(Amount in ` Billion)

I. AGRICULTURE

11441478

1528.27

1017.49

20194106

4224.71

2418.49

1. Direct Finance

11239846

1359.73

899.25

18286114

2295.48

1829.51

2. Indirect Finance

201632

168.54

118.24

1907992

1929.24

588.98

II. INDUSTRY

472605

6367.40

4134.41

974968

14242.36

8937.96

1. Mining & Quarrying

9984

248.55

153.65

10758

391.91

277.91

2. Food Manufacturing & Processing

95349

466.42

350.41

98062

916.72

484.50

(a) Rice Mills, Flour & Dal Mills

26597

147.01

118.32

28062

217.87

110.01

(b) Sugar

819

92.22

67.98

1320

226.45

161.87

(c) Edible Oils & Vanaspati

5000

71.72

52.34

6507

132.42

55.78

(d) Tea Processing

463

4.37

3.08

1199

22.06

8.61

(e) Processing of Fruits & Vegetables

1796

12.69

9.59

1663

16.39

9.70

(f) Others

60674

138.41

99.10

59311

301.54

138.53

3. Beverage & Tobacco

3313

51.34

39.75

4146

100.65

76.35

4. Textiles

86276

706.84

528.15

184427

2057.60

882.16

(a) Cotton Textiles

17979

317.24

234.51

40654

712.82

443.53

(b) Jute & Other Natural Fibre Textiles

2600

5.85

4.05

6965

23.13

12.77

(c) Handloom Textiles & Khadi

14458

12.66

10.47

17229

28.70

15.38

(d) Other Textiles & Textile Products

51239

371.09

279.12

119579

1292.94

410.48

5. Paper, Paper Products & Printing

16194

115.38

81.38

29125

240.74

165.65

6. Woods and Wood Products

12963

16.65

12.81

24403

30.80

23.43

7. Leather & Leather Products

7579

26.22

21.14

21271

188.34

48.80

8. Gems and Jewellery

6904

216.17

112.94

11380

425.06

155.02

9. Rubber & Plastic Products

11254

122.85

79.13

26734

206.20

146.84

10. Chemicals & Chemical Products

19918

444.39

251.88

43666

644.83

375.56

(a) Heavy Industrial Chemicals

2337

60.72

38.68

4992

117.94

72.19

(b) Fertilisers

723

58.93

21.17

1271

75.82

33.33

(c) Drugs & Pharmaceuticals

3140

133.13

95.83

16460

292.23

161.82

(d) Non-Edible Oils

944

11.88

9.88

648

11.49

7.73

(e) Other Chemicals & Chemical Products

12774

179.73

86.33

20295

147.36

100.50

11. Petroleum, Coal Products & Nuclear Fuels

1052

373.26

238.60

2654

415.14

306.94

12. Manufacture of Cement & Cement Products

9575

72.14

50.45

11137

238.03

170.76

13. Basic Metals & Metal Products

29712

1075.93

690.54

66891

2029.82

1273.84

(a) Iron & Steel

11216

831.33

509.09

18195

1571.84

956.78

(b) Non-Ferrous Metals

4489

187.23

140.01

5779

197.41

139.93

(c) Metal Products

14007

57.37

41.44

42917

260.57

177.13

14. Engineering

45051

490.44

341.72

105417

863.94

616.68

(a) Heavy Engineering

4645

78.23

48.31

11177

140.62

95.74

(b) Light Engineering

29110

