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சொத்து வெளியீட்டாளர்

83569826

Table 6.1(b) : Scheduled Commercial Banks' Advances Under Priority Sectors : 2004

 

(Amount in Rs. crore)

               
 

As on the last reporting Friday of March

               
       

Agriculture

   
               

Region/State/

Direct

Indirect

Total

Union Territory

             
 

No. of

 

Amount

No. of

Amount

No. of

Amount

 

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

               
 

(1)

 

(2)

(3)

(4)

(5)=(1)+(3)

(6)=(2)+(4)

               

Northern Region

2208963

 

14102

22256

7929

2231219

22031

Haryana

420039

 

2981

4162

501

424201

3483

Himachal Pradesh

134312

 

402

88

38

134400

440

Jammu & Kashmir

33523

 

180

1085

733

34608

913

Punjab

700298

 

5567

10265

1157

710563

6724

Rajasthan

858903

 

3731

6065

901

864968

4632

Chandigarh

23310

 

369

208

1659

23518

2027

Delhi

38578

 

871

383

2940

38961

3811

               

North-Eastern Region

194243

 

512

7114

90

201357

603

Assam

87004

 

364

1440

32

88444

396

Manipur

5623

 

20

65

2

5688

21

Meghalaya

8724

 

18

9

43

8733

61

Nagaland

13170

 

20

312

4

13482

24

Tripura

67562

 

68

2792

8

70354

76

Arunachal Pradesh

7049

 

15

2496

2

9545

17

Mizoram

5111

 

7

5111

7

               

Eastern Region

2216500

 

6614

55602

1739

2272102

8353

Bihar

771420

 

1648

12406

133

783826

1781

Jharkhand

265662

 

436

4680

51

270342

487

Orissa

472311

 

1038

13091

136

485402

1174

Sikkim

5374

 

11

5374

11

West Bengal

700099

 

3478

25410

1418

725509

4896

Andaman and Nicobar

1634

 

4

15

1

1649

4

               

Central Region

3258945

 

13346

28082

1097

3287027

14443

Madhya Pradesh

634712

 

4390

4998

347

639710

4737

Chhattisgarh

110283

 

538

1177

30

111460

569

Uttar Pradesh

2342780

 

7890

21093

683

2363873

8572

Uttaranchal

171170

 

528

814

37

171984

564

               

Western Region

3133078

 

9359

33128

10819

3166206

20179

Gujarat

2184341

 

2943

6479

1732

2190820

4675

Maharashtra

933932

 

6329

26483

9080

960415

15409

Daman and Diu

111

 

2

113

1

Goa

13863

 

85

164

7

14027

92

Dadra & Nagar Haveli

831

 

1

831

1

               

Southern Region

8622590

 

26848

118762

6845

8741352

33694

Andhra Pradesh

2336822

 

8513

79805

1436

2416627

9949

Karnataka

1498784

 

6730

19165

3291

1517949

10020

Kerala

1097296

 

3264

4463

476

1101759

3740

Tamil Nadu

3649614

 

8271

15201

1641

3664815

9912

Pondicherry

39584

 

69

125

2

39709

71

Lakshadweep

490

 

2

3

493

2

               

All India

19634319

 

70781

264944

28520

19899263

99302

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

 

 

 

(Amount in Rs. crore)

                 
 

As on the last reporting Friday of March

                 

Region/State/

Small Scale Industries

Of total SSI advances,

term loans

Of term loans (SSI),
comp.loans to artisan,
village
and cottage industries

Of total advances to SSI,

adv. to cottage, village

and tiny industries

Union Territory

   
         
 

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

 

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

 

(7)

(8)

(9)

(10)

(11)

(12)

(13)

(14)

                 

