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

March 2001

NORTHERN REGION

(Amount in Rupees Lakh)

RURAL

SEMI-URBAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

4,32,541

1999,89

1660,38

2,44,226

1504,94

1226,53

1. Direct Finance

4,28,013

1916,95

1597,55

2,35,477

1216,49

998,63

2. Indirect Finance

4,528

82,94

62,84

8,749

288,45

227,89

II.

INDUSTRY

35,767

878,25

694,95

44,708

1599,91

1263,61

1. Mining & Quarrying

73

10,04

9,41

159

12,96

11,24

2. Food Manufacturing & Processing

757

97,80

72,59

2,514

589,39

429,75

(a) Rice Mills, Flour & Dal Mills

527

74,14

51,67

1,907

446,17

316,67

(b) Sugar

2

2,25

1,74

16

35,99

27,70

(c) Edible Oils & Vanaspati

63

2,69

1,20

150

46,12

35,49

(d) Tea Processing

—

—

—

14

80

65

(e) Processing of Fruits & Vegetables

7

1,44

1,35

16

13,04

12,11

(f) Others

158

17,28

16,63

411

47,27

37,14

3. Beverage & Tobacco

34

10,09

8,29

40

6,41

5,84

4. Textiles

1,017

210,86

172,08

842

115,23

97,47

(a) Cotton Textiles

70

33,34

33,31

226

80,00

66,88

(b) Jute Textiles

—

—

—

1

4

2

(c) Handloom Textiles & Khadi

326

1,36

1,07

253

4,24

3,74

(d) Other Textiles

621

176,16

137,69

362

30,95

26,83

5. Paper, Paper Products & Printing

123

13,46

12,31

250

25,75

24,38

6. Leather & Leather Products

94

10,13

7,85

127

4,03

3,12

7. Rubber & Rubber Products

48

9,74

7,04

136

6,75

4,71

8. Chemicals & Chemical Products

271

53,51

40,90

619

82,39

74,40

(a) Heavy Industrial Chemicals

8

3,18

2,90

26

20,61

19,85

(b) Fertilisers

5

13,49

13,49

31

10,42

9,89

(c) Drugs & Pharmaceuticals

58

4,47

4,23

84

11,86

11,32

(d) Non-Edible Oils

7

39

26

22

6,37

5,38

(e) Other Chemicals & Chemical Products

193

31,98

20,03

456

33,13

27,95

9. Petroleum, Coal Products & Nuclear Fuels

8

39

27

41

5,56

4,41

10. Manufacture of Cement & Cement Products

48

4,61

4,25

72

11,71

11,83

11. Basic Metals & Metal Products

499

46,37

36,42

2,274

320,41

257,92

(a) Iron & Steel

74

28,63

19,51

1,314

261,38

216,92

(b) Non-Ferrous Metals

1

1,10

1,15

27

2,97

2,20

(c) Other Metal Products

424

16,65

15,76

933

56,06

38,80

12. Engineering

792

152,61

138,33

1,656

114,96

92,74

(a) Heavy Engineering

40

70,74

67,39

201

29,76

23,92

(b) Light Engineering

536

50,77

37,62

1,058

31,18

26,45

(c) Electrical Machinery & Goods

183

13,11

11,74

332

44,50

36,21

(d) Electronic Machinery & Goods

33

17,99

21,59

65

9,53

6,16

13. Vehicles, Vehicle Parts & Transport Equipments

374

74,51

34,47

391

68,86

52,39

14. Other Industries

31,395

139,80

119,77

34,481

221,31

183,37

15. Electricity, Gas & Water

3

12

8

19

2,36

1,75

(a) Electricity Generation & Transmission

2

9

5

6

73

58

(b) Non-Conventional Energy

1

3

3

4

36

28

(c) Gas, Steam & Water Supply

—

—

—

9

1,26

89

16. Construction

231

44,21

30,90

1,087

11,84

8,30

III.

TRANSPORT OPERATORS

4,848

33,65

23,99

4,015

73,39

53,57

IV.

PROFESSIONAL AND OTHER SERVICES

6,541

56,43

45,72

9,199

142,50

104,24

V.

PERSONAL LOANS

1,15,939

525,39

453,00

1,52,455

822,27

697,93

1. Loans for Purchase of Consumer Durables

11,958

40,15

31,59

18,667

70,48

54,83

2. Loans for Housing

19,425

152,20

133,04

33,455

297,94

260,42

3. Rest of the Personal Loans

84,556

333,05

288,37

1,00,333

453,86

382,67

VI.

TRADE

30,893

2497,33

2812,94

34,224

612,12

505,91

1. Wholesale Trade

1,315

2379,13

2715,65

5,099

202,74

173,32

2. Retail Trade

29,578

118,20

97,29

29,125

409,39

332,59

VII.

FINANCE

108

3,77

3,16

195

12,01

9,18

VIII.

ALL OTHERS

19,208

167,96

147,01

23,591

308,54

254,11

TOTAL BANK CREDIT

6,45,845

6162,67

5841,15

5,12,613

5075,68

4115,07

OF WHICH : 1. Artisans & Village Industries

14,391

27,00

21,96

7,890

37,50

31,03

2. Other Small Scale Industries

11,791

296,43

225,97

22,949

682,49

507,64

URBAN

METROPOLITAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

47,272

715,95

610,98

3,375

55,66

48,28

1. Direct Finance

44,802

251,84

209,14

3,296

42,09

35,83

2. Indirect Finance

2,470

464,10

401,84

79

13,57

12,45

II.

