Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1998

NORTHERN REGION

STATE :PUNJAB

(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

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

1,72,528

980,89

770,63

2,61,199

1089,42

907,20

-

-

-

1.

Direct Finance

1,67,053

837,98

694,66

2,55,596

912,76

769,50

-

-

-

2.

Indirect Finance

5,475

142,91

75,96

5,603

176,67

137,70

-

-

-

II.

INDUSTRY

35,515

2013,49

1628,64

65,901

3365,65

2830,37

153

360,38

277,77

1.

Mining & Quarrying

96

1,48

1,26

105

6,46

4,25

-

-

-

2.

Food Manufacturing & Processing

1,876

205,44

168,12

2,453

573,75

444,74

9

54,95

36,77

(a)

Rice Mills, Flour & Dal Mills

1,048

129,26

104,59

1,341

394,14

312,22

3

6,16

5,98

(b)

Sugar

12

11,10

9,98

30

39,39

36,94

-

-

-

(c)

Edible Oils & Vanaspati

466

43,98

37,66

208

47,77

34,49

-

-

-

(d)

Tea Processing

2

4

3

11

53

40

3

13,49

13,29

(e)

Processing of Fruits & Vegetables

3

6

6

29

3,27

3,26

-

-

-

(f)

Others

345

21,00

15,81

834

88,66

57,42

3

35,30

17,50

3.

Beverage & Tobacco

32

4,80

3,29

105

27,63

24,76

4

2,06

1,89

4.

Textiles

3,642

669,55

516,74

7,147

1197,98

1023,31

56

135,03

116,28

(a)

Cotton Textiles

793

268,59

178,95

1,073

509,79

435,80

36

111,50

92,26

(b)

Jute Textiles

12

25,87

25,34

26

2,33

1,12

-

-

-

(c)

Handloom Textiles & Khadi

103

2,37

2,31

203

10,07

9,50

-

-

-

(d)

Other Textiles

2,734

372,72

310,14

5,845

675,80

576,89

20

23,53

24,02

5.

Paper, Paper Products & Printing

366

33,11

31,15

1,117

102,05

90,22

-

-

-

6.

Leather & Leather Products

72

3,08

2,41

309

12,41

10,80

1

20

-

7.

Rubber & Rubber Products

658

67,16

55,38

702

82,32

69,91

3

5,00

4,09

8.

Chemicals & Chemical Products

723

111,00

86,62

1,513

124,73

108,52

42

81,48

58,91

(a)

Heavy Industrial Chemicals

31

7,76

7,57

94

30,39

26,34

1

1,00

-

(b)

Fertilisers

79

20,77

19,93

53

25,71

23,89

-

-

-

(c)

Drugs & Pharmaceuticals

58

1,64

1,80

271

23,03

20,85

27

71,10

56,48

(d)

Non-Edible Oils

6

2,60

2,33

52

3,36

2,82

-

-

-

(e)

Other Chemicals & Chemical Products

549

78,22

54,99

1,043

42,24

34,60

14

9,38

2,43

9.

Petroleum, Coal Products & Nuclear Fuels

79

2,23

1,95

143

18,01

16,75

4

5,00

3,60

10.

Manufacture of Cement & Cement Products

25

64

49

87

3,84

3,02

-

-

-

11.

Basic Metals & Metal Products

4,367

292,21

247,46

5,272

448,58

391,53

5

2,28

1,38

(a)

Iron & Steel

1,588

138,42

113,58

2,312

293,76

260,94

2

50

48

(b)

Non-Ferrous Metals

66

9,94

8,89

86

3,64

3,35

-

-

-

(c)

Other Metal Products

2,713

143,86

125,00

2,874

151,18

127,24

3

1,78

90

12.

Engineering

2,900

247,25

195,34

3,673

169,11

150,59

9

22,91

15,60

(a)

Heavy Engineering

220

9,31

8,44

506

30,85

25,12

3

11,91

8,41

(b)

Light Engineering

2,234

126,45

93,54

2,130

67,90

58,08

5

7,00

7,07

(c)

Electrical Machinery & Goods

345

103,55

90,23

651

31,11

26,80

-

-

-

(d)

Electronic Machinery & Goods

101

7,94

3,13

386

39,26

40,59

1

4,00

12

13.