Northern Region

280198

15721

128530

2445

63690

489

112745

3258

Haryana

46710

2360

20549

279

11014

55

14244

413

Himachal Pradesh

17971

291

10323

94

6241

33

5082

57

Jammu & Kashmir

20151

490

10921

148

9689

55

4749

54

Punjab

100180

4668

52284

789

25311

200

32388

1348

Rajasthan

60093

2279

26667

561

9321

93

44167

724

Chandigarh

3408

400

976

67

305

12

851

31

Delhi

31685

5233

6810

507

1809

40

11264

631

                 

North-Eastern Region

42833

457

27904

224

16291

110

34156

254

Assam

25488

330

13528

142

6597

60

18024

159

Manipur

2752

24

2081

16

812

5

2232

19

Meghalaya

3218

34

2396

22

1580

14

2949

21

Nagaland

2301

23

1787

15

1188

11

2232

18

Tripura

7351

30

6781

17

5150

10

7032

20

Arunachal Pradesh

669

7

540

5

387

4

669

7

Mizoram

1054

10

791

6

577

6

1018

10

                 

Eastern Region

555683

6245

221209

1269

116819

354

307013

2010

Bihar

89635

644

38824

290

15782

61

49937

293

Jharkhand

37060

637

14378

185

6393

66

22937

293

Orissa

42272

860

23936

202

10659

119

24017

216

Sikkim

379

7

29

1

21

314

4

West Bengal

385438

4056

143897

576

83946

107

209456

1199

Andaman and Nicobar

899

41

145

14

18

352

4

                 

Central Region

255339

7294

133635

1904

64023

443

153186

2732

Madhya Pradesh

53195

1752

26932

587

12443

141

34617

982

Chhattisgarh

14664

528

9784

194

5261

32

10313

251

Uttar Pradesh

178042

4743

91279

1008

44345

255

102329

1411

Uttaranchal

9438

271

5640

114

1974

15

5927

88

                 

Western Region

171207

21317

53770

3021

18220

243

73927

4208

Gujarat

57274

3860

19075

857

8007

81

23872

1117

Maharashtra

110026

17249

33517

2132

9919

160

48109

3056

Daman and Diu

366

24

233

9

108

1

272

8

Goa

3225

170

751

21

127

2

1518

26

Dadra & Nagar Haveli

316

14

194

3

59

156

                 

Southern Region

501351

20174

204265

4892

83629

515

304173

5294

Andhra Pradesh

73279

4111

35208

1796

6232

237

33415

957

Karnataka

70807

4095

30383

939

11835

90

39886

1123

Kerala

112954

2532

29313

442

8099

59

56400

603

Tamil Nadu

242691

9344

108863

1691

57382

128

174051

2602

Pondicherry

1584

91

478

24

75

1

421

10

Lakshadweep

36

1

20

1

6

                 

All India

1806611

71209

769313

13755

362672

2154

985200

17757

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

 

 

                 
 

(Amount in Rs. crore)

                 
 

As on the last reporting Friday of March

                 

Region/State/

Advances to Agro

industries

Advances to units with

P & M upto Rs.5 lakh

Advances to units
with P&M between
Rs.5 & 25 lakh

Advances to units with

P&M above Rs.25 lakh

Union Territory

         
 

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

 

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

 

(15)

(16)

(17)

(18)

(19)

(20)

(21)

(22)

                 

Northern Region

498

151

172655

2359

31826

2979

22928

6060

Haryana

149

69

26229

342

6513

361

3161

735

Himachal Pradesh

11025

101

501

23

227

43

Jammu & Kashmir

11

1

15601

121

1490

80

443

173

Punjab

199

41

62446

830

9037

1161

8360

1223

Rajasthan

97

12

41701

494

6860

413

3254

832

Chandigarh

6

2

1562

43

663

65

473

174

Delhi

36

26

14091

428

6762

877

7010

2880

                 

North-Eastern Region

4026

17

38455

228

1389

85

390

142

Assam

1183

12

21790

147

1078

62

246

81

Manipur

182

3

2582

18

40

3

7

1

Meghalaya

43

2929

16

83

6

17

8

Nagaland

1

2239

16

44

3

11

4

Tripura

2608

2

7225

18

111

8

15

5

Arunachal Pradesh

9

643

5

26

2

91

44

Mizoram

1047

9

7

1

3

1

                 

