(Amount in Rupees Lakh)

OCCUPATION

STATE BANK OF INDIA AND ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN BANKS

No. of  Accounts

Credit  Limit

Amount
Outstanding

No. of  Accounts

Credit  Limit

Amount
Outstanding

No. of  Accounts

Credit  Limit

Amount
Outstanding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

7,266

85,08

60,45

10,186

240,76

212,26

-

-

-

1. Direct Finance

6,960

76,56

53,06

9,867

164,18

142,14

-

-

-

2. Indirect Finance

306

8,52

7,40

319

76,58

70,12

-

-

-

II.

INDUSTRY

3,823

313,71

245,02

6,996

800,52

685,83

3

1,51

1,02

1. Mining & Quarrying

43

8,87

6,93

47

21,96

20,67

-

-

-

2. Food Manufacturing & Processing

536

59,83

48,27

520

117,51

91,16

-

-

-

  (a) Rice Mills, Flour & Dal Mills

116

35,23

30,38

164

44,34

30,48

-

-

-

  (b) Sugar

4

47

34

-

-

-

-

-

-

  (c) Edible Oils & Vanaspati

24

2,91

1,21

28

7,40

6,91

-

-

-

  (d) Tea Processing

-

-

-

1

2

1

-

-

-

  (e) Processing of Fruits & Vegetables

9

88

70

11

6,43

5,47

-

-

-

  (f) Others

383

20,35

15,64

316

59,32

48,29

-

-

-

3. Beverage & Tobacco

30

11,41

6,52

18

10,92

9,61

-

-

-

4. Textiles

1,303

22,47

16,27

1,571

49,30

40,39

-

-

-

  (a) Cotton Textiles

94

1,75

1,47

283

12,72

8,20

-

-

-

  (b) Jute & Other Natural Fibre Textiles

23

77

62

152

2,39

1,42

-

-

-

  (c) Handloom Textiles & Khadi

235

3,22

1,91

93

1,18

1,02

-

-

-

  (d) Other Textiles & Textile Products

951

16,73

12,27

1,043

33,01

29,74

-

-

-

5. Paper, Paper Products & Printing

89

33,15

25,63

79

24,37

21,81

-

-

-

6. Woods and Wood Products

126

5,74

4,81

93

13,13

11,89

-

-

-

7. Leather & Leather Products

26

4,24

3,82

49

2,49

1,97

-

-

-

8. Gems and Jewellery

10

1,18

1,12

13

4,19

4,09

-

-

-

9. Rubber & Plastic Products

76

4,45

3,39

82

18,62

14,02

-

-

-

10. Chemicals & Chemical Products

75

65,48

54,97

137

79,14

48,99

-

-

-

  (a) Heavy Industrial Chemicals

5

2,26

2,54

16

36,81

17,09

-

-

-

  (b) Fertilisers

-

-

-

2

12

12

-

-

-

  (c) Drugs & Pharmaceuticals

10

7,92

7,91

33

28,09

20,90

-

-

-

  (d) Non-Edible Oils

6

1,19

1,07

-

-

-

-

-

-

  (e) Other Chemicals & Chemical Products

54

54,12

43,45

86

14,12

10,88

-

-

-

11. Petroleum, Coal Products & Nuclear Fuels

5

13,18

12,44

3

89

36

-

-

-

12. Manufacture of Cement & Cement Products

46

9,73

8,52

73

28,02

19,33

-

-

-

13. Basic Metals & Metal Products

223

23,89

14,81

292

91,66

83,84

-

-

-

  (a) Iron & Steel

51

12,32

6,44

52

40,45

38,49

-

-

-

  (b) Non-Ferrous Metals

13

4,66

2,37

10

19,82

16,50

-

-

-

  (c) Metal Products

159

6,91

6,00

230

31,39

28,85

-

-

-

14. Engineering

289

25,36

19,67

791

127,46

131,38

3

1,51

1,02

  (a) Heavy Engineering

9

88

56

63

12,92

10,00

-

-

-

  (b) Light Engineering

189

15,11

11,33

429

16,92

22,82

3

1,51

1,02

  (c) Electrical Machinery & Goods

74

7,41

6,04

271

94,79

95,96

-

-

-

  (d) Electronic Machinery & Goods

17

1,96

1,75

28

2,83

2,60

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

8

31

24

17

12,62

12,65

-

-

-

16. Other Industries

896

17,69

13,28

2,857

120,52

99,40

-

-

-

17. Electricity, Gas & Water

4

93

85

12

41,11

40,93

-

-

-

  (a) Electricity Generation & Transmission

2

74

75

5

37,58

38,16

-

-

-

  (b) Non-Conventional Energy

-

-

-

6

3,48

2,72

-

-

-

  (c) Gas, Steam & Water Supply

2

19

10

1

5

5

-

-

-

18. Construction

38

5,80

3,47

342

36,61

33,34

-

-

-

  (a) Other than Infrastructure

6

54

46

296

31,62

29,43

-

-

-

  (b) Infrastructure Construction

32

5,25

3,01

46

4,99

3,91

-

-

-

III.

