EASTERN REGION

STATE : BIHAR

(Amount in ` Lakh)

OCCUPATION

RURAL

SEMI-URBAN

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

16,95,872

7919,11

6748,86

5,93,634

3108,79

2650,51

1. Direct Finance

16,60,505

6753,87

5634,30

5,82,365

2780,90

2352,22

2. Indirect Finance

35,367

1165,24

1114,56

11,269

327,89

298,29

II.

INDUSTRY

71,461

723,15

588,50

24,241

1839,91

1270,64

1. Mining & Quarrying

163

25,74

23,09

159

20,80

12,73

2. Food Manufacturing & Processing

29,422

232,36

176,82

9,246

201,87

172,73

(a) Rice Mills, Flour & Dal Mills

14,744

86,24

76,60

5,824

101,51

92,13

(b) Sugar

11

46,64

15,00

12

43,62

32,04

(c) Edible Oils & Vanaspati

6,778

43,34

40,81

873

11,57

11,00

(d) Tea Processing

1,131

3,70

3,13

7

15

15

(e) Processing of Fruits & Vegetables

9

25

27

25

2,64

2,71

(f) Others

6,749

52,19

41,00

2,505

42,38

34,71

3. Beverage & Tobacco

37

4,44

4,12

60

6,29

5,00

4. Textiles

3,642

32,73

28,22

1,004

38,91

36,11

(a) Cotton Textiles

410

6,87

6,20

133

24,82

23,88

(b) Jute & Other Natural Fibre Textiles

325

1,24

81

116

48

41

(c) Handloom Textiles & Khadi

1,526

14,84

13,01

232

4,61

4,02

(d) Other Textiles & Textile Products

1,381

9,78

8,20

523

9,00

7,80

5. Paper, Paper Products & Printing

201

6,29

4,88

189

5,93

3,72

6. Woods and Wood Products

2,114

8,41

6,66

587

6,75

5,72

7. Leather & Leather Products

10,536

17,93

9,23

3,374

7,15

2,28

8. Gems and Jewellery

196

2,57

2,18

59

2,40

2,06

9. Rubber & Plastic Products

2,789

7,91

6,08

371

1,82

1,50

10. Chemicals & Chemical Products

1,119

12,72

9,58

820

35,97

16,70

(a) Heavy Industrial Chemicals

7

3,66

3,20

9

1,11

99

(b) Fertilisers

291

1,02

51

154

1,77

97

(c) Drugs & Pharmaceuticals

241

1,99

1,72

106

1,44

95

(d) Non-Edible Oils

8

38

27

4

21

21

(e) Other Chemicals & Chemical Products

572

5,68

3,89

547

31,44

13,58

11. Petroleum, Coal Products & Nuclear Fuels

13

2,34

58

25

326,63

21,64

12. Manufacture of Cement & Cement Products

447

4,80

4,22

184

7,18

6,31

13. Basic Metals & Metal Products

600

27,13

15,99

573

17,92

16,40

(a) Iron & Steel

8

5,38

5,30

34

11,61

10,96

(b) Non-Ferrous Metals

5

34

27

2

1,10

1,15

(c) Metal Products

587

21,41

10,42

537

5,21

4,29

14. Engineering

3,020

25,67

22,27

1,352

30,07

26,02

(a) Heavy Engineering

15

1,59

1,47

32

2,61

2,47

(b) Light Engineering

2,027

18,71

16,39

1,008

23,61

20,77

(c) Electrical Machinery & Goods

443

3,27

2,96

237

2,59

2,20

(d) Electronic Machinery & Goods

535

2,10

1,45

75

1,26

59

15. Vehicles, Vehicle Parts & Transport Equipments

2,179

44,94

34,55

529

4,61

4,00

16. Other Industries

13,817

91,81

78,02

4,396

72,74

62,50

17. Electricity, Gas & Water

17

108,58

107,33

15

1,58

1,27

(a) Electricity Generation & Transmission

6

104,23

103,64

4

19

16

(b) Non-Conventional Energy

6

1,30

1,29

2

11

12

(c) Gas, Steam & Water Supply

5

3,05

2,40

9

1,28

99

18. Construction

1,149

66,77

54,67

1,298

1051,29

873,94

(a) Other than Infrastructure

412

58,00

47,40

202

42,62

40,14

(b) Infrastructure Construction

737

8,78

7,27

1,096

1008,66

833,80

III.

