(Amount in ` Billion)

I. AGRICULTURE

12880806

1588.11

1207.77

23138746

3492.79

2964.78

1. Direct Finance

12715603

1421.92

1093.29

21108275

2651.22

2308.86

2. Indirect Finance

165203

166.20

114.48

2030471

841.57

655.92

II. INDUSTRY

630363

7391.74

4896.65

2134160

17465.57

10905.97

1. Mining & Quarrying

7124

217.98

135.72

10671

376.93

259.51

2. Food Manufacturing & Processing

110134

518.11

399.46

141832

1267.35

733.89

(a) Rice Mills, Flour & Dal Mills

33528

169.30

138.69

44156

271.90

132.87

(b) Sugar

824

106.81

80.12

1548

299.91

209.68

(c) Edible Oils & Vanaspati

21883

75.15

57.52

10147

111.51

66.33

(d) Tea Processing

358

5.01

3.99

1467

12.49

7.96

(e) Processing of Fruits & Vegetables

1608

12.44

9.46

4446

234.76

122.29

(f) Others

51933

149.40

109.68

80068

336.78

194.75

3. Beverage & Tobacco

2536

58.30

43.27

4216

108.21

85.84

4. Textiles

177494

787.72

558.30

743592

2877.19

1066.30

(a) Cotton Textiles

27543

379.99

271.92

97936

1263.59

548.96

(b) Jute & Other Natural Fibre Textiles

2611

5.07

3.81

6259

71.95

12.50

(c) Handloom Textiles & Khadi

13017

13.43

9.37

21494

30.08

14.40

(d) Other Textiles & Textile Products

134323

389.23

273.20

617903

1511.57

490.43

5. Paper, Paper Products & Printing

14852

130.93

92.42

39775

233.39

169.41

6. Woods and Wood Products

17329

19.41

14.70

29231

40.91

32.14

7. Leather & Leather Products

7765

29.24

22.95

55707

205.84

61.88

8. Gems and Jewellery

12167

169.70

135.13

57900

509.77

211.68

9. Rubber & Plastic Products

12200

125.38

94.85

39305

232.88

165.69

10. Chemicals & Chemical Products

23344

491.00

335.67

47372

835.63

459.98

(a) Heavy Industrial Chemicals

2252

71.31

50.78

4855

129.77

76.79

(b) Fertilisers

691

103.97

67.00

1425

118.08

69.62

(c) Drugs & Pharmaceuticals

6448

145.32

107.13

12867

369.56

169.34

(d) Non-Edible Oils

885

17.03

12.65

726

11.97

7.91

(e) Other Chemicals & Chemical Products

13068

153.37

98.11

27499

206.24

136.31

11. Petroleum, Coal Products & Nuclear Fuels

1156

421.89

224.77

2751

471.54

352.02

12. Manufacture of Cement & Cement Products

10351

112.89

91.30

13010

242.21

180.91

13. Basic Metals & Metal Products

41127

1296.19

868.12

271492

2507.52

1541.35

(a) Iron & Steel

11212

946.42

666.85

20241

1824.43

1133.39

(b) Non-Ferrous Metals

5060

295.56

161.44

5271

252.49

179.76

(c) Metal Products

24855

54.20

39.82

245980

430.60

228.19

14. Engineering

69549

516.77

396.61

160213

925.65

686.97

(a) Heavy Engineering

4705

79.85

