Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Loans and Advances of Scheduled Commercial Banks According to Occupation (Part 1 of 2) - आरबीआय - Reserve Bank of India
Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Loans and Advances of Scheduled Commercial Banks According to Occupation (Part 1 of 2)
(Amount in Rupees Lakh) |
||||||||||
OCCUPATION |
LESS THAN 6% |
6% AND ABOVE BUT |
10% AND ABOVE BUT LESS |
|||||||
LESS THAN 10% |
THAN 12% |
|||||||||
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 |
96 |
31,20 |
29,43 |
38,556 |
4430,66 |
2723,80 |
2,22,559 |
14434,98 |
11653,52 |
1. Direct Finance |
56 |
2,63 |
2,64 |
34,726 |
2378,25 |
1539,52 |
2,06,386 |
8371,99 |
6942,65 |
|
2. Indirect Finance |
40 |
28,56 |
26,79 |
3,830 |
2052,40 |
1184,29 |
16,173 |
6062,98 |
4710,87 |
|
II. |
INDUSTRY |
93 |
110,68 |
99,65 |
38,954 |
18441,58 |
13544,63 |
1,12,083 |
75342,54 |
50672,09 |
1. Mining & Quarrying |
- |
- |
- |
606 |
598,97 |
498,10 |
3,094 |
2636,42 |
1431,39 |
|
2. Food Manufacturing & Processing |
- |
- |
- |
1,584 |
1921,08 |
1325,77 |
14,953 |
8727,75 |
5682,94 |
|
(a) Rice Mills, Flour & Dal Mills |
- |
- |
- |
678 |
616,78 |
470,32 |
7,062 |
2375,47 |
1666,46 |
|
(b) Sugar |
- |
- |
- |
12 |
121,13 |
18,91 |
242 |
1998,31 |
1157,06 |
|
(c) Edible Oils & Vanaspati |
- |
- |
- |
107 |
198,30 |
129,22 |
1,213 |
691,83 |
528,66 |
|
(d) Tea Processing |
- |
- |
- |
59 |
59,09 |
47,37 |
439 |
810,86 |
558,35 |
|
(e) Processing of Fruits & Vegetables |
- |
- |
- |
64 |
51,42 |
42,57 |
325 |
82,15 |
58,77 |
|
(f) Others |
- |
- |
- |
664 |
874,36 |
617,38 |
5,672 |
2769,14 |
1713,63 |
|
3. Beverage & Tobacco |
- |
- |
- |
74 |
276,27 |
196,51 |
786 |
830,66 |
641,10 |
|
4. Textiles |
5 |
13,51 |
7,50 |
3,936 |
4280,40 |
2945,53 |
17,423 |
9994,23 |
6978,64 |
|
(a) Cotton Textiles |
2 |
7,50 |
7,50 |
899 |
1520,73 |
954,09 |
5,354 |
4129,94 |
2962,27 |
|
(b) Jute & Other Natural Fibre Textiles |
- |
- |
- |
69 |
62,59 |
46,60 |
380 |
239,95 |
108,20 |
|
(c) Handloom Textiles & Khadi |
3 |
6,01 |
- |
174 |
108,74 |
102,57 |
1,532 |
385,48 |
266,67 |
|
(d) Other Textiles & Textile Products |
- |
- |
- |
2,794 |
2588,35 |
1842,26 |
10,157 |
5238,86 |
3641,51 |
|
5. Paper, Paper Products & Printing |
1 |
20,74 |
16,59 |
338 |
236,63 |
190,66 |
4,933 |
2096,38 |
1370,30 |
|
6. Leather & Leather Products |
- |
- |
- |
649 |
670,65 |
533,41 |
1,319 |
470,42 |
389,06 |
|
7. Rubber & Plastic Products |
4 |
26,00 |
26,00 |
447 |
367,13 |
305,54 |
5,451 |
1744,76 |
1291,72 |
|
8. Chemicals & Chemical Products |
1 |
4,95 |
4,95 |
940 |
1847,53 |
1272,06 |
7,180 |
7555,26 |
5026,56 |