INDUSTRY

58,131

2257,20

1732,81

50,437

4011,30

3315,76

1. Mining & Quarrying

41

13,68

12,05

37

4,46

4,48

2. Food Manufacturing & Processing

854

392,92

286,51

274

117,93

104,08

(a) Rice Mills, Flour & Dal Mills

446

254,13

197,07

74

44,64

38,80

(b) Sugar

7

2,08

1,74

9

36,20

31,97

(c) Edible Oils & Vanaspati

53

46,25

38,87

13

2,74

2,69

(d) Tea Processing

11

68

62

—

—

—

(e) Processing of Fruits & Vegetables

17

8,04

4,68

5

1,70

1,67

(f) Others

320

81,74

43,53

173

32,65

28,96

3. Beverage & Tobacco

16

25,82

13,09

11

12,66

14,68

4. Textiles

2,638

440,42

352,57

7,295

2152,23

1718,05

(a) Cotton Textiles

530

123,31

100,82

1,220

966,67

788,61

(b) Jute Textiles

20

2,67

2,02

7

1,71

1,57

(c) Handloom Textiles & Khadi

107

6,72

6,76

157

17,09

13,61

(d) Other Textiles

1,981

307,70

242,96

5,911

1166,77

914,26

5. Paper, Paper Products & Printing

685

117,52

70,97

316

67,28

61,75

6. Leather & Leather Products

350

62,71

42,80

46

1,26

92

7. Rubber & Rubber Products

702

85,18

72,20

254

162,06

151,28

8. Chemicals & Chemical Products

1,163

90,30

76,50

524

85,09

75,33

(a) Heavy Industrial Chemicals

37

5,46

5,42

18

2,20

1,89

(b) Fertilisers

24

15,62

14,84

12

4,43

4,19

(c) Drugs & Pharmaceuticals

212

25,94

23,49

53

6,53

5,31

(d) Non-Edible Oils

13

1,75

1,89

3

4,07

3,93

(e) Other Chemicals & Chemical Products

877

41,53

30,86

438

67,86

60,00

9. Petroleum, Coal Products & Nuclear Fuels

50

5,92

3,37

34

10,08

8,58

10. Manufacture of Cement & Cement Products

124

2,88

2,75

33

3,00

3,10

11. Basic Metals & Metal Products

3,800

329,70

265,41

1,440

340,05

292,37

(a) Iron & Steel

533

75,34

61,91

545

232,48

208,57

(b) Non-Ferrous Metals

147

8,05

6,82

10

89

1,21

(c) Other Metal Products

3,120

246,31

196,68

885

106,68

82,59

12. Engineering

2,043

130,39

106,54

1,575

119,86

79,05

(a) Heavy Engineering

178

41,58

33,74

165

66,31

34,50

(b) Light Engineering

1,337

32,69

25,56

1,200

38,05

29,98

(c) Electrical Machinery & Goods

483

50,68

43,68

183

10,86

9,64

(d) Electronic Machinery & Goods

45

5,44

3,56

27

4,64

4,93

13. Vehicles, Vehicle Parts & Transport Equipments

1,767

54,62

39,91

3,275

565,62

481,17

14. Other Industries

43,755

353,46

295,62

35,243

358,48

311,52

15. Electricity, Gas & Water

43

142,20

84,47

10

1,26

1,18

(a) Electricity Generation & Transmission

25

140,44

82,85

5

87

88

(b) Non-Conventional Energy

1

18

28

4

31

28

(c) Gas, Steam & Water Supply

17

1,58

1,34

1

8

2

16. Construction

100

9,50

8,06

70

9,98

8,22

III.

TRANSPORT OPERATORS

2,677

57,52

37,27

528

5,77

4,61

IV.

PROFESSIONAL AND OTHER SERVICES

7,802

134,38

103,31

2,516

105,60

84,76

V.

PERSONAL LOANS

1,55,145

954,57

803,31

50,370

430,31

355,34

1. Loans for Purchase of Consumer Durables

18,275

72,44

55,15

3,794

33,16

26,47

2. Loans for Housing

34,455

364,43

317,40

11,397

181,98

157,28

3. Rest of the Personal Loans

1,02,415

517,70

430,76

35,179

215,17

171,59

VI.

TRADE

32,361

817,52

638,84

8,636

437,34

340,05

1. Wholesale Trade

6,357

409,67

320,90

3,058

247,05

181,24

2. Retail Trade

26,004

407,85

317,94

5,578

190,29

158,81

VII.

FINANCE

160

35,99

26,83

41

108,67

101,24

VIII.

ALL OTHERS

32,535

422,55

354,71

12,245

245,27

204,44

TOTAL BANK CREDIT

3,36,083

5395,68

4308,06

1,28,148

5399,92

4454,48

OF WHICH : 1. Artisans & Village Industries

4,081

16,09

15,19

510

7,65

6,44

2. Other Small Scale Industries

35,259

911,25

721,95

27,975

1495,31

1255,04