NORTHERN REGION (Contd.)

(Amount in ` Lakh)

OCCUPATION

STATE BANK OF INDIA AND ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN BANKS

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

3,60,587

7265,12

5999,48

4,51,895

12694,76

10958,78

7

3,21

1,91

1. Direct Finance

3,57,018

6836,54

5631,08

4,33,567

9090,91

7785,53

-

-

-1

2. Indirect Finance

3,569

428,58

368,40

18,328

3603,85

3173,24

7

3,21

1,91

II.

INDUSTRY

26,883

17882,94

12937,82

75,057

35042,95

26994,22

383

321,31

229,52

1. Mining & Quarrying

365

98,47

74,19

364

219,56

135,82

-

-

-

2. Food Manufacturing & Processing

6,650

3091,07

2348,67

11,694

3807,30

2781,44

12

6,31

21

(a) Rice Mills, Flour & Dal Mills

1,999

1371,67

1101,30

2,445

1812,74

1295,38

10

6,19

9

(b) Sugar

27

280,01

243,01

26

426,20

275,25

-

-

-

(c) Edible Oils & Vanaspati

399

334,17

172,03

235

386,09

300,03

-

-

-

(d) Tea Processing

12

6,83

6,00

19

32

28

1

4

4

(e) Processing of Fruits & Vegetables

73

25,79

20,81

34

7,31

6,55

-

-

-

(f) Others

4,140

1072,59

805,52

8,935

1174,64

903,95

1

8

8

3. Beverage & Tobacco

107

138,32

105,94

102

270,18

224,22

-

-

-

4. Textiles

5,586

8490,57

5885,19

20,138

8558,08

6355,99

27

21,39

10,95

(a) Cotton Textiles

1,071

2890,92

1926,21

8,599

5072,92

3696,62

22

18,07

7,63

(b) Jute & Other Natural Fibre Textiles

62

22,05

17,38

185

35,22

19,60

-

-

-

(c) Handloom Textiles & Khadi

962

159,91

110,52

1,714

217,41

167,80

-

-

-

(d) Other Textiles & Textile Products

3,491

5417,70

3831,08

9,640

3232,53

2471,97

5

3,32

3,32

5. Paper, Paper Products & Printing

726

682,97

573,96

1,889

828,19

691,69

15

40,18

16,81

6. Woods and Wood Products

565

47,68

40,10

963

63,86

44,93

2

20

20

7. Leather & Leather Products

204

26,10

18,47

814

155,13

108,82

-

-

-

8. Gems and Jewellery

312

93,11

67,14

91

14,10

6,47

-

-

-

9. Rubber & Plastic Products

793

247,66

195,75

1,420

460,64

228,00

3

19

10

10. Chemicals & Chemical Products

898

357,71

262,35

1,088

747,16

579,60

3

28

15

(a) Heavy Industrial Chemicals

67

52,15

41,11

103

272,56

229,78

2

21

8

(b) Fertilisers

32

7,36

5,92

86

4,20

3,09

-

-

-

(c) Drugs & Pharmaceuticals

92

51,54

36,21

190

228,70

148,57

-

-

-

(d) Non-Edible Oils

63

34,73

22,21

10

25,18

24,86

-

-

-

(e) Other Chemicals & Chemical Products

644

211,93

156,90

699

216,53

173,32

1

7

7

11. Petroleum, Coal Products & Nuclear Fuels

70

13,29

10,66

73

1092,44

758,03

1

75

75

12. Manufacture of Cement & Cement Products

518

50,00

41,60

311

41,16

33,30

-

-

-

13. Basic Metals & Metal Products

3,466

2346,43

1715,37

6,573

3541,91

2235,88

40

58,31

35,73

(a) Iron & Steel

1,125

1579,80

1118,57

1,519

2084,99

1193,01

2

1,23

