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

4,33,225

4198,56

3520,48

2,22,465

2913,03

2322,40

1.

Direct Finance

4,27,525

4073,31

3417,77

2,16,466

2472,35

2029,39

2.

Indirect Finance

5,700

125,25

102,71

5,999

440,68

293,01

II.

INDUSTRY

22,940

853,40

692,58

21,850

2655,67

1875,12

1.

Mining & Quarrying

655

37,07

31,34

236

26,70

21,27

2.

Food Manufacturing & Processing

1,767

216,39

161,12

3,866

1099,33

745,00

(a) Rice Mills, Flour & Dal Mills

856

148,65

102,17

2,628

858,78

573,99

(b) Sugar

5

27,75

27,06

9

37,00

27,60

(c) Edible Oils & Vanaspati

37

8,99

6,11

180

76,88

56,89

(d) Tea Processing

4

58

47

14

1,87

1,69

(e) Processing of Fruits & Vegetables

6

2,45

1,90

16

1,85

1,22

(f) Others

859

27,96

23,41

1,019

122,95

83,62

3.

Beverage & Tobacco

23

9,64

8,31

36

13,23

6,72

4.

Textiles

1,513

139,33

107,00

1,614

206,78

158,94

(a) Cotton Textiles

110

49,97

46,10

274

119,76

91,97

(b) Jute & Other Natural Fibre Textiles

97

35

21

50

6,81

4,44

(c) Handloom Textiles & Khadi

835

11,37

7,68

765

16,13

13,24

(d) Other Textiles & Textile Products

471

77,64

53,00

525

64,07

49,29

5.

Paper, Paper Products & Printing

105

24,07

22,08

286

48,91

42,89

6.

Leather & Leather Products

129

2,54

1,83

119

3,16

2,65

7.

Rubber & Plastic Products

96

9,71

6,06

374

38,02

26,28

8.

Chemicals & Chemical Products

331

12,06

10,82

363

140,70

103,39

(a) Heavy Industrial Chemicals

4

46

30

38

9,71

8,60

(b) Fertilisers

5

52

46

20

11,90

10,00

(c) Drugs & Pharmaceuticals

18

3,30

3,02

67

51,54

45,83

(d) Non-Edible Oils

3

51

51

20

6,47

5,85

(e) Other Chemicals & Chemical Products

301

7,26

6,52

218

61,09

33,12

9.

Petroleum, Coal Products & Nuclear Fuels

123

5,03

4,43

35

2,89

2,40

10.

Manufacture of Cement & Cement Products

45

1,85

1,52

126

6,78

4,70

11.

Basic Metals & Metal Products

609

57,81

47,23

1,795

420,73

288,10

(a) Iron & Steel

274

32,31

26,49

887

354,00

237,68

(b) Non-Ferrous Metals

27

4,79

3,93

29

2,78

1,64

(c) Metal Products

308

20,72

16,81

879

63,95

48,78

12.

Engineering

644

55,34

41,58

2,013

164,19

128,52

(a) Heavy Engineering

69

4,88

2,87

334

52,71

39,92

(b) Light Engineering

383

22,96

16,91

1,260

47,95

37,95

(c) Electrical Machinery & Goods

139

16,61

12,86

329

60,67

48,37

(d) Electronic Machinery & Goods

53

10,89

8,93

90

2,85

2,28

13.

Vehicles, Vehicle Parts & Transport Equipments

326

118,05

111,63

389

118,16

96,51

14.

Other Industries

15,250

100,09

78,56

9,035

172,32

131,19

15.

Electricity, Gas & Water

15

21,07

20,53

28

3,90

3,18

(a) Electricity Generation & Transmission

10

20,67

20,25

9

1,84

1,55

(b) Non-Conventional Energy

1

4

3

1

5

5

(c) Gas, Steam & Water Supply

4

36

25

18

2,00

1,57

16.

Construction

1,309

43,36

38,56

1,535

189,86

113,38

III.

TRANSPORT OPERATORS

4,718

47,32

40,56

2,709

28,48

21,31

IV.

PROFESSIONAL AND OTHER SERVICES

6,798

125,09

103,75

8,489

529,10

355,23

V.

PERSONAL LOANS

1,44,020

1576,64

1302,53

2,05,841

2817,45

2311,47

1.

Loans for Purchase of Consumer Durables

6,369

25,16

17,66

11,092

55,20

42,25

2.

Loans for Housing

27,034

558,36

487,85

43,523

1187,04

1038,96

3.

Rest of the Personal Loans

1,10,617

993,11

797,02

1,51,226

1575,21

1230,27

VI.

TRADE

48,753

827,75

329,58

52,061

1209,86

907,72

1.

Wholesale Trade

1,165

446,01

36,85

3,150

265,15

204,64

2.

Retail Trade

47,588

381,74

292,73

48,911

944,71

703,08

VII.

FINANCE

569

15,75

13,92

797

126,47

90,13

VIII.

ALL OTHERS

20,060

213,01

162,14

26,010

373,65

293,51

TOTAL BANK CREDIT

6,81,083

7857,51

6165,55

5,40,222

10653,71

8176,89

OF WHICH:
1. Artisans and Village & Tiny Industries

10,602

59,48

44,39

4,361

247,94

176,35

2. Other Small Scale Industries

6,289

271,25

191,59

11,068

1059,28

721,09

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

36,605

1245,82

1068,79

4,587

454,52

396,02

1.

