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Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Loans and Advances of Scheduled Commercial Banks According to Occupation (Part 1 of 2)

(Amount in Rupees Lakh)

OCCUPATION

LESS THAN 6%

6% AND ABOVE BUT LESS THAN 10%

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

 

1

2

3

4

5

6

I.

AGRICULTURE

559

55,10

32,60

2,84,698

32672,07

26131,53

 

1.

Direct Finance

469

35,63

20,82

2,65,924

18634,15

14566,27

 

2.

Indirect Finance

90

19,47

11,78

18,774

14037,92

11565,27

II.

INDUSTRY

181

208,87

185,13

1,13,733

100821,62

69449,29

 

1.

Mining & Quarrying

39

5,55

3,94

2,536

3581,73

2883,49

 

2.

Food Manufacturing & Processing

8

1,28

1,32

6,301

6248,42

4149,60

 

 

(a)

Rice Mills, Flour & Dal Mills

6

88

89

2,586

2221,72

1358,89

 

 

(b)

Sugar

62

384,58

248,83

 

 

(c)

Edible Oils & Vanaspati

362

746,13

459,46

 

 

(d)

Tea Processing

149

266,60

229,79

 

 

(e)

Processing of Fruits & Vegetables

260

168,95

118,43

 

 

(f)

Others

2

40

44

2,882

2460,45

1734,20

 

3.

Beverage & Tobacco

348

491,03

411,94

 

4.

Textiles

12

126,82

122,40

8,913

14659,43

10201,18

 

 

(a)

Cotton Textiles

2,475

5985,81

3835,05

 

 

(b)

Jute & Other Natural Fibre Textiles

139

154,37

105,51

 

 

(c)

Handloom Textiles & Khadi

2

2,05

1,42

620

293,97

236,81

 

 

(d)

Other Textiles & Textile Products

10

124,78

120,97

5,679

8225,28

6023,80

 

5.

Paper, Paper Products & Printing

1

46,31

34,72

1,688

1518,96

1098,79

 

6.

Leather & Leather Products

1,372

3092,88

1118,66

 

7.

Rubber & Plastic Products

3

10

8

1,525

1840,26

1200,81

 

8.

Chemicals & Chemical Products

4

1,07

1,04

4,012

8287,08

6033,64

 

 

(a)

Heavy Industrial Chemicals

507

1182,67

882,11

 

 

(b)

Fertilisers

1,181

2172,29

1890,71

 

 

(c)

Drugs & Pharmaceuticals

1

90

90

878

1896,23

1473,76

 

 

(d)

Non-Edible Oils

43

188,22

150,60

 

 

(e)

Other Chemicals & Chemical Products

3

17

14

1,403

2847,67

1636,47

 

9.

Petroleum, Coal Products & Nuclear Fuels

5

5,60

4,91

143

1689,28

1323,44

 

10.

Manufacture of Cement & Cement Products

1,293

947,38

419,85

 

11.

Basic Metals & Metal Products

3,227

9967,04

5836,06

 

 

(a)

Iron & Steel

1,093

7428,91

4085,01

 

 

(b)

Non-Ferrous Metals

428

933,97

542,40

 

 

(c)

Metal Products

1,706

1604,16

1208,65

 

12.

Engineering

3

12,76

8,80

6,323

5441,11

4099,52

 

 

(a)

Heavy Engineering

2,507

1118,55

731,69

 

 

(b)

Light Engineering

2

31

11

2,184

2470,12

1871,41

 

 

(c)

Electrical Machinery & Goods

1

12,45

8,69

959

1243,17

993,87

 

 

(d)

Electronic Machinery & Goods

673

609,27

502,55

 

 

13.

Vehicles,Vehicle Parts & Transport Equipments

1,665

5378,14

2848,88

 

14.

Other Industries

60

3,69

2,94

16,827

16458,86

11907,07

 

15.

