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

70,342

420,14

342,83

2,25,500

653,91

541,10

-

-

-

1.

Direct Finance

68,688

342,68

284,27

2,22,378

603,98

507,72

-

-

-

2.

Indirect Finance

1,654

77,46

58,56

3,122

49,93

33,38

-

-

-

II.

INDUSTRY

13,853

708,37

566,67

36,789

1865,78

1579,96

237

491,51

372,55

1.

Mining & Quarrying

12

47

45

153

6,30

5,03

3

11,00

6,67

2.

Food Manufacturing and Processing

871

80,84

64,00

2,031

340,43

286,03

2

1,01

3

(a)

Rice Mills, Flour and Dal Mills

681

72,83

59,02

1,142

267,63

224,06

-

-

-

(b)

Sugar

-

-

-

6

6,88

6,40

1

1,00

2

(c)

Edible Oils and Vanaspati

65

4,05

1,80

428

28,50

24,16

-

-

-

(d)

Tea Processing

-

-

-

2

6

5

-

-

-

(e)

Processing of Fruits & Vegetables

2

5

2

25

13,57

12,16

-

-

-

(f)

Others

123

3,91

3,16

428

23,81

19,21

1

1

1

3.

Beverage and Tobacco

3

5

4

38

13,89

9,47

-

-

-

4.

Textiles

1,950

203,83

138,81

3,627

343,64

285,51

11

14,82

9,23

(a)

Cotton Textiles

257

21,94

13,28

1,101

92,75

73,82

8

12,54

7,21

(b)

Jute Textiles

26

82

71

14

25

12

-

-

-

(c)

Handloom Textiles & Khadi

947

137,27

86,74

1,006

70,59

61,60

-

-

-

(d)

Other Textiles

720

43,79

38,07

1,506

180,05

149,98

3

2,28

2,02

5.

Paper, Paper Products and Printing

81

1,87

1,61

511

69,72

67,47

13

13,32

10,42

6.

Leather and Leather Products

54

2,01

58

154

43,98

41,11

-

-

-

7.

Rubber and Rubber Products

48

5,00

2,92

405

57,73

44,11

19

86,31

48,49

8.

Chemicals and Chemical Products

288

44,56

40,18

1,115

180,54

146,83

15

34,94

33,93

(a)

Heavy Industrial Chemicals

10

1,14

35

122

25,89

29,82

-

-

-

(b)

Fertilizers

11

6,17

5,07

11

1,39

1,11

-

-

-

(c)

Drugs and Pharmaceuticals

34

18,97

18,72

246

25,01

21,10

7

31,75

32,00

(d)

Non-Edible Oils

37

3,11

3,16

37

6,82

6,18

-

-

-

(e)

Other Chemicals & Chemical Products

196

15,17

12,89

699

121,43

88,63

8

3,20

1,94

9.

Petroleum, Coal Products & Nuclear Fuels

22

3,98

2,28

58

2,09

128

-

-

-

10.

Manufacture of Cement & Cement Products

20

98

97

92

17,94

17,46

1

25

25

11.

Basic Metals & Metal Products

1,081

147,72

134,54

2,242

222,36

206,94

22

18,97

17,18

(a)

Iron and Steel

386

112,58

102,92

852

151,45

144,63

6

14,52

14,22

(b)

Non-Ferrous Metals

23

1,24

1,64

202

11,43

10,86

-

-

-

(c)

Other Metal Products

672

33,90

29,98

1,188

59,47

51,44

16

4,46

2,96

12.

Engineering

759

31,33

24,72

2,789

339,72

268,79

106

176,07

129,18

(a)

Heavy Engineering

63

6,47

4,56

476

117,06

100,43

45

52,78

27,79

(b)

Light Engineering

600

18,09

14,04

1,589

140,99

99,65

42

100,49

85,62

(c)

Electrical Machinery & Goods

69

2,09

1,80

536

37,11

27,22

10

12,55

6,28

(d)

Electronic Machinery & Goods

27

4,67

4,33

188

44,56

41,49

9

10,25

9,48

Vehicles, Vehicle Parts & Transport Equipments

113

5,53

4,78

641

74,21

66,69

34

45,67

30,82

14.

