NORTHERN REGION

STATE :

PUNJAB

(Amount in Rupees Lakh)

RURAL

SEMI-URBAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

3,70,087

3125,64

2534,02

1,79,681

1828,55

1522,72

1.

Direct Finance

3,64,853

2995,20

2421,77

1,74,304

1550,93

1304,71

2.

Indirect Finance

5,234

130,45

112,25

5,377

277,62

218,02

II.

INDUSTRY

26,718

640,00

515,94

24,342

1830,25

1461,89

1.

Mining & Quarrying

198

9,49

8,58

175

22,75

20,59

2.

Food Manufacturing & Processing

1,717

166,92

124,53

3,525

661,98

513,78

(a) Rice Mills, Flour & Dal Mills

744

95,95

74,65

2,066

452,09

348,67

(b) Sugar

5

20,08

11,27

14

47,95

41,80

(c) Edible Oils & Vanaspati

40

15,81

10,40

206

55,74

43,78

(d) Tea Processing

—

—

—

29

2,07

1,82

(e) Processing of Fruits & Vegetables

7

1,58

1,32

23

2,09

1,41

(f) Others

921

33,50

26,89

1,187

102,04

76,31

3.

Beverage & Tobacco

24

3,77

3,63

33

16,45

16,20

4.

Textiles

1,999

132,33

117,27

1,516

188,61

142,11

(a) CottonTextiles

139

73,88

71,50

250

120,49

85,85

(b) Jute & Other Natural Fibre Textiles

120

45

30

5

14

7

(c) Handloom Textiles & Khadi

1,150

15,10

11,46

895

13,67

11,33

(d) Other Textiles & Textile Products

590

42,89

34,00

366

54,31

44,86

5.

Paper, Paper Products & Printing

127

22,62

21,53

328

29,82

25,80

6.

Leather & Leather Products

147

1,14

86

134

1,81

1,71

7.

Rubber & Plastic Products

100

10,81

9,72

412

37,16

33,05

8.

Chemicals & Chemical Products

144

26,19

24,56

373

133,07

77,47

(a) Heavy Industrial Chemicals

12

3,01

2,92

36

3,52

3,44

(b) Fertilisers

6

3,71

4,86

29

13,21

11,08

(c) Drugs & Pharmaceuticals

26

12,06

11,57

71

16,46

14,46

(d) Non-EdibleOils

7

1,38

47

11

3,87

2,99

(e) Other Chemicals&ChemicalProducts

93

6,04

4,74

226

96,01

45,50

9.

Petroleum, Coal Products & Nuclear Fuels

8

49

46

27

5,85

4,70

10.

Manufacture of Cement & CementProducts

57

2,78

2,40

157

7,29

6,08

11.

BasicMetals & MetalProducts

407

40,85

35,18

1,720

233,95

202,16

(a) Iron & Steel

54

18,97

18,21

698

179,67

150,64

(b) Non-FerrousMetals

6

11,12

7,58

25

2,90

2,43

(c) MetalProducts

347

10,77

9,39

997

51,38

49,10

12.

Engineering

743

19,72

18,15

1,869

134,15

123,80

(a) Heavy Engineering

59

3,38

2,89

327

44,98

34,09

(b) Light Engineering

410

10,27

9,70

1,128

35,92

31,43

(c) Electrical Machinery & Goods

182

4,49

4,03

311

24,72

20,92

(d) Electronic Machinery & Goods

92

1,58

1,52

103

28,54

37,36

13.

Vehicles, Vehicle Parts & Transport Equipments

344

30,12

16,59

538

55,29

38,78

14.

OtherIndustries

20,123

89,23

75,30

12,323

149,33

125,16

15.

Electricity, Gas & Water

6

23,90

11,96

56

4,04

3,53

(a) Electricity Generation & Transmission

3

23,81

11,87

39

2,89

2,66

(b) Non-Conventional Energy

1

3

2

—

—

—

(c) Gas, Steam & Water Supply

2

7

7

17

1,15

87

16.

Construction

574

59,63

45,22

1,156

148,68

126,97

III.

TRANSPORT OPERATORS

5,163

33,36

25,07

3,024

33,66

26,71

IV.

PROFESSIONAL AND OTHER SERVICES

6,137

77,65

66,39

7,085

262,91

164,28

V.

PERSONALLOANS

1,13,319

832,41

715,81

1,54,587

1425,13

1205,71

1.

Loans for Purchase of Consumer Durables

8,261

28,38

20,49

7,661

35,89

26,06

2.

Loans for Housing

20,639

296,04

266,61

29,723

570,27

503,79

3.

Rest of the Personal Loans

84,419

507,99

428,71

1,17,203

818,97

675,86

VI.

TRADE

48,241

3548,13

3498,21

47,468

803,49

676,74

1.

Wholesale Trade

1,341

3309,84

3298,24

3,193

241,80

205,08

2.

Retail Trade

46,900

238,28

199,97

44,275

561,69

471,65

VII.

FINANCE

903

10,38

9,45

674

24,95

23,41

VIII.

ALLOTHERS

21,068

299,58

183,57

27,571

538,53

420,91

TOTAL BANK CREDIT

5,91,636

8567,13

7548,45

4,44,432

6747,46

5502,36

OF

WHICH: 1. Artisans and Village & Tiny Industries

11,900

52,62

42,34

3,711

164,39

116,46

2. Other Small Scale Industries

10,917

220,91

184,57

14,734

687,43

577,07

NORTHERN REGION

STATE :

PUNJAB

(Amount in Rupees Lakh)

URBAN

METROPOLITAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

31,317

750,84

628,75

2,722

61,59

50,75

1.

