Table 5.1 : Bank Group-Wise Distribution of outstanding Credit of Scheduled Commercial Banks according to Occupation : 2004

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Table 5.1 : Bank Group-Wise Distribution of outstanding Credit of Scheduled Commercial Banks according to Occupation : 2004

							(Amount in Rs. crore)
					As on March 31
					State Bank	of India and	its Associates	Nationalised Banks
	Occupation				No. of	Credit	Amount	No. of	Credit	Amount
					Accounts	Limit Outstanding		Accounts	Limit Outstanding
					(1)	(2)	(3)	(4)	(5)	(6)

I.	Agriculture				4612655	31029	25287	9425867	60664	51158
	1.	Direct Finance			4552608	23136	19023	9192630	39042	34192
	2.	Indirect Finance			60047	7893	6264	233237	21622	16966
II.	Industry				666711	119845	80252	1058583	199611	151074
	1.	Mining & Quarrying			3799	12671	6489	6431	4346	2953
	2.	Food Manufacturing & Processing			40029	10181	6604	133638	18949	13556
		(a) Rice Mills, Flour & Dal Mills			14045	2504	1708	79646	4848	3324
		(b) Sugar			369	2982	1724	584	3551	2668
		(c) Edible Oils & Vanaspati			3163	1238	955	5506	1698	1286
		(d) Tea Processing			472	601	480	1444	2109	1512
		(e) Processing of Fruits &	Vegetables		321	124	84	834	406	364
		(f) Others			21659	2732	1652	45624	6337	4402
	3.	Beverage & Tobacco			827	463	360	2517	2114	1607
	4.	Textiles			51232	15392	10331	96930	26625	20165
		(a) Cotton Textiles			20638	6935	4819	20199	11092	8400
		(b) Jute & Other Natural	Fibre	Textiles	2487	358	149	3223	577	389
		(c) Handloom Textiles &	Khadi		4952	599	389	14754	770	629
		(d) Other Textiles & Textile Products			23155	7500	4974	58754	14186	10747
	5.	Paper, Paper Products &	Printing		10617	2715	1715	22887	4981	3940
	6.	Leather & Leather Products			6430	1287	833	12736	2557	1973
	7.	Rubber & Plastic Products			11162	2906	1965	19749	5115	3951
	8.	Chemicals & Chemical Products			18343	12350	7835	39807	17832	13057
		(a) Heavy Industrial Chemicals			1081	3636	2315	3756	3705	2617
		(b) Fertilisers			293	2689	1953	755	3022	2357
		(c) Drugs & Pharmaceuticals			3829	2969	1842	7252	4647	3491
		(d) Non-Edible Oils			202	188	96	381	308	236
		(e) Other Chemicals & Chemical Products			12938	2868	1629	27663	6150	4356
	9.	Petroleum, Coal Products & Nuclear Fuels			680	1322	925	1563	6949	5172
	10.	Manufacture of Cement	& Cement Products		4062	1662	1051	5288	2500	2150
	11.	Basic Metals & Metal Products			29364	13283	9266	52016	19516	14922
		(a) Iron & Steel			4204	9900	7149	9275	11853	8901
		(b) Non-Ferrous Metals			986	986	639	2709	1879	1398
		(c) Metal Products			24174	2397	1478	40032	5784	4623
	12.	Engineering			32793	11489	6966	61909	17622	13188
		(a) Heavy Engineering			2225	1366	963	6969	3432	2536
		(b) Light Engineering			17439	2897	2037	29517	4995	3619
		(c) Electrical Machinery & Goods			8725	5392	2602	15896	5463	3955
		(d) Electronic Machinery	& Goods		4404	1834	1364	9527	3732	3078
	13.	Vehicles, Vehicle Parts &	Transport Equipments 10511			4139	3183	20688	7120	4364
	14.	Other Industries			367622	13235	9595	522351	20825	15830
	15.	Electricity, Gas & Water			1144	5652	4475	2046	20196	16805
		(a) Electricity Generation	& Transmission		660	5233	4116	998	18849	15789
		(b) Non-Conventional Energy			150	74	68	263	366	304
		(c) Gas, Steam & Water	Supply		334	345	291	785	981	712
	16.	Construction			78096	11098	8659	58027	22364	17441
III.	Transport Operators				78266	2380	1813	227369	7150	5542
IV.	Professional And Other Services				171354	7281	4795	809576	23682	19373
V.	Personal Loans				5250733	52302	43098	8142839	82017	69359
	1.	Loans for Purchase of Consumer Durables			143900	759	542	534643	2113	1636
	2.	Loans for Housing			923444	24439	21249	1388219	37874	34156
	3.	Rest of the Personal Loans			4183389	27104	21307	6219977	42030	33567
VI.	Trade				865640	33839	24048	2537596	74004	58431
	1.	Wholesale Trade			111499	25538	17695	159797	46332	36604
	2.	Retail Trade			754141	8301	6353	2377799	27672	21827
VII.	Finance				9318	11628	10591	37095	33880	28965
VIII.	All	Others			1802873	24793	18584	3033011	30580	24207