|
(a) Heavy Industrial Chemicals |
1 |
4,95 |
4,95 |
195 |
518,69 |
296,06 |
1,044 |
1967,21 |
1205,29 |
|
(b) Fertilisers |
- |
- |
- |
21 |
130,53 |
107,73 |
252 |
1498,27 |
985,26 |
|
(c) Drugs & Pharmaceuticals |
- |
- |
- |
240 |
636,57 |
499,88 |
1,582 |
1674,24 |
1209,84 |
|
(d) Non-Edible Oils |
- |
- |
- |
21 |
48,80 |
38,90 |
159 |
62,99 |
48,88 |
|
(e) Other Chemicals & Chemical Products |
- |
- |
- |
463 |
512,95 |
329,49 |
4,143 |
2352,54 |
1577,28 |
|
9. Petroleum, Coal Products & Nuclear Fuels |
- |
- |
- |
35 |
33,62 |
29,41 |
395 |
1899,76 |
794,07 |
|
10. Manufacture of Cement & Cement Products |
- |
- |
- |
98 |
97,08 |
76,05 |
1,426 |
810,72 |
598,93 |
|
11. Basic Metals & Metal Products |
- |
- |
- |
1,286 |
1029,47 |
825,26 |
10,371 |
7516,15 |
4812,23 |
|
(a) Iron & Steel |
- |
- |
- |
350 |
456,66 |
334,01 |
3,603 |
4734,98 |
3003,06 |
|
(b) Non-Ferrous Metals |
- |
- |
- |
170 |
301,65 |
276,42 |
1,255 |
1005,62 |
512,55 |
|
(c) Metal Products |
- |
- |
- |
766 |
271,16 |
214,83 |
5,513 |
1775,55 |
1296,61 |
|
12. Engineering |
- |
- |
- |
1,152 |
767,55 |
490,17 |
11,196 |
6489,34 |
3979,66 |
|
(a) Heavy Engineering |
- |
- |
- |
281 |
119,51 |
90,71 |
2,534 |
1273,15 |
938,16 |
|
(b) Light Engineering |
- |
- |
- |
483 |
348,42 |
195,13 |
4,692 |
1883,72 |
1207,36 |
|
(c) Electrical Machinery & Goods |
- |
- |
- |
269 |
207,76 |
139,72 |
2,888 |
2547,44 |
1283,67 |
|
(d) Electronic Machinery & Goods |
- |
- |
- |
119 |
91,87 |
64,61 |
1,082 |
785,03 |
550,47 |
|
13. Vehicles, Vehicle Parts & Transport Equipments |
- |
- |
- |
417 |
421,36 |
323,12 |
3,230 |
2767,11 |
1458,89 |
|
14. Other Industries |
45 |
21,05 |
20,25 |
3,397 |
2886,88 |
1912,92 |
14,900 |
7818,91 |
5812,20 |
|
15. Electricity, Gas & Water |
4 |
5,36 |
5,36 |
115 |
763,17 |
652,28 |
804 |
5178,85 |
4024,25 |
|
(a) Electricity Generation & Transmission |
4 |
5,36 |
5,36 |
53 |
641,90 |
583,90 |
382 |
4640,55 |
3593,28 |
|
(b) Non-Conventional Energy |
- |
- |
- |
23 |
17,85 |
17,68 |
97 |
96,74 |
89,02 |
|
(c) Gas, Steam & Water Supply |
- |
- |
- |
39 |
103,42 |
50,69 |
325 |
441,56 |
341,95 |
|
16. Construction |
33 |
19,07 |
19,00 |
23,880 |
2243,77 |
1967,85 |
14,622 |
8805,81 |
6380,14 |
|
III. |
TRANSPORT OPERATORS |
2 |
5 |
5 |
1,672 |
252,44 |
187,11 |
14,446 |
2105,25 |
1665,98 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
16 |
25,31 |
22,98 |
10,994 |
2368,47 |
1848,67 |
36,436 |
9947,27 |
8244,43 |
V. |
PERSONAL LOANS |
61,920 |
2488,98 |
2414,03 |
5,41,842 |
29649,43 |
26320,43 |
3,50,303 |
16375,22 |
13855,51 |
1. Loans for Purchase of Consumer Durables |
- |
- |
- |
- |
- |
- |