61.61

11634

148.11

111.33

(b) Light Engineering

38937

191.49

148.45

102898

359.67

266.94

(c) Electrical Machinery & Goods

21015

154.17

113.92

36614

279.27

198.91

(d) Electronic Machinery & Goods

4892

91.26

72.64

9067

138.59

109.79

15. Vehicles,Vehicle Parts & Transport Equipments

7979

173.56

121.43

62459

404.55

257.11

16. Other Industries

95011

152.42

110.36

259217

478.02

342.26

17. Electricity, Gas & Water

2000

892.01

426.84

5781

2576.54

1920.89

(a) Electricity Generation & Transmission

887

834.57

390.00

3252

2360.57

1750.43

(b) Non-Conventional Energy

257

30.89

22.94

975

109.06

83.28

(c) Gas, Steam & Water Supply

856

26.55

13.90

1554

106.91

87.19

18. Construction

18245

1278.24

824.75

189636

3171.46

2378.14

(a) Other than Infrastructure

13044

130.25

93.67

178292

672.78

543.33

(b) Infrastructure Construction

5201

1148.00

731.08

11344

2498.68

1834.81

III. TRANSPORT OPERATORS

127272

215.65

163.44

327658

785.57

568.37

IV. PROFESSIONAL AND OTHER SERVICES

182155

544.12

369.76

1183457

2714.76

2074.30

1. Professional Services

10926

11.93

9.45

230355

205.60

147.45

2. Tourism, Hotel & Restaurants

22844

132.39

85.88

80171

330.70

232.32

3. Recreation services

6463

14.06

9.83

21322

81.72

68.43

4. IT and Telecommunications

2468

26.94

21.11

6875

511.00

391.80

5. Others

139454

358.81

243.48

844734

1585.74

1234.29

V. PERSONAL LOANS

9895674

3339.48

2419.87

9534119

3455.86

2754.80

1. Housing

2243611

1760.16

1319.08

2605745

1733.10

1459.69

2. Consumer Durables

98089

4.34

2.08

226052

29.86

24.98

3. Vehicles

1077192

343.00

240.23

830653

226.56

170.09

4. Education

803494

234.45

171.79

1547194

356.31

300.89

5. Personal Credit Cards

1384

0.15

0.10

6. Others

5673288

997.53

686.70

4323091

1109.87

799.05

VI. TRADE

1258804

2287.53

979.60

3857826

3725.64

2566.17

1. Wholesale Trade

80598

1718.22

582.40

302027

1481.16

960.26

2. Retail Trade

1178206

569.31

397.20

3555799

2244.48

1605.91

VII. FINANCE

30400

512.78

408.91

177562

4308.14

2606.53

VIII. ALL OTHERS

113700

26.34

19.88

1440585

2222.71

710.79

TOTAL BANK CREDIT

25119174

15905.76

10465.88

41794113

38171.05

25151.71

Note : 1. Data reported here cover all bank branches in India and include bills rediscounted under the New Bill Market Scheme and also dues from banks.
2. $ Includes IDBI Bank Ltd.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 41, March 2012, RBI.

TABLE 5.1 : BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION – 2012 (Contd.)

(Amount in ` Billion)