208.14

152.60

65204

308.49

227.02

(c) Electrical Machinery & Goods

8430

143.44

94.43

21439

297.37

204.05

(d) Electronic Machinery & Goods

2866

60.62

46.38

7597

117.46

89.88

15. Vehicles,Vehicle Parts & Transport Equipments

6094

165.55

112.32

23139

352.48

233.94

16. Other Industries

76887

130.32

91.29

191822

363.20

239.95

17. Electricity, Gas & Water

1995

661.35

311.27

5201

2075.42

1481.83

(a) Electricity Generation & Transmission

882

606.66

278.07

2793

1911.32

1355.35

(b) Non-Conventional Energy

206

24.09

15.20

757

84.17

60.74

(c) Gas, Steam & Water Supply

907

30.60

18.00

1651

79.93

65.75

18. Construction

32505

983.62

666.98

114735

2701.49

1977.82

(a) Other than Infrastructure

3438

139.30

94.97

63672

526.77

381.84

(b) Infrastructure Construction

29067

844.32

572.01

51063

2174.72

1595.98

III. TRANSPORT OPERATORS

108633

250.19

161.22

254922

770.37

593.27

IV. PROFESSIONAL AND OTHER SERVICES

185619

603.77

429.33

1095604

2948.94

2169.49

1. Professional Services

13785

16.06

12.44

236252

180.19

140.39

2. Tourism, Hotel & Restaurants

20790

127.42

84.60

75140

274.08

211.57

3. Recreation services

6943

19.05

13.67

12658

102.06

83.64

4. IT and Telecommunications

2345

111.47

93.22

6638

522.34

389.19

5. Others

141756

329.77

225.41

764916

1870.27

1344.70

V. PERSONAL LOANS

9698536

2896.43

2125.69

10572802

3221.60

2491.65

1. Housing

2095651

1499.71

1134.71

2616145

1534.43

1313.55

2. Consumer Durables

133025

5.53

2.87

312322

38.52

31.40

3. Vehicles

943867

274.83

198.67

773925

189.88

151.46

4. Education

748081

215.08

152.53

1319596

311.10

258.01

5. Personal Credit Cards

0

0.00

0.00

759200

39.96

32.76

6. Others

5777912

901.29

636.92

4791614

1107.71

704.47

VI. TRADE

1229204

2705.27

736.93

3449838

2758.61

1796.93

1. Wholesale Trade

37487

1511.68

390.07

327864

1268.56

867.16

2. Retail Trade

1191717

1193.59

346.86

3121974

1490.05

929.77

VII. FINANCE

6757

386.09

297.09

158939

3734.14

2246.77

VIII. ALL OTHERS

73185

26.76

20.44

1950798

2316.48

943.46

TOTAL BANK CREDIT

23216017

14764.18

8922.61

38651977

34217.22

21598.03

Note : 1. Data reported here cover all bank branches in India and include bills rediscounted under the New Bill Market Scheme and also dues from banks.
2. $ Includes IDBI Bank Ltd.
Source : Basic Statistical Returns of scheduled commercial banks in India, Volume 40, March 2011.

TABLE 5.1 : BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED
COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2011(Contd.)

(Amount in ` Billion)