Vehicles, Vehicle Parts & Transport Equipments

2,135

155,72

126,57

2,607

260,43

218,72

18

50,38

38,64

14.

Other Industries

18,501

218,58

190,78

40,274

310,72

255,14

2

1,10

60

15.

Electricity, Gas & Water

21

51

54

239

17,97

9,29

-

-

-

(a)

Electricity Generation & Transmission

14

36

35

196

15,44

6,87

-

-

-

(b)

Non-Conventional Energy

2

4

7

6

25

26

-

-

-

(c)

Gas, Steam & Water Supply

5

12

11

37

2,28

2,16

-

-

-

16.

Construction

22

73

52

155

9,66

8,84

-

-

-

III.

TRANSPORT OPERATORS

4,732

63,98

42,14

17,212

119,24

89,12

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

2,523

54,50

33,02

21,653

221,24

174,82

-

-

-

V.

PERSONAL LOANS

75,393

484,50

395,91

1,87,658

749,43

668,52

1,649

9,58

2,18

1.

Loans for Purchase of Consumer Durables

2,348

6,74

5,84

17,221

33,74

29,11

-

-

-

2.

Loans for Housing

23,556

300,20

238,71

25,706

188,17

169,39

-

-

-

3.

Rest of the Personal Loans

49,489

177,56

151,37

1,44,731

527,52

470,02

1,649

9,58

2,18

VI.

TRADE

40,630

386,89

274,60

1,13,464

1734,86

1615,58

3

1,11

76

1.

Wholesale Trade

8,098

155,39

121,10

9,351

1297,08

1246,99

3

1,11

76

2.

Retail Trade

32,532

231,50

153,50

1,04,113

437,78

368,60

-

-

-

VII.

FINANCE

40

2,69

1,17

332

33,07

27,18

-

-

-

VIII.

ALL OTHERS

26,808

178,11

151,60

86,085

618,26

572,73

-

-

-

TOTAL BANK CREDIT

3,58,169

4165,05

3297,71

7,53,504

7931,17

6885,52

1,805

371,07

280,71

OF WHICH:

1. Artisans & Village Industries

6,144

39,27

33,45

11,476

35,61

29,53

-

-

-

2. Other Small Scale Industries

21,280

849,71

680,16

37,892

1260,21

1024,68

17

15,24

9,42

NORTHERN REGION

STATE :PUNJAB

(Amount in Rupees Lakh)

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

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

74,990

112,11

102,41

209

4,97

4,42

5,08,926

2187,38

1784,65

1.

Direct Finance

73,870

110,20

100,86

189

3,87

3,63

4,96,708

1864,80

1568,65

2.

Indirect Finance

1,120

1,91

1,55

20

1,09

79

12,218

322,57

215,99

II.

INDUSTRY

10,983

11,38

10,82

710

176,22

139,33

1,13,262

5927,11

4886,92

1.

Mining & Quarrying

48

21

16

2

10

11

251

8,25

5,77

2.

Food Manufacturing & Processing

21

91

80

43

30,23

23,42

4,402

865,28

673,86

(a)

Rice Mills, Flour & Dal Mills

14

77

66

28

15,51

14,56

2,434

545,83

438,02

(b)

Sugar

-

-

-

-

-

-

42

50,49

46,92

(c)

Edible Oils & Vanaspati

5

11

11

9

13,16

7,61

688

105,03

79,86

(d)

Tea Processing

-

-

-

-

-

-

16

14,06

13,72

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

32

3,33

3,32

(f)

Others

2

3

3

6

1,57

1,25

1,190

146,55

92,01

3.

Beverage & Tobacco

-

-

-

1

1

1

142

34,50

29,95

4.

Textiles

4

25

21

190

55,74

47,44

11,039

2058,54

1703,98

(a)

Cotton Textiles

4

25

21

61

34,90

31,92

1,967

925,02

739,14

(b)

Jute Textiles

-

-

-

-

-

-

38

28,19

26,46

(c)

Handloom Textiles & Khadi

-

-

-

-

-

-

306

12,44

11,81

(d)

Other Textiles

-

-

-

129

20,84

15,53

8,728

1092,89

926,57

5.

Paper, Paper Products & Printing

9

22

22

12

1,78

1,62

1,504

137,16

123,22

6.

