Table No. 5.7 – State and Population Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation

March 2001

NORTHERN REGION

(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

6,69,776

1981,36

1631,11

2,62,480

992,08

830,46

1. Direct Finance

6,62,329

1903,12

1580,93

2,58,829

867,03

722,55

2. Indirect Finance

7,447

78,24

50,18

3,651

125,05

107,91

II.

INDUSTRY

69,514

761,70

627,46

46,869

867,28

676,86

1. Mining & Quarrying

210

42,71

38,11

367

50,55

36,71

2. Food Manufacturing & Processing

784

90,55

63,93

629

66,22

55,01

(a) Rice Mills, Flour & Dal Mills

326

9,03

7,68

217

25,47

20,82

(b) Sugar

14

25,24

20,77

—

—

—

(c) Edible Oils & Vanaspati

99

5,45

4,85

246

33,26

28,23

(d) Tea Processing

2

84

64

—

—

—

(e) Processing of Fruits & Vegetables

4

83

66

—

—

—

(f) Others

339

49,16

29,33

166

7,49

5,96

3. Beverage & Tobacco

2

12,54

1,89

10

6,86

3,29

4. Textiles

537

143,81

141,27

1,704

297,72

240,56

(a) Cotton Textiles

243

14,05

9,02

1,173

123,39

103,91

(b) Jute Textiles

1

3

2

6

43

32

(c) Handloom Textiles & Khadi

30

97

75

283

5,00

3,84

(d) Other Textiles

263

128,76

131,48

242

168,90

132,49

5. Paper, Paper Products & Printing

60

20,33

20,64

145

4,96

3,33

6. Leather & Leather Products

204

94

82

245

1,51

56

7. Rubber & Rubber Products

17

5,09

3,15

58

40,27

25,44

8. Chemicals & Chemical Products

213

30,04

23,92

325

85,51

53,63

(a) Heavy Industrial Chemicals

5

3,90

3,89

27

9,25

7,68

(b) Fertilisers

4

10,63

5,77

4

19,50

3,78

(c) Drugs & Pharmaceuticals

20

1,48

1,37

35

1,84

1,57

(d) Non-Edible Oils

4

39

12

5

3,14

41

(e) Other Chemicals & Chemical Products

180

13,64

12,78

254

51,77

40,20

9. Petroleum, Coal Products & Nuclear Fuels

—

—

—

8

4,29

3,21

10. Manufacture of Cement & Cement Products

121

97,92

93,14

189

57,57

54,44

11. Basic Metals & Metal Products

254

54,08

48,56

173

20,76

14,98

(a) Iron & Steel

34

11,29

9,52

35

13,35

8,83

(b) Non-Ferrous Metals

9

29,14

27,34

2

3,50

3,43

(c) Other Metal Products

211

13,65

11,70

136

3,91

2,72

12. Engineering

243

80,83

46,49

219

7,75

5,08

(a) Heavy Engineering

19

14,48

8,46

11

1,56

46

(b) Light Engineering

144

6,50

5,45

80

1,57

1,11

(c) Electrical Machinery & Goods

72

17,60

16,01

119

4,20

3,23

(d) Electronic Machinery & Goods

8

42,25

16,58

9

41

28

13. Vehicles, Vehicle Parts & Transport Equipments

362

9,87

8,58

226

16,38

14,05

14. Other Industries

66,451

168,88

134,83

42,277

199,52

161,01

15. Electricity, Gas & Water

13

3,03

1,13

16

2,49

1,76

(a) Electricity Generation & Transmission

13

3,03

1,13

12

1,40

52

(b) Non-Conventional Energy

—

—

—

3

1,04

1,19

(c) Gas, Steam & Water Supply

—

—

—

1

5

5

16. Construction

43

1,09

1,00

278

4,91

3,83

III.

TRANSPORT OPERATORS

11,550

51,24

36,33

3,984

39,01

28,44

IV.

PROFESSIONAL AND OTHER SERVICES

18,096

42,39

34,01

14,885

60,85

46,73

V.

PERSONAL LOANS

1,88,784

507,97

443,25

1,76,459

636,84

547,12

1. Loans for Purchase of Consumer Durables

12,622

29,47

23,47

14,846

41,05

33,31

2. Loans for Housing

18,216

111,76

101,82

25,554

210,42

185,33

3. Rest of the Personal Loans

1,57,946

366,74

317,96

1,36,059

385,38

328,47

VI.

TRADE

67,417

361,53

328,68

47,941

377,04

283,99

1. Wholesale Trade

3,128

219,25

214,12

6,877

138,04

93,17

2. Retail Trade

64,289

142,29

114,56

41,064

239,00

190,83

VII.

FINANCE

18

1,60

76

657

9,04

7,71

VIII.

ALL OTHERS

26,600

73,51

61,42

16,916

90,87

74,20

TOTAL BANK CREDIT

10,51,755

3781,31

3163,03

5,70,191

3073,01

2495,50

OF WHICH: 1. Artisans & Village Industries

45,880

74,94

59,19

18,967

41,98

34,78

2. Other Small Scale Industries

15,489

121,52

102,35

21,677

241,35

184,41

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

25,303

170,68

141,72

8,314

634,41

570,42

1. Direct Finance

24,424

137,24

117,41

7,886

29,06

30,52

2. Indirect Finance

879

33,43

24,31

428

605,34

539,90

II.