1,23

(b) Non-Ferrous Metals

350

175,17

127,69

216

67,96

49,83

2

8,84

8,84

(c) Metal Products

1,991

591,46

469,10

4,838

1388,96

993,04

36

48,23

25,65

14. Engineering

3,213

859,29

629,48

15,224

1607,79

1153,60

35

15,46

13,06

(a) Heavy Engineering

416

136,61

104,93

608

218,47

161,17

5

2,84

2,68

(b) Light Engineering

1,996

460,68

329,55

12,263

1137,88

803,36

21

9,99

7,97

(c) Electrical Machinery & Goods

654

209,13

153,48

2,095

234,94

174,70

8

2,35

2,13

(d) Electronic Machinery & Goods

147

52,88

41,51

258

16,51

14,37

1

28

28

15. Vehicles, Vehicle Parts & Transport Equipments

1,485

733,41

502,71

3,558

972,30

796,37

59

149,15

124,12

16. Other Industries

1,668

186,52

151,86

7,150

2338,10

1961,57

153

21,00

20,80

17. Electricity, Gas & Water

64

87,26

58,63

93

8141,79

7218,26

-

-

-

(a) Electricity Generation & Transmission

15

80,83

54,67

60

8081,18

7160,87

-

-

-

(b) Non-Conventional Energy

39

2,79

1,42

11

53,42

52,11

-

-

-

(c) Gas, Steam & Water Supply

10

3,64

2,54

22

7,19

5,28

-

-

-

18. Construction

193

333,07

255,76

3,512

2183,25

1680,23

33

8,11

6,66

(a) Other than Infrastructure

56

72,62

27,80

2,315

268,46

247,83

4

3,00

3,00

(b) Infrastructure Construction

137

260,45

227,96

1,197

1914,79

1432,40

29

5,12

3,66

III.

TRANSPORT OPERATORS

2,238

172,83

130,55

4,141

420,34

311,37

14

1,11

1,11

IV.

PROFESSIONAL AND OTHER SERVICES

11,694

1205,54

868,38

71,635

5804,25

4712,54

2,405

180,73

136,63

1. Professional Services

285

101,47

76,53

7,240

827,10

745,88

257

55,48

55,18

2. Tourism, Hotel & Restaurants

415

220,25

163,61

1,040

318,40

260,38

8

4,66

4,66

3. Recreation services

194

24,36

20,60

202

55,04

46,15

10

67

67

4. IT and Telecommunications

77

7,34

6,46

121

13,38

9,26

10

1,45

1,45

5. Others

10,723

852,12

601,19

63,032

4590,34

3650,86

2,120

118,46

74,66

V.

PERSONAL LOANS

2,92,252

7879,81

5942,60

2,70,803

7268,23

5726,87

2,707

102,85

70,57

1. Housing

89,955

4336,79

3465,89

82,718

3912,56

3304,56

221

14,35

12,21

2. Consumer Durables

18,627

119,92

100,00

16,906

149,62

118,34

-

-

-

3. Vehicles

41,229

1091,36

835,37

27,010

548,04

420,64

16

44

6

4. Education

10,664

503,16

267,52

15,126

509,95

367,40

-

-

-

5. Personal Credit Cards

-

-

-

5,337

32,62

21,08

511

15,40

3,00

6. Others

1,31,777

1828,59

1273,82

1,23,706

2115,45

1494,85

1,959

72,66

55,31

VI.

TRADE

41,154

3663,82

2786,76

80,592

6832,17

5714,56

644

206,81

164,95

1. Wholesale Trade

4,033

1229,17

965,85

6,648

3424,52

3107,04

211

36,77

31,30

2. Retail Trade

37,121

2434,65

1820,90

73,944

3407,64

2607,52

433

170,04

133,66

VII.

FINANCE

2,382

65,79

59,34

15,377

772,75

481,16

24

12,95

11,72

VIII.

