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

NORTHERN REGION

STATE : PUNJAB

(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

3,28,572

1170,00

943,12

1,43,161

682,04

552,15

1.

Direct Finance

3,22,819

1057,52

883,98

1,39,226

561,05

472,77

2.

Indirect Finance

5,753

112,49

59,15

3,935

121,00

79,38

II.

INDUSTRY

34,887

537,62

435,25

26,715

1092,53

909,90

1.

Mining & Quarrying

170

2,33

1,97

37

3,56

2,24

2.

Food Manufacturing & Processing

766

93,00

64,69

1,854

266,03

205,60

(a) Rice Mills, Flour & Dal Mills

512

50,43

36,35

1,025

185,78

140,72

(b) Sugar

4

12,11

2,70

16

11,43

11,33

(c) Edible Oils & Vanaspati

42

2,54

2,13

489

36,35

25,53

(d) Tea Processing

3

13,49

13,29

3

17

15

(e) Processing of Fruits & Vegetables

5

29

30

8

82

58

(f) Others

200

14,14

9,92

313

31,48

27,28

3.

Beverage & Tobacco

21

5,22

5,14

39

2,29

1,63

4.

Textiles

460

84,53

73,94

782

183,18

149,63

(a) Cotton Textiles

117

58,22

51,61

288

137,95

105,71

(b) Jute Textiles

1

-

-

8

99

5

(c) Handloom Textiles & Khadi

53

61

56

64

3,47

3,11

(d) Other Textiles

289

25,69

21,77

422

40,76

40,77

5.

Paper, Paper Products & Printing

117

8,92

8,19

389

20,24

18,02

6.

Leather & Leather Products

58

75

61

85

1,71

1,55

7.

Rubber & Rubber Products

87

2,43

1,81

203

12,86

6,99

8.

Chemicals & Chemical Products

297

102,37

75,62

625

80,20

68,74

(a) Heavy Industrial Chemicals

15

8,69

6,91

24

20,39

17,92

(b) Fertilisers

59

7,98

8,38

22

17,23

15,29

(c) Drugs & Pharmaceuticals

53

64,66

49,98

67

12,14

11,72

(d) Non-Edible Oils

7

1,30

97

32

2,65

2,36

(e) Other Chemicals & Chemical Products

163

19,73

9,37

480

27,80

21,44

9.

Petroleum, Coal Products & Nuclear Fuels

17

31

29

81

2,64

2,19

10.

Manufacture of Cement & Cement Products

32

19,80

16,33

50

2,27

1,76

11.

Basic Metals & Metal Products

624

25,88

26,86

2,333

242,53

211,70

(a) Iron & Steel

127

10,30

8,80

1,494

197,48

173,17

(b) Non-Ferrous Metals

7

14

6

20

49

36

(c) Other Metal Products

490

15,44

18,00

819

44,56

38,17

12.

Engineering

886

61,45

54,86

1,534

99,14

84,54

(a) Heavy Engineering

52

11,15

7,51

200

10,15

8,36

(b) Light Engineering

593

13,58

11,93

864

38,86

35,02

(c) Electrical Machinery & Goods

136

8,85

9,39

296

37,92

26,51

(d) Electronic Machinery & Goods

105

27,87

26,04

174

12,21

14,66

13.

Vehicles, Vehicle Parts & Transport Equipments

493

43,02

28,57

697

62,77

56,57

14.

Other Industries

30,770

85,27

74,42

17,879

105,64

92,34

15.

Electricity, Gas & Water

56

1,65

1,31

84

4,85

4,36

(a) Electricity Generation & Transmission

46

1,55

1,21

58

2,50

2,11

(b) Non-Conventional Energy

2

5

5

2

20

20

(c) Gas, Steam & Water Supply

8

5

5

24

2,14

2,05

16.

Construction

33

68

65

43

2,61

2,04

III.

TRANSPORT OPERATORS

16,522

64,84

49,48

7,969

53,80

38,09

IV.

PROFESSIONAL AND OTHER SERVICES

7,425

89,67

57,92

7,891

61,97

48,10

V.

PERSONAL LOANS

78,212

333,28

285,04

84,158

379,52

320,33

1.

Loans for Purchase of Consumer Durables

4,811

8,08

6,91

6,474

12,13

10,39

2.

Loans for Housing

12,839

127,34

101,75

16,599

157,54

126,17

3.

Rest of the Personal Loans

60,562

197,86

176,37

61,085

209,85

183,77

VI.

TRADE

70,305

1172,05

1147,83

55,633

356,80

298,37

1.

Wholesale Trade

4,797

1038,61

1037,52

4,864

120,66

100,95

2.

Retail Trade

65,508

133,43

110,30

50,769

236,14

197,42

VII.

FINANCE

40

2,37

1,73

98

5,16

3,24

VIII.

ALL OTHERS

28,970

118,55

104,37

39,938

194,93

175,66

TOTAL BANK CREDIT

5,64,933

3488,37

3024,74

3,65,563

2826,75

2345,84

OF WHICH:

1. Artisans & Village Industries

17,587

21,75

18,07

5,844

25,18

21,20

2. Other Small Scale Industries

12,222

120,72

104,06

14,188

329,58

258,58

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

33,317

288,29

247,61

3,876

47,04

41,76

1. Direct Finance

30,962

206,71

176,59

3,701

39,53

35,32

2. Indirect Finance

2,355

81,58

71,02

175

7,51

6,45

II.