I. AGRICULTURE

730

129.68

14.01

11505311

614.26

534.53

1. Direct Finance

157

11.93

4.36

11364267

598.04

521.81

2. Indirect Finance

573

117.75

9.65

141044

16.22

12.72

II. INDUSTRY

39278

6012.99

819.80

516253

36.75

29.08

1. Mining & Quarrying

959

37.53

15.33

806

0.62

0.42

2. Food Manufacturing & Processing

3793

100.58

29.76

118768

5.84

4.53

(a) Rice Mills, Flour & Dal Mills

1291

8.08

5.98

57188

2.53

1.90

(b) Sugar

17

5.18

4.71

37

0.02

0.02

(c) Edible Oils & Vanaspati

63

38.78

3.80

1575

0.29

0.22

(d) Tea Processing

2

0.06

0.06

888

0.17

0.16

(e) Processing of Fruits & Vegetables

16

0.93

0.60

155

0.14

0.13

(f) Others

2404

47.55

14.62

58925

2.69

2.12

3. Beverage & Tobacco

304

136.01

27.71

197

0.13

0.09

4. Textiles

4232

296.07

40.53

41613

3.82

2.81

(a) Cotton Textiles

1184

170.82

12.86

5264

1.26

0.78

(b) Jute & Other Natural Fibre Textiles

34

0.50

0.00

2213

0.18

0.14

(c) Handloom Textiles & Khadi

187

2.21

0.70

18286

1.21

0.96

(d) Other Textiles & Textile Products

2827

122.54

26.96

15850

1.17

0.93

5. Paper, Paper Products & Printing

2784

512.02

28.83

3514

0.32

0.25

6. Woods and Wood Products

25

0.69

0.51

10314

0.60

0.48

7. Leather & Leather Products

362

19.00

5.18

16286

0.42

0.26

8. Gems and Jewellery

254

14.92

9.42

41877

1.42

1.35

9. Rubber & Plastic Products

1665

63.37

22.94

9186

0.40

0.34

10. Chemicals & Chemical Products

5684

877.41

143.12

4838

0.49

0.44

(a) Heavy Industrial Chemicals

1411

45.04

18.52

36

0.14

0.13

(b) Fertilisers

72

10.72

4.02

1757

0.08

0.08

(c) Drugs & Pharmaceuticals

1471

338.13

77.78

2194

0.10

0.09

(d) Non-Edible Oils

3

0.50

0.35

13

0.01

0.01

(e) Other Chemicals & Chemical Products

2727

483.01

42.44

838

0.17

0.14

11. Petroleum, Coal Products & Nuclear Fuels

284

149.26

55.53

23

0.01

0.01

12. Manufacture of Cement & Cement Products

120

44.50

12.94

2118

0.26

0.20

13. Basic Metals & Metal Products

4288

596.00

102.92

4704

0.72

0.57

(a) Iron & Steel

792

224.92

33.81

104

0.16

0.12

(b) Non-Ferrous Metals

425

172.90

39.86

118

0.10

0.05

(c) Metal Products

3071

198.18

29.25

4482

0.47

0.40

14.Engineering

6034

978.50

113.64

8348

0.79

0.61

(a) Heavy Engineering

731

178.13

23.98

443

0.20

0.16

(b) Light Engineering

2530

263.52

25.03

3679

0.31

0.23

(c) Electrical Machinery & Goods

2315

467.23

41.73

2328

0.16

0.13

(d) Electronic Machinery & Goods

458

69.62

22.91

1898

0.12

0.09

15. Vehicles,Vehicle Parts & Transport Equipments

1862

218.12

74.29

12329

0.85

0.64

16. Other Industries

3043

187.18

24.88

215977

9.52

7.18

17. Electricity, Gas & Water

65

73.56

6.76

388

0.40

0.35

(a) Electricity Generation & Transmission

38

27.75

4.82

21

0.01

0.01

(b) Non-Conventional Energy

6

1.97

0.80

320

0.34

0.31

(c) Gas, Steam & Water Supply

21

43.84

1.14

47

0.05

0.03

18. Construction

3520

1708.27

105.53

24967

10.13

8.55

(a) Other than Infrastructure

1209

686.95

36.03

17550

9.08

7.72

(b) Infrastructure Construction

2311

1021.32

69.50

7417

1.05

0.83

III. TRANSPORT OPERATORS

1309

230.65

20.13

120512

18.88

14.54

IV. PROFESSIONAL AND OTHER SERVICES

31193

5084.27

305.11

537491

28.77

22.60

1. Professional Services

12330

186.41

41.14

142812

5.96

4.67

2. Tourism, Hotel & Restaurants

709

226.08

15.11

17891

2.22

1.59

3. Recreation services

1470

42.72

7.84

6440

0.38

0.35

4. IT and Telecommunications

7532

3254.55

86.04

111

0.07

0.05

5. Others

9152

1374.52

154.99

370237

20.15

15.94

V. PERSONAL LOANS

5395120

802.79

362.83

2658292

217.42

166.74

1. Housing

96274

275.71

220.95

319083

65.06

53.24

2. Consumer Durables

183

0.05

0.03

245498

23.85

17.46

3. Vehicles

1563

0.74

0.73

119883

12.80

10.07

4. Education

283

0.48

0.44

68773

9.20

8.26

5. Personal Credit Cards

4882485

388.66

56.77

336827

14.14

11.32

6. Others

414332

137.15

83.91

1568228

92.36

66.39

VI. TRADE

20227

841.30

153.29

1748614

93.98

74.70

1. Wholesale Trade

5077

653.29

95.11

94494

8.36

6.76

2. Retail Trade

15150

188.00

58.18

1654120

85.62

67.94

VII. FINANCE

9115

2218.20

250.01

744538

60.03

43.75

VIII. ALL OTHERS

2461

393.82

70.35

2225423

115.47

95.25

TOTAL BANK CREDIT

5499433

15713.69

1995.54

20056434

1185.56

981.19

Note : Data reported here cover all bank branches in India and include bills rediscounted under the New Bill Market Scheme and also dues from banks.
Source : Basic Statistical Returns of scheduled commercial banks in India, Volume 40, March 2011.

TABLE 5.1 : BANK GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED
COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2011(Concld.)

(Amount in ` Billion)

