Table No. 5.7 - State and Population Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation March 1998

SOUTHERN REGION

STATE : KERALA

(Amount in Rupees Lakh)

RURAL

SEMI-URBAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

1,93,160

243,41

229,65

9,83,716

1290,15

1221,58

1.

Direct Finance

1,91,018

230,19

220,72

9,73,838

1235,83

1174,73

2.

Indirect Finance

2,142

13,22

8,93

9,878

54,32

46,86

II.

INDUSTRY

22,833

225,70

199,51

1,38,570

1617,70

1330,88

1.

Mining & Quarrying

108

2,74

2,33

464

21,63

16,93

2.

Food Manufacturing & Processing

1,074

56,81

48,75

6,736

263,24

197,69

(a) Rice Mills, Flour & Dal Mills

199

3,33

2,70

1,123

34,72

31,36

(b) Sugar

1

2

2

8

1,55

1,58

(c) Edible Oils & Vanaspati

200

3,34

3,13

802

24,60

18,87

(d) Tea Processing

6

5,17

5,40

37

9,96

11,44

(e) Processing of Fruits & Vegetables

7

12

7

175

4,46

3,53

(f) Others

661

44,82

37,43

4,591

187,95

130,92

3.

Beverage & Tobacco

33

2,63

2,63

343

16,89

15,29

4.

Textiles

537

9,98

8,67

2,913

139,23

113,95

(a) Cotton Textiles

35

95

93

364

63,83

56,29

(b) Jute Textiles

4

4

3

21

52

50

(c) Handloom Textiles & Khadi

92

1,06

86

127

7,33

6,31

(d) Other Textiles

406

7,92

6,85

2,401

67,55

50,85

5.

Paper, Paper Products & Printing

116

2,44

2,33

1,276

98,71

83,85

6.

Leather & Leather Products

28

24

23

260

4,10

3,37

7.

Rubber & Rubber Products

150

25,09

21,52

1,463

141,51

101,18

8.

Chemicals & Chemical Products

271

16,81

15,90

2,388

164,83

140,95

(a) Heavy Industrial Chemicals

10

5,18

5,19

69

16,86

13,99

(b) Fertilisers

3

5

3

37

52,64

39,81

(c) Drugs & Pharmaceuticals

51

87

83

475

29,28

27,07

(d) Non-Edible Oils

8

12

11

27

60

60

(e) Other Chemicals & Chemical Products

199

10,60

9,75

1,780

65,45

59,48

9.

Petroleum, Coal Products & Nuclear Fuels

8

6

5

85

3,26

2,30

10.

Manufacture of Cement & Cement Products

96

2,10

1,21

570

12,17

8,87

11.

Basic Metals & Metal Products

200

6,22

6,71

1,597

63,88

59,71

(a) Iron & Steel

31

4,73

5,43

224

35,91

34,50

(b) Non-Ferrous Metals

-

-

-

58

1,36

1,25

(c) Other Metal Products

169

1,49

1,28

1,315

26,61

23,96

12.

Engineering

286

24,13

27,02

2,077

214,36

173,71

(a) Heavy Engineering

18

30

27

101

6,40

4,99

(b) Light Engineering

106

6,63

6,74

877

21,43

17,65

(c) Electrical Machinery & Goods

92

3,38

3,13

498

135,06

114,79

(d) Electronic Machinery & Goods

70

13,82

16,87

601

51,47

36,27

13.

Vehicles, Vehicle Parts & Transport Equipments

180

9,89

4,42

1,075

20,41

15,54

14.

Other Industries

19,524

58,09

50,32

1,15,799

377,68

330,98

15.

Electricity, Gas & Water

6

72

48

65

5,38

3,81

(a) Electricity Generation & Transmission

4

18

16

29

3,92

2,76

(b) Non-Conventional Energy

1

53

30

10

62

48

(c) Gas, Steam & Water Supply

1

2

2

26

85

57

16.

Construction

216

7,76

6,94

1,459

70,42

62,76

III.

TRANSPORT OPERATORS

8,610

93,30

69,58

47,666

471,28

358,59

IV.

PROFESSIONAL AND OTHER SERVICES

21,114

40,52

35,53

1,26,405

297,75

256,76

V.

PERSONAL LOANS

92,851

241,19

218,65

6,59,479

1881,86

1718,43

1.

Loans for Purchase of Consumer Durables

9,877

15,29

12,88

59,338

108,19

95,37

2.

Loans for Housing

8,069

75,68

68,61

58,221

515,85

466,21

3.

Rest of the Personal Loans

74,905

150,22

137,16

5,41,920

1257,83

1156,84

VI.

TRADE

67,951

202,82

180,32

3,50,756

1420,47

1172,94

1.

Wholesale Trade

774

69,06

64,64

10,379

449,52

339,58

2.

Retail Trade

67,177

133,76

115,68

3,40,377

970,95

833,37

VII.

