Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1997

NORTHERN REGION

(Amount in Rupees Lakh)

STATE BANK OF INDIA AND ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN 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

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

2,07,054

900,26

755,28

3,15,309

1159,62

983,73

-

-

-

1.

Direct Finance

2,00,502

800,75

673,07

3,10,194

1035,17

885,52

-

-

-

2.

Indirect Finance

6,552

99,51

82,21

5,115

124,45

98,20

-

-

-

II.

INDUSTRY

38,649

1543,29

1339,62><

70,560

3285,49

2662,95

95

221,88

209,69

1.

Mining & Quarrying

29

1,07

92

146

8,70

5,45

-

-

-

2.

Food Manufacturing and Processing

1,565

124,12

102,42

2,511

591,76><

469,53

4

8,85

8,94

(a) Rice Mills, Flour and Dal Mills

928

93,60

82,36

1,420

370,14

289,56

3

8,11

8,09

(b) Sugar

6

40

31

31

84,74

66,04

-

-

-

(c) Edible Oils and Vanaspati

306

16,67

13,98

216

46,03

36,86

-

-

-

(d) Tea Processing

1

2

2

13

79

63

1

75

85

(e) Processing of Fruits & Vegetables

4

21

21

43

5,05

5,48

-

-

-

(f) Others

320

13,23

5,55

788

85,01

70,95

-

-

-

3.

Beverage and Tobacco

42

4,61

6,68

97

34,87

29,32

4

3,35

2,96

4.

Textiles

3,401

473,00

395,82

7,551

1099,26

880,77

41

117,72

120,42

(a) Cotton Textiles

692

150,83

136,69

1,044

368,66

279,19

32

101,86

105,20

(b) Jute Textiles

8

22,22

28,20

30

1,53

1,41

-

-

-

(c) Handloom Textiles & Khadi

86

2,28

2,03

355

10,08

8,72

-

-

-

(d) Other Textiles

2,615

297,67

228,90

6,122

718,99

591,45

9

15,86

15,22

5.

Paper, Paper Products and Printing

318

27,06

26,73

1,238

87,03

75,94

-

-

-

6.

Leather and Leather Products

190

6,26

5,92

414

45,97

30,73

2

1,70

1,32

7.

Rubber and Rubber Products

615

51,16

45,30

830

92,01

80,54

-

-

-

8.

Chemicals and Chemical Products

1,090

96,91

83,26

1,638

88,05

78,93

28

49,15

36,26

(a) Heavy Industrial Chemicals

23

1,17

78

116

7,42

6,01

-

-

-

(b) Fertilizers

162

33,07

31,75

59

17,56

16,85

-

-

-

(c) Drugs and Pharmaceuticals

389

18,76

6,50

251

22,04

20,15

17

45,89

34,08

(d) Non-Edible Oils

9

1,53

1,51

58

4,76

4,42

-

-

-

(e) Other Chemicals & Chemical Products

507

42,38

42,72

1,154

36,26

31,51

11

3,26

2,18

9.

Petroleum, Coal Products & Nuclear Fuels

54

2,68

1,50

157

20,61

19,25

-

-

-

10.

Manufacture of Cement & Cement Products

17

2,89

4,24

100

4,83

3,71

-

-

-

11.

Basic Metals & Metal Products

3,373

233,81

204,58

5,657

428,68

374,04

5

3,41

2,33

(a) Iron and Steel

1,432

118,88

104,05

2,890

290,35

257,47

3

1,66

1,63

(b) Non-Ferrous Metals

36

83

76

100

4,31

3,29

-

-

-

(c) Other Metal Products

1,905

114,09

99,78

2,667

134,03

113,29

2

1,75

70

12.

Engineering

2,496

140,59

127,94

4,028

178,02

139,31

1

4,75

4,74

(a) Heavy Engineering

248

12,87

12,57

402

26,06

22,47

-

-

-

(b) Light Engineering

1,821

55,66

48,46

2,496

75,91

49,98

-

-

-

(c) Electrical Machinery & Goods

335

69,82

65,62

722

37,31

34,55

-

-

-

(d) Electronic Machinery & Goods

92

2,24

1,29

408

38,74

32,30

1

4,75

4,74

13.