ALL OTHERS

901

31,86

22,65

38,023

4342,18

3517,57

150

30,14

27,52

TOTAL BANK CREDIT

7,38,091

38167,71

28747,58

10,07,523

73177,62

58417,06

6,334

859,10

643,92

TABLE NO. 5.6 – STATE AND BANK GROUP–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION – MARCH 2010

STATE : PUNJAB

(Amount in ` Lakh)

OCCUPATION

REGIONAL RURAL BANKS

PRIVATE SECTOR BANKS

ALL SCHEDULED COMMERCIAL BANKS

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

1,02,170

1689,22

1473,25

48,665

2375,35

1896,46

9,63,324

24027,67

20329,88

1. Direct Finance

1,01,864

1686,85

1471,28

46,042

1863,77

1469,22

9,38,491

19478,07

16357,10

2. Indirect Finance

306

2,38

1,97

2,623

511,58

427,25

24,833

4549,60

3972,78

II.

INDUSTRY

1,986

13,86

10,55

14,154

2601,27

1803,82

1,18,463

55862,32

41975,92

1. Mining & Quarrying

-

-

-

7

4,72

2,40

736

322,75

212,40

2. Food Manufacturing & Processing

51

56

44

683

227,56

139,72

19,090

7132,79

5270,49

(a) Rice Mills, Flour & Dal Mills

32

20

12

106

107,31

60,23

4,592

3298,11

2457,12

(b) Sugar

-

-

-

4

85

85

57

707,06

519,11

(c) Edible Oils & Vanaspati

-

-

-

21

34,08

23,65

655

754,35

495,71

(d) Tea Processing

-

-

-

19

4,61

3,60

51

11,80

9,92

(e) Processing of Fruits & Vegetables

-

-

-

2

70

25

109

33,81

27,61

(f) Others

19

36

32

531

80,01

51,14

13,626

2327,67

1761,00

3. Beverage & Tobacco

-

-

-

8

5,77

4,97

217

414,27

335,13

4. Textiles

582

1,65

96

6,180

730,38

514,68

32,513

17802,08

12767,78

(a) Cotton Textiles

18

4

2

4,135

321,30

209,10

13,845

8303,25

5839,58

(b) Jute & Other Natural Fibre Textiles

-

-

-

8

1,38

95

255

58,64

37,93

(c) Handloom Textiles & Khadi

546

1,20

71

17

2,78

2,19

3,239

381,31

281,21

(d) Other Textiles & Textile Products

18

40

23

2,020

404,92

302,45

15,174

9058,88

6609,06

5. Paper, Paper Products & Printing

23

10

6

186

269,43

207,44

2,839

1820,87

1489,96

6. Woods and Wood Products

16

12

8

50

5,14

3,91

1,596

116,99

89,22

7. Leather & Leather Products

2

1

-

54

17,09

13,53

1,074

198,33

140,82

8. Gems and Jewellery

1

5

5

52

22,44

21,68

456

129,69

95,34

9. Rubber & Plastic Products

-

-

-

192

67,61

48,07

2,408

776,10

471,92

10. Chemicals & Chemical Products

75

34

32

688

61,90

43,87

2,752

1167,38

886,30

(a) Heavy Industrial Chemicals

-

-

-

15

11,74

7,84

187

336,65

278,81

(b) Fertilisers

74

32

30

13

4,99

2,04

205

16,87

11,34

(c) Drugs & Pharmaceuticals

-

-

-

30

6,89

2,68

312

287,13

187,46

(d) Non-Edible Oils

-

-

-

-

-

-

73

59,91

47,07

(e) Other Chemicals & Chemical Products

1

2

2

630

38,28

31,31

1,975

466,83

361,62

11. Petroleum, Coal Products & Nuclear Fuels

-

-

-

15

8,04

7,12

159

1114,52

776,56

12. Manufacture of Cement & Cement Products

-

-

-

7

54

40

836

91,70

75,30

13. Basic Metals & Metal Products

2

2,02

1,70

1,241

278,59

190,24

11,322

6227,25

4178,91

(a) Iron & Steel

-

-