FINANCE

29

1,66

57

237

61,11

55,23

VIII.

ALL OTHERS

46,000

71,18

60,79

4,03,691

660,81

583,15

TOTAL BANK CREDIT

4,52,548

1119,78

994,60

27,10,520

7701,11

6697,57

OF WHICH:

1. Artisans & Village Industries

9,308

10,41

9,47

46,968

68,29

60,06

2. Other Small Scale Industries

10,011

64,71

56,48

72,339

635,07

529,19

URBAN

METROPOLITAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

60,048

267,72

257,06

-

-

-

1.

Direct Finance

58,752

185,19

179,83

-

-

-

2.

Indirect Finance

1,296

82,53

77,23

-

-

-

II.

INDUSTRY

30,414

2261,15

1892,82

-

-

-

1.

Mining & Quarrying

70

28,61

27,08

-

-

-

2.

Food Manufacturing & Processing

1,679

760,82

595,88

-

-

-

(a) Rice Mills, Flour & Dal Mills

173

18,82

16,68

-

-

-

(b) Sugar

-

-

-

-

-

-

(c) Edible Oils & Vanaspati

134

32,30

26,55

-

-

-

(d) Tea Processing

89

113,13

75,04

-

-

-

(e) Processing of Fruits & Vegetables

29

2,81

2,67

-

-

-

(f) Others

1,254

593,77

474,94

-

-

-

3.

Beverage & Tobacco

65

9,69

9,41

-

-

-

4.

Textiles

1,164

194,30

174,33

-

-

-

(a) Cotton Textiles

87

66,15

62,41

-

-

-

(b) Jute Textiles

8

1,06

96

-

-

-

(c) Handloom Textiles & Khadi

20

2,48

2,42

-

-

-

(d) Other Textiles

1,049

124,61

108,55

-

-

-

5.

Paper, Paper Products & Printing

704

74,56

67,43

-

-

-

6.

Leather & Leather Products

101

5,24

4,73

-

-

-

7.

Rubber & Rubber Products

487

104,22

74,85

-

-

-

8.

Chemicals & Chemical Products

1,026

260,90

218,13

-

-

-

(a) Heavy Industrial Chemicals

57

34,56

32,69

-

-

-

(b) Fertilisers

25

130,89

84,76

-

-

-

(c) Drugs & Pharmaceuticals

175

16,76

15,11

-

-

-

(d) Non-Edible Oils

12

10,08

10,87

-

-

-

(e) Other Chemicals & Chemical Products

757

68,61

74,70

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

41

12,39

10,20

-

-

-

10.

Manufacture of Cement & Cement Products

78

16,56

8,80

-

-

-

11.

Basic Metals & Metal Products

658

79,18

76,99

-

-

-

(a) Iron & Steel

135

27,93

29,33

-

-

-

(b) Non-Ferrous Metals

53

20,24

19,56

-

-

-

(c) Other Metal Products

470

31,02

28,10

-

-

-

12.

Engineering

1,043

369,28

324,62

-

-

-

(a) Heavy Engineering

69

32,89

24,18

-

-

-

(b) Light Engineering

322

34,85

34,86

-

-

-

(c) Electrical Machinery & Goods

302

205,87

169,81

-

-

-

(d) Electronic Machinery & Goods

350

95,67

95,78

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

344

29,28

26,34

-

-

-

14.

Other Industries

22,140

215,27

183,00

-

-

-

15.

Electricity, Gas & Water

49

7,62

6,98

-

-

-

(a) Electricity Generation & Transmission

37

6,75

6,10

-

-

-

(b) Non-Conventional Energy

3

56

59

-

-

-

(c) Gas, Steam & Water Supply

9

30

29

-

-

-

16.

Construction

765

93,23

84,03

-

-

-

III.

TRANSPORT OPERATORS

8,987

101,37

80,32

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

22,302

244,21

199,99

-

-

-

V.

PERSONAL LOANS

2,14,123

923,43

834,09

-

-

-

1.

Loans for Purchase of Consumer Durables

28,371

61,38

54,70

-

-

-

2.

Loans for Housing

26,558

305,37

282,03

-

-

-

3.

Rest of the Personal Loans

1,59,194

556,69

497,36

-

-

-

VI.

TRADE

52,407

1110,83

900,00

-

-

-

1.

Wholesale Trade

5,248

624,72

492,86

-

-

-

2.

Retail Trade

47,159

486,11

407,14

-

-

-

VII.

FINANCE

343

97,12

74,04

-

-

-

VIII.

ALL OTHERS

87,074

489,37

431,38

-

-

-

TOTAL BANK CREDIT

4,75,698

5495,20

4669,70

-

-

-

OF WHICH:

1. Artisans & Village Industries

5,049

16,15

16,06

-

-

-

2. Other Small Scale Industries

18,014

617,19

532,45

-

-

-