Direct Finance

35,381

565,87

473,95

3,973

259,30

239,02

2.

Indirect Finance

1,224

679,95

594,84

614

195,22

157,00

II.

INDUSTRY

21,619

4234,88

2962,64

21,294

10862,80

5166,65

1.

Mining & Quarrying

78

30,69

15,79

158

42,51

37,08

2.

Food Manufacturing & Processing

1,493

705,55

471,29

306

167,60

104,80

(a) Rice Mills, Flour & Dal Mills

770

508,05

310,33

85

16,17

11,17

(b) Sugar

3

22,05

21,93

3

33,02

10,28

(c) Edible Oils & Vanaspati

76

74,10

62,43

28

26,43

15,96

(d) Tea Processing

3

15

7

–

–

–

(e) Processing of Fruits & Vegetables

14

24,61

17,27

8

3,80

1,86

(f) Others

627

76,59

59,28

182

88,17

65,54

3.

Beverage & Tobacco

40

27,35

21,87

15

9,07

7,94

4.

Textiles

2,571

1083,38

569,60

8,138

6583,83

2711,20

(a) Cotton Textiles

419

721,15

274,70

1,041

4182,20

1358,90

(b) Jute & Other Natural Fibre Textiles

34

6,57

5,05

27

22,16

20,27

(c) Handloom Textiles & Khadi

148

30,42

25,64

651

65,91

53,96

(d) Other Textiles & Textile Products

1,970

325,25

264,21

6,419

2313,56

1278,07

5.

Paper, Paper Products & Printing

712

399,77

300,01

475

145,87

114,77

6.

Leather & Leather Products

331

103,11

84,03

87

21,66

11,69

7.

Rubber & Plastic Products

1,150

125,27

95,56

412

215,28

149,23

8.

Chemicals & Chemical Products

750

114,78

84,64

295

108,70

84,50

(a) Heavy Industrial Chemicals

88

55,06

37,63

55

52,68

48,69

(b) Fertilisers

20

1,84

1,31

1

15

15

(c) Drugs & Pharmaceuticals

163

28,78

23,22

52

6,66

3,73

(d) Non-Edible Oils

10

3,22

2,68

3

24

26

(e) Other Chemicals & Chemical Products

469

25,89

19,80

184

48,97

31,67

9.

Petroleum, Coal Products & Nuclear Fuels

60

6,26

5,48

25

13,07

12,24

10.

Manufacture of Cement & Cement Products

48

5,08

2,74

17

4,34

1,59

11.

Basic Metals & Metal Products

2,989

398,43

288,82

1,612

1235,15

624,35

(a) Iron & Steel

768

101,59

71,26

709

997,71

487,67

(b) Non-Ferrous Metals

377

51,65

38,95

20

6,60

4,47

(c) Metal Products

1,844

245,20

178,61

883

230,85

132,21

12.

Engineering

3,280

265,20

217,72

1,739

735,16

447,89

(a) Heavy Engineering

251

75,20

59,25

347

125,84

99,34

(b) Light Engineering

1,740

101,64

80,85

1,152

400,40

279,51

(c) Electrical Machinery & Goods

488

57,95

51,34

189

80,32

11,57

(d) Electronic Machinery & Goods

801

30,41

26,28

51

128,60

57,47

13.

Vehicles, Vehicle Parts & Transport Equipments

335

62,49

48,82

3,593

1017,43

566,58

14.

Other Industries

6,277

283,43

214,43

3,592

464,74

227,90

15.

Electricity, Gas & Water

31

442,44

408,02

11

5,87

3,45

(a) Electricity Generation & Transmission

13

429,21

404,95

7

5,01

3,06

(b) Non-Conventional Energy

2

32

30

–

–

–

(c) Gas, Steam & Water Supply

16

12,91

2,77

4

86

39

16.

Construction

1,474

181,65

133,81

819

92,51

61,46

III.

TRANSPORT OPERATORS

2,258

30,28

25,28

768

30,96

27,43

IV.

PROFESSIONAL AND OTHER SERVICES

6,764

406,31

298,54

3,088

319,82

225,91

V.

PERSONAL LOANS

2,23,626

3824,22

3114,61

93,518

2356,99

1982,29

1.

Loans for Purchase of Consumer Durables

13,318

77,20

55,90

7,213

64,19

50,13

2.

Loans for Housing

49,316

1708,08

1500,59

21,531

1181,20

1072,56

3.

Rest of the Personal Loans

1,60,992

2038,94

1558,12

64,774

1111,60

859,60

VI.

TRADE

34,569

1675,42

1340,68

7,495

955,96

713,79

1.

Wholesale Trade

3,835

461,28

361,64

1,683

390,87

275,13

2.

Retail Trade

30,734

1214,14

979,04

5,812

565,09

438,66

VII.

FINANCE

434

84,08

60,68

143

137,07

116,11

VIII.

ALL OTHERS

33,411

698,33

588,62

9,225

390,63

232,97

TOTAL BANK CREDIT

3,59,286

12199,34

9459,84

1,40,118

15508,74

8861,17

OF WHICH:
1. Artisans and Village & Tiny Industries

1,438

26,78

21,40

433

26,08

21,87

2. Other Small Scale Industries

12,036

1464,84

1087,06

14,055

2236,56

1512,04