INDUSTRY

28,853

1730,62

1462,76

22,807

2566,35

2079,02

1.

Mining & Quarrying

26

1,45

75

18

90

81

2.

Food Manufacturing & Processing

1,355

422,89

319,92

427

83,36

83,64

(a) Rice Mills, Flour & Dal Mills

835

280,66

228,22

62

28,97

32,72

(b) Sugar

17

10,57

10,47

5

16,38

22,42

(c) Edible Oils & Vanaspati

139

48,33

39,30

18

17,80

12,90

(d) Tea Processing

10

40

27

-

-

-

(e) Processing of Fruits & Vegetables

13

2,01

2,37

6

19

7

(f) Others

341

80,92

39,29

336

20,02

15,53

3.

Beverage & Tobacco

69

25,37

22,48

13

1,62

70

4.

Textiles

2,758

425,65

410,38

7,039

1365,19

1070,03

(a) Cotton Textiles

710

209,09

217,51

852

519,75

364,32

(b) Jute Textiles

22

26,36

25,72

7

84

68

(c) Handloom Textiles & Khadi

57

4,61

4,52

132

3,75

3,62

(d) Other Textiles

1,969

185,59

162,63

6,048

840,84

701,41

5.

Paper, Paper Products & Printing

689

63,43

57,61

309

44,57

39,41

6.

Leather & Leather Products

220

14,03

11,10

30

47

48

7.

Rubber & Rubber Products

914

65,24

54,98

192

77,55

68,93

8.

Chemicals & Chemical Products

943

59,44

52,49

450

79,55

60,93

(a) Heavy Industrial Chemicals

62

3,06

2,01

27

7,84

7,90

(b) Fertilisers

39

20,03

18,77

16

2,42

2,58

(c) Drugs & Pharmaceuticals

178

16,85

15,62

59

2,16

1,85

(d) Non-Edible Oils

11

1,09

99

9

92

84

(e) Other Chemicals & Chemical Products

653

18,40

15,11

339

66,21

47,75

9.

Petroleum, Coal Products & Nuclear Fuels

67

3,36

2,79

62

18,94

17,03

10.

Manufacture of Cement & Cement Products

29

84

68

4

49

52

11.

Basic Metals & Metal Products

5,363

282,27

240,14

1,406

204,97

172,56

(a) Iron & Steel

1,541

78,55

71,89

786

155,50

129,20

(b) Non-Ferrous Metals

109

11,61

10,35

23

3,73

3,42

(c) Other Metal Products

3,713

192,11

157,89

597

45,74

39,94

12.

Engineering

2,337

95,03

76,06

1,901

194,45

155,49

(a) Heavy Engineering

157

12,07

8,36

325

19,56

18,58

(b) Light Engineering

1,581

45,63

39,72

1,385

106,36

74,49

(c) Electrical Machinery & Goods

433

29,88

24,85

145

60,32

58,37

(d) Electronic Machinery & Goods

166

7,45

3,13

46

8,22

4,06

13.

Vehicles, Vehicle Parts & Transport Equipments

482

26,50

19,71

3,140

365,47

297,38

14.

Other Industries

13,415

229,58

186,02

7,768

123,95

106,95

15.

Electricity, Gas & Water

93

10,87

3,30

29

1,45

1,18

(a) Electricity Generation & Transmission

81

10,41

2,84

25

1,33

1,06

(b) Non-Conventional Energy

4

4

8

-

-

-

(c) Gas, Steam & Water Supply

8

42

38

4

12

11

16.

Construction

93

4,66

4,35

19

3,43

2,97

III.

TRANSPORT OPERATORS

4,075

68,02

46,97

367

7,89

6,26

IV.

PROFESSIONAL AND OTHER SERVICES

8,119

72,21

55,84

2,187

64,19

57,53

V.

PERSONAL LOANS

94,401

428,24

364,42

23,900

143,21

132,88

1.

Loans for Purchase of Consumer Durables

7,306

15,83

13,89

1,726

5,85

5,03

2.

Loans for Housing

17,291

157,62

138,09

4,369

50,89

46,58

3.

Rest of the Personal Loans

69,804

254,78

212,44

17,805

86,47

81,27

VI.

TRADE

39,187

468,69

349,72

9,432

192,95

151,37

1.

Wholesale Trade

5,254

198,26

162,41

4,231

124,50

91,61

2.

Retail Trade

33,933

270,43

187,30

5,201

68,44

59,77

VII.

FINANCE

224

26,77

22,40

30

2,92

2,82

VIII.

ALL OTHERS

35,721

278,49

256,04

10,819

213,27

195,65

TOTAL BANK CREDIT

2,43,897

3361,34

2805,77

73,418

3237,81

2667,29

OF WHICH:

1. Artisans & Village Industries

2,571

15,24

13,14

603

19,63

16,80

2. Other Small Scale Industries

18,573

672,23

541,98

16,304

1057,10

844,04