Table No. 5.6 – State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation – March 2000

NORTHERN REGION

(Amount in Rupees Lakh)

STATE BANK OF INDIA

NATIONALISED BANKS

FOREIGN BANKS

AND ITS ASSOCIATES

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

90,583

661,53

530,05

2,16,519

1115,08

934,23

-

-

-

1. Direct Finance

88,357

629,22

511,74

2,12,601

1019,43

859,09

-

-

-

2. Indirect Finance

2,226

32,31

18,31

3,918

95,65

75,15

-

-

-

II.

INDUSTRY

28,210

1786,56

1242,05

67,479

3188,57

2548,85

377

1225,89

735,91

1. Mining & Quarrying

31

23,81

18,26

166

27,61

25,22

-

-

-

2. Food Manufacturing & Processing

702

386,48

273,99

4,645

685,95

547,86

3

3,68

41

(a)

Rice Mills, Flour & Dal Mills

516

283,42

183,05

1,166

570,11

458,97

-

-

-

(b)

Sugar

9

73,83

64,30

6

21

19

1

90

-

(c)

Edible Oils & Vanaspati

86

11,45

10,77

3,077

45,41

38,87

-

-

-

(d)

Tea Processing

2

8

4

5

56

19

-

-

-

(e)

Processing of Fruits & Vegetables

8

43

32

15

1,41

89

-

-

-

(f)

Others

81

17,27

15,51

376

68,26

48,75

2

2,78

41

3. Beverage & Tobacco

6

4,90

4,99

30

14,78

8,93

17

53,81

48,87

4. Textiles

1,474

322,38

200,55

3,955

522,78

408,91

20

47,12

25,96

(a)

Cotton Textiles

260

173,44

91,89

1,241

210,18

168,43

7

16,38

11,12

(b)

Jute Textiles

6

31

29

9

1,05

84

-

-

-

(c)

Handloom Textiles & Khadi

837

80,45

53,68

835

100,32

76,12

-

-

-

(d)

Other Textiles

371

68,18

54,69

1,870

211,24

163,52

13

30,74

14,84

5. Paper, Paper Products & Printing

135

10,77

10,74

649

45,37

36,03

5

1,59

44

6. Leather & Leather Products

61

16,77

10,07

287

49,34

49,43

-

-

-

7. Rubber & Rubber Products

179

14,77

10,90

489

113,93

80,76

13

87,76

33,22

8. Chemicals & Chemical Products

421

121,18

100,22

2,026

257,88

202,50

26

157,66

83,52

(a)

Heavy Industrial Chemicals

14

63

41

48

6,34

4,83

-

-

-

(b)

Fertilisers

12

3,98

2,70

13

5,58

4,81

2

18,00

7,59

(c)

Drugs & Pharmaceuticals

80

38,71

38,80

281

48,21

41,66

6

82,27

25,80

(d)

Non-Edible Oils

6

9,24

1,38

18

4,26

3,39

-

-

-

(e)

Other Chemicals & Chemical Products

309

68,62

56,93

1,666

193,49

147,80

18

57,39

50,13

9. Petroleum, Coal Products & Nuclear Fuels

9

3,67

3,26

30

4,27

3,22

2

45

-

10. Manufacture of Cement & Cement Products

24

2,07

2,43

465

20,36

9,94

1

3,66

25

11. Basic Metals & Metal Products

813

449,66

267,29

2,449

400,05

379,85

18

39,05

33,24

(a)

Iron & Steel

178

363,60

200,34

607

275,55

281,92

9

27,94

18,03

(b)

Non-Ferrous Metals

50

10,70

7,71

145

31,98

22,20

-

-

-

(c)

Other Metal Products

585

75,35

59,24

1,697

92,52

75,74

9

11,11

15,20

12. Engineering

634

150,90

110,47

7,198

344,40

213,98

195

451,75

337,48

(a)

Heavy Engineering

66

21,06

18,46

156

125,00

39,71

103

50,11

33,80

(b)

Light Engineering

311

50,45

32,99

6,194

129,96

103,78

63

231,51

187,30

(c)

Electrical Machinery & Goods

198

47,14

32,01

778

43,38

34,90

20

98,01

57,79

(d)

Electronic Machinery & Goods

59

32,25

27,01

70

46,06

35,58

9

72,12

58,58

13. Vehicles, Vehicle Parts & Transport Equipments

389

18,06

14,86

1,535

162,53

133,88

58

351,29

157,26

14. Other Industries

22,961

161,42

136,02

42,040

396,53

313,42

18

27,32

14,49

15. Electricity, Gas & Water

29

96,90

75,53

27

130,89

124,73

-

-

-

(a)

Electricity Generation & Transmission

27

96,78

75,40

17

129,29

123,09

-

-

-

(b)

Non-Conventional Energy

2

12

12

1

18

23

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

9

1,42

1,41

-

-

-

16. Construction

342

2,84

2,47

1,488

11,93

10,20

1

75

78

III.