I. AGRICULTURE

249

34.51

7.41

11672000

687.39

614.81

1. Direct Finance

108

15.55

1.19

11526472

661.89

593.92

2. Indirect Finance

141

18.96

6.22

145528

25.50

20.89

II. INDUSTRY

34297

3030.83

1079.04

461694

34.93

28.44

1. Mining & Quarrying

559

59.33

33.66

826

1.40

1.26

2. Food Manufacturing & Processing

1441

107.25

38.04

111593

5.17

4.06

(a) Rice Mills, Flour & Dal Mills

784

27.76

7.73

64275

2.08

1.61

(b) Sugar

32

14.14

9.23

17

0.10

0.10

(c) Edible Oils & Vanaspati

96

22.64

5.13

5862

0.35

0.18

(d) Tea Processing

7

0.18

0.03

294

0.02

0.02

(e) Processing of Fruits & Vegetables

42

0.32

0.25

207

0.12

0.09

(f) Others

480

42.21

15.67

40938

2.51

2.05

3. Beverage & Tobacco

310

62.16

30.78

123

0.09

0.08

4. Textiles

3344

167.44

40.84

30026

2.18

1.80

(a) Cotton Textiles

1066

45.96

13.44

3120

0.57

0.48

(b) Jute & Other Natural Fibre Textiles

32

2.20

0.06

1162

0.09

0.07

(c) Handloom Textiles & Khadi

26

1.51

0.01

12287

0.64

0.50

(d) Other Textiles & Textile Products

2220

117.77

27.33

13457

0.88

0.74

5. Paper, Paper Products & Printing

1138

269.29

37.55

9793

0.66

0.51

6. Woods and Wood Products

31

0.43

0.32

6210

0.36

0.30

7. Leather & Leather Products

280

16.20

4.47

8341

0.25

0.16

8. Gems and Jewellery

572

81.59

51.64

49467

1.77

1.87

9. Rubber & Plastic Products

1329

48.33

23.16

3382

0.18

0.16

10. Chemicals & Chemical Products

4411

501.56

181.29

2055

0.31

0.25

(a) Heavy Industrial Chemicals

759

60.74

17.50

20

0.03

0.02

(b) Fertilisers

72

22.09

8.05

811

0.06

0.04

(c) Drugs & Pharmaceuticals

1629

257.82

102.13

476

0.04

0.03

(d) Non-Edible Oils

2

0.16

0.02

5

0.00

0.00

(e) Other Chemicals & Chemical Products

1949

160.74

53.59

743

0.18

0.15

11. Petroleum, Coal Products & Nuclear Fuels

217

191.22

58.55

19

0.02

0.01

12. Manufacture of Cement & Cement Products

134

20.94

10.59

2140

0.26

0.23

13. Basic Metals & Metal Products

3649

334.70

125.55

2990

0.49

0.40

(a) Iron & Steel

989

102.10

46.77

146

0.13

0.09

(b) Non-Ferrous Metals

430

119.92

38.85

14

0.01

0.01

(c) Metal Products

2230

112.69

39.93

2830

0.34

0.29

14. Engineering

3840

386.47

157.80

6916

1.31

1.07

(a) Heavy Engineering

618

79.46

42.02

210

0.13

0.10

(b) Light Engineering

1443

102.94

35.92

2135

0.39

0.29

(c) Electrical Machinery & Goods

1412

137.50

45.40

2735

0.65

0.57

(d) Electronic Machinery & Goods

367

66.57

34.46

1836

0.14

0.11

15. Vehicles,Vehicle Parts & Transport Equipments

1998

326.41

101.97

15731

1.18

0.95

16. Other Industries

2607

142.71

26.29

193044

10.24

7.58

17. Electricity, Gas & Water

69

28.44

13.02

372

0.35

0.30

(a) Electricity Generation & Transmission

43

18.10

10.77

20

0.01

0.01

(b) Non-Conventional Energy

7

0.59

0.34

329

0.33

0.29

(c) Gas, Steam & Water Supply

19

9.74

1.92

23

0.01

0.01

18. Construction

8368

286.34

143.53

18666

8.71

7.43

(a) Other than Infrastructure

891

91.87

38.71

17683

7.96

6.75

(b) Infrastructure Construction

7477

194.47

104.82

983

0.75

0.68

III. TRANSPORT OPERATORS

16173

93.52

24.54

102607

18.71

14.84

IV. PROFESSIONAL AND OTHER SERVICES

16267

1197.88

374.89

506611

31.00

26.02

1. Professional Services

3280

88.96

44.98

136567

6.09

5.14

2. Tourism, Hotel & Restaurants

349

19.38

11.29

80262

4.27

4.13

3. Recreation services

129

32.23

12.77

2288

0.11

0.09

4. IT and Telecommunications

546

470.84

153.49

115

0.06

0.05

5. Others

11963

586.47

152.36

287379

20.47

16.61

V. PERSONAL LOANS

9287900

793.30

448.47

2441210

222.86

178.28

1. Housing

437185

241.30

201.50

286136

60.23

49.65

2. Consumer Durables

4265

2.13

0.75

316640

27.03

20.17

3. Vehicles

6508

0.57

0.75

115321

15.22

12.27

4. Education

8

0.00

0.00

78851

11.47

10.22

5. Personal Credit Cards

4863525

417.01

80.85

6. Others

3976409

132.30

164.63

1644262

108.91

85.97

VI. TRADE

8856

491.69

148.08

1794689

99.95

80.36

1. Wholesale Trade

4576

359.20

95.67

154463

9.13

7.95

2. Retail Trade

4280

132.50

52.41

1640226

90.81

72.41

VII. FINANCE

41813

910.94

264.44

566803

58.12

41.37

VIII. ALL OTHERS

5573

202.33

38.86

3182448

397.52

179.80

TOTAL BANK CREDIT

9411128

6755.00

2385.74

20728062

1550.47

1163.90

Note : Data reported here cover all bank branches in India and include bills rediscounted under the New Bill Market Scheme and also dues from banks.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 41, March 2012, RBI.

TABLE 5.1 : BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED
COMMERCIAL BANKS ACCORDING TO OCCUPATION – 2012 (Concld.)

(Amount in ` Billion)