Eastern Region

59925

103

329304

1795

34650

1702

16252

1893

Bihar

2848

9

44402

231

11762

142

5959

130

Jharkhand

163

1

24323

289

7065

138

3084

139

Orissa

1672

27

27867

202

2758

140

2106

448

Sikkim

334

3

17

1

24

2

West Bengal

55215

66

231870

1063

13011

1269

5056

1167

Andaman and Nicobar

27

508

7

37

12

23

7

                 

Central Region

5931

122

167339

2080

23745

1496

12915

2246

Madhya Pradesh

2474

36

40249

787

4352

357

2884

407

Chhattisgarh

324

32

11260

178

1624

135

633

169

Uttar Pradesh

2971

42

110208

1059

16410

943

9103

1589

Uttaranchal

162

11

5622

56

1359

61

295

82

                 

Western Region

2033

199

84428

3053

52620

3140

21544

9011

Gujarat

1756

116

28319

781

14176

744

8933

1574

Maharashtra

248

83

53811

2221

37485

2351

12209

7357

Daman and Diu

272

7

49

6

31

8

Goa

29

1

1819

42

859

36

309

64

Dadra & Nagar Haveli

207

2

51

4

62

9

                 

Southern Region

14996

864

244259

4162

177883

5468

44730

8640

Andhra Pradesh

9277

456

42638

892

14343

1163

8179

1792

Karnataka

1226

79

42499

879

12393

856

7613

1983

Kerala

2384

188

76166

573

21838

715

5694

936

Tamil Nadu

2091

140

82208

1801

129036

2706

22781

3891

Pondicherry

18

1

748

15

273

28

463

38

Lakshadweep

                 

All India

87409

1456

1036440

13677

322113

14870

118759

27993

                 

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

 

                     
 

(Amount in Rs. crore)

                     
 

As on the last reporting Friday of March

                     

Region/State/

Setting up of

industrial estates

Small road and water

transport operators

Retail trade

Small business

Professional and

self employed

Union Territory

 

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

Accounts

Outstan-

Accounts

Outstan-

Accounts

Outstan-

Accounts

Outstan-

Accounts

Outstan-

   

ding

 

ding

 

ding

 

ding

 

ding

                     
 

(23)

(24)

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

                     

Northern Region

731

26

86279

1525

476870

3377

259773

1697

91248

610

Haryana

1

10086

109

89081

576

31688

188

11326

74

Himachal Pradesh

4

9372

135

32770

193

28821

133

3653

20

Jammu & Kashmir

11685

208

47500

439

10697

96

6287

43

Punjab

25477

277

133663

859

67822

354

28068

123

Rajasthan

726

25

15174

377

143653

789

106477

536

29397

149

Chandigarh

1552

65

7588

89

2775

36

1466

10

Delhi

12933

353

22615

432

11493

354

11051

191

                     

North-Eastern Region

11

20191

187

155657

466

41171

187

20082

98

Assam

8

12838

125

108467

289

25951

128

16139

74

Manipur

417

4

3632

21

2223

10

705

5

Meghalaya

1885

20

11977

40

1604

7

487

5

Nagaland

717

6

2185

17

582

7

380

6

Tripura

3

3536

22

26436

69

10486

23

2032

5

Arunachal Pradesh

477

5

1749

19

224

3

188

2

Mizoram

321

5

1211

11

101

10

151

1

                     

Eastern Region

55

6

109801

832

698449

2868

438528

1491

196345

731

Bihar

22

32120

125

206461

558

131357

380

54253

178

Jharkhand

3

12462

115

84762

393

54575

168

19887

70

Orissa

4

5

18559

169

161501

754

120842

378

52962

151

Sikkim

223

3

545

28

1580

21

130

3

West Bengal

26

1

45867

410

243534

1104

128607

527

68516

313

Andaman and Nicobar

570

10

1646

31

1567

16

597

14

                     

