NORTHERN REGION(Contd.)

(Amount in ` Lakh)

OCCUPATION

STATE BANK OF INDIA AND
ITS ASSOCIATES

NATIONALISED BANKS

FOREIGN BANKS

No. of
Accounts

Credit Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

7,623

118,66

88,11

12,792

304,11

234,68

-

-

-

1. Direct Finance

7,287

84,96

61,40

12,442

191,43

156,99

-

-

-

2. Indirect Finance

336

33,70

26,71

350

112,68

77,69

-

-

-

II.

INDUSTRY

4,546

303,74

223,33

5,059

1135,55

1016,83

19

35,86

14,42

1. Mining & Quarrying

54

7,86

6,53

49

24,49

22,83

-

-

-

2. Food Manufacturing & Processing

619

57,68

46,22

701

119,35

92,07

-

-

-

(a) Rice Mills, Flour & Dal Mills

91

35,27

30,34

162

48,50

38,47

-

-

-

(b) Sugar

4

51

43

-

-

-

-

-

-

(c) Edible Oils & Vanaspati

18

2,22

1,63

19

7,63

6,74

-

-

-

(d) Tea Processing

1

24

24

3

1,10

42

-

-

-

(e) Processing of Fruits & Vegetables

12

88

63

12

11,36

10,60

-

-

-

(f) Others

493

18,57

12,96

505

50,77

35,84

-

-

-

3. Beverage & Tobacco

34

12,37

10,01

18

12,07

11,75

-

-

-

4. Textiles

1,494

22,29

15,25

1,171

54,24

37,08

-

-

-

(a) Cotton Textiles

121

1,76

1,33

43

22,13

11,22

-

-

-

(b) Jute & Other Natural Fibre Textiles

27

94

55

60

3,78

3,48

-

-

-

(c) Handloom Textiles & Khadi

280

3,78

2,61

130

5,00

3,79

-

-

-

(d) Other Textiles & Textile Products

1,066

15,81

10,75

938

23,34

18,59

-

-

-

5. Paper, Paper Products & Printing

293

43,08

32,90

78

31,28

26,80

-

-

-

6. Woods and Wood Products

171

8,52

7,05

377

5,88

4,61

-

-

-

7. Leather & Leather Products

31

1,22

77

44

1,28

92

-

-

-

8. Gems and Jewellery

13

1,30

1,27

77

12,37

9,18

-

-

-

9. Rubber & Plastic Products

57

19,42

18,52

81

21,10

17,68

-

-

-

10. Chemicals & Chemical Products

68

22,09

20,12

137

55,75

48,34

12

34,74

13,34

(a) Heavy Industrial Chemicals

6

2,51

2,08

10

15,64

14,28

-

-

-

(b) Fertilisers

-

-

-

2

19

18

-

-

-

(c) Drugs & Pharmaceuticals

13

6,78

6,06

33

23,91

20,38

12

34,74

13,34

(d) Non-Edible Oils

4

90

78

-

-

-

-

-

-

(e) Other Chemicals & Chemical Products

45

11,91

11,20

92

16,00

13,50

-

-

-

11. Petroleum, Coal Products & Nuclear Fuels

6

13,58

10,39

5

1,42

80

-

-

-

12. Manufacture of Cement & Cement Products

97

10,90

7,74

113

19,52

17,64

-

-

-

13. Basic Metals & Metal Products

352

37,09

15,85

221

385,65

378,82

1

2

1

(a) Iron & Steel

48

6,92

4,70

47

358,98

356,03

-

-

-

(b) Non-Ferrous Metals

15

24,02

6,30

11

15,13

12,11

-

-

-

(c) Metal Products

289

6,15

4,84

163

11,54

10,68

1

2

1

14. Engineering

274

22,61

15,00

719

126,51

115,46

4

1,05

1,03

(a) Heavy Engineering

5

43

39

43

4,31

3,35

-

-

-

(b) Light Engineering

175

12,38

7,38

393

20,84

16,66

4

1,05

1,03

(c) Electrical Machinery & Goods

73

8,82

6,61

257

99,17

93,52

-

-

-

(d) Electronic Machinery & Goods

21

98

63

26

2,19

1,94

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

23

60

45

20

12,45

10,36

-

-

-

16. Other Industries

933

18,06

12,13

922

131,48

113,43

1

2

2

17. Electricity, Gas & Water

1

5

4

7

74,20

72,96

-

-

-

(a) Electricity Generation & Transmission

1

5

4

3

73,45

72,25

-

-

-

(b) Non-Conventional Energy

-

-

-

1

4

4

-

-

-

(c) Gas, Steam & Water Supply

-

-

-

3

71

67

-

-

-

18. Construction

26

5,02

3,11

319

46,52

36,10

1

2

2

(a) Other than Infrastructure

1

5

4

258

42,39

32,38

1

2

2

(b) Infrastructure Construction

25

4,97

3,07

61

4,13

3,72

-

-

-

III.