TRANSPORT OPERATORS

2,469

99,05

70,12

965

28,13

24,20

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

1,774

129,39

98,28

3,672

202,93

179,22

-

-

-

1. Professional Services

75

2,56

1,90

798

61,57

64,71

-

-

-

2. Tourism, Hotel & Restaurants

239

37,68

26,05

222

24,47

20,36

-

-

-

3. Recreation services

82

1,64

1,21

45

1,04

91

-

-

-

4. IT and Telecommunications

32

1,95

1,71

16

3,02

2,65

-

-

-

5. Others

1,346

85,56

67,40

2,591

112,83

90,59

-

-

-

V.

PERSONAL LOANS

47,983

837,34

622,36

26,482

504,72

426,98

-

-

-

1. Housing

7,006

279,92

222,48

5,122

213,11

198,80

-

-

-

2. Consumer Durables

1,379

9,73

7,05

2,264

16,89

11,88

-

-

-

3. Vehicles

10,403

208,71

143,05

4,544

64,60

56,04

-

-

-

4. Education

1,254

46,72

33,39

1,601

37,30

31,47

-

-

-

5. Personal Credit Cards

-

-

-

418

1,74

1,04

-

-

-

6. Others

27,941

292,25

216,39

12,533

171,07

127,75

-

-

-

VI.

TRADE

10,098

341,57

280,26

11,392

619,97

358,77

11

5,79

2,94

1. Wholesale Trade

276

67,85

61,15

905

60,97

49,36

6

2,14

1,39

2. Retail Trade

9,822

273,72

219,10

10,487

559,00

309,41

5

3,65

1,55

VII.

FINANCE

14

22

10

72

11,10

7,06

-

-

-

VIII.

ALL OTHERS

368

57,51

56,96

2,352

65,81

46,46

-

-

-

TOTAL BANK CREDIT

73,795

1863,86

1433,54

62,117

2473,93

1940,78

14

7,30

3,95

TABLE NO. 5.6 – STATE AND BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING
CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION – MARCH 2009

STATE : JAMMU & KASHMIR

(Amount in Rupees Lakh)

OCCUPATION

REGIONAL RURAL BANKS

PRIVATE SECTOR BANKS

ALL SCHEDULED COMMERCIAL BANKS

No. of  Accounts

Credit  Limit

Amount
Outstanding

No. of  Accounts

Credit  Limit

Amount
Outstanding

No. of  Accounts

Credit  Limit

Amount
Outstanding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

11,943

79,11

57,83

35,814

864,92

669,89

65,209

1269,88

1000,43

1. Direct Finance

11,644

76,57

55,84

35,407

822,97

637,30

63,878

1140,27

888,33

2. Indirect Finance

299

2,55

1,99

407

41,95

32,59

1,331

129,61

112,10

II.