Central Region

6

12

81156

923

613511

3078

360483

1638

153024

700

Madhya Pradesh

6

12

16835

232

180308

954

79287

471

44352

230

Chhattisgarh

6927

66

38743

203

33482

160

9813

44

Uttar Pradesh

49703

538

365972

1775

218535

886

86445

378

Uttaranchal

7691

87

28488

146

29179

121

12414

48

                     

Western Region

27

39

136410

1836

328823

1858

333605

1658

207796

1373

Gujarat

19

4

63659

277

54677

405

87680

425

62927

227

Maharashtra

7

35

67007

1472

264371

1384

237063

1170

139101

1113

Daman and Diu

34

1

101

1

277

1

37

Goa

1

5658

86

9326

66

8260

60

5714

33

Dadra & Nagar Haveli

52

1

348

2

325

2

17

                     

Southern Region

954

66

181136

3328

925188

4581

732305

2632

500408

2192

Andhra Pradesh

7

58

41463

702

214645

1091

149047

568

110555

589

Karnataka

6

1

69383

1012

223722

1066

132009

525

89276

575

Kerala

935

6

39013

410

214201

1225

172907

694

101450

273

Tamil Nadu

6

1

30402

1197

266663

1171

267059

827

194144

744

Pondicherry

804

7

5584

25

11223

18

4934

11

Lakshadweep

71

373

2

60

49

                     

All India

1784

149

614973

8631

3198498

16228

2165865

9303

1168903

5703

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

 

 

                 
 

(Amount in Rs. crore)

                 
 

As on the last reporting Friday of March

                 

Region/State/

Educational loan

Consumption loan

SC/ST orgn. for onlending to other

priority sectors

SSO for SC/ST for

purchase and supply

of inputs

Union Territory

       
         
 

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

 

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

                 
 

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

                 

Northern Region

39860

535

25996

197

363

70

29

7

Haryana

5088

79

1684

8

52

1

10

Himachal Pradesh

1009

15

3349

16

2

Jammu & Kashmir

847

14

29

98

1

Punjab

5623

102

3269

20

104

1

2

Rajasthan

11539

90

13812

48

60

7

Chandigarh

1440

24

157

7

15

5

Delhi

14314

212

3696

98

32

63

10

6

                 

North-Eastern Region

1435

24

16569

81

24

948

Assam

1124

17

10252

53

13

948

Manipur

28

1

96

1

8

Meghalaya

133

3

157

4

1

Nagaland

2

11

Tripura

77

1

510

6

2

Arunachal Pradesh

30

1

48

Mizoram

41

1

5495

17

                 

Eastern Region

29863

314

67065

884

1101

54

183

Bihar

9977

70

21508

178

109

28

Jharkhand

3548

40

2876

58

35

Orissa

7428

65

3441

57

531

3

12

Sikkim

20

642

3

West Bengal

8868

139

38408

587

420

50

143

Andaman and Nicobar

22

190

1

6

                 

Central Region

58940

487

36741

164

3464

70

2688

13

Madhya Pradesh

16793

159

7002

19

3363

68

2666

13

Chhattisgarh

2593

32

457

2

13

4

Uttar Pradesh

32097

263

17791

85

79

2

18

Uttaranchal

7457

32

11491

58

9

                 

Western Region

36781

592

66972

292

1733

809

222

4

Gujarat

6771

142

9356

59

1268

51

147

1

Maharashtra

28820

439

57121

230

457

759

72

4

Daman and Diu

4

45

Goa

1186

11

450

2

8

3

Dadra & Nagar Haveli

                 

Southern Region

194641

2442

79824

459

22519

768

2143

29

Andhra Pradesh

65530

881

27867

231

9011

147

1760

26

Karnataka

33651

403

11704

43

1262

71

143

2

Kerala

38487

469

16784

84

6524

241

10

Tamil Nadu

55786

677

23028

96

5357

300

230

1

Pondicherry

1151

11

403

365

9

Lakshadweep

36

1

38

5

                 