TRANSPORT OPERATORS

2,612

106,05

69,31

955

33,02

28,98

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

1,801

115,02

82,12

4,977

222,22

166,81

15

5,63

4,58

1. Professional Services

208

3,52

2,83

998

39,05

33,72

-

-

-

2. Tourism, Hotel & Restaurants

241

36,70

24,39

687

48,88

34,77

-

-

-

3. Recreation services

44

1,40

1,11

56

1,03

87

2

42

35

4. IT and Telecommunications

32

2,01

1,37

19

2,39

2,23

1

80

13

5. Others

1,276

71,39

52,43

3,217

130,86

95,22

12

4,41

4,10

V.

PERSONAL LOANS

47,734

956,65

689,27

25,677

583,76

496,08

10

23

15

1. Housing

8,464

388,27

296,57

5,608

275,52

256,21

-

-

-

2. Consumer Durables

1,210

7,93

4,85

1,579

12,37

9,65

-

-

-

3. Vehicles

10,162

211,59

134,32

4,139

65,77

56,80

-

-

-

4. Education

1,407

54,11

38,71

1,888

48,48

42,27

-

-

-

5. Personal Credit Cards

-

-

-

366

2,00

1,22

-

-

-

6. Others

26,491

294,74

214,82

12,097

179,63

129,93

10

23

15

VI.

TRADE

10,886

388,07

308,35

10,988

487,46

395,16

12

6,65

5,63

1. Wholesale Trade

679

60,64

52,28

665

71,86

59,84

6

1,89

1,88

2. Retail Trade

10,207

327,42

256,07

10,323

415,60

335,33

6

4,76

3,75

VII.

FINANCE

23

1,24

62

285

18,66

12,76

-

-

-

VIII.

ALL OTHERS

293

2,25

1,67

2,566

49,37

36,89

6

1,30

60

TOTAL BANK CREDIT

75,518

1991,67

1462,78

63,299

2834,15

2388,19

62

49,67

25,38

TABLE NO. 5.6 – STATE AND BANK GROUP–WISE CLASSIFICATION OF OUTSTANDING
CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION – MARCH 2010

NORTHERN REGION

STATE : JAMMU & KASHMIR

(Amount in ` Lakh)

OCCUPATION

REGIONAL RURAL BANKS

PRIVATE SECTOR BANKS

ALL SCHEDULED
COMMERCIAL BANKS

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

16,928

155,81

105,92

46,298

1071,68

838,97

83,641

1650,27

1267,67

1. Direct Finance

16,757

152,88

103,83

45,800

982,35

760,83

82,286

1411,62

1083,04

2. Indirect Finance

171

2,94

2,09

498

89,33

78,14

1,355

238,65

184,63

II.

