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Table No. 5.3 - Interest Rate Range-Wise Classification of Loans and Advances of Scheduled Commercial Banks According to Occupation March 1997 (Part 2 of 2)


 
 
 
 
 
 

(Amount in Rupees Lakh)


 

15% AND ABOVE BUT

16% AND ABOVE BUT

 

LESS THAN 16%


LESS THAN 17%


 

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

   

Accounts

Limit

Out-

Accounts

Limit

Out-

    
 

standing


 
 

standing


 
 
 

16


17


18


19


20


21


I.

AGRICULTURE

2,18,781

3045,83

2300,56

52,395

1672,74

1396,01

 

1.

Direct Finance

2,13,442

2396,15

1865,60

50,124

1012,04

835,17

 

2.

Indirect Finance

5,339

649,68

434,96

2,271

660,71

560,84

II.

INDUSTRY

97,008

12095,25

9269,11

68,775

14226,11

11453,06

 

1.

Mining & Quarrying

2,174

604,52

448,97

1,419

1333,66

810,76

 

2.

Food Manufacturing and Processing

10,774

756,20

486,12

6,999

939,87

743,69

  

(a)

Rice Mills, Flour and Dal Mills

4,333

128,86

107,26

2,952

231,96

184,12

  

(b)

Sugar

173

40,67

22,80

120

97,57

69,09

  

(c)

Edible Oils and Vanaspati

2,095

140,30

101,46

1,062

157,36

121,53

  

(d)

Tea Processing

101

235,52

64,38

115

98,48

81,32

  

(e)

Processing of Fruits & Vegetables

270

14,92

13,21

258

17,83

16,73

  

(f)

Others

3,802

195,94

177,00

2,492

336,67

270,91

 

3.

Beverage and Tobacco

648

65,54

40,30

414

69,37

51,57

 

4.

Textiles

14,119

1846,10

1376,66

8,864

1809,23

1535,35

  

(a)

Cotton Textiles

3,428

767,96

567,19

2,511

972,86

832,63

  

(b)

Jute Textiles

182

75,12

54,91

124

42,60

32,61

  

(c)

Handloom Textiles & Khadi

1,188

31,66

26,23

844

34,63

28,31

  

(d)

Other Textiles

9,321

971,36

728,33

5,385

759,15

641,80

 

5.

Paper, Paper Products and Printing

4,636

406,79

353,35

3,265

325,85

254,96

 

6.

Leather and Leather Products

1,510

89,40

89,88

851

100,41

83,11

 

7.

Rubber and Rubber Products

1,209

79,22

53,75

1,115

196,97

178,54

 

8.

Chemicals and Chemical Products

6,882

1581,02

1144,53

7,074

2092,64

1501,55

  

(a)

Heavy Industrial Chemicals

555

463,85

347,41

782

421,73

251,42

  

(b)

Fertilizers

214

214,24

147,99

187

301,88

219,72

  

(c)

Drugs and Pharmaceuticals

1,271

339,79

235,65

1,284

614,16

451,12

  

(d)

Non-Edible Oils

206

35,02

42,33

149

27,36

22,78

  

(e)

Other Chemicals & Chemical Products

4,636

528,13

371,14

4,672

727,51

556,51

 

9.

Petroleum, Coal Products & Nuclear Fuels

601

678,51

612,07

548

182,53

161,24

 

10.

Manufacture of Cement & Cement Products

1,151

247,49

224,67

656

175,65

158,27

 

11.

Basic Metals & Metal Products

8,614

2187,88

1826,81

7,376

2149,61

1858,75

  

(a)

Iron and Steel

2,285

1844,26

1558,63

2,369

1586,57

1369,76

  

(b)

Non-Ferrous Metals

764

74,76

62,63

474

117,68

86,26

  

(c)

Other Metal Products

5,565

268,86

205,55

4,533

445,36

402,73

 

12.