Other Industries

8,508

178,32

149,02

22,727

130,71

112,51

9

88,73

85,99

15.

Electricity, Gas & Water

7

1,34

1,34

130

4,72

3,43

-

-

-

(a)

Electricity Generation & Transmission

7

1,34

1,34

110

4,34

3,00

-

-

-

(b)

Non-Conventional Energy

-

-

-

8

18

23

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

12

20

20

-

-

-

16.

Construction

36

56

42

76

17,80

17,33

2

42

36

III.

TRANSPORT OPERATORS

3,371

30,68

24,77

13,657

57,34

46,48

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

691

9,19

6,02

22,921

81,84

64,58

-

-

-

V.

PERSONAL LOANS

25,883

118,22

100,08

1,07,403

374,93

334,16

1

-

-

1.

Loans for Purchase of Consumer Durables

939

1,92

1,57

3,421

6,54

5,32

-

-

-

2.

Loans for Housing

3,472

50,22

43,87

14,362

120,22

108,34

-

-

-

3.

Rest of the Personal Loans

21,472

66,08

54,63

89,620

248,16

220,50

1

-

-

VI.

TRADE

18,287

117,67

98,02

90,927

349,14

295,51

3

5,95

5,95

1.

Wholesale Trade

1,478

33,00

29,49

4,253

161,28

144,22

3

5,95

5,95

2.

Retail Trade

16,809

84,67

68,53

86,674

187,85

151,29

-

-

-

VII.

FINANCE

92

1,09

76

241

10,96

9,90

-

-

-

VIII.

ALL OTHERS

5,091

25,22

21,21

68,694

211,15

164,67

1

1,65

1,65

TOTAL BANK CREDIT

1,37,610

1430,58

1160,35

5,66,132

3605,06

3036,37

242

499,11

380,15

OF WHICH :

1. Artisans & Village Industries

1,684

20,30

15,68

6,869

13,98

12,07

-

-

-

2. Other Small Scale Industries

7,655

312,39

233,58

24,252

741,15

617,96

12

8,19

6,58

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

1,30,444

140,12

112,02

189

60

40

4,26,475

1214,77

996,36

1.

Direct Finance

1,29,153

138,25

111,13

189

60

40

4,20,408

1085,51

903,53

2.

Indirect Finance

1291

1,87

89

-

-

-

6067

129,26

92,84

II.

INDUSTRY

21457

15,59

12,77

328

49,78

44,57

72664

3131,03

2576,52

1.

Mining & Quarrying

6

13

11

-

-

-

174

17,90

12,26

2.

Food Manufacturing and Processing

78

28

28

19

1,15

1,01

3001

423,71

351,36

(a)

Rice Mills, Flour and Dal Mills

5

5

5

6

32

33

1834

340,83

283,46

(b)

Sugar

1

1

1

-

-

-

8

7,88

6,43

(c)

Edible Oils and Vanaspati

10

6

5

1

64

49

504

33,25

26,50

(d)

Tea Processing

-

-

-

-

-

-

2

6

5

(e)

Processing of Fruits & Vegetables

48

14

15

-

-

-

75

13,76

12,33

(f)

Others

14

3

3

12

19

19

578

27,95

22,60

3.

Beverage and Tobacco

-

-

-

1

1

-

42

13,94

9,51

4.

Textiles

9

6

6

70

2,13

1,71

5667

564,47

435,31

(a)

Cotton Textiles

1

3

4

35

1,49

1,23

1402

128,75

95,57

(b)

Jute Textiles

-

-

-

1

-

-

41

1,07

84

(c)

Handloom Textiles & Khadi

-

-

-

24

40

29

1977

208,27

148,62

(d)

Other Textiles

8

3

2

10

23

19

2247

226,38

190,28

5.

Paper, Paper Products and Printing

7

11

10

16

2,41

1,86

628

87,44

81,45

6.