132 |
4,55 |
4,29 |
|
2. Loans for Housing |
57,266 |
2336,55 |
2267,28 |
5,31,808 |
29319,41 |
26040,38 |
2,12,874 |
11564,77 |
10411,32 |
|
3. Rest of the Personal Loans |
4,654 |
152,42 |
146,75 |
10,034 |
330,02 |
280,05 |
1,37,297 |
4805,89 |
3439,90 |
|
VI. |
TRADE |
14 |
5,88 |
5,27 |
12,974 |
51576,78 |
39434,42 |
86,757 |
11100,05 |
8067,00 |
1. Wholesale Trade |
10 |
2,94 |
2,94 |
3,932 |
49943,22 |
38400,69 |
23,124 |
4234,55 |
3016,80 |
|
2. Retail Trade |
4 |
2,94 |
2,33 |
9,042 |
1633,56 |
1033,73 |
63,633 |
6865,50 |
5050,20 |
|
VII. |
FINANCE |
47 |
3,13 |
3,19 |
1,529 |
3609,00 |
3009,04 |
3,186 |
8481,33 |
5786,17 |
VIII. |
ALL OTHERS |
44 |
36,91 |
34,11 |
23,075 |
2825,29 |
2145,80 |
59,976 |
8852,84 |
6277,93 |
TOTAL LOANS AND ADVANCES |
62,232 |
2702,13 |
2608,71 |
6,69,596 |
113153,65 |
89213,91 |
8,85,746 |
146639,48 |
106222,64 |
|
OF WHICH : 1. Artisans and Village & Tiny Industries |
44 |
2,05 |
1,25 |
2,008 |
196,00 |
155,51 |
12,601 |
1268,66 |
974,02 |
|
2. Other Small Scale Industries |
3 |
6,01 |
- |
5,773 |
3795,68 |
2685,72 |
52,372 |
9823,53 |
7318,69 |
(Amount in Rupees Lakh) |
||||||||||
OCCUPATION |
12% AND ABOVE BUT LESS |
13% AND ABOVE BUT LESS |
14% AND ABOVE BUT LESS |
|||||||
THAN 13% |
THAN 14% |
THAN 15% |
||||||||
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 |
1,01,969 |
8229,00 |
6556,10 |
1,18,669 |
11012,10 |
9222,62 |
80,640 |
7605,65 |
6424,07 |
1. Direct Finance |
93,126 |
4831,33 |
3883,30 |
1,08,864 |
4605,54 |
3952,48 |
72,323 |
3332,71 |
2949,67 |
|
2. Indirect Finance |
8,843 |
3397,67 |
2672,80 |
9,805 |
6406,56 |
5270,14 |
8,317 |
4272,94 |
3474,40 |
|
II. |
INDUSTRY |
69,640 |
52299,75 |
35028,53 |
60,289 |
66046,83 |
52692,38 |
66,984 |
76118,18 |
59652,59 |
1. Mining & Quarrying |
1,596 |
4999,56 |
752,63 |
1,749 |
2655,30 |
2468,84 |
1,843 |
3446,11 |
3130,34 |
|
2. Food Manufacturing & Processing |
8,570 |
5994,02 |
4117,57 |
7,224 |
4137,72 |
2998,32 |
6,956 |
5772,95 |
4540,90 |
|
(a) Rice Mills, Flour & Dal Mills |
3,595 |
1236,70 |
777,25 |
3,086 |
1169,48 |
703,29 |
2,900 |
1043,84 |
733,24 |
|
(b) Sugar |
226 |
2013,09 |
1254,95 |
176 |
1189,65 |
916,17 |
256 |
1514,52 |
1266,45 |
|
(c) Edible Oils & Vanaspati |
850 |
723,43 |
533,56 |
730 |
426,17 |
345,00 |
699 |
536,79 |
478,73 |
|
(d) Tea Processing |
497 |
462,78 |
354,78 |
321 |
377,88 |
306,72 |
320 |
888,46 |
801,64 |
|
(e) Processing of Fruits & Vegetables |
231 |
58,15 |
45,61 |
179 |
64,02 |
43,30 |
223 |
112,32 |
84,67 |
|
(f) Others |
3,171 |
1499,86 |
1151,43 |
2,732 |
910,52 |
683,84 |
2,558 |
1677,02 |
1176,16 |
|
3. Beverage & Tobacco |
646 |
480,25 |