TRANSPORT OPERATORS

24,715

198,29

145,76

11,604

120,06

98,76

IV.

PROFESSIONAL AND OTHER SERVICES

38,320

409,11

344,28

20,682

348,78

294,81

1. Professional Services

13,881

77,61

59,28

5,423

112,80

99,42

2. Tourism, Hotel & Restaurants

1,364

15,92

13,48

413

15,04

11,44

3. Recreation services

246

9,99

9,62

110

4,34

3,94

4. IT and Telecommunications

50

3,57

3,29

86

6,57

5,74

5. Others

22,779

302,03

258,61

14,650

210,04

174,27

V.

PERSONAL LOANS

2,14,535

2309,12

1802,09

1,99,768

2957,89

2214,32

1. Housing

31,830

803,43

693,79

19,180

506,28

416,47

2. Consumer Durables

6,226

35,08

26,59

5,998

34,38

23,33

3. Vehicles

10,701

152,48

104,17

8,348

145,79

120,73

4. Education

8,664

189,82

156,88

10,609

271,49

204,84

5. Personal Credit Cards

2,363

18,68

8,40

3,669

64,47

16,91

6. Others

1,54,751

1109,64

812,26

1,51,964

1935,49

1432,03

VI.

TRADE

3,81,496

1951,79

1614,80

1,49,923

1910,26

1674,59

1. Wholesale Trade

15,415

282,82

255,94

9,843

686,40

653,89

2. Retail Trade

3,66,081

1668,97

1358,86

1,40,080

1223,86

1020,70

VII.

FINANCE

6,050

30,27

22,53

2,428

56,73

22,06

VIII.

ALL OTHERS

87,575

382,51

318,20

30,553

194,88

171,40

TOTAL BANK CREDIT

25,20,024

13923,36

11585,01

10,32,833

10537,31

8397,08

TABLE No.5.7 – STATE AND POPULATION GROUP–WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2010

EASTERN REGION

STATE : BIHAR

(Amount in ` Lakh)

OCCUPATION

URBAN

METROPOLITAN

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

1,11,993

933,82

781,84

4,377

120,98

91,51

1. Direct Finance

1,09,286

737,24

619,84

4,129

55,78

42,12

2. Indirect Finance

2,707

196,58

162,00

248

65,20

49,39

II.