TRANSPORT OPERATORS

2,708

21,98

16,48

9,109

61,46

49,49

3

22,51

5,73

IV.

PROFESSIONAL AND OTHER SERVICES

2,634

26,91

20,07

16,180

102,36

76,82

17

21,22

7,50

V.

PERSONAL LOANS

62,295

335,25

284,70

1,56,168

794,97

683,85

4,514

54,30

49,03

1. Loans for Purchase of Consumer Durables

4,061

15,38

12,44

11,428

38,94

33,07

101

3,85

3,41

2. Loans for Housing

13,098

160,25

142,64

36,403

317,18

286,03

9

66

58

3. Rest of the Personal Loans

45,136

159,61

129,61

1,08,337

438,85

364,75

4,404

49,79

45,04

VI.

TRADE

31,037

313,54

244,36

86,617

666,00

519,39

4

10

11

1. Wholesale Trade

2,232

109,49

75,98

4,089

224,97

169,18

-

-

-

2. Retail Trade

28,805

204,04

168,38

82,528

441,03

350,21

4

10

11

VII.

FINANCE

406

7,93

7,66

1,054

17,83

11,95

5

76,62

43,62

VIII.ALL OTHERS

9,757

114,42

93,00

40,589

334,51

291,40

10

50

51

TOTAL BANK CREDIT

2,27,630

3268,11

2438,36

5,93,715

6280,78

5115,99

4,930

1401,14

842,39

OF WHICH:

1. Artisans & Village Industries

4,177

9,22

8,79

12,636

30,13

26,84

-

-

-

2. Other Small Scale Industries

18,189

676,85

516,65

34,187

1040,61

827,65

41

29,56

18,25

REGIONAL RURAL BANKS

OTHER SCHEDULED

ALL SCHEDULED

COMMERCIAL BANKS

COMMERCIAL BANKS

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

1,07,539

317,60

260,03

433

6,99

5,88

4,15,074

2101,20

1730,19

1. Direct Finance

1,05,825

312,24

255,71

300

3,73

3,07

4,07,083

1964,62

1629,60

2. Indirect Finance

1,714

5,36

4,32

133

3,26

2,81

7,991

136,58

100,59

II.

INDUSTRY

11,601

16,99

12,71

1,790

254,37

200,12

1,09,457

6472,37

4739,65

1. Mining & Quarrying

4

9

6

1

16

12

202

51,66

43,66

2. Food Manufacturing & Processing

103

76

74

31

2,72

2,07

5,484

1079,58

825,07

(a)

Rice Mills, Flour & Dal Mills

8

15

14

11

60

36

1,701

854,27

642,52

(b)

Sugar

-

-

-

-

-

-

16

74,94

64,48

(c)

Edible Oils & Vanaspati

8

21

21

2

1,17

70

3,173

58,25

50,55

(d)

Tea Processing

-

-

-

-

-

-

7

64

23

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

23

1,84

1,21

(f)

Others

87

39

39

18

95

1,01

564

89,66

66,07

3. Beverage & Tobacco

-

-

-

4

65

65

57

74,14

63,44

4. Textiles

5

2

2

114

19,25

16,55

5,568

911,55

651,99

(a)

Cotton Textiles

-

-

-

37

5,86

5,15

1,545

405,86

276,59

(b)

Jute Textiles

-

-

-

-

-

-

15

1,35

1,13

(c)

Handloom Textiles & Khadi

-

-

-

29

1,04

88

1,701

181,80

130,68

(d)