Total		bank credit			13457550	283097	208468	25271936	511588	408109
	of which: 1. Artisans & Village & Tiny Industries				257796	3058	2346	273771	1852	1571
		2. Other Small Scale Industries			129694	13003	9265	441012	31596	24157

Note: Data reported here cover bank’s branches in India and include bills rediscounted under the New Bill Market scheme as also dues from banks. Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 33, March 2004.

								(Amount in Rs. crore)
						As on March 31
						Foreign Banks		Regional Rural		Banks
	Occupation				No. of	Credit	Amount	No. of	Credit	Amount
					Accounts	Limit Outstanding		Accounts	Limit	Outstanding
					(7)	(8)	(9)	(10)	(11)	(12)

I.	Agriculture				777	1294	678	6522961	14917	12237
	1.	Direct Finance			419	1122	582	6279327	14325	11785
	2.	Indirect Finance			358	172	96	243634	592	452
II.	Industry				99482	39928	27600	903614	1987	1535
	1.	Mining & Quarrying			38	552	343	875	49	40
	2.	Food Manufacturing & Processing			340	997	695	15036	155	120
		(a) Rice Mills, Flour & Dal Mills			14	76	42	7978	85	66
		(b) Sugar			10	50	41	9	—	—
		(c) Edible Oils & Vanaspati			21	124	82	1393	16	12
		(d) Tea Processing			37	102	77	5	1	1
		(e) Processing of Fruits &	Vegetables		3	17	17	81	5	3
		(f) Others			255	628	436	5570	48	38
	3.	Beverage & Tobacco			184	1898	1668	145	9	7
	4.	Textiles			1218	3326	2358	10740	46	36
		(a) Cotton Textiles			714	1083	762	1496	12	9
		(b) Jute & Other Natural	Fibre Textiles		4	5	4	1307	3	3
		(c) Handloom Textiles &	Khadi		9	70	69	6595	16	12
		(d) Other Textiles & Textile Products			491	2168	1523	1342	15	12
	5.	Paper, Paper Products &	Printing		232	857	638	860	16	13
	6.	Leather & Leather Products			88	226	200	1345	6	5
	7.	Rubber & Plastic Products			824	698	489	422	7	6
	8.	Chemicals & Chemical Products			1793	7379	4916	1270	12	9
		(a) Heavy Industrial Chemicals			248	1299	770	13	1	1
		(b) Fertilisers			33	801	514	7	1	—
		(c) Drugs & Pharmaceuticals			380	2224	1475	234	3	2
		(d) Non-Edible Oils			33	264	116	5	—	—
		(e) Other Chemicals & Chemical		Products	1099	2791	2041	1011	7	6
	9.	Petroleum, Coal Products & Nuclear Fuels			61	1428	992	76	12	11
	10.	Manufacture of Cement	& Cement Products		80	825	533	481	8	7