I. AGRICULTURE

3497476

789.91

625.70

46639101

7286.84

4610.22

1. Direct Finance

3450735

657.35

524.99

44341119

4922.53

3779.92

2. Indirect Finance

46741

132.56

100.71

2297982

2364.32

830.30

II. INDUSTRY

335843

3310.06

2199.21

2338947

29969.57

16120.47

1. Mining & Quarrying

2217

92.75

60.91

24724

771.35

508.22

2. Food Manufacturing & Processing

24069

212.39

162.13

340041

1701.95

1031.34

(a) Rice Mills, Flour & Dal Mills

4100

38.33

30.55

117238

413.80

266.75

(b) Sugar

322

31.25

24.60

2515

355.12

259.17

(c) Edible Oils & Vanaspati

3780

30.40

23.61

16925

273.61

135.76

(d) Tea Processing

1345

3.05

1.92

3897

29.71

13.83

(e) Processing of Fruits & Vegetables

411

7.90

6.37

4041

38.04

26.39

(f) Others

14111

101.47

75.07

195425

591.67

329.43

3. Beverage & Tobacco

732

37.36

27.95

8692

325.49

171.86

4. Textiles

60798

276.08

202.85

377346

3340.41

1656.49

(a) Cotton Textiles

21238

146.92

110.26

86319

1349.07

801.94

(b) Jute & Other Natural Fibre Textiles

1189

4.44

3.27

13001

34.10

20.23

(c) Handloom Textiles & Khadi

9985

4.02

2.27

60145

48.80

29.77

(d) Other Textiles & Textile Products

28386

120.70

87.06

217881

1908.44

804.55

5. Paper, Paper Products & Printing

9530

66.28

47.79

61147

934.74

323.91

6. Woods and Wood Products

5075

14.00

11.28

52780

62.73

48.50

7. Leather & Leather Products

4233

15.95

11.93

49731

249.92

87.30

8. Gems and Jewellery

6465

37.99

31.84

66880

695.57

310.57

9. Rubber & Plastic Products

5484

66.44

48.08

54323

459.26

297.32

10. Chemicals & Chemical Products

11003

254.16

181.84

85109

2221.28

952.84

(a) Heavy Industrial Chemicals

976

21.87

14.78

9752

245.72

144.29

(b) Fertilisers

288

64.05

55.02

4111

209.59

113.62

(c) Drugs & Pharmaceuticals

2249

99.46

64.06

25514

863.05

399.57

(d) Non-Edible Oils

86

1.50

1.41

1694

25.37

19.37

(e) Other Chemicals & Chemical Products

7404

67.28

46.58

44038

877.55

275.99

11. Petroleum, Coal Products & Nuclear Fuels

872

113.05

70.33

4885

1050.72

671.40

12. Manufacture of Cement & Cement Products

2482

62.73

41.72

25432

417.66

276.07

13. Basic Metals & Metal Products

14427

383.34

242.12

120022

4085.80

2309.98

(a) Iron & Steel

4374

251.46

171.40

34681

2879.70

1671.19

(b) Non-Ferrous Metals

990

46.46

27.12

11801

604.08

346.98

(c) Metal Products

9063

85.42

43.59

73540

602.02

291.81

14. Engineering

15471

234.73

125.01

180321

2568.39

1197.66

(a) Heavy Engineering

3422

43.74

