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

2,59,019

352,73

292,04

3,67,599

698,70

598,22

-

-

-

1.

Direct Finance

2,57,087

322,43

266,72

3,62,075

606,61

533,14

-

-

-

2.

Indirect Finance

1,932

30,31

25,32

5,524

92,09

65,08

-

-

-

II.

INDUSTRY

58,936

724,28

585,74

52,485

1686,75

1339,82

308

35,59

29,59

1.

Mining & Quarrying

255

13,88

8,00

989

87,96

69,18

-

-

-

2.

Food Manufacturing and Processing

1,088

36,63

25,99

1,748

84,62

65,49

3

9,94

9,94

(a)

Rice Mills, Flour and Dal Mills

294

10,12

7,14

370

7,62

6,48

-

-

-

(b)

Sugar

3

57

52

17

21,02

17,54

-

-

-

(c)

Edible Oils and Vanaspati

361

19,88

13,28

653

43,11

30,88

-

-

-

(d)

Tea Processing

-

-

-

4

6

2

-

-

-

(e)

Processing of Fruits & Vegetables

4

1

1

29

35

30

-

-

-

(f)

Others

426

6,05

5,03

675

12,46

10,26

3

9,94

9,94

3.

Beverage and Tobacco

24

70

59

73

7,47

7,09

-

-

-

4.

Textiles

1,740

185,12

145,38

2,463

460,88

357,34

5

15,40

9,57

(a)

Cotton Textiles

1,178

39,36

33,95

1,002

119,49

98,26

1

1,00

-

(b)

Jute Textiles

14

12,16

11,13

10

6

6

-

-

-

(c)

Handloom Textiles & Khadi

49

2,00

1,57

120

1,39

1,12

-

-

-

(d)

Other Textiles

499

131,60

98,74

1,331

339,94

257,90

4

14,40

9,57

5.

Paper, Paper Products and Printing

178

5,65

5,36

561

65,54

56,28

-

-

-

6.

Leather and Leather Products

67

1,41

1,49

162

8,13

7,20

-

-

-

7.

Rubber and Rubber Products

44

5,37

4,95

117

65,14

37,79

1

50

45

8.

Chemicals and Chemical Products

590

48,41

36,85

922

189,50

149,04

3

45

45

(a)

Heavy Industrial Chemicals

35

1,67

1,46

95

63,28

53,32

-

-

-

(b)

Fertilizers

11

4,28

3,03

32

68,04

43,77

-

-

-

(c)

Drugs and Pharmaceuticals

180

6,26

4,87

198

27,43

26,81

-

-

-

(d)

Non-Edible Oils

26

6,91

6,68

16

89

93

-

-

-

(e)

Other Chemicals & Chemical Products

338

29,29

20,80

581

29,86

24,20

3

45

45

9.

Petroleum, Coal Products & Nuclear Fuels

59

1,71

1,03

39

2,05

1,64

-

-

-

10.

Manufacture of Cement & Cement Products

180

39,29

30,79

323

34,39

28,97

-

-

-

11.

Basic Metals & Metal Products

499

33,43

25,89

1,054

137,88

111,29

-

-

-

(a)

Iron and Steel

219

16,44

14,18

355

68,78

58,06

-

-

-

(b)

Non-Ferrous Metals

64

9,61

5,63

94

20,32

9,22

-

-

-

(c)

Other Metal Products

216

7,38

6,08

605

48,78

44,01

-

-

-

12.

Engineering

546

135,11

115,53

1,244

203,78

173,75

4

5,61

5,64

(a)

Heavy Engineering

132

6,78

6,05

156

34,32

30,70

-

-

-

(b)

Light Engineering

196

35,02

31,39

430

21,58

19,61

1

10

7

(c)

Electrical Machinery & Goods

127

37,41

30,09

433

86,67

77,81

-

-

-

(d)

Electronic Machinery & Goods

91

55,90

48,00

225

61,20

45,63

3

5,51

5,57

13.

Vehicles, Vehicle Parts & Transport Equipments

134

6,59

5,29

300

26,32

21,94

-

-

-

14.

Other Industries

53,440

130,28

101,02

42,134

268,02

223,06

292

3,69

3,55

15.

