Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1997

NORTHERN REGION

(Amount in Rupees Lakh)

STATE BANK OF INDIA AND ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN BANKS

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

2,84,260

626,46

518,11

3,53,812

809,77

681,08

-

-

-

1.

Direct Finance

2,81,710

561,40

471,84

3,49,757

689,83

591,49

-

-

-

2.

Indirect Finance

2,550

65,07

46,27

4,055

119,94

89,59

-

-

-

II.

INDUSTRY

68,713

1274,01

1088,78

54,832

1939,49

1529,27

27

39,76

37,04

1.

Mining & Quarrying

495

35,35

20,02

1,017

101,33

64,16

-

-

-

2.

Food Manufacturing and Processing

1,497

77,97

61,40

1,854

78,33

63,56

5

10,80

9,80

(a) Rice Mills, Flour and Dal Mills

461

24,33

17,32

330

6,54

5,53

-

-

-

(b) Sugar

4

58

54

16

14,55

10,41

-

-

-

(c) Edible Oils and Vanaspati

499

44,09

36,26

605

37,31

31,43

-

-

-

(d) Tea Processing

1

4

4

4

29

7

-

-

-

(e) Processing of Fruits & Vegetables

11

8

8

28

5,39

5,26

-

-

-

(f) Others

521

8,85

7,16

871

14,26

10,86

5

10,80

9,80

3.

Beverage and Tobacco

30

79

66

77

10,73

9,29

-

-

-

4.

Textiles

2,427

304,29

239,48

2,524

489,30

402,23

6

14,50

13,52

(a) Cotton Textiles

1,452

94,26

81,63

931

100,17

87,12

1

2,00

2,00

(b) Jute Textiles

13

1,60

1,53

15

55

47

-

-

-

(c) Handloom Textiles & Khadi

85

2,60

2,48

121

1,35

93

-

-

-

(d) Other Textiles

877

205,83

153,84

1,457

387,23

313,71

5

12,50

11,52

5.

Paper, Paper Products and Printing

308

12,55

11,47

539

94,95

72,56

-

-

-

6.

Leather and Leather Products

156

3,57

3,01

185

16,23

15,00

-

-

-

7.

Rubber and Rubber Products

70

16,24

15,82

122

72,33

40,61

1

54

49

8.

Chemicals and Chemical Products

868

118,82

109,87

947

175,39

129,41

5

1,60

1,50

(a) Heavy Industrial Chemicals

81

4,62

3,99

119

47,30

35,77

-

-

-

(b) Fertilizers

26

14,05

11,09

20

45,50

27,74

-

-

-

(c) Drugs and Pharmaceuticals

176

10,08

6,27

171

38,01

29,41

-

-

-

(d) Non-Edible Oils

27

10,05

5,95

18

1,63

1,54

-

-

-

(e) Other Chemicals & Chemical Products

558

80,02

82,57

619

42,94

34,96

5

1,60

1,50

9.

Petroleum, Coal Products & Nuclear Fuels

89

6,59

5,13

44

4,49

4,46

-

-

-

10.

Manufacture of Cement & Cement Products

287

79,04

55,85

386

63,83

56,88

-

-

-

11.

Basic Metals & Metal Products

833

51,48

48,11

1,178

218,89

145,59

1

2,50

1,64

(a) Iron and Steel

357

26,93

27,41

417

123,35

80,52

1

2,50

1,64

(b) Non-Ferrous Metals

94

10,64

8,53

107

32,32

18,27

-

-

-

(c) Other Metal Products

382

13,91

12,16

654

63,23

46,79

-

-

-

12.

Engineering

1,116

193,37

180,24

1,277

182,14

165,10

8

9,53

9,82

(a) Heavy Engineering

174

11,02

11,66

188

26,48

21,88

-

-

-

(b) Light Engineering

310

41,05

34,18

412

23,92

21,73

3

3,10

2,99

(c) Electrical Machinery & Goods

243

32,98

30,84

437

90,16

75,75

-

-

-

(d) Electronic Machinery & Goods

389

108,32

103,56

240

41,58

45,75

5

6,43

6,83

13.

Vehicles, Vehicle Parts & Transport Equipments

189

11,78

7,73

315

13,56

12,18

1

29

28

14.

Other Industries

60,207

259,82

230,75

44,046

308,75

266,40

-

-

-

15.