Leather and Leather Products

4

2

1

-

-

-

212

46,01

41,70

7.

Rubber and Rubber Products

-

-

-

2

1,66

1,61

474

150,70

97,13

8.

Chemicals and Chemical Products

9

15

12

32

2,78

2,61

1459

262,98

223,67

(a)

Heavy Industrial Chemicals

-

-

-

1

2

2

133

27,04

30,19

(b)

Fertilizers

1

1

-

2

1

3

25

7,59

6,21

(c)

Drugs and Pharmaceuticals

5

11

8

4

1,06

1,10

296

76,90

72,99

(d)

Non-Edible Oils

-

-

-

-

-

-

74

9,94

9,34

(e)

Other Chemicals & Chemical Products

3

4

4

25

1,68

1,46

931

141,51

104,95

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

80

6,07

3,56

10.

Manufacture of Cement & Cement Products

-

-

-

2

12

9

115

19,28

18,78

11.

Basic Metals & Metal Products

5

2

1

30

25,17

24,12

3380

414,23

382,79

(a)

Iron and Steel

1

1

-

14

24,58

23,55

1259

303,13

285,33

(b)

Non-Ferrous Metals

-

-

-

-

-

-

225

12,67

12,50

(c)

Other Metal Products

4

1

1

16

59

57

1896

98,43

84,96

12.

Engineering

8

4

4

108

13,36

10,71

3770

560,52

433,44

(a)

Heavy Engineering

1

-

-

10

34

32

595

176,65

133,10

(b)

Light Engineering

3

1

1

96

8,02

5,25

2330

267,60

204,57

(c)

Electrical Machinery & Goods

3

2

2

2

5,01

5,15

620

56,78

40,46

(d)

Electronic Machinery & Goods

1

1

1

-

-

-

225

59,49

55,31

Vehicles, Vehicle Parts & Transport Equipments

21

41

31

6

36

29

815

126,17

102,89

14.

Other Industries

21309

14,33

11,69

40

56

49

52593

412,64

359,70

15.

Electricity, Gas & Water

1

5

3

-

-

-

138

6,11

4,80

(a)

Electricity Generation & Transmission

-

-

-

-

-

-

117

5,68

4,35

(b)

Non-Conventional Energy

-

-

-

-

-

-

8

18

23

(c)

Gas, Steam & Water Supply

1

5

3

-

-

-

13

25

22

16.

Construction

-

-

-

2

7

7

116

18,86

18,18

III.

TRANSPORT OPERATORS

16625

23,09

18,88

23

35

32

33676

111,45

90,45

IV.

PROFESSIONAL AND OTHER SERVICES

1658

2,13

1,17

65

33

30

25335

93,49

72,07

V.

PERSONAL LOANS

13738

25,65

21,52

845

4,20

3,52

1,47,870

523,01

459,28

1.

Loans for Purchase of Consumer Durables

662

1,10

90

73

11

7

5095

9,68

7,86

2.

Loans for Housing

655

4,01

3,98

57

60

54

18546

175,06

156,74

3.

Rest of the Personal Loans

12421

20,53

16,64

715

3,49

2,91

1,24,229

338,27

294,68

VI.

TRADE

51858

47,33

40,35

705

11,87

8,93

1,61,780

531,96

448,76

1.

Wholesale Trade

217

45

53

120

4,44

3,39

6071

205,12

183,58

2.

Retail Trade

51641

46,89

39,82

585

7,42

5,54

1,55,709

326,84

265,18

VII.

FINANCE

1

-

-

14

2,71

2,75

348

14,77

13,41

VIII.

ALL OTHERS

10074

10,94

6,28

131

2,27

1,32

83991

251,23

195,12

TOTAL BANK CREDIT

2,45,855

264,85

213,00

2300

72,10

62,10

9,52,139

5871,70

4851,97

OF WHICH :

1. Artisans & Village Industries

20031

12,86

10,41

5

1

1

28589

47,16

38,17

2. Other Small Scale Industries

1283

1,33

1,18

195

10,16

8,44

33397

1073,22

867,75