SOUTHERN REGION

STATE : KERALA

(Amount in Rupees 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

2,76,942

2017,32

1681,97

15,71,345

9821,00

7987,31

1. Direct Finance

2,73,225

1807,49

1507,50

15,38,018

7892,49

6854,25

2. Indirect Finance

3,717

209,83

174,48

33,327

1928,51

1133,06

II.

INDUSTRY

15,058

1199,94

698,48

91,170

5785,45

4251,22

1. Mining & Quarrying

47

11,42

8,64

323

99,69

79,71

2. Food Manufacturing & Processing

2,324

278,09

128,62

11,976

925,71

601,18

  (a) Rice Mills, Flour & Dal Mills

222

15,65

9,07

1,333

188,90

154,47

  (b) Sugar

-

-

-

4

17

14

  (c) Edible Oils & Vanaspati

89

2,95

1,98

889

108,82

78,98

  (d) Tea Processing

14

68,87

65,55

62

20,71

16,79

  (e) Processing of Fruits & Vegetables

14

70

70

147

15,35

10,99

  (f) Others

1,985

189,92

51,33

9,541

591,75

339,81

3. Beverage & Tobacco

15

54

36

167

94,01

66,29

4. Textiles

2,042

165,56

85,92

16,340

431,06

342,79

  (a) Cotton Textiles

101

133,97

56,92

629

164,33

131,72

  (b) Jute & Other Natural Fibre Textiles

68

36

31

712

16,15

6,66

  (c) Handloom Textiles & Khadi

110

94

89

1,732

65,92

52,78

  (d) Other Textiles & Textile Products

1,763

30,28

27,79

13,267

184,66

151,64

5. Paper, Paper Products & Printing

343

17,94

14,15

2,778

201,35

167,86

6. Woods and Wood Products

974

33,64

27,50

6,873

214,04

176,05

7. Leather & Leather Products

116

1,41

82

681

20,30

17,13

8. Gems and Jewellery

206

6,07

4,97

931

37,40

32,67

9. Rubber & Plastic Products

270

50,31

33,94

2,670

562,45

379,34

10. Chemicals & Chemical Products

382

80,20

65,45

2,560

437,03

367,47

  (a) Heavy Industrial Chemicals

13

2,22

1,83

58

41,85

41,83

  (b) Fertilisers

5

43

38

90

207,06

175,12

  (c) Drugs & Pharmaceuticals

124

7,62

2,67

613

75,40

62,02

  (d) Non-Edible Oils

1

5

5

42

9,40

8,07

  (e) Other Chemicals & Chemical Products

239

69,89

60,52

1,757

103,33

80,42

11. Petroleum, Coal Products & Nuclear Fuels

4

69

34

54

7,01

6,31

12. Manufacture of Cement & Cement Products

476

12,98

10,14

1,921

69,24

48,74

13. Basic Metals & Metal Products

555

160,19

61,28

2,736

128,17

104,89

  (a) Iron & Steel

33

14,42

5,94

130

56,03

45,19

  (b) Non-Ferrous Metals

32

134,44

46,19

78

8,41

7,66

  (c) Metal Products

490

11,32

9,15

2,528

63,73

52,03

14. Engineering

1,041

87,58

31,13

3,609

219,30

145,73

  (a) Heavy Engineering

19

1,55

1,13

151

16,13

13,22

  (b) Light Engineering

854

68,47

22,76

2,073

135,85

81,02

  (c) Electrical Machinery & Goods

105

5,92

4,83

983

46,59

33,50

  (d) Electronic Machinery & Goods

63

11,64

2,41

402

20,74

17,99

15. Vehicles, Vehicle Parts & Transport Equipments

63

2,10

1,68

982

37,60

32,01

16. Other Industries

4,674

111,71

76,38

25,463

620,55

488,29

17. Electricity, Gas & Water

14

4,57

4,64

87

241,42

188,06

  (a) Electricity Generation & Transmission

3

2,91

3,21

28

232,12

180,98

  (b) Non-Conventional Energy

3

39

38

16

4,42

2,92

  (c) Gas, Steam & Water Supply

8

1,27

1,05

43

4,88

4,16

18. Construction

1,512

174,97

142,53

11,019

1439,10

1006,70

  (a) Other than Infrastructure

802

110,04

91,91

5,380

757,83

605,73

  (b) Infrastructure Construction

710

64,93

50,62

5,639

681,27

400,97

III.