Electricity, Gas & Water

7

53

32

361

5518,02

4542,84

 

 

(a)

Electricity Generation & Transmission

5

47

27

188

5073,47

4192,57

 

 

(b)

Non-Conventional Energy

2

5

5

50

255,52

199,65

 

 

(c)

Gas, Steam & Water Supply

123

189,03

150,63

 

16.

Construction

39

5,15

4,65

57,199

15702,00

11373,50

III.

TRANSPORT OPERATORS

14

5,31

5,26

33,995

2464,82

2141,21

IV.

PROFESSIONAL AND OTHER SERVICES

75

121,78

82,50

48,531

16504,40

12132,70

V.

PERSONAL LOANS

1,72,810

9732,26

8284,19

20,26,121

176467,37

150319,98

 

1.

Loans for Purchase of Consumer Durables

 

2.

Loans for Housing

1,69,585

9628,14

8196,38

18,96,605

171772,62

147133,63

 

3.

Rest of the Personal Loans

3,225

104,12

87,81

1,29,516

4694,75

3186,36

VI.

TRADE

 

64

3,03

2,70

63,827

85781,29

58864,61

 

1.

Wholesale Trade

13

89

85

13,253

75453,77

51463,53

 

2.

Retail Trade

51

2,14

1,86

50,574

10327,52

7401,08

VII.

FINANCE

24

4,03

3,36

7,057

16725,83

14080,85

VIII.

ALL OTHERS

373

27,36

17,60

1,07,217

10509,85

7637,78

TOTAL LOANS AND ADVANCES

1,74,100

10157,73

8613,34

26,85,179

441947,26

340757,96

OF WHICH :

1. Artisans and Village & Tiny Industries

57

4,00

3,49

7,103

658,23

507,98

2. Other Small Scale Industries

12

7,91

6,40

14,757

9047,06

6687,77

See Notes on Tables.

 

 

 

 

 

 




(Amount in Rupees Lakh)

OCCUPATION

10% AND ABOVE BUT

12% AND ABOVE BUT

LESS THAN 12%

LESS THAN 13%

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

 

 

 

7

8

9

10

11

12

I.

AGRICULTURE

6,20,686

41697,51

34293,18

4,15,795

26142,90

20995,87

 

1.

Direct Finance

5,82,962

29376,99

24755,52

3,88,916

19101,35

16035,20

 

2.

Indirect Finance

37,724

12320,52

9537,66

26,879

7041,54

4960,68

II.

INDUSTRY

2,04,561

265465,90

187044,14

1,63,352

119354,38

73340,84

 

1.

Mining & Quarrying

6,725

6462,50

4956,83

7,588

4568,60

2050,99

 

2.

Food Manufacturing & Processing

23,432

20393,34

15332,53

19,639

10338,01

7276,50

 

 

(a)

Rice Mills, Flour & Dal Mills

11,160

5177,06

3699,75

8,259

3012,66

2275,15

 

 

(b)

Sugar

472

6232,44

4413,26

379

2376,64

1422,45

 

 

(c)

Edible Oils & Vanaspati

1,800

1981,67

1622,50

1,826

1323,32

917,39

 

 

(d)

Tea Processing

671

1032,98

922,93

453

601,79

457,17

 

 

(e)

Processing of Fruits & Vegetables

908

426,18

303,20

825

305,78

249,16

 

 

(f)

Others

8,421

5543,00

4370,90

7,897

2717,82

1955,17

 

3.

Beverage & Tobacco

1,176

2624,17

2123,45

1,147

1086,39

840,09

 

4.

Textiles

26,582

33121,65

23153,50

23,321

17075,00

9828,59

 

 

(a)

Cotton Textiles

9,410

17187,68

11880,20

7,180

6820,89

4890,62

 

 

(b)

Jute & Other Natural Fibre Textiles

666

405,12

322,08

402

193,99

143,13

 

 

(c)

Handloom Textiles & Khadi

1,722

519,66

423,64

1,724

547,52

347,63

 

 

(d)

Other Textiles & Textile Products

14,784

15009,19

10527,57

14,015

9512,59

4447,21

 

5.

