Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of
Scheduled Commercial Banks According to Occupation - March 1996

NORTHERN REGION

(Amount in Rupees Lakh)

STATE BANK OF INDIA

NATIONALISED BANKS

FOREIGN BANKS

AND ITS ASSOCIATES

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

2,262

35,24

27,64

2,593

135,87

111,03

-

-

-

1.

Direct Finance

2,070

4,84

3,60

1,987

43,22

40,94

-

-

-

2.

Indirect Finance

192

30,40

24,05

606

92,65

70,10

-

-

-

II.

INDUSTRY

4,280

376,03

310,62

2,955

524,73

451,63

25

48,34

46,66

1.

Mining & Quarrying

42

33

26

8

23

20

-

-

-

2.

Food Manufacturing and Processing

54

13,69

11,18

239

50,81

43,96

-

-

-

(a)

Rice Mills, Flour and Dal Mills

22

1,86

91

24

3,62

5,58

-

-

-

(b)

Sugar

4

9,80

8,97

4

19,53

12,74

-

-

-

(c)

Edible Oils and Vanaspati

9

1,71

1,03

10

15,95

11,67

-

-

-

(d)

Tea Processing

-

-

-

1

1,95

4,46

-

-

-

(e)

Processing of Fruits & Vegetables

-

-

-

4

6

6

-

-

-

(f)

Others

19

32

26

196

9,70

9,45

-

-

-

3.

Beverage and Tobacco

1

35

23

18

7,73

6,38

-

-

-

4.

Textiles

42

14,83

13,55

113

39,27

48,02

2

2,00

1,87

(a)

Cotton Textiles

1

1,00

87

42

28,33

37,76

-

-

-

(b)

Jute Textiles

2

8

3

2

3

3

-

-

-

(c)

Handloom Textiles & Khadi

-

-

-

4

5

3

-

-

-

(d)

Other Textiles

39

13,75

12,64

65

10,86

10,20

2

2,00

1,87

5.

Paper, Paper Products and Printing

29

6,75

5,93

171

16,89

16,60

-

-

-

6.

Leather and Leather Products

6

2,32

45

18

5,23

2,94

1

2,00

2,02

7.

Rubber and Rubber Products

23

1,34

1,13

38

1,76

1,57

-

-

-

8.

Chemicals and Chemical Products

555

60,64

48,10

279

45,86

36,60

-

-

-

(a)

Heavy Industrial Chemicals

13

92

89

37

5,80

4,04

-

-

-

(b)

Fertilizers

10

35,33

29,57

21

12,99

11,47

-

-

-

(c)

Drugs and Pharmaceuticals

466

14,23

10,75

71

13,70

9,16

-

-

-

(d)

Non-Edible Oils

4

78

92

4

3,37

2,58

-

-

-

(e)

Other Chemicals & Chemical Products

62

9,38

5,98

146

10,01

9,36

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

12

1,02

27

-

-

-

10.

Manufacture of Cement & Cement Products

14

41

34

16

1,31

99

-

-

-

11.

Basic Metals & Metal Products

498

23,00

19,12

311

72,28

51,48

2

1,95

16

(a)

Iron and Steel

275

15,78

12,63

116

41,01

32,49

1

1,50

-

(b)

Non-Ferrous Metals

2

21

31

9

5,27

5,13

-

-

-

(c)

Other Metal Products

221

7,01

6,17

186

26,00

13,87

1

45

16

12.

Engineering

212

48,80

40,85

484

169,39

153,51

20

42,39

42,61

(a)

Heavy Engineering

7

2,07

1,96

115

10,42

8,65

2

62

29

(b)

Light Engineering

102

6,47

4,37

222

52,37

46,46

9

21,34

23,21

(c)

Electrical Machinery & Goods

74

6,35

5,91

87

69,68

69,88

-

-

-

(d)

Electronic Machinery & Goods

29

33,90

28,60

60

36,92

28,51

9

20,43

19,10

13.

Vehicles, Vehicle Parts & Transport Equipments

25

5,80

4,09

85

8,01

7,36

-

-

-

14.

Other Industries

2,770

197,01

164,66

1,074

79,45

64,28

-

-

-

15.

Electricity, Gas & Water

-

-

-

18

21,35

13,21

-

-

-

(a)

Electricity Generation & Transmission

-

-

-

12

21,21

13,09

-

-

-

(b)

Non-Conventional Energy

-

-

-

4

12

10

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

2

1

1

-

-

-

16.

Construction

9

76

72

71

4,13

4,27

-

-

-

III.

TRANSPORT OPERATORS

523

5,70

3,20

991

9,29

9,21

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

362

4,60

2,44

1,770

45,89

41,71

-

-

-

V.

PERSONAL LOANS

6,644

58,56

50,19

20,837

86,13

72,97

-

-

-

1.

Loans for Purchase of Consumer Durables

178

76

67

1,019

3,75

3,30

-

-

-

2.

Loans for Housing

1,222

39,96

35,37

2,278

19,95

16,77

-

-

-

3.

Rest of the Personal Loans

5,244

17,83

14,15

17,540

62,43

52,90

-

-

-

VI.

TRADE

1,854

1317,42

818,78

6,235

119,86

97,70

-

-

-

1.

Wholesale Trade

68

1305,07

810,05

508

59,29

45,95

-

-

-

2.

Retail Trade

1,786

12,35

8,73

5,727

60,57

51,75

-

-

-

VII.

FINANCE

2

41

29

50

50,93

33,74

2

11,00

11,01

VIII.

