NORTHERN REGION

STATE : PUNJAB

(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

5,42,116

10656,24

9197,07

3,15,901

8179,45

6731,79

1. Direct Finance

5,32,965

9490,99

8097,41

3,08,304

6844,11

5645,45

2. Indirect Finance

9,151

1165,25

1099,67

7,597

1335,35

1086,35

II.

INDUSTRY

15,189

4983,70

3040,86

26,179

10798,28

8470,94

1. Mining & Quarrying

87

10,55

7,06

157

64,52

44,07

2. Food Manufacturing & Processing

3,536

1366,42

881,08

8,534

3244,02

2402,61

  (a) Rice Mills, Flour & Dal Mills

671

965,56

662,97

2,598

1674,34

1268,81

  (b) Sugar

7

79,65

36,01

18

155,75

119,99

  (c) Edible Oils & Vanaspati

82

121,87

19,71

381

347,20

237,64

  (d) Tea Processing

5

22

9

33

10,26

8,82

  (e) Processing of Fruits & Vegetables

7

42

29

34

6,02

3,93

  (f) Others

2,764

198,70

162,00

5,470

1050,45

763,42

3. Beverage & Tobacco

21

55,14

44,20

73

30,83

26,01

4. Textiles

2,549

475,12

375,59

2,277

1996,34

1488,13

  (a) Cotton Textiles

217

198,94

133,98

470

1407,26

1044,38

  (b) Jute & Other Natural Fibre Textiles

88

1,95

1,56

44

14,57

11,57

  (c) Handloom Textiles & Khadi

1,443

7,54

5,19

858

68,97

55,07

  (d) Other Textiles & Textile Products

801

266,68

234,85

905

505,54

377,11

5. Paper, Paper Products & Printing

160

55,79

21,69

398

196,62

148,95

6. Woods and Wood Products

399

9,15

7,41

496

37,54

28,65

7. Leather & Leather Products

93

3,12

2,37

159

14,71

9,38

8. Gems and Jewellery

35

1,44

81

52

10,33

8,05

9. Rubber & Plastic Products

157

20,79

17,53

467

106,01

67,47

10. Chemicals & Chemical Products

248

85,39

57,89

643

213,14

166,83

  (a) Heavy Industrial Chemicals

12

68,31

44,12

42

49,76

47,67

  (b) Fertilisers

79

36

33

38

8,10

6,41

  (c) Drugs & Pharmaceuticals

31

6,42

5,92

36

34,56

20,30

  (d) Non-Edible Oils

8

54

51

40

31,63

20,93

  (e) Other Chemicals & Chemical Products

118

9,76

7,02

487

89,10

71,53

11. Petroleum, Coal Products & Nuclear Fuels

15

452,32

197,38

69

472,97

470,92

12. Manufacture of Cement & Cement Products

133

12,72

9,24

357

45,32

38,03

13. Basic Metals & Metal Products

420

163,33

127,28

1,827

1443,05

1108,48

  (a) Iron & Steel

95

51,81

34,72

868

1056,48

795,30

  (b) Non-Ferrous Metals

9

26,69

26,03

75

19,91

13,73

  (c) Metal Products

316

84,83

66,52

884

366,66

299,45

14. Engineering

3,350

151,02

105,83

6,212

395,18

278,55

  (a) Heavy Engineering

75

19,93

17,23

269

90,44

67,37

  (b) Light Engineering

3,051

107,75

73,18

5,424

218,27

138,80

  (c) Electrical Machinery & Goods

169

11,84

9,67

392

79,68

66,90

  (d) Electronic Machinery & Goods

55

11,50

5,75

127

6,78

5,48

15. Vehicles, Vehicle Parts & Transport Equipments

744

26,60

19,43

492

161,79

137,10

16. Other Industries

2,288

110,46

80,45

2,442

399,62

320,06

17. Electricity, Gas & Water

21

1351,16

843,81

69

927,82

731,14

  (a) Electricity Generation & Transmission

15

1350,66

843,40

17

874,77

679,74

  (b) Non-Conventional Energy

-

-

-

41

50,23

49,19

  (c) Gas, Steam & Water Supply

6

49

40

11

2,82

2,21

18. Construction

933

633,19

241,82

1,455

1038,47

996,50

  (a) Other than Infrastructure

724

82,44

53,57

836

82,08

65,59

  (b) Infrastructure Construction

209

550,76

188,25

619

956,39

930,91

III.

