

349

184,91

142,61

-

-

-

II.

INDUSTRY

9,259

2714,17

2198,87

-

-

-

1. Mining & Quarrying

87

35,02

30,98

-

-

-

2. Food Manufacturing & Processing

866

177,22

136,53

-

-

-

(a) Rice Mills, Flour & Dal Mills

142

54,99

46,04

-

-

-

(b) Sugar

4

51

44

-

-

-

(c) Edible Oils & Vanaspati

30

20,64

13,51

-

-

-

(d) Tea Processing

33

61

44

-

-

-

(e) Processing of Fruits & Vegetables

24

17,55

15,02

-

-

-

(f) Others

633

82,92

61,08

-

-

-

3. Beverage & Tobacco

57

117,53

97,97

-

-

-

4. Textiles

3,059

151,20

90,35

-

-

-

(a) Cotton Textiles

73

7,71

5,99

-

-

-

(b) Jute & Other Natural Fibre Textiles

53

5,03

4,20

-

-

-

(c) Handloom Textiles & Khadi

1,552

15,36

10,64

-

-

-

(d) Other Textiles & Textile Products

1,381

123,10

69,53

-

-

-

5. Paper, Paper Products & Printing

360

81,48

63,35

-

-

-

6. Woods and Wood Products

148

21,24

19,06

-

-

-

7. Leather & Leather Products

157

6,50

4,99

-

-

-

8. Gems and Jewellery

120

17,50

13,74

-

-

-

9. Rubber & Plastic Products

108

42,27

37,79

-

-

-

10. Chemicals & Chemical Products

218

99,17

87,37

-

-

-

(a) Heavy Industrial Chemicals

11

16,24

11,80

-

-

-

(b) Fertilisers

-

-

-

-

-

-

(c) Drugs & Pharmaceuticals

47

30,47

27,75

-

-

-

(d) Non-Edible Oils

2

64

53

-

-

-

(e) Other Chemicals & Chemical Products

158

51,82

47,29

-

-

-

11. Petroleum, Coal Products & Nuclear Fuels

23

18,65

14,72

-

-

-

12. Manufacture of Cement & Cement Products

145

334,71

272,69

-

-

-

13. Basic Metals & Metal Products

559

259,96

202,15

-

-

-

(a) Iron & Steel

128

163,46

135,39

-

-

-

(b) Non-Ferrous Metals

67

76,17

49,49

-

-

-

(c) Metal Products

364

20,33

17,27

-

-

-

14. Engineering

972

158,61

135,38

-

-

-

(a) Heavy Engineering

33

3,35

2,91

-

-

-

(b) Light Engineering

497

43,04

29,85

-

-

-

(c) Electrical Machinery & Goods

352

108,74

99,90

-

-

-

(d) Electronic Machinery & Goods

90

3,48

2,72

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

255

44,81

32,55

-

-

-

16. Other Industries

1,511

238,90

195,69

-

-

-

17. Electricity, Gas & Water

10

75,83

74,49

-

-

-

(a) Electricity Generation & Transmission

7

75,12

73,82

-

-

-

(b) Non-Conventional Energy

-

-

-

-

-

-

(c) Gas, Steam & Water Supply

3

71

67

-

-

-

18. Construction

604

833,58

689,07

-

-

-

(a) Other than Infrastructure

469

316,75

253,97

-

-

-

(b) Infrastructure Construction

135

516,83

435,09

-

-

-

III.

TRANSPORT OPERATORS

6,094

337,51

241,08

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

8,173

4135,88

3679,51

-

-

-

1. Professional Services

1,142

101,33

84,53

-

-

-

2. Tourism, Hotel & Restaurants

1,928

203,18

151,59

-

-

-

3. Recreation services

148

18,72

15,64

-

-

-

4. IT and Telecommunications

49

10,33

8,38

-

-

-

5. Others

4,906

3802,31

3419,36

-

-

-

V.

PERSONAL LOANS

1,31,703

2845,39

2128,96

-

-

-

1. Housing

29,572

1268,42

1012,33

-

-

-

2. Consumer Durables

19,229

232,15

155,13

-

-

-

3. Vehicles

41,292

622,43

435,30

-

-

-

4. Education

4,907

161,32

117,13

-

-

-

5. Personal Credit Cards

2,544

8,60

6,87

-

-

-

6. Others

34,159

552,47

402,20

-

-

-

VI.

TRADE

30,092

2057,44

1754,87

-

-

-

1. Wholesale Trade

1,388

625,38

598,44

-

-

-

2. Retail Trade

28,704

1432,06

1156,43

-

-

-

VII.

FINANCE

222

12,90

6,94

-

-

-

VIII.

ALL OTHERS

8,071

70,44

54,75

-

-

-

TOTAL BANK CREDIT

1,99,101

12539,33

10356,42

-

-

-