Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation March 1996 (Part 2 of 2) - ஆர்பிஐ - Reserve Bank of India
Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation
March 1996 (Part 2 of 2)
| | | | | | | (Amount in Rupees Lakh) | |||||||
| 16% AND ABOVE BUT | 17% AND ABOVE BUT | 18% AND ABOVE BUT | |||||||||||
LESS THAN 17% | LESS THAN 18% | LESS THAN 20% | ||||||||||||
No. of | Credit | Amount | No. of | Credit | Amount | No. of | Credit | Amount | ||||||
Accounts | Limit | Out- | Accounts | Limit | Out- | Accounts | Limit | Out- | ||||||
OCCUPATION | | | standing | | | | standing | | | | standing | |||
| | | 19 | 20 | 21 | | 22 | 23 | 24 | | 25 | 26 | 27 | |
I. | AGRICULTURE | 39,455 | 1296,73 | 1147,22 | 49,791 | 2520,63 | 2100,46 | 30,912 | 1786,02 | 1560,96 | ||||
1. | Direct Finance | 37,410 | 724,57 | 629,83 | 45,578 | 1097,99 | 961,24 | 28,381 | 1131,51 | 1028,67 | ||||
2. | Indirect Finance | 2,045 | 572,16 | 517,38 | 4,213 | 1422,64 | 1139,22 | 2,531 | 654,51 | 532,28 | ||||
II. | INDUSTRY | 65,062 | 9434,89 | 7989,26 | 91,121 | 18322,34 | 14967,71 | 99,580 | 37510,14 | 29597,90 | ||||
1. | Mining & Quarrying | 908 | 280,25 | 190,70 | 1,478 | 243,77 | 212,76 | 1,696 | 513,36 | 391,92 | ||||
2. | Food Manufacturing and Processing | 6,471 | 924,94 | 757,63 | 8,907 | 1604,00 | 1297,71 | 9,498 | 3115,89 | 2477,35 | ||||
(a) | Rice Mills, Flour and Dal Mills | 2,850 | 205,93 | 165,12 | 4,176 | 314,00 | 230,62 | 4,260 | 555,39 | 411,91 | ||||
(b) | Sugar | 151 | 121,38 | 90,36 | 205 | 478,49 | 409,47 | 336 | 773,14 | 638,90 | ||||
(c) | Edible Oils and Vanaspati | 1,069 | 168,03 | 126,00 | 1,547 | 283,89 | 226,62 | 1,342 | 603,39 | 485,86 | ||||
(d) | Tea Processing | 157 | 93,45 | 66,64 | 215 | 142,24 | 109,33 | 340 | 448,06 | 320,73 | ||||
(e) | Processing of Fruits & Vegetables | 141 | 10,80 | 8,47 | 161 | 14,94 | 13,95 | 269 | 52,67 | 44,76 | ||||
(f) | Others | 2,103 | 325,35 | 301,05 | 2,603 | 370,44 | 307,73 | 2,951 | 683,23 | 575,19 | ||||
3. | Beverage and Tobacco | 448 | 171,48 | 125,32 | 609 | 194,11 | 132,34 | 854 | 417,83 | 334,10 | ||||
4. | Textiles | 9,950 | 1397,00 | 1180,02 | 11,964 | 2297,31 | 1877,99 | 16,023 | 5510,58 | 4378,11 | ||||
(a) | Cotton Textiles | 2,712 | 611,80 | 542,79 | 3,514 | 1075,56 | 906,43 | 5,152 | 2135,27 | 1731,07 | ||||
(b) | Jute Textiles | 127 | 46,68 | 34,60 | 167 | 50,16 | 36,07 | 170 | 120,70 | 88,34 | ||||
(c) | Handloom Textiles & Khadi | 896 | 31,98 | 25,20 | 1,188 | 83,84 | 67,03 | 606 | 80,92 | 70,92 | ||||
(d) | Other Textiles | 6,215 | 706,54 | 577,43 | 7,095 | 1087,75 | 868,46 | 10,095 | 3173,69 | 2487,78 | ||||
