SOUTHERN REGION

STATE: TAMIL NADU

(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

31,59,009

15654,32

14363,49

27,88,871

16298,45

14892,75

1. Direct Finance

27,16,213

13256,30

12228,63

25,46,559

14605,77

13421,95

2. Indirect Finance

4,42,796

2398,02

2134,86

2,42,312

1692,68

1470,80

II.

INDUSTRY

63,562

40191,38

5033,81

85,030

12815,96

9562,54

1. Mining & Quarrying

298

90,43

73,98

1,205

408,62

273,46

2. Food Manufacturing & Processing

4,315

670,86

510,43

12,668

1395,32

1107,10

(a) Rice Mills, Flour & Dal Mills

1,030

183,25

123,17

2,247

537,74

439,29

(b) Sugar

14

190,35

151,88

23

67,74

42,16

(c) Edible Oils & Vanaspati

269

33,03

24,38

1,014

122,61

98,44

(d) Tea Processing

409

17,40

18,37

2,537

51,35

38,47

(e) Processing of Fruits & Vegetables

65

19,36

13,98

206

76,32

55,70

(f) Others

2,528

227,46

178,65

6,641

539,55

433,04

3. Beverage & Tobacco

122

38,13

31,15

199

49,92

33,74

4. Textiles

11,651

1950,34

1385,19

19,446

5555,16

3951,39

(a) Cotton Textiles

3,226

1380,61

924,32

10,497

3698,46

2615,41

(b) Jute & Other Natural Fibre Textiles

156

4,75

4,27

327

38,28

25,89

(c) Handloom Textiles & Khadi

1,586

31,77

26,69

1,809

191,97

150,68

(d) Other Textiles & Textile Products

6,683

533,20

429,91

6,813

1626,44

1159,40

5. Paper, Paper Products & Printing

609

147,35

115,82

5,085

842,20

634,98

6. Woods and Wood Products

669

19,32

15,19

1,085

178,32

152,88

7. Leather & Leather Products

274

41,26

34,46

1,269

80,44

66,92

8. Gems and Jewellery

13,097

40,10

34,38

5,371

31,35

25,77

9. Rubber & Plastic Products

423

57,69

35,87

899

248,88

176,55

10. Chemicals & Chemical Products

1,137

356,80

266,49

3,412

891,77

660,03

(a) Heavy Industrial Chemicals

28

233,55

193,88

98

31,52

24,78

(b) Fertilisers

50

15,28

9,50

63

7,11

6,29

(c) Drugs & Pharmaceuticals

65

4,04

3,41

211

32,37

22,09

(d) Non-Edible Oils

30

2,69

2,10

60

20,01

13,46

(e) Other Chemicals & Chemical Products

964

101,24

57,60

2,980

800,77

593,41

11. Petroleum, Coal Products & Nuclear Fuels

51

601,14

363,07

52

11,66

9,41

12. Manufacture of Cement & Cement Products

438

379,53

221,44

434

27,83

23,22

13. Basic Metals & Metal Products

983

414,76

317,93

4,934

764,95

595,01

(a) Iron & Steel

125

175,25

123,43

557

403,57

300,25

(b) Non-Ferrous Metals

55

151,65

139,05

291

104,93

88,36

(c) Metal Products

803

87,86

55,46

4,086

256,44

206,40

14. Engineering

2,428

32820,25

241,29

4,995

492,94

388,04

(a) Heavy Engineering

267

89,02

59,71

346

96,83

85,01

(b) Light Engineering

1,223

32641,16

112,07

2,804

224,81

165,13

(c) Electrical Machinery & Goods

749

85,69

66,33

1,001

107,93

83,52

(d) Electronic Machinery & Goods

189

4,39

3,17

844

63,37

54,38

15. Vehicles, Vehicle Parts & Transport Equipments

3,527

328,29

186,17

1,175

382,54

306,68

16. Other Industries

19,647

237,95

190,98

16,998

446,48

388,03

17. Electricity, Gas & Water

115

963,89

369,73

205

156,90

117,47

(a) Electricity Generation & Transmission

45

756,22

192,60

43

48,30

36,83

(b) Non-Conventional Energy

23

112,86

87,63

52

62,67

38,86

(c) Gas, Steam & Water Supply

47

94,81

89,51

110

45,94

41,78

18. Construction

3,778

1033,30

640,23

5,598

850,70

651,86

(a) Other than Infrastructure

1,831

271,72

209,77

3,210

453,50

333,49

(b) Infrastructure Construction

1,947

761,58

430,46

2,388

397,20

318,37

III.