Electricity, Gas & Water

65

98,25

96,34

83

87,24

63,66

-

-

-

(a) Electricity Generation & Transmission

56

97,03

95,44

74

86,90

63,32

-

-

-

(b) Non-Conventional Energy

-

-

-

1

1

1

-

-

-

(c) Gas, Steam & Water Supply

9

1,22

90

8

33

33

-

-

-

16.

Construction

76

4,10

2,90

238

22,00

18,17

-

-

-

III.

TRANSPORT OPERATORS

9,725

62,93

50,97

13,646

86,04

68,06

-

-

-

IV.

PROFESSIONALAND OTHER SERVICES

4,880

31,80

25,87

45,969

132,79

109,89

-

-

-

V.

PERSONAL LOANS

1,88,947

407,34

360,24

1,42,506

427,08

376,45

1,250

7,77

6,89

1.

Loans for Purchase of Consumer Durables

12,235

19,68

16,37

3,732

7,14

5,84

-

-

-

2.

Loans for Housing

20,293

114,73

105,17

26,290

122,85

110,82

-

-

-

3.

Rest of the Personal Loans

1,56,419

272,93

238,69

1,12,484

297,09

259,79

1,250

7,77

6,89

VI.

TRADE

1,33,216

555,33

477,53

1,18,905

387,64

318,29

-

-

-

1.

Wholesale Trade

10,470

312,57

274,27

5,599

124,34

95,13

-

-

-

2.

Retail Trade

1,22,746

242,76

203,26

1,13,306

263,31

223,16

-

-

-

VII.

FINANCE

119

5,98

4,49

273

107,40

76,88

-

-

-

VIII. ALL OTHERS

17,865

101,72

82,35

1,00,477

268,78

231,91

-

-

-

TOTAL BANK CREDIT

7,07,725

3065,56

2608,34

8,30,420

4159,00

3391,83

1,277

47,52

43,93

OF WHICH :

1. Artisans & Village Industries

28,724

32,02

26,89

19,398

27,49

24,52

-

-

-

2. Other Small Scale Industries

30,928

386,40

326,96

26,867

450,15

372,94

6

7,52

7,42

REGIONAL RURAL BANKS

OTHER SCHEDULED COMMERCIAL BANKS

ALL SCHEDULED COMMERCIAL BANKS

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

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

2,79,670

286,15

248,20

41,539

95,01

71,55

9,59,281

1817,39

1518,94

1.

Direct Finance

2,72,560

279,59

242,04

40,543

67,57

50,57

9,44,570

1598,38

1355,94

2.

Indirect Finance

7,110

6,57

6,16

996

27,44

20,98

14,711

219,01

163,00

II.

INDUSTRY

57,003

48,37

41,72

8,362

403,83

332,01

1,88,937

3705,45

3028,81

1.

Mining & Quarrying

1,039

4,98

3,75

103

23,00

18,42

2,654

164,65

106,35

2.

Food Manufacturing and Processing

347

1,17

97

295

21,65

18,79

3,998

189,92

154,52

(a) Rice Mills, Flour and Dal Mills

56

37

36

105

4,33

3,63

952

35,56

26,84

(b) Sugar

-

-

-

2

4

-

22

15,17

10,95

(c) Edible Oils and Vanaspati

54

32

26

96

16,47

14,45

1,254

98,19

82,39

(d) Tea Processing

-

-

-

1

-

-

6

33

12

(e) Processing of Fruits & Vegetables

7

4

4

-

-

-

46

5,52

5,37

(f) Others

230

44

31

91

81

72

1,718

35,16

28,84

3.

Beverage and Tobacco

7

2

2

42

14,83

11,22

156

26,37

21,19

4.

Textiles

64

1,21

1,18

493

130,25

100,63

5,514

939,55

757,03

(a) Cotton Textiles

8

93

95

201

21,93

18,45

2,593

219,29

190,16

(b) Jute Textiles

1

1

1

3

7

5

32

2,22

2,05

(c) Handloom Textiles & Khadi

3

1

1

24

5,09

1,71

233

9,05

5,13

(d) Other Textiles

52

26

21

265

103,17

80,41

2,656

708,98

559,69

5.

Paper, Paper Products and Printing

9

4

3

115

4,31

4,18

971

111,85

88,25

6.

Leather and Leather Products

39

13

12

13

21

21

393

20,15

18,34

7.