TRANSPORT OPERATORS

3,326

78,69

58,76

24,292

545,77

421,19

IV.

PROFESSIONAL AND OTHER SERVICES

18,488

353,33

231,08

1,13,058

2105,74

1606,66

1. Professional Services

2,026

45,22

32,45

18,604

298,88

228,05

2. Tourism, Hotel & Restaurants

1,342

28,71

23,97

7,912

351,73

282,56

3. Recreation services

193

4,96

4,36

2,431

81,86

69,22

4. IT and Telecommunications

29

16,98

14,77

194

22,40

18,97

5. Others

14,898

257,46

155,53

83,917

1350,87

1007,87

V.

PERSONAL LOANS

2,24,177

4718,02

3455,82

15,18,212

23149,27

18514,91

1. Housing

50,776

2338,08

1919,82

3,30,259

11524,80

9523,01

2. Consumer Durables

1,729

11,57

9,27

20,876

156,57

125,93

3. Vehicles

26,712

993,58

542,88

1,08,159

2263,36

1610,48

4. Education

17,603

366,13

263,91

1,49,010

2896,81

2171,96

5. Personal Credit Cards

2,082

33,07

13,77

11,488

49,35

34,94

6. Others

1,25,275

975,59

706,16

8,98,420

6258,38

5048,60

VI.

TRADE

49,403

921,09

772,99

3,33,683

6785,49

5498,75

1. Wholesale Trade

1,671

426,66

369,80

11,915

1782,10

1459,33

2. Retail Trade

47,732

494,43

403,19

3,21,768

5003,39

4039,42

VII.

FINANCE

1,901

134,17

108,71

12,729

668,07

474,91

VIII.

ALL OTHERS

17,951

269,54

212,36

2,18,541

2396,14

2138,58

TOTAL BANK CREDIT

6,07,246

9692,11

7220,17

38,83,030

51256,95

40893,53

TABLE NO. 5.7 – STATE AND POPULATION GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION 'MARCH 2009

(Amount in Rupees 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

2,40,396

3539,21

2623,86

-

-

-

1. Direct Finance

2,33,688

2073,40

1748,17

-

-

-

2. Indirect Finance

6,708

1465,81

875,69

-

-

-

II.