331,27 |
654 |
297,11 |
227,23 |
781 |
1554,88 |
1372,41 |
|
4. Textiles |
10,139 |
6027,11 |
4540,23 |
8,723 |
4551,16 |
3576,80 |
10,005 |
8761,44 |
7059,34 |
|
(a) Cotton Textiles |
3,381 |
2925,86 |
2328,42 |
3,188 |
2241,70 |
1754,86 |
3,860 |
4197,78 |
3349,80 |
|
(b) Jute & Other Natural Fibre Textiles |
182 |
111,19 |
75,87 |
165 |
175,50 |
162,24 |
170 |
217,51 |
130,29 |
|
(c) Handloom Textiles & Khadi |
557 |
89,36 |
74,90 |
474 |
346,79 |
252,36 |
402 |
143,30 |
131,46 |
|
(d) Other Textiles & Textile Products |
6,019 |
2900,70 |
2061,04 |
4,896 |
1787,17 |
1407,34 |
5,573 |
4202,85 |
3447,79 |
|
5. Paper, Paper Products & Printing |
3,663 |
1692,85 |
1150,02 |
3,121 |
1018,23 |
758,14 |
3,204 |
2259,82 |
1815,53 |
|
6. Leather & Leather Products |
836 |
311,06 |
250,42 |
807 |
273,96 |
192,61 |
924 |
534,84 |
441,60 |
|
7. Rubber & Plastic Products |
4,000 |
1677,26 |
1180,04 |
3,202 |
946,63 |
705,20 |
2,812 |
1679,22 |
1253,08 |
|
8. Chemicals & Chemical Products |
5,265 |
5705,68 |
3860,87 |
4,026 |
5361,07 |
3739,63 |
4,436 |
9286,49 |
7228,99 |
|
(a) Heavy Industrial Chemicals |
903 |
1392,08 |
823,57 |
720 |
2130,85 |
1503,12 |
797 |
1747,91 |
1538,65 |
|
(b) Fertilisers |
196 |
1271,72 |
1022,74 |
145 |
1307,82 |
823,24 |
202 |
1899,95 |
1683,70 |
|
(c) Drugs & Pharmaceuticals |
1,245 |
1434,51 |
937,43 |
928 |
844,63 |
643,03 |
1,081 |
2724,19 |
2026,78 |
|
(d) Non-Edible Oils |
125 |
59,16 |
32,81 |
103 |
43,19 |
35,77 |
97 |
86,70 |
56,08 |
|
(e) Other Chemicals & Chemical Products |
2,796 |
1548,20 |
1044,33 |
2,130 |
1034,58 |
734,46 |
2,259 |
2827,74 |
1923,78 |
|
9. Petroleum, Coal Products & Nuclear Fuels |
342 |
778,00 |
679,95 |
372 |
4234,96 |
3646,57 |
355 |
2142,85 |
1448,21 |
|
10. Manufacture of Cement & Cement Products |
863 |
1168,37 |
1000,01 |
755 |
1387,62 |
1196,16 |
718 |
1777,98 |
1227,47 |
|
11. Basic Metals & Metal Products |
6,590 |
6513,89 |
4688,25 |
5,480 |
5990,27 |
4476,97 |
5,595 |
7760,91 |
6061,00 |
|
(a) Iron & Steel |
2,464 |
4075,00 |
3091,53 |
1,876 |
4739,09 |
3489,78 |
2,203 |
4901,85 |
3878,41 |
|
(b) Non-Ferrous Metals |
530 |
580,76 |
418,52 |
401 |
207,27 |
135,89 |
477 |
901,41 |
635,90 |
|
(c) Metal Products |
3,596 |
1858,13 |
1178,20 |
3,203 |
1043,91 |
851,30 |
2,915 |
1957,64 |
1546,69 |
|
12. Engineering |
7,958 |
5183,49 |
3702,93 |
6,267 |
5110,51 |
3715,33 |
6,788 |
8534,45 |
6478,00 |
|
(a) Heavy Engineering |
1,902 |
858,49 |
647,50 |
1,418 |
782,65 |
543,26 |
1,573 |
1865,84 |
1341,82 |
|
(b) Light Engineering |
2,857 |
1367,15 |
875,03 |
2,344 |
966,39 |
749,97 |
2,539 |
2260,91 |
1753,89 |
|
(c) Electrical Machinery & Goods |