Engineering

10,058

1323,05

942,96

8,944

2482,84

2056,38

  

(a)

Heavy Engineering

1,371

431,93

277,43

1,432

1041,71

864,38

  

(b)

Light Engineering

4,494

307,14

239,47

3,711

520,31

430,80

  

(c)

Electrical Machinery & Goods

2,526

400,63

300,74

2,396

556,68

461,07

  

(d)

Electronic Machinery & Goods

1,667

183,34

125,32

1,405

364,14

300,14

 

13.

Vehicles, Vehicle Parts & Transport Equipments

3,369

448,66

344,16

2,709

477,10

395,98

 

14.

Other Industries

26,295

822,31

648,38

15,672

1348,99

1206,69

 

15.

Electricity, Gas & Water

1,858

356,47

195,04

1,248

322,14

248,23

  

(a)

Electricity Generation & Transmission

1,715

334,40

183,37

1,164

310,33

240,70

  

(b)

Non-Conventional Energy

27

6,39

4,42

24

1,56

1,42

  

(c)

Gas, Steam & Water Supply

116

15,68

7,25

60

10,25

6,11

 

16.

Construction

3,110

602,08

481,44

1,621

219,25

207,99

III.

TRANSPORT OPERATORS

35,805

520,34

408,52

11,487

294,43

244,78

IV.

PROFESSIONAL AND OTHER SERVICES

25,813

1061,36

906,70

9,383

426,77

362,89

V.

PERSONAL LOANS

2,55,158

2306,90

1992,16

59,758

957,02

848,75

 

1.

Loans for Purchase of Consumer Durables

2,179

17,32

15,16

962

9,31

8,00

 

2.

Loans for Housing

31,822

513,60

432,91

15,463

400,81

362,53

 

3.

Rest of the Personal Loans

2,21,157

1775,98

1544,09

43,333

546,89

478,22

VI.

TRADE

77,978

4672,71

4089,34

36,706

2320,52

1891,11

 

1.

Wholesale Trade

17,515

3590,78

3175,39

9,521

1615,33

1321,69

 

2.

Retail Trade

60,463

1081,93

913,95

27,185

705,19

569,42

VII.

FINANCE

2,784

1303,71

961,66

936

756,41

590,86

VIII.


ALL OTHERS


19,010


1550,76


1228,14


8,009


1822,27


1516,69


TOTAL BANK CREDIT

7,32,337

26556,86

21156,20

2,47,449

22476,28

18304,15

OF WHICH :

1. Artisans & Village Industries

8,960

68,11

62,50

4,045

72,13

62,56

 

2. Other Small Scale Industries


50,248


2075,13


1436,92


39,058


2605,44


2245,67



 
 
 
 
 
 

(Amount in Rupees Lakh)


 

17% AND ABOVE BUT

18% AND ABOVE BUT

 

LESS THAN 18%


LESS THAN 20%


 

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

   

Accounts

Limit

Out-

Accounts

Limit

Out-

    
 

standing


 
 

standing


 
 
 

22


23


24


25


26


27


I.

AGRICULTURE

66,985

2514,21

2140,81

40,377

2631,44

2180,92

 

1.

Direct Finance

62,458

1550,18

1409,54

37,065

1470,38

1306,90

 

2.

Indirect Finance

4,527

964,03

731,27

3,312

1161,06

874,02

II.

INDUSTRY

1,02,323

24345,90

19165,15

1,18,854

48609,86

39464,90

 

1.

Mining & Quarrying

2,151

870,75

604,19

1,979

544,69

411,49

 

2.

Food Manufacturing and Processing

10,293

2283,80

1785,59

10,868

4757,40

3698,24

  

(a)

Rice Mills, Flour and Dal Mills

5,042

390,65

282,69

4,799

765,68

611,61

  

(b)

Sugar

225

690,94

575,83

515

1356,49

1124,01

  

(c)

Edible Oils and Vanaspati

1,676

377,04

283,49

1,551

967,69

660,40

  

(d)

Tea Processing

357

310,11

231,54

455

593,87

412,54

  

(e)

Processing of Fruits & Vegetables

202

18,62

18,40

315

93,41

72,00

  

(f)

Others

2,791

496,45

393,65

3,233

980,25

817,68

 

3.

