Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of
Scheduled Commercial Banks According to Occupation - March 1996

NORTHERN REGION

(Amount in Rupees Lakh)

STATE BANK OF INDIA

NATIONALISED BANKS

FOREIGN BANKS

AND ITS ASSOCIATES

OCCUPATION

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

27,078

671,80

590,23

14,985

396,35

287,00

36

12,83

12,94

1.

Direct Finance

26,277

313,01

239,75

11,542

114,13

117,38

19

51

51

2.

Indirect Finance

801

358,79

350,48

3,443

282,21

169,63

17

12,32

12,43

II.

INDUSTRY

29,990

5519,41

4629,22

32,395

6552,34

5303,38

3,058

3208,56

2564,43

1.

Mining & Quarrying

455

23,11

20,16

90

61,07

55,55

4

6

5

2.

Food Manufacturing and Processing

730

240,88

171,64

569

284,17

238,96

101

387,64

306,31

(a)

Rice Mills, Flour and Dal Mills

216

72,75

31,61

134

55,78

43,09

7

11,29

2,95

(b)

Sugar

19

114,89

98,86

16

35,18

29,18

4

7,26

5,80

(c)

Edible Oils and Vanaspati

240

24,51

15,26

55

55,12

46,90

11

5,73

4,22

(d)

Tea Processing

1

15

6

4

2,77

1,82

1

3

3

(e)

Processing of Fruits & Vegetables

12

21

37

32

18,71

13,31

2

31

13

(f)

Others

242

28,37

25,47

328

116,61

104,66

76

363,03

293,19

3.

Beverage and Tobacco

40

21,48

21,07

65

71,75

76,73

26

31,51

15,57

4.

Textiles

2,306

485,67

410,94

4,864

134461

1064,04

203

224,99

172,92

(a)

Cotton Textiles

756

110,68

91,22

555

168,67

124,84

72

97,35

73,73

(b)

Jute Textiles

9

46

48

28

3,67

3,47

3

5

5

(c)

Handloom Textiles & Khadi

227

7,39

4,65

91

4,88

4,43

8

57

30

(d)

Other Textiles

1,314

367,14

314,59

4,190

1167,40

931,30

120

127,02

98,84

5.

Paper, Paper Products and Printing

837

67,94

60,79

2,130

235,15

193,84

78

205,04

191,31

6.

Leather and Leather Products

437

51,90

37,89

845

361,46

275,11

34

22,91

15,10

7.

Rubber and Rubber Products

375

106,13

89,14

737

142,20

122,11

56

94,46

83,52

8.

Chemicals and Chemical Products

1,872

661,01

578,70

2,542

837,88

642,99

249

413,08

306,64

(a)

Heavy Industrial Chemicals

157

34,52

29,50

182

45,27

37,77

33

96,30

54,50

(b)

Fertilizers

82

199,57

170,63

71

176,41

133,51

5

2,23

3,23

(c)

Drugs and Pharmaceuticals

813

292,52

264,21

474

380,52

278,09

111

214,16

172,09

(d)

Non-Edible Oils

26

3,68

1,40

28

4,14

3,46

9

15,91

15,53

(e)

Other Chemicals & Chemical Products

794

130,71

112,96

1,787

231,54

190,17

91

84,48

61,28

9.

Petroleum, Coal Products & Nuclear Fuels

302

47,56

38,05

112

8,07

6,59

20

47,98

23,21

10.

Manufacture of Cement & Cement Products

113

90,28

74,87

101

85,28

76,71

40

93,35

79,47

11.

Basic Metals & Metal Products

2,110

1558,58

1300,52

2,863

844,73

712,46

100

185,26

162,55

(a)

Iron and Steel

757

1466,04

1231,37

1,028

566,72

497,38

61

107,72

103,67

(b)

Non-Ferrous Metals

115

19,52

10,39

316

71,86

53,13

17

1,04

1,05

(c)

Other Metal Products

1,238

73,02

58,76

1,519

206,15

161,95

22

76,50

57,83

12.

Engineering

2,786

888,70

783,31

4,481

1145,66

893,22

372

820,51

673,94

(a)

Heavy Engineering

572

76,19

42,77

342

268,44

190,55

76

147,54

93,29

(b)

Light Engineering

923

102,62

72,88

1,430

225,25

196,51

147

218,55

188,42

(c)

Electrical Machinery & Goods

729

157,33

140,36

1,623

259,48

223,11

35

90,25

69,74

(d)

Electronic Machinery & Goods

562

552,56

527,29

1,086

392,49

283,04

114

364,17

322,49

13.

