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Table No. 5.3 - Interest Rate Range-Wise Classification of Loans And Advances of Scheduled Commercial Banks According to Occupation March 1998 (Part 1 of 3)

 
 
 
 
 
 
 
 
 
 

(Amount in Rupees Lakh)


     

6% AND ABOVE BUT

10% AND ABOVE BUT

    

LESS THAN 6%


LESS THAN 10%


LESS THAN 12%


OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

    

Accounts

Limit

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

     
 

standing


 
 

standing


 
 

standing


 
 
 
 

1


2


3


4


5


6


7


8


9


I.

AGRICULTURE

38

14,98

14,05

2,047

56,87

50,39

21,264

520,70

403,10

 

1.

Direct Finance

23

21

20

1,501

26,49

26,80

18,846

250,90

212,18

 

2.

Indirect Finance

15

14,77

13,85

546

30,38

23,59

2,418

269,80

190,91

II.

INDUSTRY

102

6,15

4,84

963

481,03

346,89

9,353

2777,66

2306,01

 

1.

Mining & Quarrying

-

-

-

20

5,48

3,75

456

42,93

17,82

 

2.

Food Manufacturing & Processing

-

-

-

101

66,27

31,35

828

244,44

189,96

  

(a)

Rice Mills, Flour & Dal Mills

-

-

-

40

4,30

1,58

309

51,98

39,69

  

(b)

Sugar

-

-

-

2

1,64

1,58

9

29

39

  

(c)

Edible Oils & Vanaspati

-

-

-

5

26

19

130

54,38

35,28

  

(d)

Tea Processing

-

-

-

3

25,26

1,57

22

10,31

9,83

  

(e)

Processing of Fruits & Vegetables

-

-

-

15

2,06

99

21

8,55

8,64

  

(f)

Others

-

-

-

36

32,75

25,44

337

118,92

96,13

 

3.

Beverage & Tobacco

-

-

-

3

1,63

17

49

58,39

57,64

 

4.

Textiles

-

-

-

174

123,09

101,89

1,495

716,31

596,61

  

(a)

Cotton Textiles

-

-

-

40

27,11

25,05

360

139,55

117,03

  

(b)

Jute Textiles

-

-

-

-

-

-

18

14,98

7,93

  

(c)

Handloom Textiles & Khadi

-

-

-

19

36

27

85

9,05

7,18

  

(d)

Other Textiles

-

-

-

115

95,63

76,57

1,032

552,74

464,47

 

5.

Paper, Paper Products & Printing

-

-

-

19

53,21

53,29

325

34,86

32,82

 

6.

Leather & Leather Products

-

-

-

18

15,97

4,35

232

120,60

99,10

 

7.

Rubber & Rubber Products

-

-

-

8

7,77

1,54

136

61,45

49,44

 

8.

Chemicals & Chemical Products

-

-

-

39

28,58

24,96

551

226,87

188,85

  

(a)

Heavy Industrial Chemicals

-

-

-

3

68

12

56

58,50

51,99

  

(b)

Fertilisers

-

-

-

-

-

-

12

5,39

5,44

  

(c)

Drugs & Pharmaceuticals

-

-

-

9

9,59

9,07

117

106,78

81,96

  

(d)

Non-Edible Oils

-

-

-

3

1,88

74

8

53

25

  

(e)

Other Chemicals & Chemical Products

-

-

-

24

16,43

15,04

358

55,67

49,22

 

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

17

23,91

17,96

59

69,60

63,54

 

10.

Manufacture of Cement & Cement Products

-

-

-

3

4

5

83

5,31

4,74

 

11.

Basic Metals & Metal Products

-

-

-

79

49,26

31,07

695

178,30

130,96

  

(a)

Iron & Steel

-

-

-

32

29,65

26,50

170

132,08

90,90

  

(b)

Non-Ferrous Metals

-

-

-

14

62

62

42

14,15

13,55

  

(c)

Other Metal Products

-

-

-

33

18,99

3,94

483

32,06

26,51

 

12.

Engineering

-

-

-

69

52,56

34,05

751

319,68

277,98

  

(a)

Heavy Engineering

-

-

-

12

11,31

7,67

136

37,78

32,56

  

(b)

Light Engineering

-

-

-

29

10,68

2,31

305

49,27

46,66

  

(c)

Electrical Machinery & Goods

-

-

-

14

28,50

22,45

212

68,53

46,24

  

(d)

Electronic Machinery & Goods

-

-

-

14

2,08

1,62

98

164,10

152,52

 

13.