INDUSTRY

2,150

25,51

18,08

18,669

2533,41

1966,10

30,443

4034,07

3238,76

1. Mining & Quarrying

5

84

27

164

24,26

17,29

272

57,46

46,91

2. Food Manufacturing & Processing

43

2,20

1,83

767

100,34

76,54

2,130

279,57

216,65

(a) Rice Mills, Flour & Dal Mills

28

1,95

1,65

104

63

42

385

86,34

70,88

(b) Sugar

-

-

-

1

5

5

5

56

48

(c) Edible Oils & Vanaspati

-

-

-

66

16,31

9,75

103

26,16

18,11

(d) Tea Processing

-

-

-

321

3,54

2,29

325

4,87

2,94

(e) Processing of Fruits & Vegetables

1

6

5

35

13,08

9,71

60

25,37

20,99

(f) Others

14

19

13

240

66,74

54,33

1,252

136,26

103,25

3. Beverage & Tobacco

-

-

-

56

109,03

89,39

108

133,47

111,15

4. Textiles

65

46

37

10,035

308,86

177,31

12,765

385,85

230,00

(a) Cotton Textiles

2

7

5

148

6,84

5,78

314

30,80

18,39

(b) Jute & Other Natural Fibre Textiles

1

-

-

117

1,51

1,00

205

6,23

5,03

(c) Handloom Textiles & Khadi

24

12

11

7,126

46,42

29,40

7,560

55,31

35,91

(d) Other Textiles & Textile Products

38

27

21

2,644

254,09

141,13

4,686

293,50

170,68

5. Paper, Paper Products & Printing

7

16

14

310

59,89

41,89

688

134,42

101,73

6. Woods and Wood Products

36

67

61

655

33,39

28,95

1,239

48,46

41,22

7. Leather & Leather Products

4

2

1

252

5,95

4,64

331

8,47

6,35

8. Gems and Jewellery

1

2

1

252

6,55

5,20

343

20,24

15,66

9. Rubber & Plastic Products

3

6

5

100

8,84

6,89

241

49,41

43,15

10. Chemicals & Chemical Products

14

27

23

256

95,91

82,09

487

208,77

164,12

(a) Heavy Industrial Chemicals

-

-

-

5

13,63

9,75

21

31,78

26,11

(b) Fertilisers

1

2

1

-

-

-

3

21

19

(c) Drugs & Pharmaceuticals

11

19

15

142

51,65

44,45

211

117,27

84,38

(d) Non-Edible Oils

-

-

-

-

-

-

4

90

78

(e) Other Chemicals & Chemical Products

2

6

7

109

30,64

27,89

248

58,62

52,66

11. Petroleum, Coal Products & Nuclear Fuels

-

-

-

33

7,37

6,32

44

22,37

17,50

12. Manufacture of Cement & Cement Products

3

4

1

165

331,06

267,98

378

361,51

293,37

13. Basic Metals & Metal Products

10

37

17

893

194,60

151,85

1,477

617,73

546,69

(a) Iron & Steel

4

21

9

95

109,67

84,39

194

475,78

445,22

(b) Non-Ferrous Metals

-

-

-

106

59,82

47,20

132

98,96

65,61

(c) Metal Products

6

17

8

692

25,12

20,26

1,151

42,99

35,86

14. Engineering

41

99

68

895

49,07

34,49

1,933

200,23

166,67

(a) Heavy Engineering

1

21

14

6

35

23

55

5,29

4,10

(b) Light Engineering

26

56

38

442

29,94

19,97

1,040

64,78

45,42

(c) Electrical Machinery & Goods

8

18

14

270

16,71

12,98

608

124,88

113,25

(d) Electronic Machinery & Goods

6

3

2

177

2,08

1,32

230

5,28

3,90

15. Vehicles, Vehicle Parts & Transport Equipments

122

1,29

94

625

59,22

42,60

790

73,56

54,36

16. Other Industries

1,720

14,22

9,62

2,016

224,83

182,86

5,592

388,61

318,05

17. Electricity, Gas & Water

1

4

3

138

41,36

38,64

147

115,65

111,67

(a) Electricity Generation & Transmission

-

-

-

138

41,36

38,64

142

114,85

110,93

(b) Non-Conventional Energy

-

-

-

-

-

-

1

4

4

(c) Gas, Steam & Water Supply

1

4

3

-

-

-

4

75

70

18. Construction

75

3,86

3,10

1,057

872,88

711,18

1,478

928,31

753,51

(a) Other than Infrastructure

57

2,49

1,83

877

340,10

263,30

1,194

385,05

297,58

(b) Infrastructure Construction

18

1,37

1,27

180

532,79

447,87

284

543,25

455,93

III.

TRANSPORT OPERATORS

4,697

153,25

109,15

17,438

734,89

487,15

25,702

1027,21

694,59

IV.

PROFESSIONAL AND OTHER SERVICES

544

9,44

6,57

7,230

4104,93

3637,83

14,567

4457,23

3897,91

1. Professional Services

123

1,55

1,06

722

98,74

79,36

2,051

142,87

116,98

2. Tourism, Hotel & Restaurants

13

1,20

89

1,591

199,72

140,69

2,532

286,50

200,74

3. Recreation services

2

6

5

194

19,97

16,40

298

22,88

18,78

4. IT and Telecommunications

-

-

-

40

7,97

6,69

92

13,17

10,42

5. Others

406

6,63

4,57

4,683

3778,53

3394,69

9,594

3991,82

3551,00

V.

PERSONAL LOANS

24,958

245,37

171,62

2,34,865

3843,97

2835,71

3,33,244

5629,98

4192,84

1. Housing

1,158

29,67

20,94

35,481

1347,74

1072,08

50,711

2041,21

1645,80

2. Consumer Durables

1,507

8,75

6,02

61,555

702,26

492,23

65,851

731,30

512,76

3. Vehicles

5,268

75,31

52,62

67,609

939,25

653,47

87,178

1291,91

897,20

4. Education

156

1,94

1,25

4,717

131,86

89,60

8,168

236,39

171,83

5. Personal Credit Cards

-

-

-

3,270

9,49

8,04

3,636

11,49

9,26

6. Others

16,869

129,70

90,78

62,233

713,37

520,29

1,17,700

1317,67

955,98

VI.

TRADE

13,580

171,71

126,11

59,994

2370,97

1960,79

95,460

3424,86

2796,04

1. Wholesale Trade

852

13,95

9,81

129

523,19

513,61

2,331

671,54

637,42

2. Retail Trade

12,728

157,76

116,30

59,865

1847,78

1447,18

93,129

2753,32

2158,62

VII.

FINANCE

412

4,02

2,56

58

5,27

4,31

778

29,18

20,25

VIII.

ALL OTHERS

9,918

61,17

42,52

9,463

64,05

48,02

22,246

178,14

129,69

TOTAL BANK CREDIT

73,187

826,29

582,53

3,94,015

14729,16

11778,89

6,06,081

20430,94

16237,76