TRANSPORT OPERATORS

4,576

227,76

134,31

5,168

393,86

249,02

IV.

PROFESSIONAL AND OTHER SERVICES

21,950

1091,13

939,90

33,086

1944,26

1545,24

1. Professional Services

2,172

112,97

100,23

2,634

209,51

176,01

2. Tourism, Hotel & Restaurants

273

145,59

139,32

523

66,52

51,56

3. Recreation services

68

21,49

20,01

131

8,16

6,33

4. IT and Telecommunications

23

1,92

1,45

82

9,57

7,81

5. Others

19,414

809,16

678,89

29,716

1650,50

1303,54

V.

PERSONAL LOANS

1,26,810

2773,32

2058,32

2,19,396

5750,64

4192,60

1. Housing

33,273

1175,86

965,84

58,155

2707,27

2167,05

2. Consumer Durables

8,632

63,03

53,13

12,282

89,59

74,11

3. Vehicles

15,836

466,20

287,43

32,250

950,28

616,58

4. Education

5,318

213,30

149,65

9,879

379,85

263,06

5. Personal Credit Cards

1,500

14,47

4,69

1,686

14,87

6,61

6. Others

62,251

840,46

597,57

1,05,144

1608,79

1065,20

VI.

TRADE

38,975

2775,93

2568,79

50,088

2656,77

2007,73

1. Wholesale Trade

1,613

2093,15

2061,20

4,997

677,66

518,71

2. Retail Trade

37,362

682,79

507,58

45,091

1979,10

1489,02

VII.

FINANCE

7,274

174,82

151,62

8,121

301,73

208,24

VIII.

ALL OTHERS

10,943

364,00

155,36

29,607

647,93

467,50

TOTAL BANK CREDIT

7,67,833

23046,90

18246,24

6,87,546

30672,92

23873,07

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

NORTHERN REGION

STATE : PUNJAB

(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

86,194

3352,80

2955,42

19,113

1839,18

1445,60

1. Direct Finance

80,095

2459,62

2068,60

17,127

683,35

545,65

2. Indirect Finance

6,099

893,17

886,82

1,986

1155,83

899,95

II.