Beverage and Tobacco

670

312,64

231,40

931

672,79

533,32

 

4.

Textiles

18,687

3045,08

2414,13

18,722

6350,91

5190,47

  

(a)

Cotton Textiles

4,295

1476,94

1105,86

5,867

2644,19

2144,37

  

(b)

Jute Textiles

236

81,16

56,91

193

101,32

81,54

  

(c)

Handloom Textiles & Khadi

2,749

60,26

51,51

753

116,01

105,82

  

(d)

Other Textiles

11,407

1426,72

1199,86

11,909

3489,40

2858,74

 

5.

Paper, Paper Products and Printing

4,640

761,60

596,79

6,598

1507,63

1285,77

 

6.

Leather and Leather Products

1,533

122,53

114,93

1,474

385,07

355,27

 

7.

Rubber and Rubber Products

1,606

306,44

293,71

2,228

1115,49

971,47

 

8.

Chemicals and Chemical Products

9,795

4093,21

3332,08

15,040

8257,61

6495,94

  

(a)

Heavy Industrial Chemicals

953

668,44

535,42

1,924

1607,96

1144,34

  

(b)

Fertilizers

350

583,63

488,94

525

1548,91

1050,30

  

(c)

Drugs and Pharmaceuticals

1,788

1303,44

1106,33

3,083

1974,80

1712,03

  

(d)

Non-Edible Oils

225

58,74

48,79

264

90,31

72,16

  

(e)

Other Chemicals & Chemical Products

6,479

1478,96

1152,60

9,244

3035,63

2517,10

 

9.

Petroleum, Coal Products & Nuclear Fuels

747

891,88

669,33

1,077

694,66

594,84

 

10.

Manufacture of Cement & Cement Products

1,077

663,57

534,17

1,271

872,14

693,89

 

11.

Basic Metals & Metal Products

10,104

2331,67

1977,46

13,686

6866,49

5511,28

  

(a)

Iron and Steel

3,667

1452,66

1251,74

6,017

5122,54

4102,01

  

(b)

Non-Ferrous Metals

760

264,44

210,48

963

437,19

358,95

  

(c)

Other Metal Products

5,677

614,56

515,24

6,706

1306,76

1050,32

 

12.

Engineering

11,804

4183,83

3222,65

16,410

9086,60

7485,94

  

(a)

Heavy Engineering

1,893

1124,84

865,09

2,768

2187,91

1758,67

  

(b)

Light Engineering

4,700

1119,90

803,82

6,156

2462,42

2022,92

  

(c)

Electrical Machinery & Goods

3,166

892,91

736,22

4,294

2124,00

1638,42

  

(d)

Electronic Machinery & Goods

2,045

1046,18

817,52

3,192

2312,27

2065,93

 

13.

Vehicles, Vehicle Parts & Transport Equipments

3,755

1241,99

905,52

5,200

1616,57

1274,94

 

14.

Other Industries

22,139

1957,40

1606,09

18,480

3727,36

3114,67

 

15.

Electricity, Gas & Water

1,029

902,84

543,97

936

1039,80

888,00

  

(a)

Electricity Generation & Transmission

813

881,39

524,00

696

939,58

803,78

  

(b)

Non-Conventional Energy

114

7,80

8,12

64

32,92

29,13

  

(c)

Gas, Steam & Water Supply

102

13,65

11,85

176

67,31

55,09

 

16.

Construction

2,293

376,66

333,15

3,954

1114,64

959,38

III.

TRANSPORT OPERATORS

22,057

620,24

499,29

41,012

1698,95

1394,34

IV.

PROFESSIONAL AND OTHER SERVICES

16,283

1619,46

1199,25

18,356

2424,82

1940,96

V.