-

169

188,68

122,11

2,815

3854,70

2434,92

(b) Non-Ferrous Metals

-

-

-

10

8,52

7,71

578

260,49

194,07

(c) Metal Products

2

2,02

1,70

1,062

81,39

60,43

7,929

2112,07

1549,93

14. Engineering

17

23

16

346

82,99

54,83

18,835

2565,76

1851,13

(a) Heavy Engineering

2

13

11

31

14,41

7,36

1,062

372,46

276,26

(b) Light Engineering

3

1

1

212

45,72

32,63

14,495

1654,28

1173,52

(c) Electrical Machinery & Goods

12

9

4

80

9,17

7,49

2,849

455,67

337,83

(d) Electronic Machinery & Goods

-

-

-

23

13,69

7,36

429

83,35

63,52

15. Vehicles, Vehicle Parts & Transport Equipments

512

2,90

2,28

751

193,89

138,40

6,365

2051,65

1563,88

16. Other Industries

663

1,75

1,00

2,213

293,75

179,14

11,847

2841,12

2314,36

17. Electricity, Gas & Water

-

-

-

10

52,13

51,85

167

8281,19

7328,74

(a) Electricity Generation & Transmission

-

-

-

6

51,36

51,15

81

8213,37

7266,69

(b) Non-Conventional Energy

-

-

-

-

-

-

50

56,21

53,53

(c) Gas, Steam & Water Supply

-

-

-

4

77

71

36

11,60

8,53

18. Construction

42

4,13

3,49

1,471

279,31

181,55

5,251

2807,87

2127,69

(a) Other than Infrastructure

41

4,09

3,46

1,318

219,58

137,42

3,734

567,75

419,51

(b) Infrastructure Construction

1

4

3

153

59,73

44,13

1,517

2240,13

1708,18

III.

TRANSPORT OPERATORS

936

4,28

2,96

11,233

795,79

426,90

18,562

1394,34

872,89

IV.

PROFESSIONAL AND OTHER SERVICES

1,343

11,03

7,76

5,449

477,78

310,31

92,526

7679,33

6035,61

1. Professional Services

179

1,61

1,28

451

48,12

29,91

8,412

1033,78

908,79

2. Tourism, Hotel & Restaurants

18

71

59

249

23,19

16,61

1,730

567,22

445,85

3. Recreation services

10

-

-

2

30

15

418

80,37

67,58

4. IT and Telecommunications

-

-

-

30

11,97

9,53

238

34,15

26,71

5. Others

1,136

8,71

5,89

4,717

394,20

254,10

81,728

5963,82

4586,69

V.

PERSONAL LOANS

20,737

172,30

140,85

1,64,252

3584,21

2159,62

7,50,751

19007,40

14040,51

1. Housing

2,164

51,53

45,48

13,121

1099,46

828,29

1,88,179

9414,69

7656,42

2. Consumer Durables

634

5,20

3,63

830

14,84

9,56

36,997

289,57

231,53

3. Vehicles

1,117

13,18

9,77

90,329

1253,81

592,64

1,59,701

2906,82

1858,48

4. Education

98

1,39

99

4,754

191,06

168,52

30,642

1205,56

804,44

5. Personal Credit Cards

-

-

-

2,122

65,98

9,20

7,970

114,00

33,27

6. Others

16,724

101,00

80,97

53,096

959,06

551,42

3,27,262

5076,76

3456,37

VI.

TRADE

8,275

62,00

53,02

12,899

959,35

657,77

1,43,564

11724,14

9377,06

1. Wholesale Trade

581

5,66

4,71

5,940

373,38

254,74

17,413

5069,51

4363,64

2. Retail Trade

7,694

56,34

48,31

6,959

585,96

403,03

1,26,151

6654,64

5013,42

VII.

FINANCE

1,153

12,92

10,00

205

50,36

30,64

19,141

914,78

592,86

VIII.

ALL OTHERS

2,638

25,34

20,26

1,36,585

693,21

430,02

1,78,297

5122,73

4018,02

TOTAL BANK CREDIT

1,39,238

1990,96

1718,65

3,93,442

11537,32

7715,56

22,84,628

125732,70

97242,77