All India

361520

4393

293167

2077

29204

2719

5265

53

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

 

 

                 
             

(Amount in Rs. crore)

                 
     

As on the last reporting Friday of March

   
                 

Region/State/

Housing loans

Housing loans

Total

housing

Funds

provided

Union Territory

(Direct

finance)

(Indirect finance)

loans

to Regional

             

Rural Banks

 

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

 

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

                 
 

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

                 

Northern Region

293597

9919

79791

5515

373388

15434

Haryana

42225

1143

3018

137

45243

1280

Himachal Pradesh

14664

342

97

1

14761

343

Jammu & Kashmir

6769

168

194

175

6963

343

Punjab

82915

2226

9549

189

92464

2415

Rajasthan

78392

2260

4875

219

83267

2479

Chandigarh

20484

708

7461

163

27945

871

Delhi

48148

3073

54597

4630

102745

7703

                 

North-Eastern Region

14673

385

69

1

14742

387

Assam

9176

231

58

1

9234

232

Manipur

1621

41

1621

41

Meghalaya

780

28

5

785

28

Nagaland

71

3

71

3

Tripura

1005

17

6

1011

17

Arunachal Pradesh

47

3

47

3

Mizoram

1973

62

1973

62

                 

Eastern Region

236132

5702

3922

286

240054

5988

2

2

Bihar

19011

388

312

6

19323

394

Jharkhand

14862

330

236

3

15098

333

1

Orissa

116038

2451

515

47

116553

2498

1

2

Sikkim

2797

88

2797

88

West Bengal

82842

2424

2851

174

85693

2598

Andaman and Nicobar

582

22

8

55

590

77

                 

Central Region

312333

6005

16426

513

328759

6518

5

3

Madhya Pradesh

70921

2180

4186

67

75107

2247

3

3

Chhattisgarh

16122

362

1532

14

17654

377

Uttar Pradesh

205512

3092

10270

424

215782

3516

2

Uttaranchal

19778

371

438

8

20216

378

                 

Western Region

324930

13037

21406

7927

346336

20965

30

1

Gujarat

72821

2385

4516

180

77337

2565

Maharashtra

244802

10465

16874

7745

261676

18210

30

1

Daman and Diu

175

4

175

4

Goa

7056

182

16

1

7072

184

Dadra & Nagar Haveli

76

2

76

2

                 

Southern Region

717633

22798

35512

4494

753145

27292

10

32

Andhra Pradesh

223164

5807

10367

440

233531

6247

4

20

Karnataka

176213

6377

9945

2194

186158

8571

5

12

Kerala

176203

4414

459

98

176662

4513

1

1

Tamil Nadu

138035

6126

13583

1740

151618

7867

Pondicherry

4003

73

1158

20

5161

93

Lakshadweep

15

1

15

1

                 

All India

1899298

57846

157126

18736

2056424

76582

47

38

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

 

 

                 
             

(Amount in Rs. crore)

                 
     

As on the last reporting Friday of March

   
                 

Region/State/

Advances to

Advances

to software Advances to

food and agro

Investments in

Union Territory

self help group

industries having credit

based processing sector

venture capital

     

limit upto Rs.1 crore

not satisfying SSI norms

   
 

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

 

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

                 
 

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

                 

Northern Region

12140

58

1166

23

555

993

2

80

Haryana

1796

13

16

2

113

120

Himachal Pradesh

2729

11

2

4

9

Jammu & Kashmir

147

1

1

Punjab

2065

8

215

3

79

140

Rajasthan

4830

13

98

1

23

5

Chandigarh

50

6

1

113

48

Delhi

523

12

829

16

222

671

2

80

                 

North-Eastern Region

3474

26

3

166

19

13

2

Assam

2746

18

2

44

13

Manipur

12

1

36

2

Meghalaya

206

1

13

Nagaland

66

1

22

1

9

2

Tripura

380

2

17

1

Arunachal Pradesh

12

3

17

1

Mizoram

52

1

17

1

4

                 