TRANSPORT OPERATORS

12,093

487,02

282,89

18,931

1257,98

709,77

IV.

PROFESSIONAL AND OTHER SERVICES

1,00,217

1553,69

1252,35

1,17,701

3654,28

2528,67

1. Professional Services

14,900

223,32

169,85

21,068

804,07

455,69

2. Tourism, Hotel & Restaurants

2,043

36,42

30,52

3,179

149,82

112,67

3. Recreation services

1,074

14,11

10,01

1,424

32,96

24,40

4. IT and Telecommunications

55

4,78

4,15

152

11,20

9,36

5. Others

82,145

1275,06

1037,81

91,878

2656,23

1926,54

V.

PERSONAL LOANS

5,40,942

6604,65

5131,75

10,50,367

15606,27

12129,77

1. Housing

65,138

2061,79

1673,38

1,31,469

6424,60

5104,72

2. Consumer Durables

12,193

68,89

48,44

24,824

149,92

115,52

3. Vehicles

19,375

440,41

289,41

61,527

962,16

672,78

4. Education

1,43,862

1835,30

1339,52

1,88,423

2820,40

2081,81

5. Personal Credit Cards

6,577

61,76

25,63

5,631

34,46

18,87

6. Others

2,93,797

2136,51

1755,36

6,38,493

5214,72

4136,08

VI.

TRADE

1,34,984

2350,62

2011,20

1,85,566

4154,24

3316,81

1. Wholesale Trade

10,416

863,78

821,25

8,948

1165,43

865,47

2. Retail Trade

1,24,568

1486,84

1189,95

1,76,618

2988,81

2451,34

VII.

FINANCE

35,229

580,75

474,25

35,196

505,88

328,23

VIII.

ALL OTHERS

1,83,477

1067,96

898,82

2,57,319

1387,05

1112,92

TOTAL BANK CREDIT

42,29,513

68490,38

29448,56

45,38,981

55680,10

44581,46

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

(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

7,97,929

8517,89

7401,83

48,438

9479,27

7304,13

1. Direct Finance

7,31,322

7420,28

6458,19

41,739

3022,91

2565,06

2. Indirect Finance

66,607

1097,61

943,64

6,699

6456,36

4739,07

II.