	11.	Basic Metals & Metal Products			870	3549	2221	1512	18	14
		(a) Iron & Steel			430	1168	699	29	3	3
		(b) Non-Ferrous Metals			129	1597	1071	7	1	1
		(c) Metal Products			311	784	451	1476	14	10
	12.	Engineering			2964	7615	5104	1532	17	13
		(a) Heavy Engineering			838	1726	1171	48	2	2
		(b) Light Engineering			534	2610	1667	241	6	4
		(c) Electrical Machinery	& Goods		721	1540	1126	811	7	5
		(d) Electronic Machinery	& Goods		871	1739	1140	432	2	2
	13.	Vehicles, Vehicle Parts &	Transport Equipments		710	3137	2142	3768	17	12
	14.	Other Industries			89454	4844	3488	844643	1316	988
	15.	Electricity, Gas & Water			96	908	652	388	16	13
		(a) Electricity Generation	& Transmission		55	658	502	302	12	11
		(b) Non-Conventional Energy			6	45	30	23	1	—
		(c) Gas, Steam & Water	Supply		35	205	120	63	3	2
	16.	Construction			530	1689	1161	20521	283	241
III.	Transport Operators				4656	1588	1389	157591	795	542
IV.	Professional And Other Services				11452	6131	4877	399780	927	706
V.	Personal Loans				8124290	41236	16757	2150410	8468	6681
	1.	Loans for Purchase of Consumer Durables			28919	318	318	349839	1329	968
	2.	Loans for Housing			63214	6342	5706	184738	2250	1914
	3.	Rest of the Personal Loans			8032157	34576	10733	1615833	4889	3799
VI.	Trade				6901	4659	2884	1685681	3542	2719
	1.	Wholesale Trade			2540	2547	1321	74519	300	238
	2.	Retail Trade			4361	2112	1563	1611162	3242	2481
VII.	Finance				754	10589	8485	20861	71	51
VIII.	All	Others			34682	1419	944	873684	1957	1548
Total		bank credit			8282994	106844	63614	12714582	32664	26019
	of which: 1. Artisans & Village & Tiny			Industries	1873	69	47	741036	1086	804
		2. Other Small Scale Industries			444	814	671	102155	342	268

Note: Data reported here cover bank’s branches in India and include bills rediscounted under the New Bill Market scheme as also dues from banks. Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 33, March 2004.

									(Amount in	Rs. crore)
							As on March 31
					Other Scheduled Commercial Banks			All Scheduled Commercial Banks
	Occupation				No. of	Credit	Amount	No. of	Credit	Amount
				Accounts		Limit Outstanding		Accounts	Limit Outstanding
					(13)	(14)	(15)	(16)	(17)	(18)