ALL OTHERS

2,610

47,54

39,30

9,455

135,80

126,16

-

-

-

TOTAL BANK CREDIT

18,537

1845,50

1252,47

44,886

1108,49

944,15

27

59,34

57,67

OF WHICH :

1. Artisans & Village Industries

28

5

5

159

1,29

1,36

-

-

-

2. Other Small Scale Industries

824

28,79

29,17

1,886

88,78

79,28

-

-

-

REGIONAL RURAL BANKS

OTHER SCHEDULED

ALL SCHEDULED

COMMERCIAL BANKS

COMMERCIAL BANKS

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

Accounts

Limit

 Outstanding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

-

-

-

167

65

68

5,022

171,76

139,36

1.

Direct Finance

-

-

-

2

20

20

4,059

48,26

44,74

2.

Indirect Finance

-

-

-

165

45

48

963

123,51

94,63

II.

INDUSTRY

-

-

-

102

15,16

12,58

7,362

964,26

821,48

1.

Mining & Quarrying

-

-

-

-

-

-

50

56

47

2.

Food Manufacturing and Processing

-

-

-

3

2,20

2,20

296

66,70

57,33

(a)

Rice Mills, Flour and Dal Mills

-

-

-

-

-

-

46

5,48

6,49

(b)

Sugar

-

-

-

-

-

-

8

29,33

21,71

(c)

Edible Oils and Vanaspati

-

-

-

-

-

-

19

17,66

12,70

(d)

Tea Processing

-

-

-

-

-

-

1

1,95

4,46

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

4

6

6

(f)

Others

-

-

-

3

2,20

2,20

218

12,22

11,91

3.

Beverage and Tobacco

-

-

-

-

-

-

19

8,08

6,61

4.

Textiles

-

-

-

1

2

2

158

56,12

63,46

(a)

Cotton Textiles

-

-

-

-

-

-

43

29,33

38,64

(b)

Jute Textiles

-

-

-

-

-

-

4

11

7

(c)

Handloom Textiles & Khadi

-

-

-

-

-

-

4

5

3

(d)

Other Textiles

-

-

-

1

2

2

107

26,63

24,73

5.

Paper, Paper Products and Printing

-

-

-

3

33

34

203

23,96

22,86

6.

Leather and Leather Products

-

-

-

-

-

-

25

9,55

5,41

7.

Rubber and Rubber Products

-

-

-

1

5

-

62

3,15

2,71

8.

Chemicals and Chemical Products

-

-

-

11

15

7

845

106,65

84,77

(a)

Heavy Industrial Chemicals

-

-

-

-

-

-

50

6,72

4,93

(b)

Fertilizers

-

-

-

5

1

-

36

48,34

41,03

(c)

Drugs and Pharmaceuticals

-

-

-

1

-

-

538

27,94

19,91

(d)

Non-Edible Oils

-

-

-

-

-

-

8

4,14

3,50

(e)

Other Chemicals & Chemical Products

-

-

-

5

13

6

213

19,52

15,40

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

1

2

-

13

1,04

27

10.

Manufacture of Cement & Cement Products

-

-

-

3

2,13

1,56

33

3,84

2,89

11.

Basic Metals & Metal Products

-

-

-

24

7,18

5,89

835

104,40

76,65

(a)

Iron and Steel

-

-

-

24

7,18

5,89

416

65,47

51,01

(b)

Non-Ferrous Metals

-

-

-

-

-

-

11

5,48

5,44

(c)

Other Metal Products

-

-

-

-

-

-

408

33,45

20,20

12.

Engineering

-

-

-

19

67

26

735

261,26

237,23

(a)

Heavy Engineering

-

-

-

3

41

16

127

13,53

11,07

(b)

Light Engineering

-

-

-

5

16

9

338

80,34

74,14

(c)

Electrical Machinery & Goods

-

-

-

11

10

-

172

76,14

75,80

(d)

Electronic Machinery & Goods

-

-

-

-

-

-

98

91,25

76,22

13.

Vehicles, Vehicle Parts & Transport Equipments

-

-

-

2

7

6

112

13,88

11,52

14.

Other Industries

-

-

-

7

4

3

3,851

276,50

228,97

15.

Electricity, Gas & Water

-

-

-

-

-

-

18

21,35

13,21

(a)

Electricity Generation & Transmission

-

-

-

-

-

-

12

21,21

13,09

(b)

Non-Conventional Energy

-

-

-

-

-

-

4

12

10

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

2

1

1

16.

Construction

-

-

-

27

2,32

2,15

107

7,21

7,14

III.

TRANSPORT OPERATORS

-

-

-

318

1,36

1,25

1,832

16,35

13,66

IV.

PROFESSIONAL AND OTHER SERVICES

-

-

-

11

10,72

10,62

2,143

61,21

54,78

V.

PERSONAL LOANS

-

-

-

453

3,06

2,39

27,934

147,75

125,55

1.

Loans for Purchase of Consumer Durables

-

-

-

14

11

4

1,211

4,62

4,01

2.

Loans for Housing

-

-

-

18

1,11

98

3,518

61,02

53,12

3.

Rest of the Personal Loans

-

-

-

421

1,85

1,37

23,205

82,11

68,42

VI.

TRADE

-

-

-

640

5,80

4,76

8,729

1443,08

921,24

1.

Wholesale Trade

-

-

-

18

72

59

594

1365,08

856,58

2.

Retail Trade

-

-

-

622

5,08

4,17

8,135

78,00

64,65

VII.

FINANCE

-

-

-

3

12

11

57

62,46

45,15

VIII.

ALL OTHERS

-

-

-

21

5,37

5,38

12,086

188,71

170,85

TOTAL BANK CREDIT

-

-

-

1,715

42,25

37,78

65,165

3055,59

2292,07

OF WHICH :

1. Artisans & Village Industries

-

-

-

-

-

-

187

1,34

1,40