Vehicles, Vehicle Parts & Transport Equipments

-

-

-

33

6,62

5,85

276

49,58

47,59

 

14.

Other Industries

91

1,22

78

256

15,01

12,66

2,899

532,59

458,18

 

15.

Electricity, Gas & Water

-

-

-

108

4,93

4,50

238

26,13

19,22

  

(a)

Electricity Generation & Transmission

-

-

-

107

4,92

4,49

181

24,55

18,19

  

(b)

Non-Conventional Energy

-

-

-

1

1

1

32

1,14

84

  

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

25

45

20

 

16.

Construction

11

4,93

4,06

16

26,70

19,44

280

90,62

71,57

III.

TRANSPORT OPERATORS

20

21

11

841

7,51

5,88

2,468

36,33

29,06

IV.

PROFESSIONAL AND OTHER SERVICES

12

14

13

157

14,58

11,46

2,971

157,60

125,31

V.

PERSONAL LOANS

2,67,837

2976,28

2602,39

54,264

479,96

410,37

1,54,601

2506,70

2306,77

 

1.

Loans for Purchase of Consumer Durables

-

-

-

-

-

-

-

-

-

 

2.

Loans for Housing

2,53,041

2869,82

2508,21

22,617

276,92

240,48

1,29,384

2341,20

2166,46

 

3.

Rest of the Personal Loans

14,796

106,46

94,18

31,647

203,03

169,88

25,217

165,50

140,30

VI.

TRADE

-

-

-

528

96,22

80,27

5,763

509,10

369,78

 

1.

Wholesale Trade

-

-

-

180

77,31

60,86

1,530

393,37

279,45

 

2.

Retail Trade

-

-

-

348

18,91

19,41

4233

115,73

90,34

VII.

FINANCE

141

26,06

17,44

332

146,35

122,74

399

139,95

131,85

VIII.


ALL OTHERS


119


79,84


53,20


1,055


66,58


61,37


3,577


296,78


268,24


TOTAL LOANS AND ADVANCES

2,68,269

3103,67

2692,16

60,187

1349,09

1089,38

2,00,396

6944,82

5940,12

OF WHICH:

1. Artisans & Village Industries

78

61

53

55

56

51

1,526

14,53

13,76

 
 
 

2. Other Small Scale Industries


6


6


5


400


72,36


57,11


3,597


552,68


451,64


 
 
 
 
 
 
    

12% AND ABOVE BUT

14% AND ABOVE BUT

    

LESS THAN 14%


LESS THAN 15%


OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

    

Accounts


Limit


Outstanding


Accounts


Limit


Outstanding


 
 
 
 

10


11


12


13


14


15


I.

AGRICULTURE

4,59,186

4888,16

4184,70

5,26,378

6379,03

5091,25

 

1.

Direct Finance

4,42,603

4131,24

3566,10

5,05,798

5075,23

4227,04

 

2.

Indirect Finance

16,583

756,92

618,60

20,580

1303,81

864,21

II.

INDUSTRY

2,03,060

20348,63

16481,52

2,36,394

16488,57

13140,69

 

1.

Mining & Quarrying

3,177

392,38

322,77

3,998

501,70

395,95

 

2.

Food Manufacturing & Processing

21,561

2363,40

1854,91

28,390

725,64

551,31

  

(a)

Rice Mills, Flour & Dal Mills

8,477

477,54

438,15

12,122

144,30

112,63

  

(b)

Sugar

172

56,25

55,91

304

163,17

135,06

  

(c)

Edible Oils & Vanaspati

4,210

574,13

424,90

5,581

122,83

106,32

  

(d)

Tea Processing

167

159,87

93,21

117

26,17

17,12

  

(e)

Processing of Fruits & Vegetables

642

52,75

39,36

467

16,19

12,37

  

(f)

Others

7,893

1042,86

803,39

9,799

252,97

167,81

 

3.

Beverage & Tobacco

1,245

246,95

279,39

1,225

49,82

37,56

 

4.

Textiles

30,579

5172,18

4153,80

32,077

1616,21

1271,42

  

(a)

Cotton Textiles

6,962

2114,23

1672,22

7,167

709,36

612,58

  

(b)

Jute Textiles

325

76,07

52,29

447

10,82

9,39

  

(c)

Handloom Textiles & Khadi

2,722

103,00

84,91

3,309

49,44

42,14

  

(d)

Other Textiles

20,570

2878,88

2344,37

21,154

846,59

607,31

 

5.