Electricity, Gas & Water

51

79,12

76,43

100

18,70

6,87

-

-

-

(a)

Electricity Generation & Transmission

43

79,02

76,38

97

18,64

6,82

-

-

-

(b)

Non-Conventional Energy

-

-

-

-

-

-

-

-

-

(c)

Gas, Steam & Water Supply

8

10

5

3

6

5

-

-

-

16.

Construction

41

1,59

1,15

256

26,38

22,89

-

-

-

III.

TRANSPORT OPERATORS

7,322

22,94

17,46

12,557

110,29

80,64

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

5,033

15,69

12,07

48,475

122,97

99,19

-

-

-

V.

PERSONAL LOANS

1,41,449

271,05

232,72

1,15,145

359,59

317,53

145

1,80

1,74

1.

Loans for Purchase of Consumer Durables

8,799

13,47

11,35

2,943

5,43

4,57

-

-

-

2.

Loans for Housing

15,370

72,54

66,42

23,993

107,45

98,27

-

-

-

3.

Rest of the Personal Loans

1,17,280

185,04

154,94

88,209

246,71

214,69

145

1,80

1,74

VI.

TRADE

1,14,945

383,53

328,66

1,18,425

348,71

286,63

-

-

-

1.

Wholesale Trade

6,044

209,37

185,58

7,241

124,72

102,26

-

-

-

2.

Retail Trade

1,08,901

174,15

143,08

1,11,184

223,99

184,38

-

-

-

VII.

FINANCE

98

4,62

3,32

281

49,05

46,58

-

-

-

VIII.

ALL OTHERS

16,867

31,92

24,63

78,922

263,19

238,03

1

24

24

TOTAL BANK CREDIT

6,03,669

1806,76

1496,65

7,93,889

3639,26

3006,64

454

37,63

31,58

OF WHICH :

1. Artisans & Village Industries

30,048

22,53

19,25

19,778

21,88

19,58

-

-

-

2. Other Small Scale Industries

22,483

207,12

164,12

26,930

383,63

327,29

3

4,94

4,91

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

2,86,463

233,66

203,53

43,502

69,82

53,42

9,56,583

1354,91

1147,21

1.

Direct Finance

2,80,340

227,21

197,79

43,210

51,31

38,51

9,42,712

1207,55

1036,17

2.

Indirect Finance

6,123

6,45

5,74

292

18,51

14,90

13,871

147,36

111,04

II.

INDUSTRY

64,845

36,57

31,36

9,296

378,49

289,78

1,85,870

2861,69

2276,29

1.

Mining & Quarrying

35

74

63

95

32,55

26,29

1,374

135,13

104,10

2.

Food Manufacturing and Processing

296

63

57

276

25,33

15,42

3,411

157,15

117,40

(a)

Rice Mills, Flour and Dal Mills

36

15

15

86

3,45

2,49

786

21,34

16,26

(b)

Sugar

-

-

-

4

3,55

1,67

24

25,14

19,73

(c)

Edible Oils and Vanaspati

44

22

20

114

13,94

7,29

1,172

77,15

51,65

(d)

Tea Processing

-

-

-

1

-

-

5

7

2

(e)

Processing of Fruits & Vegetables

6

3

2

2

1

1

41

40

35

(f)

Others

210

23

20

69

4,38

3,95

1,383

33,06

29,39

3.

Beverage and Tobacco

2

1

1

41

9,09

6,27

140

17,27

13,96

4.

Textiles

37

37

36

530

145,25

102,70

4,775

807,02

615,35

(a)

Cotton Textiles

5

2

2

214

26,06

16,43

2,400

185,93

148,65

(b)

Jute Textiles

1

1

1

4

8

6

29

12,30

11,25

(c)

Handloom Textiles & Khadi

3

1

1

15

2,37

2,40

187

5,76

5,10

(d)

Other Textiles

28

34

33

297

116,74

83,81

2,159

603,02

450,35

5.

Paper, Paper Products and Printing

4

2

1

114

1,98

1,72

857

73,17

63,37

6.

Leather and Leather Products

22

8

7

11

10

8

262

9,71

8,84

7.