5. | Paper, Paper Products and Printing | 3,390 | 292,74 | 270,06 | 4,497 | 589,84 | 505,01 | 5,748 | 1103,21 | 915,53 | ||||
6. | Leather and Leather Products | 975 | 121,02 | 105,45 | 1,203 | 112,70 | 115,83 | 1,485 | 284,20 | 286,10 | ||||
7. | Rubber and Rubber Products | 1,084 | 134,39 | 100,74 | 1,564 | 219,80 | 161,04 | 1,974 | 594,52 | 520,67 | ||||
8. | Chemicals and Chemical Products | 6,813 | 1521,26 | 1255,05 | 8,813 | 2607,53 | 2165,65 | 12,099 | 6404,07 | 4990,91 | ||||
(a) | Heavy Industrial Chemicals | 724 | 262,34 | 191,67 | 902 | 448,20 | 383,72 | 1,506 | 1293,00 | 992,01 | ||||
(b) | Fertilizers | 251 | 280,69 | 250,29 | 298 | 361,05 | 287,44 | 389 | 1028,37 | 727,19 | ||||
(c) | Drugs and Pharmaceuticals | 1,383 | 425,79 | 333,04 | 1,641 | 777,07 | 654,00 | 2,465 | 1593,10 | 1273,37 | ||||
(d) | Non-Edible Oils | 171 | 62,92 | 57,96 | 191 | 39,30 | 31,41 | 215 | 59,17 | 47,28 | ||||
(e) | Other Chemicals & Chemical Products | 4,284 | 489,52 | 422,09 | 5,781 | 981,91 | 809,07 | 7,524 | 2430,44 | 1951,06 | ||||
9. | Petroleum, Coal Products & Nuclear Fuels | 515 | 116,97 | 94,27 | 711 | 464,34 | 417,46 | 771 | 950,10 | 697,12 | ||||
10. | Manufacture of Cement & Cement Products | 679 | 169,94 | 135,14 | 966 | 346,43 | 262,32 | 885 | 1006,25 | 619,93 | ||||
11. | Basic Metals & Metal Products | 6,991 | 1009,17 | 943,95 | 9,756 | 2593,43 | 2207,58 | 11,441 | 5856,26 | 4640,74 | ||||
(a) | Iron and Steel | 2,323 | 572,65 | 558,84 | 3,326 | 1954,98 | 1662,18 | 4,714 | 4505,83 | 3521,05 | ||||
(b) | Non-Ferrous Metals | 462 | 60,18 | 48,64 | 697 | 163,80 | 133,99 | 841 | 389,60 | 327,12 | ||||
(c) | Other Metal Products | 4,206 | 376,35 | 336,48 | 5,733 | 474,64 | 411,41 | 5,886 | 960,84 | 792,56 | ||||
12. | Engineering | 8,106 | 1690,00 | 1441,01 | 11,734 | 3733,63 | 2979,90 | 13,995 | 6128,59 | 4890,00 | ||||
(a) | Heavy Engineering | 1,316 | 428,45 | 425,66 | 1,885 | 1256,93 | 1025,84 | 2,438 | 1873,65 | 1324,96 | ||||
(b) | Light Engineering | 3,436 | 473,75 | 408,73 | 4,921 | 902,22 | 675,52 | 5,352 | 1415,82 | 1170,47 | ||||
(c) | Electrical Machinery & Goods | 2,138 | 444,33 | 375,71 | 2,892 | 635,68 | 519,39 | 3,624 | 1453,29 | 1198,61 | ||||
(d) | Electronic Machinery & Goods | 1,216 | 343,46 | 230,91 | 2,036 | 938,80 | 759,15 | 2,581 | 1385,82 | 1195,96 | ||||
13. | Vehicles, Vehicle Parts & Transport Equipments | 2,135 | 340,81 | 290,79 | 3,557 | 805,37 | 622,61 | 4,149 | 1586,71 | 1059,27 | ||||
14. | Other Industries | 13,468 | 896,92 | 814,21 | 22,003 | 1566,97 | 1346,89 | 14,406 | 2387,56 | 1944,08 | ||||