Paper, Paper Products & Printing

8,656

238,55

213,63

10,074

399,03

324,67

 

6.

Leather & Leather Products

3,831

842,61

687,76

3,999

81,10

61,55

 

7.

Rubber & Rubber Products

1,988

208,12

154,39

2,127

221,74

183,85

 

8.

Chemicals & Chemical Products

10,784

1879,09

1396,91

11,754

1843,36

1491,17

  

(a)

Heavy Industrial Chemicals

638

261,43

193,65

704

217,13

172,11

  

(b)

Fertilisers

138

131,91

100,77

238

704,37

556,46

  

(c)

Drugs & Pharmaceuticals

1,951

706,88

529,11

1,904

319,11

258,02

  

(d)

Non-Edible Oils

358

98,60

86,00

308

56,60

55,89

  

(e)

Other Chemicals & Chemical Products

7,699

680,27

487,38

8,600

546,14

448,67

 

9.

Petroleum, Coal Products & Nuclear Fuels

882

538,69

476,27

1,166

2543,75

1856,78

 

10.

Manufacture of Cement & Cement Products

1,877

173,00

145,45

2,643

428,22

399,72

 

11.

Basic Metals & Metal Products

16,472

2442,10

2030,53

18,691

2768,51

2245,84

  

(a)

Iron & Steel

2,937

1713,91

1451,90

3,309

2367,87

1910,30

  

(b)

Non-Ferrous Metals

670

129,09

90,83

659

72,65

58,59

  

(c)

Other Metal Products

12,865

599,10

487,80

14,723

328,00

276,96

 

12.

Engineering

18,424

1807,22

1387,29

20,992

2130,95

1650,91

  

(a)

Heavy Engineering

2,087

736,06

598,53

2,563

1123,64

793,72

  

(b)

Light Engineering

8,123

334,45

249,53

9,018

398,89

344,57

  

(c)

Electrical Machinery & Goods

4,366

404,70

287,55

5,142

350,28

297,81

  

(d)

Electronic Machinery & Goods

3,848

332,00

251,69

4,269

258,14

214,81

 

13.

Vehicles, Vehicle Parts & Transport Equipments

6,376

621,99

484,09

7,629

1110,32

921,21

 

14.

Other Industries

71,173

2614,93

2175,77

84,741

1225,74

1063,75

 

15.

Electricity, Gas & Water

2,205

583,20

531,06

2,515

590,44

466,15

  

(a)

Electricity Generation & Transmission

1,664

576,88

526,12

2,203

426,96

331,78

  

(b)

Non-Conventional Energy

107

72

59

82

1,09

87

  

(c)

Gas, Steam & Water Supply

434

5,60

4,35

230

162,39

133,50

 

16.

Construction

3,830

224,22

187,50

4,373

252,04

218,85

III.

TRANSPORT OPERATORS

95,768

988,65

814,84

97,776

1098,51

856,11

IV.

PROFESSIONAL AND OTHER SERVICES

74,608

1111,18

898,08

79,350

1310,25

1071,72

V.

PERSONAL LOANS

5,02,555

4365,99

3639,48

4,19,153

3861,20

3279,68

 

1.

Loans for Purchase of Consumer Durables

7,433

54,87

45,65

6,321

52,00

45,53

 

2.

Loans for Housing

91,323

1354,92

1200,01

78,974

1191,65

1024,76

 

3.

Rest of the Personal Loans

4,03,799

2956,20

2393,82

3,33,858

2617,55

2209,38

VI.

TRADE

2,80,382

5654,01

4475,30

2,97,336

12219,93

10964,23

 

1.

Wholesale Trade

30,784

2968,60

2283,12

32,838

9757,78

8912,49

 

2.

Retail Trade

2,49,598

2685,41

2192,18

2,64,498

2462,15

2051,74

VII.

FINANCE

3,539

1585,76

1392,23

2,372

1625,92

1435,04

VIII.ALL OTHERS


32,588


2572,28


2225,43


35,091


3068,30


2757,23


TOTAL LOANS AND ADVANCES

16,51,686

41514,66

34111,57

16,93,850

46051,71

38595,93

OF WHICH:

1. Artisans & Village Industries

28,457

179,37

158,23

35,128

228,12

206,09

 
 
 

2. Other Small Scale Industries


96,450


3973,58


3303,48


1,14,251


1709,72


1491,26


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