Other Textiles

5

2

2

48

12,35

10,52

2,307

322,53

243,59

5. Paper, Paper Products & Printing

18

16

12

20

8,04

6,69

827

65,92

54,01

6. Leather & Leather Products

2

2

1

4

2

1

354

66,14

59,52

7. Rubber & Rubber Products

5

3

3

13

14,72

6,52

699

231,20

131,42

8. Chemicals & Chemical Products

7

14

12

50

25,59

18,86

2,530

562,45

405,21

(a)

Heavy Industrial Chemicals

-

-

-

-

-

-

62

6,97

5,25

(b)

Fertilisers

-

-

-

2

9

5

29

27,64

15,15

(c)

Drugs & Pharmaceuticals

3

4

2

9

17,19

13,01

379

186,42

119,28

(d)

Non-Edible Oils

-

-

-

-

-

-

24

13,50

4,77

(e)

Other Chemicals & Chemical Products

4

10

10

39

8,32

5,80

2,036

327,91

260,77

9. Petroleum, Coal Products & Nuclear Fuels

-

-

-

1

3

2

42

8,42

6,50

10. Manufacture of Cement & Cement Products

19

17

14

1

38

39

510

26,63

13,15

11. Basic Metals & Metal Products

7

9

7

127

29,35

27,25

3,414

918,19

707,71

(a)

Iron & Steel

-

-

-

45

27,81

25,87

839

694,91

526,17

(b)

Non-Ferrous Metals

-

-

-

-

-

-

195

42,69

29,91

(c)

Other Metal Products

7

9

7

82

1,53

1,38

2,380

180,59

151,63

12. Engineering

17

19

16

103

78,53

65,49

8,147

1025,77

727,58

(a)

Heavy Engineering

1

3

3

1

3,50

3,34

327

199,69

95,34

(b)

Light Engineering

10

10

9

77

42,09

35,67

6,655

454,12

359,83

(c)

Electrical Machinery & Goods

5

3

2

17

18,09

15,23

1,018

206,65

139,95

(d)

Electronic Machinery & Goods

1

2

3

8

14,85

11,26

147

165,31

132,46

13. Vehicles, Vehicle Parts & Transport Equipments

91

55

45

401

51,97

33,75

2,474

584,40

340,20

14. Other Industries

11,317

14,64

10,72

901

6,85

5,59

77,237

606,76

480,24

15. Electricity, Gas & Water

2

7

2

-

-

-

58

227,86

200,27

(a)

Electricity Generation & Transmission

1

3

-

-

-

-

45

226,09

198,49

(b)

Non-Conventional Energy

-

-

-

-

-

-

3

30

35

(c)

Gas, Steam & Water Supply

1

5

2

-

-

-

10

1,47

1,42

16. Construction

4

7

7

19

16,13

16,15

1,854

31,72

29,67

III.

TRANSPORT OPERATORS

10,328

24,34

13,80

80

1,58

1,27

22,228

131,87

86,78

IV.

PROFESSIONAL AND OTHER SERVICES

1,124

2,56

1,95

177

12,96

9,69

20,132

166,02

116,03

V.

PERSONAL LOANS

48,188

131,95

96,57

3,322

23,07

19,90

2,74,487

1339,53

1134,04

1. Loans for Purchase of Consumer Durables

6,893

17,43

11,10

277

2,44

1,90

22,760

78,05

61,91

2. Loans for Housing

6,064

22,72

18,97

245

2,90

2,79

55,819

503,70

451,01

3. Rest of the Personal Loans

35,231

91,80

66,50

2,800

17,73

15,21

1,95,908

757,78

621,12

VI.

TRADE

35,106

54,40

41,96

1,245

31,28

25,50

1,54,009

1065,31

831,31

1. Wholesale Trade

3,082

5,18

3,85

198

11,36

9,45

9,601

351,01

258,46

2. Retail Trade

32,024

49,21

38,11

1,047

19,92

16,04

1,44,408

714,31

572,85

VII.

FINANCE

-

-

-

188

90

89

1,653

103,28

64,12

VIII.ALL OTHERS

11,212

15,25

8,25

753

4,45

4,05

62,321

469,13

397,21

TOTAL BANK CREDIT

2,25,098

563,09

435,27

7,988

335,60

267,32

10,59,361

11848,72

9099,33

OF WHICH:

1. Artisans & Village Industries

9,850

10,79

7,74

224

50

67

26,887

50,64

44,03

2. Other Small Scale Industries

1,355

3,55

2,79

755

43,78

33,43

54,527

1794,34

1398,76