30.05

20418

440.93

198.24

(b) Light Engineering

6736

64.57

40.21

107259

845.05

445.08

(c) Electrical Machinery & Goods

3662

65.08

39.28

38174

973.26

379.61

(d) Electronic Machinery & Goods

1651

61.33

15.46

14470

309.16

174.73

15. Vehicles,Vehicle Parts & Transport Equipments

18061

177.61

114.65

61485

914.61

535.84

16. Other Industries

28292

117.14

65.43

516021

807.37

428.72

17. Electricity, Gas & Water

1048

295.96

150.68

8697

3106.70

1950.89

(a) Electricity Generation & Transmission

520

278.39

136.55

4254

2824.14

1774.80

(b) Non-Conventional Energy

247

13.55

11.04

1536

124.11

88.07

(c) Gas, Steam & Water Supply

281

4.02

3.10

2907

158.44

88.02

18. Construction

125584

852.10

602.68

301311

6255.61

3361.56

(a) Other than Infrastructure

96461

339.66

235.84

182330

1701.76

756.40

(b) Infrastructure Construction

29123

512.44

366.83

118981

4553.85

2605.16

III. TRANSPORT OPERATORS

498647

495.77

314.56

984023

1765.86

1103.72

IV. PROFESSIONAL AND OTHER SERVICES

346909

1194.56

754.33

2196816

9860.32

3680.87

1. Professional Services

16233

64.14

34.06

421412

452.76

232.69

2. Tourism, Hotel & Restaurants

12823

107.91

79.57

127353

737.71

392.45

3. Recreation services

2321

39.11

26.03

29832

203.32

131.53

4. IT and Telecommunications

1959

142.05

121.52

18585

4030.48

690.02

5. Others

313573

841.35

493.15

1599634

4436.06

2234.18

V. PERSONAL LOANS

24094361

2780.35

1554.43

52419111

9918.59

6701.35

1. Housing

856035

950.23

736.86

5983188

4325.15

3459.31

2. Consumer Durables

612479

26.01

13.88

1303507

93.97

65.64

3. Vehicles

3739168

535.47

296.24

5578406

1013.71

657.17

4. Education

215915

74.05

50.65

2352648

609.91

469.90

5. Personal Credit Cards

12389732

640.95

105.91

18368244

1083.72

206.76

6. Others

6281032

553.63

350.88

18833118

2792.14

1842.56

VI. TRADE

518480

792.86

570.72

6966363

7192.00

3332.58

1. Wholesale Trade

61635

414.95

277.24

526557

3856.83

1636.36

2. Retail Trade

456845

377.91

293.47

6439806

3335.17

1696.23

VII. FINANCE

32985

1077.27

671.18

952334

7475.73

3508.80

VIII. ALL OTHERS

3975533

833.89

568.97

8227400

3686.41

1698.47

TOTAL BANK CREDIT

33300234

11274.66

7259.11

120724095

77155.31

40756.47

Note : Data reported here cover all bank branches in India and include bills rediscounted under the New Bill Market Scheme and also dues from banks.
Source : Basic Statistical Returns of scheduled commercial banks in India, Volume 40, March 2011.