Vehicles, Vehicle Parts & Transport Equipments

573

194,75

126,47

1,275

246,69

185,55

145

219,38

161,94

14.

Other Industries

11,166

550,08

453,00

10,716

479,55

397,82

1,582

292,58

242,39

15.

Electricity, Gas & Water

5,761

223,45

161,69

316

171,85

136,97

23

21,07

9,84

(a)

Electricity Generation & Transmission

5,754

222,96

161,26

282

163,16

129,87

6

10,14

4,74

(b)

Non-Conventional Energy

7

49

42

10

40

34

3

9,31

3,53

(c)

Gas, Steam & Water Supply

-

-

-

24

8,29

6,76

14

1,62

1,57

16.

Construction

127

307,88

300,97

689

232,22

224,73

25

148,74

119,67

III.

TRANSPORT OPERATORS

5,023

73,99

57,01

7,304

162,82

124,75

52

25,14

22,00

IV.

PROFESSIONAL AND OTHER SERVICES

2,392

114,32

81,10

14,336

578,77

496,34

384

443,69

213,47

V.

PERSONAL LOANS

83,010

409,21

356,90

1,91,008

890,72

800,34

2,24,045

557,79

403,90

1.

Loans for Purchase of Consumer Durables

8,525

14,61

12,52

5,206

13,61

11,91

384

9,17

9,17

2.

Loans for Housing

7,268

105,39

98,43

18,923

306,62

285,42

1,055

30,88

26,91

3.

Rest of the Personal Loans

67,217

289,21

245,95

1,66,879

570,50

503,02

2,22,606

517,75

367,82

VI.

TRADE

19,010

2203,47

1710,52

40,973

2443,52

2066,20

1,663

154,62

112,09

1.

Wholesale Trade

5,261

2077,35

1608,61

9,486

2074,45

1767,44

151

138,56

96,73

2.

Retail Trade

13,749

126,12

101,91

31,487

369,07

298,77

1,512

16,07

15,36

VII.

FINANCE

390

65,11

57,19

1,027

533,44

421,18

91

179,20

130,86

VIII.

ALL OTHERS

19,421

1036,51

934,39

1,07,294

1162,10

987,51

9,850

764,27

629,26

TOTAL BANK CREDIT

1,86,314

10093,83

8416,57

4,09,322

12720,05

10486,71

2,39,179

5346,10

4088,94

OF WHICH :

1. Artisans & Village Industries

378

4,72

3,06

1,344

10,46

8,57

8

12

12

2. Other Small Scale Industries

14,730

719,69

618,58

19,093

1573,14

1246,31

122

100,23

80,15

REGIONAL RURAL BANKS

OTHER SCHEDULED

ALL SCHEDULED

COMMERCIAL BANKS

COMMERCIAL BANKS

OCCUPATION

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

-

-

-

23

1,42

90

42,122

1082,40

891,07

1.

Direct Finance

-

-

-

16

35

30

37,854

428,01

357,93

2.

Indirect Finance

-

-

-

7

1,07

60

4,268

654,39

533,13

II.

INDUSTRY

7

21

20

2,389

714,90

601,60

67,839

15995,42

13098,84

1.

Mining & Quarrying

-

-

-

8

5,32

6,01

557

89,55

81,77

2.

Food Manufacturing and Processing

1

15

15

58

34,52

33,98

1,459

947,36

751,04

(a)

Rice Mills, Flour and Dal Mills

1

15

15

12

8,38

14,64

370

148,35

92,43

(b)

Sugar

-

-

-

3

13,29

7,20

42

170,62

141,03

(c)

Edible Oils and Vanaspati

-

-

-

7

6,56

6,55

313

91,91

72,93

(d)

Tea Processing

-

-

-

-

-

-

6

2,95

1,91

(e)

Processing of Fruits & Vegetables

-

-

-

1

1

1

47

19,23

13,82

(f)

Others

-

-

-

35

6,29

5,59

681

514,30

428,92

3.

Beverage and Tobacco

-

-

-

9

10,19

6,27

140

134,93

119,64

4.

Textiles

-

-

-

579

232,49

184,93

7,952

2287,76

1832,83

(a)

Cotton Textiles

-

-

-

64

43,96

39,88

1,447

420,65

329,67

(b)

Jute Textiles

-

-

-

-

-

-

40

4,18

4,00

(c)

Handloom Textiles & Khadi

-

-

-

1

1

1

327

12,85

9,39

(d)

Other Textiles

-

-

-

514

188,52

145,03

6,138

1850,08

1489,76

5.