Paper, Paper Products & Printing

7,215

6533,08

4632,11

6,882

3436,90

2361,10

 

6.

Leather & Leather Products

2,382

3181,70

2861,17

2,060

986,61

690,75

 

7.

Rubber & Plastic Products

6,349

5510,12

3886,32

6,711

2706,26

1921,89

 

8.

Chemicals & Chemical Products

9,627

22549,15

14827,46

9,284

10078,50

6534,31

 

 

(a)

Heavy Industrial Chemicals

1,592

6969,95

3567,31

1,652

2645,76

1910,98

 

 

(b)

Fertilisers

394

2449,19

1452,12

260

975,17

532,37

 

 

(c)

Drugs & Pharmaceuticals

2,304

7598,41

5469,52

2,093

3167,00

1838,60

 

 

(d)

Non-Edible Oils

288

489,27

402,34

265

205,92

132,95

 

 

(e)

Other Chemicals & Chemical Products

5,049

5042,33

3936,17

5,014

3084,66

2119,41

 

9.

Petroleum, Coal Products & Nuclear Fuels

612

16217,45

8757,66

729

8203,28

2526,20

 

10.

Manufacture of Cement & Cement Products

3,618

4719,94

3764,69

3,114

1346,21

805,97

 

11.

Basic Metals & Metal Products

13,404

36520,03

25040,07

13,440

14938,88

9624,49

 

 

(a)

Iron & Steel

5,615

26656,45

19148,59

5,322

10567,87

6662,46

 

 

(b)

Non-Ferrous Metals

1,838

3685,26

1728,56

1,591

1550,93

996,93

 

 

(c)

Metal Products

5,951

6178,32

4162,92

6,527

2820,08

1965,09

 

12.

Engineering

18,847

21546,28

14796,47

18,428

13474,74

7973,93

 

 

(a)

Heavy Engineering

5,344

4538,48

3291,43

4,917

2016,99

1450,78

 

 

(b)

Light Engineering

8,047

6463,81

4511,81

7,984

4043,18

2708,94

 

 

(c)

Electrical Machinery & Goods

3,486

6363,21

3683,92

3,769

4891,24

2482,62

 

 

(d)

Electronic Machinery & Goods

1,970

4180,77

3309,31

1,758

2523,32

1331,59

 

13.

Vehicles,Vehicle Parts & Transport Equipments

4,157

7991,12

5699,23

3,569

3718,39

2239,06

 

14.

Other Industries

32,972

25415,46

17598,39

30,935

8826,68

5754,14

 

15.

Electricity, Gas & Water

1,835

16472,68

12600,52

1,087

3702,42

2615,34

 

 

(a)

Electricity Generation & Transmission

1,027

14513,20

11067,54

453

3261,18

2277,05

 

 

(b)

Non-Conventional Energy

238

1003,55

779,16

223

297,09

246,60

 

 

(c)

Gas, Steam & Water Supply

570

955,93

753,82

411

144,15

91,70

 

16.

Construction

45,628

36207,24

27013,74

15,418

14867,52

10297,48

III.

TRANSPORT OPERATORS

49,331

6592,35

5632,37

29,739

3548,05

2731,76

IV.

PROFESSIONAL AND OTHER SERVICES

87,617

45173,65

35532,27

53,600

22646,44

14714,87

V.

PERSONAL LOANS

9,06,298

60369,18

48928,54

4,80,139

33016,07

25781,32

 

1.

Loans for Purchase of Consumer Durables

483

39,97

39,23

3,340

125,95

101,31

 

2.

Loans for Housing

6,02,496

47274,74

40072,59

1,70,143

18606,58

14758,20

 

3.