INDUSTRY

32,610

2268,80

1810,51

19,295

1891,06

1481,49

1. Mining & Quarrying

380

151,80

114,80

60

79,03

63,19

2. Food Manufacturing & Processing

622

92,37

66,12

296

73,53

61,15

(a) Rice Mills, Flour & Dal Mills

164

24,09

13,57

139

12,51

10,42

(b) Sugar

4

3,76

2,59

3

10,05

8,98

(c) Edible Oils & Vanaspati

152

34,02

26,59

59

31,73

25,35

(d) Tea Processing

2

13

10

4

56

44

(e) Processing of Fruits & Vegetables

15

2,71

2,82

5

22

20

(f) Others

285

27,66

20,44

86

18,46

15,77

3. Beverage & Tobacco

36

10,96

8,02

19

19,75

16,22

4. Textiles

1,684

679,31

577,81

889

324,40

253,46

(a) Cotton Textiles

344

117,92

96,77

159

60,91

58,84

(b) Jute Textiles

2

61

61

4

5,18

4,96

(c) Handloom Textiles & Khadi

84

18,12

18,05

28

6,70

5,51

(d) Other Textiles

1,254

542,66

462,38

698

251,62

184,14

5. Paper, Paper Products & Printing

391

104,05

81,83

297

45,30

33,64

6. Leather & Leather Products

101

1,70

1,64

25

8,73

8,85

7. Rubber & Rubber Products

129

50,10

53,62

66

14,74

13,93

8. Chemicals & Chemical Products

895

378,56

249,18

524

95,47

75,55

(a) Heavy Industrial Chemicals

72

22,17

19,42

24

3,77

3,14

(b) Fertilisers

30

56,98

35,61

31

10,07

10,36

(c) Drugs & Pharmaceuticals

126

49,62

38,24

83

7,47

5,16

(d) Non-Edible Oils

4

19

17

1

12

12

(e) Other Chemicals & Chemical Products

663

249,60

155,73

385

74,04

56,78

9. Petroleum, Coal Products & Nuclear Fuels

16

7,44

3,49

15

5,43

3,59

10. Manufacture of Cement & Cement Products

722

67,84

53,30

37

10,57

8,86

11. Basic Metals & Metal Products

997

198,29

174,24

603

127,89

102,38

(a) Iron & Steel

278

66,99

57,27

239

79,44

64,90

(b) Non-Ferrous Metals

59

43,18

37,57

54

17,42

13,92

(c) Other Metal Products

660

88,12

79,41

310

31,04

23,56

12. Engineering

949

189,14

153,01

1,025

494,17

352,44

(a) Heavy Engineering

78

23,22

21,52

35

11,48

8,87

(b) Light Engineering

448

68,69

55,60

247

178,40

125,90

(c) Electrical Machinery & Goods

338

21,63

19,71

703

273,38

190,38

(d) Electronic Machinery & Goods

85

75,59

56,19

40

30,90

27,29

13. Vehicles, Vehicle Parts & Transport Equipments

152

36,74

33,32

94

7,73

6,34

14. Other Industries

25,256

274,92

219,17

15,271

369,55

291,34

15. Electricity, Gas & Water

15

5,12

3,62

41

191,53

168,63

(a) Electricity Generation & Transmission

8

4,32

3,07

26

184,06

161,14

(b) Non-Conventional Energy

3

13

13

1

2,12

1,37

(c) Gas, Steam & Water Supply

4

68

43

14

5,36

6,12

16. Construction

265

20,45

17,34

33

23,25

21,94

III.

TRANSPORT OPERATORS

4,012

39,95

31,22

1,038

132,80

96,54

IV.

PROFESSIONAL AND OTHER SERVICES

11,114

195,60

165,57

3,271

143,78

115,73

V.

PERSONAL LOANS

1,79,057

927,33

789,07

1,07,359

833,10

766,62

1. Loans for Purchase of Consumer Durables

14,954

52,38

40,49

7,652

31,20

25,35

2. Loans for Housing

36,984

414,50

369,50

24,611

467,50

438,74

3. Rest of the Personal Loans

1,27,119

460,45

379,09

75,096

334,40

302,53

VI.

TRADE

36,983

636,27

501,21

12,309

991,91

882,08

1. Wholesale Trade

5,219

282,07

214,33

2,257

811,44

738,65

2. Retail Trade

31,764

354,21

286,88

10,052

180,47

143,43

VII.

FINANCE

128

21,57

16,01

49

116,25

92,60

VIII.

ALL OTHERS

32,749

277,05

238,91

13,206

367,77

303,83

TOTAL BANK CREDIT

3,21,956

4537,24

3694,22

1,64,841

5111,08

4309,31

OF WHICH: 1. Artisans & Village Industries

4,949

19,28

16,57

840

5,41

4,95

2. Other Small Scale Industries

16,947

499,77

398,10

14,027

604,88

435,60