Leather & Leather Products

1

1

1

10

1,26

52

393

16,96

13,74

7.

Rubber & Rubber Products

10

10

7

23

3,50

3,26

1,396

158,09

132,71

8.

Chemicals & Chemical Products

6

34

33

31

4,02

3,39

2,315

321,56

257,78

(a)

Heavy Industrial Chemicals

-

-

-

2

84

83

128

39,99

34,75

(b)

Fertilisers

2

17

17

2

1,00

1,04

136

47,66

45,03

(c)

Drugs & Pharmaceuticals

-

-

-

1

3

3

357

95,81

79,16

(d)

Non-Edible Oils

-

-

-

1

1

1

59

5,96

5,16

(e)

Other Chemicals & Chemical Products

4

17

17

25

2,14

1,48

1,635

132,14

93,67

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

1

1

-

227

25,24

22,30

10.

Manufacture of Cement & Cement Products

-

-

-

3

18,91

15,77

115

23,40

19,28

11.

Basic Metals & Metal Products

4

5

5

78

12,55

10,83

9,726

755,66

651,26

(a)

Iron & Steel

-

-

-

46

9,17

8,05

3,948

441,84

383,06

(b)

Non-Ferrous Metals

-

-

-

7

2,41

1,96

159

15,98

14,20

(c)

Other Metal Products

4

5

5

25

98

82

5,619

297,84

254,00

12.

Engineering

8

14

12

68

10,67

9,32

6,658

450,08

370,96

(a)

Heavy Engineering

2

8

7

3

78

77

734

52,93

42,81

(b)

Light Engineering

4

4

4

50

3,04

2,42

4,423

204,43

161,15

(c)

Electrical Machinery & Goods

2

2

2

12

2,29

2,07

1,010

136,96

119,11

(d)

Electronic Machinery & Goods

-

-

-

3

4,56

4,05

491

55,76

47,89

13.

Vehicles, Vehicle Parts & Transport Equipments

12

9

7

40

31,14

18,23

4,812

497,76

402,22

14.

Other Industries

10,855

9,00

8,71

200

5,04

4,49

69,832

544,43

459,73

15.

Electricity, Gas & Water

-

-

-

2

34

31

262

18,82

10,14

(a)

Electricity Generation & Transmission

-

-

-

-

-

-

210

15,80

7,23

(b)

Non-Conventional Energy

-

-

-

-

-

-

8

29

33

(c)

Gas, Steam & Water Supply

-

-

-

2

34

31

44

2,74

2,58

16.

Construction

5

6

6

6

93

60

188

11,38

10,02

III.

TRANSPORT OPERATORS

6,922

7,31

6,85

67

4,01

2,68

28,933

194,55

140,80

IV.

PROFESSIONAL AND OTHER SERVICES

1,328

2,39

2,22

118

9,92

9,34

25,622

288,04

219,39

V.

PERSONAL LOANS

12,266

23,77

23,04

3,705

16,97

13,01

2,80,671

1284,25

1102,67

1.

Loans for Purchase of Consumer Durables

676

1,16

1,10

72

25

17

20,317

41,89

36,22

2.

Loans for Housing

1,761

3,95

3,58

75

1,08

91

51,098

493,39

412,59

3.

Rest of the Personal Loans

9,829

18,66

18,36

3,558

15,65

11,93

2,09,256

748,97

653,86

VI.

TRADE

19,307

21,01

19,22

1,153

46,61

37,12

1,74,557

2190,48

1947,28

1.

Wholesale Trade

1,378

2,96

2,74

316

25,49

20,91

19,146

1482,03

1392,49

2.

Retail Trade

17,929

18,05

16,48

837

21,13

16,22

1,55,411

708,45

554,80

VII.

FINANCE

-

-

-

20

1,45

1,85

392

37,22

30,20

VIII.

ALL OTHERS

2,139

2,74

2,52

416

6,13

4,87

1,15,448

805,24

731,72

TOTAL BANK CREDIT

1,27,935

180,70

167,08

6,398

266,29

212,62

12,47,811

12914,27

10843,64

OF WHICH:

1. Artisans & Village Industries

8,961

6,78

6,12

24

15

11

26,605

81,81

69,21

2. Other Small Scale Industries

1,858

2,91

3,32

240

51,57

31,08

61,287

2179,63

1748,66