Eastern Region

69851

122

333

14

2640

248

Bihar

7137

22

18

35

45

Jharkhand

3201

13

12

4

Orissa

44907

58

72

3

1747

131

Sikkim

113

West Bengal

14489

29

231

11

854

72

Andaman and Nicobar

4

                 

Central Region

27326

127

426

5

3384

1564

Madhya Pradesh

8372

31

154

2

125

235

Chhattisgarh

3514

12

12

6

11

Uttar Pradesh

13543

70

195

4

3228

1234

Uttaranchal

1897

15

65

25

84

                 

Western Region

24086

100

1975

40

359

553

4

45

Gujarat

1775

26

240

2

166

197

1

Maharashtra

22112

74

1719

37

193

356

3

45

Daman and Diu

Goa

199

16

Dadra & Nagar Haveli

                 

Southern Region

326057

969

4145

78

6947

1099

16

25

Andhra Pradesh

248018

498

843

15

2833

324

3

Karnataka

9529

86

1697

28

213

75

10

25

Kerala

9436

34

208

8

3438

189

2

Tamil Nadu

58628

349

1362

26

385

510

1

Pondicherry

446

3

35

78

1

Lakshadweep

                 

All India

462934

1402

8048

160

14051

4477

35

152

                 

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

 

 

 

(Amount in Rs. crore)

                 
 

As on the last reporting Friday of March

                 

Region/State/

Export Credit (Preshipment and Postshipment) by foreign banks

Total advances

under priority sectors

Union Territory

           
 

SSI sector

Non SSI sector

Total export credit

   
 

No. of

Amount

No. of

Amount

No. of

Amount

No. of

Amount

 

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

Accounts

Outstanding

                 
 

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

                 

Northern Region

180

94

356

1406

536

1500

3880173

63790

Haryana

1

2

12

54

13

56

667107

8347

Himachal Pradesh

248847

1606

Jammu & Kashmir

139013

2548

Punjab

5

11

5

11

1169599

15704

Rajasthan

2

10

2

10

1334126

11435

Chandigarh

1

4

1

4

70034

3586

Delhi

179

92

336

1327

515

1419

251447

20562

                 

North-Eastern Region

517728

3482

Assam

300750

2624

Manipur

17219

129

Meghalaya

29199

202

Nagaland

19828

90

Tripura

122195

251

Arunachal Pradesh

13006

61

Mizoram

15531

125

                 

Eastern Region

13

10

179

364

192

374

4682234

28516

Bihar

1355809

4376

Jharkhand

503866

2315

Orissa

1056234

6308

Sikkim

11803

165

West Bengal

13

10

179

364

192

374

1746782

15156

Andaman and Nicobar

7740

195

                 

Central Region

14

91

14

91

5212292

37130

Madhya Pradesh

3

22

3

22

1127280

11185

Chhattisgarh

239342

2002

Uttar Pradesh

11

69

11

69

3545316

22137

Uttaranchal

300354

1806

                 

Western Region

363

833

701

5690

1064

6523

4823258

77351

Gujarat

8

1

54

218

62

219

2614171

13135

Maharashtra

355

832

647

5472

1002

6304

2150825

63459

Daman and Diu

1152

32

Goa

55145

705

Dadra & Nagar Haveli

1965

21

                 

Southern Region

128

49

320

1223

448

1272

12972457

101067

Andhra Pradesh

6

1

32

157

38

157

3595053

25602

Karnataka

35

10

64

332

99

341

2347586

26938

Kerala

10

8

10

8

1994781

14428

Tamil Nadu

87

39

214

727

301

765

4962389

33747

Pondicherry

71477

341

Lakshadweep

1171

11

                 

All India

684

986

1570

8775

2254

9760

32088142

311336

Source : Half yearly returns on priority sector advances, Rural Planning & Credit Department, RBI.

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