Paper, Paper Products and Printing

1

1

1

177

12,33

12,19

3,223

520,48

458,14

6.

Leather and Leather Products

-

-

-

63

31,42

22,79

1,379

467,70

350,89

7.

Rubber and Rubber Products

-

-

-

36

17,53

16,28

1,204

360,33

311,04

8.

Chemicals and Chemical Products

-

-

-

192

38,81

37,24

4,855

1950,78

1565,57

(a)

Heavy Industrial Chemicals

-

-

-

10

3,33

3,34

382

179,43

125,12

(b)

Fertilizers

-

-

-

1

28

28

159

378,50

307,65

(c)

Drugs and Pharmaceuticals

-

-

-

34

12,07

11,62

1,432

899,27

726,01

(d)

Non-Edible Oils

-

-

-

-

-

-

63

23,72

20,39

(e)

Other Chemicals & Chemical Products

-

-

-

147

23,13

22,01

2,819

469,86

386,41

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

3

11

10

437

103,72

67,96

10.

Manufacture of Cement & Cement Products

-

-

-

8

7,69

7,57

262

276,60

238,62

11.

Basic Metals & Metal Products

-

-

-

268

95,84

77,10

5,341

2684,40

2252,63

(a)

Iron and Steel

-

-

-

120

53,19

47,29

1,966

2193,67

1879,72

(b)

Non-Ferrous Metals

-

-

-

6

8,77

3,79

454

101,19

68,36

(c)

Other Metal Products

-

-

-

142

33,88

26,02

2,921

389,54

304,56

12.

Engineering

1

1

1

315

99,27

84,52

7,955

2954,16

2434,99

(a)

Heavy Engineering

-

-

-

33

7,24

7,22

1,023

499,40

333,83

(b)

Light Engineering

1

1

1

121

13,44

12,69

2,622

559,88

470,51

(c)

Electrical Machinery & Goods

-

-

-

94

29,96

28,17

2,481

537,02

461,38

(d)

Electronic Machinery & Goods

-

-

-

67

48,63

36,45

1,829

1357,85

1169,27

13.

Vehicles, Vehicle Parts & Transport Equipments

-

-

-

142

36,35

31,70

2,135

697,17

505,66

14.

Other Industries

2

1

1

419

61,11

49,67

23,885

1383,33

1142,89

15.

Electricity, Gas & Water

-

-

-

5

1,02

99

6,105

417,38

309,49

(a)

Electricity Generation & Transmission

-

-

-

2

10

6

6,044

396,36

295,93

(b)

Non-Conventional Energy

-

-

-

3

91

93

23

11,12

5,22

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

38

9,91

8,34

16.

Construction

2

3

2

107

30,89

30,27

950

719,76

675,66

III.

TRANSPORT OPERATORS

3

4

2

419

9,69

7,28

12,801

271,67

211,06

IV.

PROFESSIONAL AND OTHER SERVICES

4

2

2

1,506

102,21

91,77

18,622

1239,01

882,70

V.

PERSONAL LOANS

19

21

18

9,771

66,39

57,16

5,07,853

1924,33

1618,47

1.

Loans for Purchase of Consumer Durables

-

-

-

1,165

2,56

2,11

15,280

39,95

35,71

2.

Loans for Housing

2

9

6

248

16,65

13,33

27,496

459,62

424,14

3.

Rest of the Personal Loans

17

13

12

8,358

47,18

41,72

4,65,077

1424,76

1158,63

VI.

TRADE

8

13

5

3,557

337,12

258,83

65,211

5138,87

4147,69

1.

Wholesale Trade

1

8

-

2,178

291,00

222,04

17,077

4581,44

3694,81

2.

Retail Trade

7

5

5

1,379

46,12

36,79

48,134

557,43

452,88

VII.

FINANCE

1

-

-

175

131,52

109,27

1,684

909,27

718,50

VIII.

ALL OTHERS

-

-

-

11,255

153,27

130,03

1,47,820

3116,14

2681,19

TOTAL BANK CREDIT

42

62

47

29,095

1516,51

1256,83

8,63,952

29677,11

24249,52

OF WHICH :

1. Artisans & Village Industries

-

-

-

10

23

19

1,740

15,54

11,94