15. | Electricity, Gas & Water | 1,253 | 175,14 | 125,10 | 1,013 | 625,38 | 374,54 | 738 | 811,23 | 671,89 | ||||
(a) | Electricity Generation & Transmission | 1,178 | 172,56 | 122,50 | 894 | 610,44 | 362,08 | 557 | 773,58 | 638,88 | ||||
(b) | Non-Conventional Energy | 23 | 73 | 69 | 32 | 2,39 | 2,41 | 54 | 17,26 | 15,31 | ||||
(c) | Gas, Steam & Water Supply | 52 | 1,85 | 1,91 | 87 | 12,55 | 10,05 | 127 | 20,39 | 17,70 | ||||
16. | Construction | 1,876 | 192,87 | 159,83 | 2,346 | 317,75 | 288,08 | 3,818 | 839,78 | 780,19 | ||||
III. | TRANSPORT OPERATORS | 10,694 | 339,72 | 296,08 | 19,673 | 535,00 | 432,65 | 32,263 | 1188,94 | 975,33 | ||||
IV. | PROFESSIONAL AND OTHER SERVICES | 10,172 | 582,26 | 496,58 | 21,445 | 1746,35 | 1383,50 | 22,133 | 2217,88 | 1893,82 | ||||
V. | PERSONAL LOANS | 59,481 | 858,09 | 782,63 | 2,92,446 | 3307,20 | 2530,35 | 1,14,329 | 1820,43 | 1543,05 | ||||
1. | Loans for Purchase of Consumer Durables | 1,498 | 10,85 | 9,24 | 7,056 | 52,75 | 45,15 | 8,714 | 73,35 | 63,26 | ||||
2. | Loans for Housing | 13,347 | 270,26 | 247,03 | 45,364 | 987,47 | 740,12 | 7,729 | 353,88 | 307,27 | ||||
3. | Rest of the Personal Loans | 44,636 | 576,98 | 526,35 | 2,40,026 | 2266,98 | 1745,07 | 97,886 | 1393,21 | 1172,52 | ||||
VI. | TRADE | 38,455 | 2702,52 | 2471,18 | 57,534 | 9223,39 | 7819,32 | 47,385 | 3940,13 | 3283,62 | ||||
1. | Wholesale Trade | 12,508 | 2144,79 | 1966,77 | 16,258 | 8267,48 | 7052,73 | 21,479 | 2294,66 | 1911,13 | ||||
2. | Retail Trade | 25,947 | 557,73 | 504,42 | 41,276 | 955,91 | 766,59 | 25,906 | 1645,47 | 1372,49 | ||||
VII. | FINANCE | 1,262 | 849,17 | 652,38 | 2,563 | 1285,11 | 991,72 | 3,160 | 2339,14 | 2000,19 | ||||
VIII. | ALL OTHERS | 2,977 | 1663,48 | 1342,85 | | 27,442 | 6237,43 | 4660,84 | | 5,434 | 2780,49 | 2445,87 | ||
TOTAL LOANS AND ADVANCES | 2,27,558 | 17726,86 | 15178,18 | 5,62,015 | 43177,45 | 34886,56 | 3,55,196 | 53583,17 | 43300,74 | |||||
OF WHICH : | 1. Artisans & Village Industries | 1,935 | 43,39 | 34,66 | 2,805 | 75,87 | 57,20 | 1,352 | 80,07 | 67,22 | ||||
| | 2. Other Small Scale Industries | 42,786 | 2564,47 | 2295,85 | | 56,039 | 4191,32 | 3527,00 | | 65,551 | 7150,66 | 6028,19 |
| | | | | (Amount in Rupees Lakh) | |||||
20% AND ABOVE | TOTAL | |||||||||
No. of | Credit | Amount | No. of | Credit | Amount | |||||
Accounts | Limit | Out- | Accounts | Limit | Out- | |||||
OCCUPATION | | | standing | | | | standing | |||
| | | 28 | 29 | 30 | | 31 | 32 | 33 | |
I. | AGRICULTURE | 10,784 | 1026,78 | 864,93 | 10,46,758 | 17369,61 | 14551,98 | |||