Rest of the Personal Loans

3,03,319

13054,47

8816,72

3,06,656

14283,54

10921,81

VI.

TRADE

 

1,75,961

46716,34

35592,73

2,16,985

37532,61

24797,74

 

1.

Wholesale Trade

33,367

13723,10

10311,68

36,140

12467,42

8518,76

 

2.

Retail Trade

1,42,594

32993,25

25281,04

1,80,845

25065,19

16278,98

VII.

FINANCE

4,330

24687,67

17303,87

2,252

9509,57

6259,34

VIII.

ALL OTHERS

2,27,568

16799,05

11092,25

82,350

9652,23

6886,54

TOTAL LOANS AND ADVANCES

22,76,352

507501,66

375419,35

14,44,212

261402,24

175508,28

OF WHICH :

1. Artisans and Village & Tiny Industries

22,604

2131,83

1637,06

19,208

1927,17

1544,47

 

 

 

2. Other Small Scale Industries

65,557

22283,25

17126,66

76,111

18138,55

14255,41




TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION
MARCH 2007

(Amount in Rupees Lakh)

OCCUPATION

13% AND ABOVE BUT

14% AND ABOVE BUT

LESS THAN 14%

LESS THAN 15%

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

13

14

15

16

17

18

I.

AGRICULTURE

1,97,690

32746,79

26765,38

68,427

15174,45

12622,79

 

1.

Direct Finance

1,84,597

9344,63

8134,56

60,434

5832,62

4931,05

 

2.

Indirect Finance

13,093

23402,15

18630,82

7,993

9341,83

7691,74

II.

INDUSTRY

1,03,602

142439,28

96427,78

87,678

289853,77

203978,87

 

1.

Mining & Quarrying

3,781

4796,75

3135,53

2,769

8698,52

4866,42

 

2.

Food Manufacturing & Processing

11,507

5703,86

4186,01

6,376

11857,63

8489,49

 

 

(a)

Rice Mills, Flour & Dal Mills

4,931

1239,30

970,07

2,083

1540,91

1243,07

 

 

(b)

Sugar

154

766,19

495,75

286

3227,86

2604,21

 

 

(c)

Edible Oils & Vanaspati

1,031

731,20

535,79

693

1148,80

834,85

 

 

(d)

Tea Processing

374

739,94

559,67

375

1653,37

881,80

 

 

(e)

Processing of Fruits & Vegetables

462

127,56

104,90

301

620,77

277,79

 

 

(f)

Others

4,555

2099,66

1519,83

2,638

3665,94

2647,78

 

3.

Beverage & Tobacco

733

577,01

435,89

648

1301,02

974,24

 

4.

Textiles

13,887

8691,93

5415,24

12,288

29550,22

23007,01

 

 

(a)

Cotton Textiles

4,740

4321,34

2522,18

4,390

16038,01

12256,50

 

 

(b)

Jute & Other Natural Fibre Textiles

223

109,21

83,28

189

321,98

221,63

 

 

(c)

Handloom Textiles & Khadi

1,076

288,74

223,47

492

335,83

272,38

 

 

(d)

Other Textiles & Textile Products

7,848

3972,63

2586,32

7,217

12854,40

10256,50

 

5.

Paper, Paper Products & Printing

5,012

2007,05

1465,74

3,261

6401,63

4999,86

 

6.

Leather & Leather Products

1,271

518,13

395,75

1,143

819,78

686,05

 

7.

Rubber & Plastic Products

4,423

2024,65

1598,82

2,857

4245,19

3137,04

 

8.

Chemicals & Chemical Products

6,119

8866,20

6267,88

5,232

34402,52

16438,09

 

 

(a)

Heavy Industrial Chemicals

1,142

3167,55

2652,15

1,108

5396,62

3561,61

 

 

(b)

Fertilisers

211

1367,02

945,14

488

4171,00

3280,44

 

 

(c)

Drugs & Pharmaceuticals

1,233

1941,44

960,24

1,182

17428,70

4779,33

 

 

(d)

Non-Edible Oils

141

97,77

70,99

92

307,34

280,94

 

 

(e)

Other Chemicals & Chemical Products

3,392

2292,42

1639,36

2,362

7098,85

4535,77

 

9.