2,194 |
1568,80 |
1095,52 |
1,748 |
2317,78 |
1543,09 |
1,763 |
2200,50 |
1688,02 |
|
(d) Electronic Machinery & Goods |
1,005 |
1389,05 |
1084,88 |
757 |
1043,69 |
879,02 |
913 |
2207,21 |
1694,28 |
|
13. Vehicles, Vehicle Parts & Transport Equipments |
2,136 |
1905,93 |
1358,47 |
1,444 |
2415,65 |
1809,89 |
1,708 |
3986,37 |
3348,10 |
|
14. Other Industries |
9,810 |
3091,98 |
2330,25 |
9,660 |
2933,40 |
2319,44 |
12,129 |
8608,99 |
6075,41 |
|
15. Electricity, Gas & Water |
565 |
2375,25 |
1736,51 |
668 |
12447,51 |
11039,75 |
539 |
3653,87 |
2897,54 |
|
(a) Electricity Generation & Transmission |
234 |
2168,04 |
1579,47 |
358 |
12022,29 |
10721,51 |
267 |
3299,66 |
2652,96 |
|
(b) Non-Conventional Energy |
86 |
104,01 |
94,97 |
85 |
61,73 |
50,53 |
68 |
109,68 |
88,28 |
|
(c) Gas, Steam & Water Supply |
245 |
103,20 |
62,08 |
225 |
363,49 |
267,71 |
204 |
244,53 |
156,30 |
|
16. Construction |
6,661 |
4395,07 |
3349,11 |
6,137 |
12285,73 |
9821,51 |
8,191 |
6357,01 |
5274,67 |
|
III. |
TRANSPORT OPERATORS |
13,060 |
1526,75 |
1166,97 |
14,407 |
2858,80 |
1960,12 |
11,251 |
2207,56 |
1807,13 |
IV. |
PROFESSIONAL AND OTHER SERVICES |
27,972 |
6364,20 |
4946,72 |
18,119 |
6216,68 |
5345,18 |
19,123 |
11520,78 |
8537,70 |
V. |
PERSONAL LOANS |
1,91,941 |
9543,70 |
7570,02 |
1,19,075 |
5572,44 |
4340,57 |
73,539 |
3534,47 |
2672,75 |
1. Loans for Purchase of Consumer Durables |
1,590 |
58,67 |
45,96 |
1,506 |
59,18 |
47,10 |
1,294 |
50,37 |
37,32 |
|
2. Loans for Housing |
49,001 |
3532,21 |
3136,35 |
33,093 |
1886,63 |
1643,01 |
10,545 |
774,20 |
674,78 |
|
3. Rest of the Personal Loans |
1,41,350 |
5952,82 |
4387,70 |
84,476 |
3626,63 |
2650,46 |
61,700 |
2709,89 |
1960,65 |
|
VI. |
TRADE |
58,609 |
8691,18 |
6724,99 |
70,597 |
9773,99 |
7513,80 |
66,121 |
10090,73 |
7965,20 |
1. Wholesale Trade |
18,346 |
3844,32 |
2904,71 |
21,072 |
4541,84 |
3396,28 |
19,770 |
4564,92 |
3599,04 |
|
2. Retail Trade |
40,263 |
4846,86 |
3820,29 |
49,525 |
5232,15 |
4117,52 |
46,351 |
5525,81 |
4366,16 |
|
VII. |
FINANCE |
1,617 |
4546,73 |
3570,67 |
1,177 |
14709,59 |
12949,70 |
1,874 |
15956,86 |
14411,93 |
VIII. |
ALL OTHERS |
32,460 |
6131,53 |
4520,84 |
25,939 |
6309,85 |
4698,69 |
27,313 |
6465,72 |
5016,54 |
TOTAL LOANS AND ADVANCES |
4,97,268 |
97332,85 |
70084,84 |
4,28,272 |
122500,28 |
98723,06 |
3,46,845 |
133499,96 |
106487,91 |
|
OF WHICH : 1. Artisans and Village & Tiny Industries |
6,050 |
826,16 |
648,83 |
4,463 |
389,63 |
316,14 |
3,907 |
326,92 |
267,50 |
|
2. Other Small Scale Industries |
31,286 |
7852,20 |
5999,36 |
26,436 |
5300,69 |
4202,51 |
26,347 |
5906,85 |
4586,11 |