DirectFinance

29,660

361,28

297,08

2,635

47,07

39,77

2.

IndirectFinance

1,657

389,55

331,67

87

14,53

10,98

II.

INDUSTRY

25,412

2867,76

2426,23

20,724

4850,44

3870,51

1.

Mining & Quarrying

48

19,30

13,94

25

4,72

4,05

2.

Food Manufacturing & Processing

1,029

407,53

336,47

364

108,90

99,11

(a) Rice Mills, Flour & Dal Mills

446

302,04

261,68

46

7,28

7,62

(b) Sugar

9

12,66

9,10

4

29,49

25,83

(c) Edible Oils & Vanaspati

67

37,58

31,31

76

20,09

18,65

(d) TeaProcessing

6

89

47

—

—

—

(e) Processing of Fruits & Vegetables

9

2,03

2,30

10

10,94

11,10

(f) Others

492

52,34

31,60

228

41,11

35,92

3.

Beverage & Tobacco

52

27,67

17,92

11

17,61

15,43

4.

Textiles

2,625

708,48

617,86

7,601

2885,76

2255,09

(a) Cotton Textiles

429

465,20

407,61

1,099

1491,93

1151,89

(b) Jute & Other Natural Fibre Textiles

47

2,46

2,09

22

6,51

5,29

(c) Handloom Textiles & Khadi

145

10,12

8,78

213

29,27

25,06

(d) Other Textiles & Textile Products

2,004

230,70

199,38

6,267

1358,04

1072,85

5.

Paper, Paper Products & Printing

687

173,11

137,58

393

122,64

106,29

6.

Leather & Leather Products

368

68,51

56,70

83

17,08

11,99

7.

Rubber & Plastic Products

1,171

86,18

76,13

463

252,02

199,90

8.

Chemicals & ChemicalProducts

688

200,91

191,10

274

38,84

31,51

(a) Heavy Industrial Chemicals

31

87,46

87,02

36

6,66

6,00

(b) Fertilisers

15

26,79

25,64

2

25

21

(c) Drugs & Pharmaceuticals

227

27,09

24,19

56

5,06

4,47

(d) Non-EdibleOils

7

55

63

5

59

56

(e) Other Chemicals & ChemicalProducts

408

59,01

53,62

175

26,27

20,25

9.

Petroleum, CoalProducts & NuclearFuels

43

4,80

4,18

22

12,22

12,21

10.

Manufacture of Cement & CementProducts

63

10,91

9,21

22

1,42

1,41

11.

BasicMetals & MetalProducts

3,118

311,44

272,60

1,346

398,44

331,90

(a) Iron & Steel

467

54,50

45,25

543

254,11

227,86

(b) Non-FerrousMetals

227

18,36

16,43

25

15,29

5,98

(c) Metal Products

2,424

238,58

210,93

778

129,04

98,06

12.

Engineering

2,684

183,35

150,71

1,500

152,14

122,31

(a) Heavy Engineering

312

58,98

48,23

217

54,38

38,97

(b) Light Engineering

1,634

70,35

64,53

1,024

75,17

63,27

(c) Electrical Machinery & Goods

624

47,92

34,37

208

17,22

14,88

(d) Electronic Machinery & Goods

114

6,10

3,59

51

5,36

5,19

13.

Vehicles, Vehicle Parts & Transport Equipments

443

44,25

36,12

4,141

622,32

495,33

14.

Other Industries

11,435

244,80

205,42

4,096

191,82

162,17

15.

Electricity, Gas & Water

83

299,74

244,08

13

1,93

1,32

(a) Electricity Generation & Transmission

41

180,17

145,09

8

86

69

(b) Non-Conventiona Energy

2

7

5

—

—

—

(c) Gas, Steam & Water Supply

40

119,50

98,94

5

1,07

64

16.

Construction

875

76,79

56,20

370

22,57

20,51

III.

TRANSPORT OPERATORS

4,434

41,37

34,12

306

9,07

7,29

IV.

PROFESSIONAL AND OTHER SERVICES

6,377

224,94

171,51

1,409

95,76

80,32

V.

PERSONALLOANS

1,62,538

1796,25

1468,42

55,232

836,45

694,67

1.

Loans for Purchase of Consumer Durables

7,559

37,28

26,95

1,500

10,69

8,38

2.

Loans for Housing

30,526

712,65

631,88

11,366

348,31

311,43

3.

Rest of the PersonalLoans

1,24,453

1046,32

809,59

42,366

477,45

374,87

VI.

TRADE

32,899

896,95

755,02

7,496

473,90

405,76

1.

Wholesale Trade

4,441

367,91

302,07

2,121

245,55

206,58

2.

Retail Trade

28,458

529,04

452,95

5,375

228,35

199,18

VII.

FINANCE

1,057

38,98

34,47

175

33,42

28,17

VIII.

ALLOTHERS

30,016

687,42

531,80

11,758

529,59

451,27

TOTAL BANK CREDIT

2,94,050

7304,49

6050,33

99,822

6890,21

5588,74

OF

WHICH: 1. Artisans and Village & Tiny Industries

1,700

42,85

35,21

638

26,97

24,90

2. Other Small Scale Industries

17,396

917,14

784,22

15,394

1517,94

1195,40