Vehicles, Vehicle Parts & Transport Equipments

2,485

174,43

148,45

2,798

255,89

211,55

9

32,93

32,72

14.

Other Industries

22,911

203,39

184,04

42,962

324,31

248,69

1

-

-

15.

Electricity, Gas & Water

34

71

63

293

18,88

8,86

-

-

-

(a) Electricity Generation & Transmission

30

62

52

249

16,40

6,75

-

-

-

(b) Non-Conventional Energy

1

2

4

6

10

14

-

-

-

(c) Gas, Steam & Water Supply

3

8

8

38

2,39

1,97

-

-

-

16.

Construction

29

60

1,19

140

6,60

6,32

-

-

-

III.

TRANSPORT OPERATORS

6,120

55,62

43,41

21,014

124,94

101,47

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

2,466

140,44

129,12

26,546

158,45

136,81

-

-

-

V.

PERSONAL LOANS

79,580

522,42

434,63

1,93,135

663,90

598,90

690

4,95

4,29

1.

Loans for Purchase of Consumer Durables

4,229

8,83

7,37

6,599

17,68

14,40

-

-

-

2.

Loans for Housing

22,299

321,43

259,41

28,099

187,29

173,23

-

-

-

3.

Rest of the Personal Loans

53,052

192,16

167,86

1,58,437

458,93

411,26

690

4,95

4,29

VI.

TRADE

35,162

330,10

259,69

1,33,767

1358,18

1258,04

8

15,48

15,21

1.

Wholesale Trade

4,439

164,73

124,77

9,663

982,64

936,61

8

15,48

15,21

2.

Retail Trade

30,723

165,37

134,92

1,24,104

375,54

321,43

-

-

-

VII.

FINANCE

93

1,99

1,74

384

43,42

37,85

-

-

-

VIII. ALL OTHERS

19,961

80,40

72,06

1,20,538

408,76

362,35

1

9

7

TOTAL BANK CREDIT

3,89,085

3574,52

3035,54

8,81,253

7202,77

6142,09

794

242,38

229,25

OF WHICH :

1. Artisans & Village Industries

5,759

33,02

29,02

13,461

28,61

23,84

3

75

33

2. Other Small Scale Industries

22,668

929,45

788,95

41,520

1275,38

1018,00

6

6,19

4,46

REGIONAL RURAL BANKS

OTHER SCHEDULED COMMERCIAL BANKS

ALL SCHEDULED 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

73,564

89,30

81,94

212

4,82

4,30

5,96,139

2154,00

1825,26

1.

Direct Finance

72,927

88,78

81,34

190

2,99

2,68

5,83,813

1927,69

1642,61

2.

Indirect Finance

637

52

60

22

1,84

1,62

12,326

226,31

182,65

II.

INDUSTRY

11,285

10,40

9,06

502

63,57

58,06

1,21,091

5124,63

4279,37

1.

Mining & Quarrying

214

74

61

-

-

-

389

10,51

6,98

2.

Food Manufacturing and Processing

20

82

71

17

12,49

13,04

4,117

738,05

594,64

(a) Rice Mills, Flour and Dal Mills

14

70

64

1

10,95

11,38

2,376

483,50

392,03

(b) Sugar

-

-

-

-

-

-

37

85,14

66,35

(c) Edible Oils and Vanaspati

3

9

3

4

1,51

1,64

529

64,28

52,51

(d) Tea Processing

-

-

-

-

-

-

15

1,55

1,51

(e) Processing of Fruits & Vegetables

-

-

-

-

-

-

47

5,27

5,68

(f) Others

3

4

4

2

3

2

1,113

98,31

76,55

3.

Beverage and Tobacco

-

-

-

-

-

-

143

42,84

38,96

4.

Textiles

4

25

20

94

12,02

11,05

11,091

1702,25

1408,26

(a) Cotton Textiles

4

25

20

18

8,03

6,62

1,790

629,63

527,90

(b) Jute Textiles

-

-

-

-

-

-

38

23,75

29,61

(c) Handloom Textiles & Khadi

-

-

-

-

-

-

441

12,36

10,75

(d) Other Textiles

-

-

-

76

3,99

4,43

8,822

1036,51

840,00

5.

Paper, Paper Products and Printing

5

7

6

26

47

38

1,587

114,63

103,11

6.