1. | Direct Finance | 9,656 | 431,13 | 388,13 | 10,12,436 | 12164,70 | 10521,39 | |||
2. | Indirect Finance | 1,128 | 595,65 | 476,80 | 34,322 | 5204,91 | 4030,59 | |||
II. | INDUSTRY | 84,327 | 29458,00 | 25279,87 | 8,06,057 | 123719,69 | 101206,74 | |||
1. | Mining & Quarrying | 945 | 193,32 | 166,07 | 11,818 | 2130,54 | 1680,92 | |||
2. | Food Manufacturing and Processing | 6,454 | 2513,12 | 2155,94 | 85,258 | 11285,54 | 9225,04 | |||
(a) | Rice Mills, Flour and Dal Mills | 2,424 | 310,57 | 291,78 | 34,687 | 1969,82 | 1611,92 | |||
(b) | Sugar | 244 | 576,88 | 529,71 | 1,414 | 2092,26 | 1776,92 | |||
(c) | Edible Oils and Vanaspati | 1,068 | 431,99 | 333,96 | 15,999 | 2170,79 | 1713,92 | |||
(d) | Tea Processing | 421 | 401,08 | 330,66 | 1,522 | 1351,78 | 1022,92 | |||
(e) | Processing of Fruits & Vegetables | 153 | 30,75 | 25,02 | 1,991 | 203,89 | 171,78 | |||
(f) | Others | 2,144 | 761,85 | 644,82 | 29,645 | 3496,99 | 2927,58 | |||
3. | Beverage and Tobacco | 908 | 643,95 | 542,50 | 5,734 | 1781,11 | 1377,09 | |||
4. | Textiles | 15,098 | 4167,46 | 3696,57 | 1,20,994 | 19894,79 | 16394,62 | |||
(a) | Cotton Textiles | 5,499 | 1998,03 | 1776,45 | 33,307 | 8210,54 | 6876,13 | |||
(b) | Jute Textiles | 119 | 34,68 | 28,83 | 1,472 | 453,40 | 370,82 | |||
(c) | Handloom Textiles & Khadi | 437 | 54,15 | 42,95 | 9,309 | 553,66 | 446,19 | |||
(d) | Other Textiles | 9,043 | 2080,60 | 1848,35 | 76,906 | 10677,19 | 8701,47 | |||
5. | Paper, Paper Products and Printing | 4,316 | 927,36 | 805,74 | 39,983 | 3693,10 | 3127,97 | |||
6. | Leather and Leather Products | 1,184 | 234,60 | 210,69 | 13,315 | 1717,94 | 1528,26 | |||
7. | Rubber and Rubber Products | 1,520 | 535,07 | 466,47 | 11,822 | 1870,20 | 1583,37 | |||
8. | Chemicals and Chemical Products | 9,825 | 4508,75 | 3715,84 | 67,466 | 18088,17 | 14390,15 | |||
(a) | Heavy Industrial Chemicals | 1,133 | 750,22 | 582,84 | 6,471 | 3351,46 | 2538,14 | |||
(b) | Fertilizers | 306 | 581,04 | 390,97 | 1,903 | 2482,12 | 1857,49 | |||
(c) | Drugs and Pharmaceuticals | 2,079 | 1422,42 | 1200,19 | 13,047 | 5149,98 | 4147,73 | |||
(d) | Non-Edible Oils | 208 | 65,06 | 65,62 | 1,577 | 315,26 | 268,56 | |||
(e) | Other Chemicals & Chemical Products | 6,099 | 1690,01 | 1476,22 | 44,468 | 6789,35 | 5578,23 | |||
9. | Petroleum, Coal Products & Nuclear Fuels | 563 | 475,92 | 372,13 | 5,211 | 2656,83 | 2166,01 | |||
10. | Manufacture of Cement & Cement Products | 804 | 425,86 | 374,59 | 8,321 | 2296,00 | 1704,98 | |||
11. | Basic Metals & Metal Products | 8,552 | 3753,07 | 3184,82 | 78,764 | 15986,43 | 13229,09 | |||