INDUSTRY

1,564

11,39

7,97

17,837

2643,09

2113,04

30,223

3770,22

3052,87

1. Mining & Quarrying

8

1,36

93

139

26,31

20,38

237

58,50

48,91

2. Food Manufacturing & Processing

29

34

27

811

78,63

58,64

1,896

256,32

198,33

  (a) Rice Mills, Flour & Dal Mills

19

11

7

126

4,34

3,88

425

84,02

64,81

  (b) Sugar

-

-

-

-

-

-

4

47

34

  (c) Edible Oils & Vanaspati

3

11

12

72

14,56

9,50

127

24,98

17,74

  (d) Tea Processing

-

-

-

346

3,71

2,42

347

3,73

2,43

  (e) Processing of Fruits & Vegetables

-

-

-

40

10,48

6,46

60

17,79

12,62

  (f) Others

7

12

8

227

45,54

36,38

933

125,33

100,39

3. Beverage & Tobacco

-

-

-

44

83,79

74,24

92

106,13

90,37

4. Textiles

305

1,35

99

9,002

354,58

208,88

12,181

427,71

266,53

  (a) Cotton Textiles

9

1

1

151

6,26

4,21

537

20,74

13,89

  (b) Jute & Other Natural Fibre Textiles

13

3

1

125

1,59

1,04

313

4,78

3,10

  (c) Handloom Textiles & Khadi

108

45

32

6,507

41,30

26,96

6,943

46,16

30,21

  (d) Other Textiles & Textile Products

175

86

65

2,219

305,43

176,67

4,388

356,04

219,33

5. Paper, Paper Products & Printing

7

3

2

296

56,29

43,83

471

113,84

91,29

6. Woods and Wood Products

17

7

5

780

32,61

26,12

1,016

51,54

42,87

7. Leather & Leather Products

9

4

2

242

4,56

4,09

326

11,33

9,90

8. Gems and Jewellery

3

-

-

222

5,21

4,08

248

10,58

9,30

9. Rubber & Plastic Products

4

1

1

109

7,72

6,41

271

30,80

23,84

10. Chemicals & Chemical Products

17

10

7

242

61,47

47,60

471

206,19

151,63

  (a) Heavy Industrial Chemicals

-

-

-

9

12,75

6,23

30

51,82

25,87

  (b) Fertilisers

-

-

-

-

-

-

2

12

12

  (c) Drugs & Pharmaceuticals

15

9

7

149

26,52

21,62

207

62,62

50,49

  (d) Non-Edible Oils

-

-

-

-

-

-

6

1,19

1,07

  (e) Other Chemicals & Chemical Products

2

1

-

84

22,20

19,75

226

90,46

74,09

11. Petroleum, Coal Products & Nuclear Fuels

-

-

-

37

6,03

5,73

45

20,10

18,52

12. Manufacture of Cement & Cement Products

2

-

-

160

289,01

282,67

281

326,76

310,52

13. Basic Metals & Metal Products

18

30

19

853

192,78

156,96

1,386

308,63

255,80

  (a) Iron & Steel

-

-

-

59

112,20

93,39

162

164,97

138,33

  (b) Non-Ferrous Metals

-

-

-

91

54,73

43,64

114

79,21

62,51

  (c) Metal Products

18

30

19

703

25,85

19,92

1,110

64,45

54,97

14. Engineering

34

12

9

1,137

53,46

37,98

2,254

207,91

190,14

  (a) Heavy Engineering

-

-

-

5

26

15

77

14,06

10,71

  (b) Light Engineering

23

9

7

690

37,43

24,44

1,334

71,07

59,68

  (c) Electrical Machinery & Goods

7

2

2

258

13,95

12,08

610

116,18

114,09

  (d) Electronic Machinery & Goods

4

1

-

184

1,81

1,31

233

6,61

5,66

15. Vehicles, Vehicle Parts & Transport Equipments

114

1,27

69

550

49,21

35,10

689

63,41

48,67

16. Other Industries

973

5,17

3,62

2,084

211,63

169,20

6,810

355,01

285,50

17. Electricity, Gas & Water

-

-

-

195

57,61

51,76

211

99,65

93,54

  (a) Electricity Generation & Transmission

-

-

-

195

57,61

51,76

202

95,93

90,67

  (b) Non-Conventional Energy

-

-

-

-

-

-

6

3,48

2,72

  (c) Gas, Steam & Water Supply

-

-

-

-

-

-

3

24

16

18. Construction

24

1,21

1,02

934

1072,18

879,37

1,338

1115,80

917,19

  (a) Other than Infrastructure

22

1,17

1,00

767

292,83

246,87

1,091

326,16

277,75

  (b) Infrastructure Construction

2

4

2

167

779,35

632,50

247

789,64

639,44

III.

TRANSPORT OPERATORS

2,365

50,61

34,45

13,488

542,97

358,55

19,287

720,76

487,32

IV.

PROFESSIONAL AND OTHER SERVICES

713

6,78

5,10

5,296

3304,28

2520,13

11,455

3643,38

2802,73

1. Professional Services

117

1,07

82

764

79,28

66,37

1,754

144,48

133,80

2. Tourism, Hotel & Restaurants

11

27

18

1,511

153,58

116,01

1,983

215,99

162,60

3. Recreation services

3

2

2

207

21,03

14,34

337

23,73

16,48

4. IT and Telecommunications

-

-

-

38

7,50

6,65

86

12,48

11,02

5. Others

582

5,42

4,08

2,776

3042,90

2316,76

7,295

3246,70

2478,83

V.

PERSONAL LOANS

25,371

199,14

143,96

2,57,075

3467,30

2574,62

3,56,911

5008,50

3767,92

1. Housing

1,086

22,04

16,71

15,793

619,06

472,92

29,007

1134,13

910,91

2. Consumer Durables

2,565

15,23

10,66

72,999

954,88

731,61

79,207

996,72

761,21

3. Vehicles

3,776

46,13

32,87

82,084

1004,43

718,38

1,00,807

1323,88

950,34

4. Education

138

1,35

93

3,254

84,92

55,50

6,247

170,30

121,29

5. Personal Credit Cards

-

-

-

42

1,30

44

460

3,04

1,48

6. Others

17,806

114,39

82,79

82,903

802,72

595,76

1,41,183

1380,43

1022,68

VI.

TRADE

12,121

109,39

80,88

56,839

2156,75

1836,13

90,461

3233,47

2558,98

1. Wholesale Trade

458

6,16

4,87

138

491,35

489,33

1,783

628,46

606,10

2. Retail Trade

11,663

103,23

76,02

56,701

1665,41

1346,80

88,678

2605,00

1952,88

VII.

FINANCE

182

2,65

1,69

90

6,81

3,47

358

20,78

12,32

VIII.

ALL OTHERS

7,270

26,90

23,49

4,193

46,35

31,96

14,183

196,57

158,87

TOTAL BANK CREDIT

61,529

485,97

355,37

3,90,632

13032,49

10107,79

5,88,087

17863,55

13841,43