INDUSTRY

38,517

13943,37

7258,03

-

-

-

1. Mining & Quarrying

138

92,13

77,53

-

-

-

2. Food Manufacturing & Processing

5,688

4066,15

1439,99

-

-

-

(a) Rice Mills, Flour & Dal Mills

196

94,42

61,50

-

-

-

(b) Sugar

3

2,72

2,68

-

-

-

(c) Edible Oils & Vanaspati

181

91,99

73,19

-

-

-

(d) Tea Processing

163

86,32

59,76

-

-

-

(e) Processing of Fruits & Vegetables

67

40,12

27,24

-

-

-

(f) Others

5,078

3750,58

1215,62

-

-

-

3. Beverage & Tobacco

68

46,61

41,95

-

-

-

4. Textiles

6,573

1244,04

915,48

-

-

-

(a) Cotton Textiles

794

506,75

376,87

-

-

-

(b) Jute & Other Natural Fibre Textiles

286

66,17

45,51

-

-

-

(c) Handloom Textiles & Khadi

222

8,72

8,04

-

-

-

(d) Other Textiles & Textile Products

5,271

662,39

485,07

-

-

-

5. Paper, Paper Products & Printing

1,810

759,87

342,51

-

-

-

6. Woods and Wood Products

1,794

56,21

43,55

-

-

-

7. Leather & Leather Products

392

18,94

15,72

-

-

-

8. Gems and Jewellery

561

134,08

126,49

-

-

-

9. Rubber & Plastic Products

1,779

1180,54

578,40

-

-

-

10. Chemicals & Chemical Products

1,368

651,70

393,60

-

-

-

(a) Heavy Industrial Chemicals

44

52,42

37,69

-

-

-

(b) Fertilisers

23

151,94

84,22

-

-

-

(c) Drugs & Pharmaceuticals

409

69,19

54,98

-

-

-

(d) Non-Edible Oils

13

1,64

1,06

-

-

-

(e) Other Chemicals & Chemical Products

879

376,51

215,64

-

-

-

11. Petroleum, Coal Products & Nuclear Fuels

23

110,98

8,00

-

-

-

12. Manufacture of Cement & Cement Products

267

42,55

18,96

-

-

-

13. Basic Metals & Metal Products

950

1004,42

386,78

-

-

-

(a) Iron & Steel

165

333,80

273,09

-

-

-

(b) Non-Ferrous Metals

89

597,38

46,61

-

-

-

(c) Metal Products

696

73,25

67,07

-

-

-

14. Engineering

2,096

441,48

311,57

-

-

-

(a) Heavy Engineering

78

30,78

14,76

-

-

-

(b) Light Engineering

1,225

120,49

68,48

-

-

-

  (c) Electrical Machinery & Goods

433

182,43

137,87

-

-

-

  (d) Electronic Machinery & Goods

360

107,78

90,45

-

-

-

15. Vehicles, Vehicle Parts & Transport Equipments

373

209,66

143,63

-

-

-

16. Other Industries

10,339

1432,30

708,63

-

-

-

17. Electricity, Gas & Water

102

607,82

481,03

-

-

-

(a) Electricity Generation & Transmission

31

382,38

283,60

-

-

-

(b) Non-Conventional Energy

34

79,61

67,58

-

-

-

(c) Gas, Steam & Water Supply

37

145,83

129,84

-

-

-

18. Construction

4,196

1843,91

1224,21

-

-

-

  (a) Other than Infrastructure

2,509

1048,89

757,88

-

-

-

  (b) Infrastructure Construction

1,687

795,03

466,34

-

-

-

III.

TRANSPORT OPERATORS

10,870

621,08

502,29

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

38,527

4795,55

3358,85

-

-

-

1. Professional Services

7,190

514,24

392,51

-

-

-

2. Tourism, Hotel & Restaurants

2,893

1141,67

754,44

-

-

-

3. Recreation services

984

245,11

188,04

-

-

-

4. IT and Telecommunications

181

29,94

24,41

-

-

-

5. Others

27,279

2864,59

1999,45

-

-

-

V.

PERSONAL LOANS

7,65,384

15706,52

12510,25

-

-

-

1. Housing

1,57,172

8615,82

7240,13

-

-

-

2. Consumer Durables

11,223

75,00

57,39

-

-

-

3. Vehicles

2,29,814

2398,39

1620,34

-

-

-

4. Education

41,178

1010,89

772,35

-

-

-

5. Personal Credit Cards

5,354

55,74

26,89

-

-

-

6. Others

3,20,643

3550,68

2793,14

-

-

-

VI.

TRADE

94,477

6654,94

4816,56

-

-

-

1. Wholesale Trade

10,001

2692,67

1634,55

-

-

-

2. Retail Trade

84,476

3962,27

3182,01

-

-

-

VII.

FINANCE

2,537

3766,57

2949,17

-

-

-

VIII.

ALL OTHERS

79,599

1749,32

1223,44

-

-

-

TOTAL BANK CREDIT

12,70,307

50776,57

35242,45