Petroleum, Coal Products & Nuclear Fuels

1,219

23372,23

9808,78

423

9253,76

6952,93

 

10.

Manufacture of Cement & Cement Products

1,741

939,11

687,91

1,370

4976,43

3592,07

 

11.

Basic Metals & Metal Products

9,038

12147,11

8629,38

6,809

40622,48

31787,42

 

 

(a)

Iron & Steel

3,651

8879,88

6343,57

3,014

27853,66

22424,26

 

 

(b)

Non-Ferrous Metals

1,169

1528,02

887,55

955

8649,58

6210,00

 

 

(c)

Metal Products

4,218

1739,21

1398,26

2,840

4119,24

3153,15

 

12.

Engineering

11,909

8913,36

6352,60

9,265

17254,31

13024,86

 

 

(a)

Heavy Engineering

2,526

2311,20

1547,61

2,653

3224,26

2529,74

 

 

(b)

Light Engineering

5,519

3342,20

2450,20

3,495

7085,81

5584,90

 

 

(c)

Electrical Machinery & Goods

2,766

2277,97

1643,04

2,044

3649,47

2565,51

 

 

(d)

Electronic Machinery & Goods

1,098

981,98

711,75

1,073

3294,76

2344,72

 

13.

Vehicles,Vehicle Parts & Transport Equipments

2,607

5643,15

3648,72

2,591

16337,05

11617,82

 

14.

Other Industries

16,183

5987,79

4609,19

15,361

34531,07

19902,98

 

15.

Electricity, Gas & Water

2,322

27329,31

21257,03

1,281

25801,33

21952,86

 

 

(a)

Electricity Generation & Transmission

1,853

24808,83

19191,13

865

22896,83

19823,29

 

 

(b)

Non-Conventional Energy

150

671,32

659,33

122

859,91

781,13

 

 

(c)

Gas, Steam & Water Supply

319

1849,16

1406,57

294

2044,59

1348,44

 

16.

Construction

11,850

24921,64

18533,32

16,004

43800,83

32549,72

III.

TRANSPORT OPERATORS

19,002

5146,15

4232,62

11,279

7675,48

6108,96

IV.

PROFESSIONAL AND OTHER SERVICES

30,914

11521,05

8814,89

37,617

49922,26

32261,62

V.

PERSONAL LOANS

1,84,831

9018,18

7078,43

1,20,783

5758,62

4382,09

 

1.

Loans for Purchase of Consumer Durables

2,311

97,53

76,57

1,544

66,21

50,02

 

2.

Loans for Housing

 

3.

Rest of the Personal Loans

1,82,520

8920,65

7001,86

1,19,239

5692,41

4332,08

VI.

TRADE

 

1,09,058

21405,97

16132,46

75,904

32111,50

21590,94

 

1.

Wholesale Trade

24,938

8157,50

6380,78

19,041

11488,78

8096,13

 

2.

Retail Trade

84,120

13248,47

9751,68

56,863

20622,72

13494,82

VII.

FINANCE

3,166

40303,39

31639,78

3,386

55806,20

48941,83

VIII.

ALL OTHERS

50,949

8919,77

6706,98

43,555

6808,97

4704,15

TOTAL LOANS AND ADVANCES

6,99,212

271500,58

197798,32

4,48,629

463111,26

334591,26

OF WHICH :

1. Artisans and Village & Tiny Industries

11,276

1774,99

1406,82

5,022

517,08

418,18

 

 

 

2. Other Small Scale Industries

42,699

12059,62

9599,78

25,825

9305,47

7408,59

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