I. AGRICULTURE

4139384

1023.08

824.58

51831185

6825.88

5619.35

1. Direct Finance

4037994

839.30

689.51

49388452

5589.87

4686.78

2. Indirect Finance

101390

183.78

135.07

2442733

1236.01

932.57

II. INDUSTRY

318366

4532.85

2509.55

3578880

32455.92

19419.65

1. Mining & Quarrying

3121

122.77

86.27

22301

778.40

516.41

2. Food Manufacturing & Processing

20011

253.09

184.20

385011

2150.97

1359.64

(a) Rice Mills, Flour & Dal Mills

3774

54.89

37.03

146517

525.93

317.94

(b) Sugar

212

22.60

16.52

2633

443.56

315.64

(c) Edible Oils & Vanaspati

1506

38.35

28.22

39494

247.99

157.38

(d) Tea Processing

1026

4.23

1.71

3152

21.93

13.72

(e) Processing of Fruits & Vegetables

459

5.90

3.64

6762

253.54

135.74

(f) Others

13034

127.12

97.07

186453

658.03

419.22

3. Beverage & Tobacco

864

42.67

28.31

8049

271.43

188.29

4. Textiles

44965

310.06

196.21

999421

4144.58

1863.45

(a) Cotton Textiles

10269

147.78

95.32

139934

1837.89

930.14

(b) Jute & Other Natural Fibre Textiles

412

3.78

2.64

10476

83.09

19.09

(c) Handloom Textiles & Khadi

11174

4.72

3.49

57998

50.37

27.77

(d) Other Textiles & Textile Products

23110

153.78

94.75

791013

2173.23

886.45

5. Paper, Paper Products & Printing

6618

94.92

59.57

72176

729.19

359.45

6. Woods and Wood Products

3563

16.64

11.01

56364

77.76

58.47

7. Leather & Leather Products

2212

16.21

10.24

74305

267.74

99.71

8. Gems and Jewellery

2347

59.63

47.94

122453

822.45

448.26

9. Rubber & Plastic Products

5663

91.45

52.49

61879

498.23

336.35

10. Chemicals & Chemical Products

8218

261.36

149.98

85400

2089.86

1127.17

(a) Heavy Industrial Chemicals

1213

43.84

28.58

9099

305.69

173.68

(b) Fertilisers

205

30.25

20.19

3204

274.46

164.91

(c) Drugs & Pharmaceuticals

1813

91.35

51.97

23233

864.09

430.60

(d) Non-Edible Oils

90

1.95

1.47

1708

31.12

22.06

(e) Other Chemicals & Chemical Products

4897

93.97

47.77

48156

614.50

335.93

11. Petroleum, Coal Products & Nuclear Fuels

735

143.02

70.94

4878

1227.69

706.28

12. Manufacture of Cement & Cement Products

1955

61.81

43.89

27590

438.11

326.93

13. Basic Metals & Metal Products

11182

426.58

252.55

330440

4565.47

2787.96

(a) Iron & Steel

5154

284.89

162.82

37742

3157.97

2009.93

(b) Non-Ferrous Metals

1224

53.23

31.20

11999

721.20

411.27

(c) Metal Products

4804

88.46

58.53

280699

686.30

366.77

14. Engineering

68037

688.10

187.30

308555

2518.30

1429.75

(a) Heavy Engineering

3474

71.24

45.27

20641

378.79

260.33

(b) Light Engineering

50949

119.91

66.81

196362

774.41

518.41

(c) Electrical Machinery & Goods

12209

414.95

49.06

73985

986.54

407.85

(d) Electronic Machinery & Goods

1405

82.00

26.16

17567

378.57

243.17

15. Vehicles,Vehicle Parts & Transport Equipments

23047

243.35

136.56

111214

1149.06

618.02

16. Other Industries

28978

184.98

82.75

578857

968.38

569.24

17. Electricity, Gas & Water

1039

429.57

204.87

9261

3926.91

2565.94

(a) Electricity Generation & Transmission

461

398.73

179.40

4663

3611.99

2330.60

(b) Non-Conventional Energy

254

18.07

14.48

1822

158.95

121.33

(c) Gas, Steam & Water Supply

324

12.76

10.99

2776

155.97

114.01

18. Construction

85811

1086.64

704.48

320726

5831.40

4058.34

(a) Other than Infrastructure

66707

356.10

233.68

276617

1258.96

916.14

(b) Infrastructure Construction

19104

730.54

470.81

44109

4572.44

3142.20

III. TRANSPORT OPERATORS

584607

637.09

407.85

1158317

1750.53

1179.04

IV. PROFESSIONAL AND OTHER SERVICES

506110

1390.40

822.07

2394600

5878.17

3667.04

1. Professional Services

83680

109.08

59.23

464808

421.66

266.25

2. Tourism, Hotel & Restaurants

22746

196.24

119.57

206372

682.97

453.19

3. Recreation services

1654

76.93

56.83

31856

205.06

147.95

4. IT and Telecommunications

1882

83.34

59.49

11886

1092.18

625.95

5. Others

396148

924.82

526.96

1679678

3476.31

2173.70

V. PERSONAL LOANS

23548984

3048.85

1700.08

54707887

10860.35

7501.51

1. Housing

916069

989.56

757.53

6488746

4784.34

3787.44

2. Consumer Durables

605197

37.36

25.49

1250243

100.72

73.47

3. Vehicles

3164151

479.91

280.31

5193825

1065.27

703.66

4. Education

217904

71.89

37.16

2647451

674.12

520.05

5. Personal Credit Cards

13811285

814.86

140.85

18676194

1232.02

221.79

6. Others

4834378

655.28

458.75

20451428

3003.89

2195.09

VI. TRADE

904172

1253.57

913.01

7824347

7858.38

4687.22

1. Wholesale Trade

237334

625.84

452.44

778998

4193.55

2098.73

2. Retail Trade

666838

627.73

460.57

7045349

3664.83

2588.49

VII. FINANCE

345405

1274.14

766.98

1161983

7064.12

4088.22

VIII. ALL OTHERS

3481792

1323.78

921.32

8224098

4172.69

1870.64

TOTAL BANK CREDIT

33828820

14483.76

8865.43

130881297

76866.05

48032.67

Note : Data reported here cover all bank branches in India and include bills rediscounted under the New Bill Market Scheme and also dues from banks.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 41, March 2012, RBI.