(a) | Iron and Steel | 3,950 | 2497,61 | 2155,60 | 24,822 | 11253,40 | 9306,78 | |||
(b) | Non-Ferrous Metals | 655 | 264,44 | 226,79 | 5,554 | 1090,34 | 902,90 | |||
(c) | Other Metal Products | 3,947 | 991,01 | 802,43 | 48,388 | 3642,69 | 3019,41 | |||
12. | Engineering | 10,708 | 5362,27 | 4721,83 | 90,978 | 20137,61 | 16491,85 | |||
(a) | Heavy Engineering | 1,810 | 1280,65 | 1044,57 | 13,316 | 5922,97 | 4577,58 | |||
(b) | Light Engineering | 3,891 | 1183,50 | 997,41 | 39,427 | 4764,14 | 3913,34 | |||
(c) | Electrical Machinery & Goods | 2,819 | 1299,38 | 1171,71 | 22,412 | 4669,16 | 3922,88 | |||
(d) | Electronic Machinery & Goods | 2,188 | 1598,75 | 1508,15 | 15,823 | 4781,35 | 4078,05 | |||
13. | Vehicles, Vehicle Parts & Transport Equipments | 3,222 | 1231,37 | 970,42 | 28,991 | 4977,92 | 3717,10 | |||
14. | Other Industries | 14,161 | 2218,16 | 1889,52 | 2,01,975 | 10683,65 | 9069,19 | |||
15. | Electricity, Gas & Water | 546 | 804,56 | 651,36 | 10,994 | 2890,05 | 2210,72 | |||
(a) | Electricity Generation & Transmission | 355 | 685,88 | 542,52 | 9,731 | 2687,11 | 2029,20 | |||
(b) | Non-Conventional Energy | 51 | 52,51 | 45,39 | 343 | 84,82 | 75,00 | |||
(c) | Gas, Steam & Water Supply | 140 | 66,17 | 63,45 | 920 | 118,12 | 106,53 | |||
16. | Construction | 5,521 | 1463,15 | 1355,37 | 24,433 | 3629,81 | 3310,38 | |||
III. | TRANSPORT OPERATORS | 17,074 | 700,02 | 574,41 | 2,48,615 | 4818,26 | 3960,00 | |||
IV. | PROFESSIONAL AND OTHER SERVICES | 12,724 | 1611,80 | 1358,58 | 1,87,295 | 8669,43 | 7197,17 | |||
V. | PERSONAL LOANS | 96,001 | 1647,07 | 1404,37 | 17,27,626 | 18759,75 | 16177,89 | |||
1. | Loans for Purchase of Consumer Durables | 4,979 | 58,59 | 53,26 | 28,938 | 247,22 | 216,84 | |||
2. | Loans for Housing | 3,331 | 119,57 | 100,18 | 5,54,678 | 7601,82 | 6697,25 | |||
3. | Rest of the Personal Loans | 87,691 | 1468,91 | 1250,92 | 11,44,010 | 10910,70 | 9263,80 | |||
VI. | TRADE | 52,122 | 3805,47 | 3149,76 | 5,92,560 | 29943,60 | 25242,85 | |||
1. | Wholesale Trade | 23,623 | 2237,29 | 1839,37 | 1,48,095 | 21649,23 | 18281,92 | |||
2. | Retail Trade | 28,499 | 1568,17 | 1310,40 | 4,44,465 | 8294,36 | 6960,93 | |||
VII. | FINANCE | 5,421 | 3875,34 | 3179,56 | 21,532 | 10862,66 | 8859,31 | |||
VIII. | ALL OTHERS | 5,249 | 2524,51 | 2204,97 | | 54,500 | 19022,35 | 15590,80 | ||
TOTAL LOANS AND ADVANCES | 2,83,702 | 44648,99 | 38016,45 | 46,84,943 | 233165,35 | 192786,75 | ||||
OF WHICH : | 1. Artisans & Village Industries | 760 | 31,26 | 27,48 | 45,140 | 497,53 | 430,41 | |||
| | 2. Other Small Scale Industries | 50,161 | 5949,56 | 4957,03 | | 4,86,467 | 29993,03 | 24565,78 |