INDUSTRY

10,790

964,17

763,72

3,928

957,20

767,28

1. Mining & Quarrying

112

35,54

22,02

13

2,20

1,15

2. Food Manufacturing & Processing

3,224

289,89

226,22

504

205,81

142,20

(a) Rice Mills, Flour & Dal Mills

636

212,82

165,16

48

24,14

15,30

(b) Sugar

3

4,30

2,57

5

127,31

88,37

(c) Edible Oils & Vanaspati

31

1,80

1,21

15

1,59

99

(d) Tea Processing

1

1

-

-

-

-

(e) Processing of Fruits & Vegetables

21

9,39

5,99

19

11,25

7,91

(f) Others

2,532

61,58

51,30

417

41,53

29,62

3. Beverage & Tobacco

41

46,18

42,29

22

10,44

9,58

4. Textiles

979

39,00

34,27

163

4,22

3,49

(a) Cotton Textiles

41

3,92

3,62

12

23

21

(b) Jute & Other Natural Fibre Textiles

10

4,91

2,81

7

9

7

(c) Handloom Textiles & Khadi

316

11,29

10,91

11

10

9

(d) Other Textiles & Textile Products

612

18,88

16,93

133

3,80

3,13

5. Paper, Paper Products & Printing

189

35,11

27,02

254

36,00

29,88

6. Woods and Wood Products

213

5,21

4,35

40

1,47

1,20

7. Leather & Leather Products

159

3,35

2,35

35

1,31

74

8. Gems and Jewellery

93

4,33

3,80

34

2,26

1,97

9. Rubber & Plastic Products

124

19,73

15,22

192

38,73

30,70

10. Chemicals & Chemical Products

200

41,81

25,82

178

46,11

41,42

(a) Heavy Industrial Chemicals

15

9,11

4,59

9

9,40

7,95

(b) Fertilisers

1

5

6

-

-

-

(c) Drugs & Pharmaceuticals

32

7,11

3,36

28

6,09

4,86

(d) Non-Edible Oils

4

2,78

2,47

2

10

9

(e) Other Chemicals & Chemical Products

148

22,76

15,33

139

30,52

28,53

11. Petroleum, Coal Products & Nuclear Fuels

22

4,78

4,45

11

58,50

58,54

12. Manufacture of Cement & Cement Products

97

13,29

12,49

23

15,34

14,98

13. Basic Metals & Metal Products

355

109,24

83,20

1,155

330,55

277,07

(a) Iron & Steel

45

90,52

66,70

81

298,81

246,67

(b) Non-Ferrous Metals

14

3,21

2,44

6

2,66

1,65

(c) Metal Products

296

15,50

14,07

1,068

29,08

28,75

14. Engineering

1,104

47,37

39,82

456

74,91

47,24

(a) Heavy Engineering

57

5,20

4,92

29

26,98

10,77

(b) Light Engineering

830

23,05

20,04

191

37,14

30,94

(c) Electrical Machinery & Goods

128

12,82

10,88

220

10,52

5,29

(d) Electronic Machinery & Goods

89

6,30

3,99

16

26

24

15. Vehicles, Vehicle Parts & Transport Equipments

430

34,86

23,02

113

9,88

8,21

16. Other Industries

2,621

87,24

79,24

430

31,50

22,60

17. Electricity, Gas & Water

16

23,08

8,77

9

30,20

21,14

(a) Electricity Generation & Transmission

5

21,71

7,47

5

26,44

17,68

(b) Non-Conventional Energy

4

52

45

1

15

11

(c) Gas, Steam & Water Supply

7

85

84

3

3,61

3,35

18. Construction

811

124,15

109,37

296

57,78

55,16

(a) Other than Infrastructure

361

50,59

46,93

203

24,48

23,56

(b) Infrastructure Construction

450

73,56

62,45

93

33,29

31,59

III.

TRANSPORT OPERATORS

5,013

122,23

99,48

4,198

107,96

93,19

IV.

PROFESSIONAL AND OTHER SERVICES

11,308

544,01

460,51

4,929

337,98

275,95

1. Professional Services

2,692

98,37

89,99

428

93,77

85,81

2. Tourism, Hotel & Restaurants

277

27,18

24,47

116

25,02

18,40

3. Recreation services

67

8,19

7,99

27

75

49

4. IT and Telecommunications

80

17,60

16,11

40

8,16

5,69

5. Others

8,192

392,66

321,95

4,318

210,28

165,56

V.

PERSONAL LOANS

1,79,454

3373,91

2628,86

1,14,185

2246,40

1729,05

1. Housing

24,218

1019,56

866,63

12,990

621,68

517,79

2. Consumer Durables

5,312

44,37

32,26

2,635

16,45

13,36

3. Vehicles

15,072

250,05

193,46

19,911

321,43

223,30

4. Education

14,854

416,88

334,62

10,414

299,86

244,64

5. Personal Credit Cards

3,058

28,73

21,91

2,514

61,46

53,90

6. Others

1,16,940

1614,32

1179,99

65,721

925,53

676,08

VI.

TRADE

51,474

1439,07

1203,70

8,834

675,87

522,03

1. Wholesale Trade

2,919

262,95

220,16

989

171,05

147,13

2. Retail Trade

48,555

1176,12

983,54

7,845

504,82

374,90

VII.

FINANCE

578

15,93

11,22

629

16,53

11,62

VIII.

ALL OTHERS

31,623

276,60

242,13

25,345

233,71

188,77

TOTAL BANK CREDIT

4,02,233

7669,74

6191,47

1,66,425

4696,64

3679,40