PERSONAL LOANS

2,06,565

4721,16

4190,69

1,98,785

2307,21

1685,75

 

1.

Loans for Purchase of Consumer Durables

9,229

81,38

68,77

14,686

127,70

101,44

 

2.

Loans for Housing

41,044

787,94

666,62

10,175

516,15

429,66

 

3.

Rest of the Personal Loans

1,56,292

3851,84

3455,30

1,73,924

1663,36

1154,65

VI.

TRADE

52,937

5788,51

4838,32

63,594

6609,66

5504,82

 

1.

Wholesale Trade

14,279

4342,72

3653,86

26,165

3561,46

2852,65

 

2.

Retail Trade

38,658

1445,79

1184,46

37,429

3048,20

2652,17

VII.

FINANCE

2,327

2279,42

1842,31

3,838

4252,81

3426,41

VIII.


ALL OTHERS


21,655


4481,15


4013,72


15,849


3892,55


3202,67


TOTAL BANK CREDIT

4,91,132

46370,04

37889,54

5,00,665

72427,29

58800,77

OF WHICH :

1. Artisans & Village Industries

19,760

152,90

125,55

2,077

82,16

72,86

 

2. Other Small Scale Industries


46,690


4065,33


3447,96


63,900


8640,67


6972,69



 
 
 
 
 
 

(Amount in Rupees Lakh)


 

20% AND ABOVE


TOTAL


 

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

   

Accounts

Limit

Out-

Accounts

Limit

Out-

    
 

standing


 
 

standing


 
 
 

28


29


30


31


32


33


I.

AGRICULTURE

15,684

938,93

866,55

12,10,109

20583,07

16756,64

 

1.

Direct Finance

14,625

613,97

568,65

11,69,030

14781,44

12554,64

 

2.

Indirect Finance

1,059

324,95

297,90

41,079

5801,63

4201,99

II.

INDUSTRY

69,331

20831,38

18237,55

8,73,917

146419,48

118336,86

 

1.

Mining & Quarrying

964

174,59

167,59

16,962

4830,60

3376,39

 

2.

Food Manufacturing and Processing

4,805

1745,22

1441,67

90,632

13553,08

10481,29

  

(a)

Rice Mills, Flour and Dal Mills

1,757

271,04

225,07

37,971

2421,88

1902,63

  

(b)

Sugar

169

424,19

371,02

1,531

2693,66

2232,07

  

(c)

Edible Oils and Vanaspati

786

288,25

190,46

16,523

2738,61

1976,52

  

(d)

Tea Processing

214

162,52

125,34

1,499

1582,99

1063,03

  

(e)

Processing of Fruits & Vegetables

126

38,87

30,66

2,236

271,61

217,74

  

(f)

Others

1,753

560,36

499,11

30,872

3844,33

3089,29

 

3.

Beverage and Tobacco

757

533,66

451,04

5,728

1913,30

1477,14

 

4.

Textiles

11,461

3201,91

2848,04

1,31,492

22011,60

17870,01

  

(a)

Cotton Textiles

4,371

1632,24

1407,22

33,826

9742,90

7810,03

  

(b)

Jute Textiles

97

26,51

24,18

1,662

445,36

333,16

  

(c)

Handloom Textiles & Khadi

309

34,91

35,12

11,265

430,09

373,34

  

(d)

Other Textiles

6,684

1508,24

1381,52

84,739

11393,25

9353,48

 

5.

Paper, Paper Products and Printing

3,416

689,02

588,39

41,436

4164,50

3464,95

 

6.

Leather and Leather Products

1,079

219,83

203,85

14,099

1832,24

1625,63

 

7.

Rubber and Rubber Products

1,314

379,23

307,54

11,825

2358,83

2019,15

 

8.