I.	Agriculture				741908	7985	6885	21304168	115889	96245
	1.	Direct Finance			694970	5122	4517	20719954	82747	70099
	2.	Indirect Finance			46938	2863	2368	584214	33142	26146
II.	Industry				135967	109009	74347	2864357	470380	334808
	1.	Mining & Quarrying			1139	2132	1498	12282	19750	11323
	2.	Food Manufacturing & Processing			11230	7116	5125	200273	37398	26100
		(a) Rice Mills, Flour & Dal Mills			2901	789	614	104584	8302	5754
		(b) Sugar			246	1844	1195	1218	8427	5628
		(c) Edible Oils & Vanaspati			2199	757	603	12282	3833	2938
		(d) Tea Processing			186	894	742	2144	3707	2812
		(e) Processing of Fruits &	Vegetables		252	277	176	1491	829	644
		(f) Others			5446	2555	1795	78554	12300	8323
	3.	Beverage & Tobacco			470	1251	728	4143	5735	4370
	4.	Textiles			20473	11881	8206	180593	57270	41096
		(a) Cotton Textiles			7875	6985	5174	50922	26107	19164
		(b) Jute & Other Natural	Fibre	Textiles	417	284	220	7438	1227	765
		(c) Handloom Textiles &	Khadi		1591	75	60	27901	1530	1159
		(d) Other Textiles & Textile Products			10590	4537	2752	94332	28406	20008
	5.	Paper, Paper Products &	Printing		4482	2618	2020	39078	11187	8326
	6.	Leather & Leather Products			3003	562	425	23602	4638	3436
	7.	Rubber & Plastic Products			3000	2062	1342	35157	10788	7753
	8.	Chemicals & Chemical Products			7216	12182	8623	68429	49755	34440
		(a) Heavy Industrial Chemicals			878	3381	2432	5976	12022	8135
		(b) Fertilisers			230	2232	1587	1318	8745	6411
		(c) Drugs & Pharmaceuticals			1663	2379	1807	13358	12222	8617
		(d) Non-Edible Oils			52	30	27	673	790	475
		(e) Other Chemicals & Chemical Products			4393	4160	2770	47104	15976	10802
	9.	Petroleum, Coal Products & Nuclear Fuels			239	3477	2473	2619	13188	9573
	10.	Manufacture of Cement	& Cement Products		1500	2863	2310	11411	7858	6051
	11.	Basic Metals & Metal Products			5797	14645	10396	89559	51011	36819
		(a) Iron & Steel			1980	10914	7796	15918	33838	24548
		(b) Non-Ferrous Metals			416	1350	1020	4247	5813	4129
		(c) Metal Products			3401	2381	1580	69394	11360	8142
	12.	Engineering			9900	13740	6737	109098	50483	32008
		(a) Heavy Engineering			1974	3666	1671	12054	10192	6343
		(b) Light Engineering			4291	2110	976	52022	12618	8303
		(c) Electrical Machinery & Goods			2172	4581	1901	28325	16983	9589
		(d) Electronic Machinery	& Goods		1463	3383	2189	16697	10690	7773
	13.	Vehicles, Vehicle Parts &	Transport Equipments 3223			6899	4737	38900	21312	14438
	14.	Other Industries			48245	8477	6746	1872315	48697	36647
	15.	Electricity, Gas & Water			603	10450	5913	4277	37222	27858
		(a) Electricity Generation	& Transmission		377	10008	5537	2392	34760	25955
		(b) Non-Conventional Energy			66	160	125	508	646	527
		(c) Gas, Steam & Water	Supply		160	282	251	1377	1816	1376
	16.	Construction			15447	8654	7068	172621	44088	34570
III.	Transport Operators				43820	2579	1886	511702	14492	11172
IV.	Professional And Other Services				111106	17285	14177	1503268	55306	43928
V.	Personal Loans				4700292	61812	43194	28368564	245835	179089
	1.	Loans for Purchase of Consumer Durables			297052	1030	741	1354353	5549	4205
	2.	Loans for Housing			475411	25787	22322	3035026	96692	85347
	3.	Rest of the Personal Loans			3927829	34995	20131	23979185	143594	89537
VI.	Trade				229924	17526	13356	5325742	133570	101438
	1.	Wholesale Trade			33019	9542	7175	381374	84259	63033
	2.	Retail Trade			196905	7984	6181	4944368	49311	38405
VII.	Finance				8072	14222	10871	76100	70390	58963
VIII.	All	Others			692139	12346	9392	6436389	71095	54675
Total		bank credit			6663228	242764	174108	66390290	1176957	880318
	of which: 1. Artisans & Village & Tiny Industries				19299	186	144	1293775	6252	4912
		2. Other Small Scale Industries			44751	5378	4071	718056	51133	38433

Note: Data reported here cover bank’s branches in India and include bills rediscounted under the New Bill Market scheme as also dues from banks. Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 33, March 2004.