Rubber and Rubber Products

3

10

9

31

2,19

1,67

227

91,40

58,68

8.

Chemicals and Chemical Products

15

17

16

173

22,77

18,58

2,008

318,74

259,52

(a) Heavy Industrial Chemicals

-

-

-

12

59

50

212

52,51

40,26

(b) Fertilizers

-

-

-

1

2,25

1,77

47

61,80

40,59

(c) Drugs and Pharmaceuticals

2

1

-

64

2,58

1,45

413

50,68

37,13

(d) Non-Edible Oils

3

1

1

3

13

8

51

11,82

7,58

(e) Other Chemicals & Chemical Products

10

15

15

93

17,22

14,78

1,285

141,93

133,96

9.

Petroleum, Coal Products & Nuclear Fuels

1

-

-

3

3

3

137

11,12

9,62

10.

Manufacture of Cement & Cement Products

30

37

32

76

8,94

7,98

779

152,18

121,03

11.

Basic Metals & Metal Products

74

43

35

284

16,69

13,50

2,370

289,99

209,18

(a) Iron and Steel

10

1

9

144

10,06

8,03

929

162,95

117,69

(b) Non-Ferrous Metals

2

3

3

15

25

20

218

43,23

27,03

(c) Other Metal Products

62

29

23

125

6,39

5,27

1,223

83,81

64,46

12.

Engineering

71

60

48

272

78,86

66,95

2,744

464,50

422,59

(a) Heavy Engineering

19

34

26

30

4,96

4,09

411

42,80

37,89

(b) Light Engineering

24

14

12

80

2,83

2,58

829

71,04

61,59

(c) Electrical Machinery & Goods

21

9

8

112

59,65

49,28

813

182,88

155,94

(d) Electronic Machinery & Goods

7

4

3

50

11,41

10,99

691

167,77

167,16

13.

Vehicles, Vehicle Parts & Transport Equipments

49

69

57

46

43,86

40,82

600

70,18

61,59

14.

Other Industries

55,234

38,26

33,49

6,361

26,65

22,76

1,65,848

633,48

553,40

15.

Electricity, Gas & Water

3

3

3

7

1,53

14

158

187,06

160,18

(a) Electricity Generation & Transmission

2

3

3

3

19

12

135

184,16

158,91

(b) Non-Conventional Energy

-

-

-

2

1,33

1

3

1,34

2

(c) Gas, Steam & Water Supply

1

-

1

2

1

1

20

1,56

1,25

16.

Construction

18

17

14

48

8,04

6,13

380

34,31

27,34

III.

TRANSPORT OPERATORS

15,992

27,26

23,01

1,182

17,33

11,16

40,545

193,55

153,21

IV.

PROFESSIONALAND OTHER SERVICES

13,133

11,10

9,15

4,474

23,49

19,79

68,456

199,18

164,69

V.

PERSONAL LOANS

71,445

86,09

78,74

31,738

110,39

94,31

4,35,886

1038,66

916,62

1.

Loans for Purchase of Consumer Durables

4,535

5,86

4,64

3,611

7,43

5,97

24,113

40,11

32,82

2.

Loans for Housing

3,219

10,92

10,43

5,086

34,15

31,45

54,888

282,65

257,87

3.

Rest of the Personal Loans

63,691

69,30

63,67

23,041

68,81

56,89

3,56,885

715,90

625,93

VI.

TRADE

61,836

53,09

45,45

17,506

184,71

136,60

3,31,463

1180,77

977,87

1.

Wholesale Trade

694

1,71

1,51

1,669

120,03

93,11

18,432

558,64

464,01

2.

Retail Trade

61,142

51,38

43,94

15,837

64,68

43,50

3,13,031

622,13

513,86

VII.

FINANCE

10

10

3

109

41,39

36,08

511

154,88

117,49

VIII. ALL OTHERS

25,557

22,54

21,02

9,783

37,63

36,04

1,53,682

430,67

371,31

TOTAL BANK CREDIT

5,24,646

534,69

467,31

1,14,693

913,77

737,53

21,78,761

8720,55

7248,95

OF WHICH :

1. Artisans & Village Industries

50,148

32,65

28,58

4,313

3,25

2,41

1,02,583

95,40

82,39

2. Other Small Scale Industries

4,242

6,20

5,36

2,956

144,84

108,12

64,999

995,11

820,80