Chemicals and Chemical Products

7,167

2939,22

2531,13

69,898

21414,13

16831,47

  

(a)

Heavy Industrial Chemicals

926

426,77

377,68

6,973

4013,82

2967,38

  

(b)

Fertilizers

212

257,66

194,96

2,008

3109,90

2278,96

  

(c)

Drugs and Pharmaceuticals

1,518

841,75

744,48

13,365

5878,59

4834,60

  

(d)

Non-Edible Oils

177

44,35

41,06

1,686

312,32

274,80

  

(e)

Other Chemicals & Chemical Products

4,334

1368,69

1172,95

45,866

8099,49

6475,73

 

9.

Petroleum, Coal Products & Nuclear Fuels

449

292,61

187,14

5,437

3428,04

2898,69

 

10.

Manufacture of Cement & Cement Products

749

393,89

338,98

9,319

2725,46

2277,14

 

11.

Basic Metals & Metal Products

6,394

2269,46

2114,33

80,513

18219,96

15213,76

  

(a)

Iron and Steel

2,856

1491,97

1395,35

25,712

13142,65

10980,81

  

(b)

Non-Ferrous Metals

460

220,07

196,31

5,521

1242,19

1023,72

  

(c)

Other Metal Products

3,078

557,42

522,67

49,280

3835,12

3209,22

 

12.

Engineering

8,043

3456,03

2986,23

94,254

22766,96

18396,23

  

(a)

Heavy Engineering

1,320

732,21

599,84

13,033

6312,28

4952,47

  

(b)

Light Engineering

2,827

817,27

669,39

39,256

5754,40

4556,08

  

(c)

Electrical Machinery & Goods

2,126

808,03

706,97

24,269

5400,98

4333,42

  

(d)

Electronic Machinery & Goods

1,770

1098,53

1010,04

17,696

5299,30

4554,26

 

13.

Vehicles, Vehicle Parts & Transport Equipments

2,609

694,30

606,06

31,280

5743,68

4601,92

 

14.

Other Industries

14,645

1644,78

1427,33

2,36,307

12953,28

10867,88

 

15.

Electricity, Gas & Water

468

731,32

703,06

11,086

4228,19

3198,66

  

(a)

Electricity Generation & Transmission

286

646,96

635,39

9,552

3970,92

2993,65

  

(b)

Non-Conventional Energy

47

49,31

35,20

483

106,01

85,64

  

(c)

Gas, Steam & Water Supply

135

35,04

32,47

1,051

151,25

119,37

 

16.

Construction

5,011

1466,31

1335,16

23,649

4275,63

3736,57

III.

TRANSPORT OPERATORS

17,820

719,44

570,40

2,86,084

5530,18

4517,78

IV.

PROFESSIONAL AND OTHER SERVICES

13,092

1507,09

1338,12

2,21,612

8977,83

7315,50

V.

PERSONAL LOANS

1,63,541

2133,53

1832,03

19,67,369

23012,82

19837,77

 

1.

Loans for Purchase of Consumer Durables

6,280

65,47

57,13

41,587

366,51

306,67

 

2.

Loans for Housing

3,312

133,01

115,35

5,92,122

8417,02

7449,01

 

3.

Rest of the Personal Loans

1,53,949

1935,04

1659,55

13,33,660

14229,30

12082,08

VI.

TRADE

46,037

3524,53

2933,25

7,25,854

32788,10

27138,31

 

1.

Wholesale Trade

19,502

1859,08

1551,51

1,47,451

20483,57

16877,58

 

2.

Retail Trade

26,535

1665,45

1381,74

5,78,403

12304,54

10260,73

VII.

FINANCE

4,697

2913,94

2371,19

21,335

13786,70

11070,31

VIII.


ALL OTHERS


9,804


1841,06


1567,62


1,33,290


18207,93


14989,02


TOTAL BANK CREDIT

3,40,006

34409,89

29716,72

54,39,570

269306,12

219962,20

OF WHICH :

1. Artisans & Village Industries

963

32,52

29,77

90,383

812,95

708,85

 

2. Other Small Scale Industries


29,946


3409,87


2959,79


4,28,759


2,64,47,03


2,16,91,12


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