Rubber and Rubber Products

4

8

8

35

2,21

1,78

201

73,31

45,05

8.

Chemicals and Chemical Products

12

4

4

243

13,12

10,96

1,770

251,52

197,33

(a)

Heavy Industrial Chemicals

-

-

-

14

44

37

144

65,39

55,16

(b)

Fertilizers

-

-

-

-

-

-

43

72,32

46,80

(c)

Drugs and Pharmaceuticals

3

1

1

73

1,24

1,03

454

34,94

32,71

(d)

Non-Edible Oils

-

-

-

3

15

12

45

7,95

7,74

(e)

Other Chemicals & Chemical Products

9

3

3

153

11,29

9,44

1,084

70,93

54,92

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

2

2

1

100

3,77

2,68

10.

Manufacture of Cement & Cement Products

13

30

28

88

5,88

5,20

604

79,86

65,24

11.

Basic Metals & Metal Products

26

13

12

328

22,12

17,47

1,907

193,55

154,77

(a)

Iron and Steel

7

6

6

172

10,18

8,97

753

95,46

81,27

(b)

Non-Ferrous Metals

-

-

-

23

7,36

4,54

181

37,28

19,39

(c)

Other Metal Products

19

7

6

133

4,58

3,95

973

60,81

54,11

12.

Engineering

51

43

35

340

46,34

37,84

2,185

391,27

333,10

(a)

Heavy Engineering

11

22

17

34

4,47

3,09

333

45,79

40,01

(b)

Light Engineering

25

14

13

84

2,58

2,07

736

59,42

53,27

(c)

Electrical Machinery & Goods

11

5

4

172

31,55

25,00

743

155,68

132,94

(d)

Electronic Machinery & Goods

4

2

1

50

7,75

7,67

373

130,38

106,89

13.

Vehicles, Vehicle Parts & Transport Equipments

42

56

43

45

42,36

39,24

521

75,83

66,90

14.

Other Industries

64,295

33,14

28,37

7,087

20,86

15,82

1,67,248

455,99

371,80

15.

Electricity, Gas & Water

2

1

1

19

2,60

1,10

172

100,43

84,41

(a)

Electricity Generation & Transmission

-

-

-

5

1,33

98

145

98,99

84,18

(b)

Non-Conventional Energy

-

-

-

2

1,17

1

2

1,17

1

(c)

Gas, Steam & Water Supply

2

1

1

12

11

11

25

28

22

16.

Construction

4

5

4

42

8,69

7,91

343

36,71

31,99

III.

TRANSPORT OPERATORS

15,843

19,26

16,58

1,037

24,95

18,29

36,759

177,44

132,98

IV.

PROFESSIONAL AND OTHER SERVICES

15,021

9,04

7,49

4,678

19,43

15,26

73,207

167,13

134,01

V.

PERSONAL LOANS

33,915

54,47

48,87

27,949

85,27

72,47

3,18,603

772,19

673,33

1.

Loans for Purchase of Consumer Durables

2,439

3,53

3,16

5,333

7,40

6,03

19,514

29,83

25,12

2.

Loans for Housing

1,441

6,77

6,42

4,700

23,33

21,22

45,504

210,10

192,33

3.

Rest of the Personal Loans

30,035

44,17

39,29

17,916

54,54

45,21

2,53,585

532,26

455,88

VI.

TRADE

67,477

44,42

37,61

17,057

171,02

133,45

3,17,904

947,67

786,36

1.

Wholesale Trade

1,099

1,02

80

2,307

131,41

104,29

16,691

466,53

392,93

2.

Retail Trade

66,378

43,40

36,81

14,750

39,61

29,16

3,01,213

481,15

393,42

VII.

FINANCE

9

3

5

94

12,50

10,03

482

66,20

59,98

VIII.

ALL OTHERS

18,547

20,41

17,65

12,417

31,90

29,23

1,26,754

347,66

309,78

TOTAL BANK CREDIT

5,02,120

417,86

363,13

1,16,030

793,37

621,92

20,16,162

6694,89

5519,92

OF WHICH :

1. Artisans & Village Industries

58,924

29,29

24,97

5,095

3,08

2,25

1,13,845

76,78

66,06