Leather and Leather Products

1

1

1

5

7

5

612

54,01

38,02

7.

Rubber and Rubber Products

2

1

1

18

1,54

1,18

1,465

144,73

127,02

8.

Chemicals and Chemical Products

7

31

30

21

1,31

1,03

2,784

235,73

199,79

(a) Heavy Industrial Chemicals

-

-

-

-

-

-

139

8,59

6,79

(b) Fertilizers

3

16

15

-

-

-

224

50,79

48,76

(c) Drugs and Pharmaceuticals

-

-

-

1

1

-

658

86,70

60,73

(d) Non-Edible Oils

-

-

-

1

1

1

68

6,30

5,94

(e) Other Chemicals & Chemical Products

4

15

15

19

1,30

1,02

1,695

83,35

77,58

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

2

8

-

213

23,36

20,75

10.

Manufacture of Cement & Cement Products

-

-

-

2

15,00

12,51

119

22,72

20,45

11.

Basic Metals & Metal Products

4

3

3

62

3,84

3,59

9,101

669,78

584,57

(a) Iron and Steel

-

-

-

37

3,37

3,21

4,362

414,27

366,35

(b) Non-Ferrous Metals

-

-

-

2

2

1

138

5,15

4,06

(c) Other Metal Products

4

3

3

23

45

36

4,601

250,35

214,15

12.

Engineering

5

1

9

60

5,33

4,10

6,590

328,80

276,19

(a) Heavy Engineering

2

8

7

7

19

18

659

39,21

35,29

(b) Light Engineering

2

2

2

41

1,42

57

4,360

133,01

99,04

(c) Electrical Machinery & Goods

1

1

1

10

29

31

1,068

107,42

100,48

(d) Electronic Machinery & Goods

-

-

-

2

3,43

3,04

503

49,16

41,38

13.

Vehicles, Vehicle Parts & Transport Equipments

1

16

15

32

6,50

6,18

5,335

469,91

399,05

14.

Other Industries

11,007

7,84

6,82

156

4,13

4,24

77,037

539,68

443,80

15.

Electricity, Gas & Water

-

-

-

3

41

32

330

20,01

9,82

(a) Electricity Generation & Transmission

-

-

-

1

1

1

280

17,03

7,28

(b) Non-Conventional Energy

-

-

-

-

-

-

7

12

18

(c) Gas, Steam & Water Supply

-

-

-

2

40

31

43

2,86

2,36

16.

Construction

5

6

6

4

38

39

178

7,64

7,96

III.

TRANSPORT OPERATORS

6,608

5,54

5,13

71

3,17

1,85

33,813

189,27

151,87

IV.

PROFESSIONAL AND OTHER SERVICES

659

1,29

1,15

90

2,67

2,56

29,761

302,85

269,64

V.

PERSONAL LOANS

10,257

13,98

13,68

2,459

12,04

9,88

2,86,121

1217,29

1061,37

1.

Loans for Purchase of Consumer Durables

330

45

37

101

23

20

11,259

27,19

22,34

2.

Loans for Housing

763

2,00

1,95

102

1,13

94

51,263

511,86

435,53

3.

Rest of the Personal Loans

9,164

11,53

11,35

2,256

10,69

8,74

2,23,599

678,24

603,50

VI.

TRADE

18,578

17,87

16,57

1,225

27,11

22,98

1,88,740

1748,73

1572,49

1.

Wholesale Trade

1,742

2,54

2,50

256

12,20

11,05

16,108

1177,58

1090,14

2.

Retail Trade

16,836

15,32

14,07

969

14,91

11,93

1,72,632

571,15

482,36

VII.

FINANCE

1

-

-

8

63

1,26

486

46,05

40,85

VIII. ALL OTHERS

979

1,91

1,65

823

8,40

6,88

1,42,302

499,55

443,01

TOTAL BANK CREDIT

1,21,931

140,28

129,19

5,390

122,41

107,78

1398,453

11282,36

9643,86

OF WHICH :

1. Artisans & Village Industries

8,922

6,14

5,41

20

15

13

28,165

68,68

58,74

2. Other Small Scale Industries

2,083

2,59

2,15

216

7,81

8,07

66,493

2221,43

1821,62