INDUSTRY

1,19,245

49516,62

34556,02

86,868

118402,22

78866,15

1. Mining & Quarrying

964

834,63

441,66

601

6323,17

4994,60

2. Food Manufacturing & Processing

9,200

3105,42

2328,62

3,595

5830,48

3706,90

(a) Rice Mills, Flour & Dal Mills

1,138

416,53

304,28

430

141,90

122,20

(b) Sugar

100

1174,98

895,45

139

2219,91

1894,21

(c) Edible Oils & Vanaspati

1,293

148,88

127,66

839

422,14

276,44

(d) Tea Processing

66

8,43

7,27

32

78,30

39,29

(e) Processing of Fruits & Vegetables

91

22,91

17,50

74

325,87

241,42

(f) Others

6,512

1333,68

976,46

2,081

2642,36

1133,35

3. Beverage & Tobacco

210

125,19

94,15

111

822,94

720,29

4. Textiles

56,178

29004,78

19873,00

10,187

6805,44

3381,03

(a) Cotton Textiles

18,928

20152,79

13513,88

3,349

2446,33

1604,28

(b) Jute & Other Natural Fibre Textiles

143

82,55

70,08

180

22,89

17,26

(c) Handloom Textiles & Khadi

1,688

469,28

363,26

364

131,03

102,71

(d) Other Textiles & Textile Products

35,419

8300,15

5925,78

6,294

4205,19

1656,78

5. Paper, Paper Products & Printing

3,398

1247,61

974,64

3,300

4541,25

1766,45

6. Woods and Wood Products

1,332

129,53

107,76

548

199,86

154,87

7. Leather & Leather Products

1,265

459,72

381,00

11,667

2754,76

1646,18

8. Gems and Jewellery

992

934,51

784,87

220

1463,25

1207,75

9. Rubber & Plastic Products

1,773

650,65

441,17

2,081

1802,79

1027,20

10. Chemicals & Chemical Products

2,437

806,99

623,42

7,882

8576,36

6431,09

(a) Heavy Industrial Chemicals

204

153,03

111,74

391

1433,30

973,15

(b) Fertilisers

113

39,01

35,48

134

774,39

328,05

(c) Drugs & Pharmaceuticals

375

181,79

163,93

3,260

4271,51

3463,67

(d) Non-Edible Oils

27

15,40

8,12

11

9,93

9,02

(e) Other Chemicals & Chemical Products

1,718

417,76

304,16

4,086

2087,24

1657,21

11. Petroleum, Coal Products & Nuclear Fuels

97

29,22

22,75

153

3379,88

2795,03

12. Manufacture of Cement & Cement Products

398

591,15

379,68

365

4662,30

3681,80

13. Basic Metals & Metal Products

6,629

3991,80

2913,85

7,572

8545,50

6128,36

(a) Iron & Steel

1,318

1892,87

1384,27

1,131

4143,30

3242,53

(b) Non-Ferrous Metals

340

660,89

409,41

270

685,25

509,26

(c) Metal Products

4,971

1438,05

1120,18

6,171

3716,95

2376,57

14. Engineering

8,204

2983,27

1799,01

12,174

12999,45

7215,67

(a) Heavy Engineering

1,169

1082,45

699,54

761

1375,25

956,74

(b) Light Engineering

4,608

1420,98

706,34

5,920

4510,97

2306,08

(c) Electrical Machinery & Goods

1,990

418,65

340,02

3,507

6426,49

3381,18

(d) Electronic Machinery & Goods

437

61,20

53,11

1,986

686,74

571,67

15. Vehicles, Vehicle Parts & Transport Equipments

2,404

811,28

580,32

7,864

8579,19

5802,33

16. Other Industries

16,699

1103,17

787,89

10,822

4304,52

2704,29

17. Electricity, Gas & Water

391

657,45

436,87

474

16298,27

12256,92

(a) Electricity Generation & Transmission

176

269,39

144,06

282

13617,00

9928,24

(b) Non-Conventional Energy

97

299,29

224,08

63

841,23

548,87

(c) Gas, Steam & Water Supply

118

88,77

68,73

129

1840,04

1779,81

18. Construction

6,674

2050,24

1585,35

7,252

20512,80

13245,37

(a) Other than Infrastructure

4,215

1271,98

981,80

4,435

4330,27

3046,17

(b) Infrastructure Construction

2,459

778,26

603,56

2,817

16182,54

10199,20

III.

TRANSPORT OPERATORS

17,457

1302,24

862,95

21,283

4889,47

3644,40

IV.

PROFESSIONAL AND OTHER SERVICES

84,936

6082,49

4767,97

58,374

25399,28

19104,95

1. Professional Services

12,438

856,35

744,06

13,077

2567,38

2271,63

2. Tourism, Hotel & Restaurants

3,632

411,68

280,91

2,244

2553,28

1849,70

3. Recreation services

740

51,01

43,32

1,587

665,23

494,41

4. IT and Telecommunications

283

83,78

64,87

449

5529,97

3510,97

5. Others

67,843

4679,66

3634,81

41,017

14083,41

10978,23

V.

PERSONAL LOANS

9,96,958

17984,58

13957,26

73,75,164

74178,42

32404,60

1. Housing

1,34,243

8359,75

6853,19

1,40,705

17857,60

14121,53

2. Consumer Durables

18,628

140,57

105,11

10,317

94,64

66,55

3. Vehicles

1,33,399

1400,75

905,35

1,09,055

2034,58

1214,55

4. Education

1,10,506

2032,31

1538,05

63,726

1757,42

1345,56

5. Personal Credit Cards

13,452

185,01

68,50

64,85,682

42326,99

8806,27

6. Others

5,86,730

5866,18

4487,06

5,65,679

10107,20

6850,14

VI.

TRADE

1,29,805

8051,10

6336,74

84,919

18501,38

13158,01

1. Wholesale Trade

14,956

2938,66

2212,51

9,406

6909,16

4440,60

2. Retail Trade

1,14,849

5112,44

4124,23

75,513

11592,22

8717,42

VII.

FINANCE

15,707

776,14

589,14

10,750

21034,13

14616,32

VIII.

ALL OTHERS

2,58,361

3210,85

2289,16

2,88,567

10098,83

8119,27

TOTAL BANK CREDIT

24,20,398

95441,91

70761,06

79,74,363

281983,00

177217,83