INDUSTRY

29,182

22199,56

17852,85

47,913

17880,79

12611,27

1. Mining & Quarrying

172

83,97

74,66

320

163,71

86,61

2. Food Manufacturing & Processing

2,769

1575,01

1233,14

4,251

947,35

753,66

  (a) Rice Mills, Flour & Dal Mills

657

453,57

356,33

666

204,64

169,01

  (b) Sugar

21

360,65

272,84

11

111,01

90,28

  (c) Edible Oils & Vanaspati

144

218,77

175,94

48

66,50

62,42

  (d) Tea Processing

8

1,10

81

5

22

20

  (e) Processing of Fruits & Vegetables

57

20,50

17,05

11

6,87

6,34

  (f) Others

1,882

520,42

410,17

3,510

558,11

425,41

3. Beverage & Tobacco

68

87,32

70,94

55

240,98

193,99

4. Textiles

3,742

5527,75

4331,24

23,945

9802,88

6572,82

  (a) Cotton Textiles

546

3460,60

2753,93

12,612

3236,44

1907,28

  (b) Jute & Other Natural Fibre Textiles

62

7,36

4,96

61

34,77

19,84

  (c) Handloom Textiles & Khadi

628

167,99

131,01

310

136,81

89,94

  (d) Other Textiles & Textile Products

2,506

1891,80

1441,34

10,962

6394,87

4555,75

5. Paper, Paper Products & Printing

751

509,54

467,15

1,530

1058,92

852,17

6. Woods and Wood Products

526

44,73

35,19

175

25,57

17,96

7. Leather & Leather Products

478

167,17

117,52

344

13,33

11,55

8. Gems and Jewellery

255

22,24

19,75

114

95,69

66,74

9. Rubber & Plastic Products

1,251

472,72

250,44

533

176,57

136,48

10. Chemicals & Chemical Products

1,003

565,02

437,28

858

303,83

224,29

  (a) Heavy Industrial Chemicals

66

195,63

175,25

67

22,95

11,76

  (b) Fertilisers

75

5,17

2,17

13

3,24

2,43

  (c) Drugs & Pharmaceuticals

120

198,72

126,88

125

47,42

34,37

  (d) Non-Edible Oils

13

3,51

1,95

12

24,24

23,68

  (e) Other Chemicals & Chemical Products

729

161,98

131,03

641

205,99

152,05

11. Petroleum, Coal Products & Nuclear Fuels

43

180,45

100,64

32

8,78

7,62

12. Manufacture of Cement & Cement Products

306

28,27

23,17

40

5,39

4,85

13. Basic Metals & Metal Products

5,276

2375,70

1381,30

3,799

2245,17

1561,86

  (a) Iron & Steel

1,214

1673,71

837,32

638

1072,70

767,58

  (b) Non-Ferrous Metals

411

153,87

116,52

83

60,02

37,78

  (c) Metal Products

3,651

548,12

427,47

3,078

1112,45

756,49

14. Engineering

5,487

1215,37

899,14

3,786

804,20

567,60

  (a) Heavy Engineering

423

178,24

134,64

295

83,85

57,03

  (b) Light Engineering

3,241

693,15

518,29

2,779

635,10

443,24

  (c) Electrical Machinery & Goods

1,710

310,25

218,44

578

53,90

42,83

  (d) Electronic Machinery & Goods

113

33,73

27,78

134

31,34

24,51

15. Vehicles, Vehicle Parts & Transport Equipments

1,259

714,47

534,75

3,870

1148,79

872,60

16. Other Industries

3,671

1831,09

1527,39

3,446

499,94

386,46

17. Electricity, Gas & Water

52

5958,57

5719,88

25

43,64

33,91

  (a) Electricity Generation & Transmission

39

5954,11

5717,56

10

33,83

25,99

  (b) Non-Conventional Energy

4

1,20

24

5

4,79

4,09

  (c) Gas, Steam & Water Supply

9

3,26

2,08

10

5,03

3,83

18. Construction

2,073

840,17

629,27

790

296,04

260,10

  (a) Other than Infrastructure

1,661

245,22

162,83

513

158,02

137,51

  (b) Infrastructure Construction

412

594,95

466,44

277

138,02

122,59

III.

TRANSPORT OPERATORS

5,539

454,83

268,32

3,279

317,89

221,24

IV.

PROFESSIONAL AND OTHER SERVICES

23,776

2759,94

2146,36

13,714

1884,00

1404,11

1. Professional Services

2,239

487,00

441,82

1,367

224,30

190,73

2. Tourism, Hotel & Restaurants

644

175,21

109,70

290

179,90

145,27

3. Recreation services

113

23,60

15,24

106

27,11

26,00

4. IT and Telecommunications

77

9,94

7,72

56

12,72

9,72

5. Others

20,703

2064,19

1571,88

11,895

1439,98

1032,39

V.

PERSONAL LOANS

2,44,886

6467,51

4807,31

1,59,659

4015,93

2982,29

1. Housing

59,752

3312,15

2722,93

36,999

2219,41

1800,61

2. Consumer Durables

10,029

86,52

65,23

6,054

50,44

39,06

3. Vehicles

63,794

922,30

581,43

47,821

568,04

373,04

4. Education

10,044

397,64

261,11

5,401

214,76

130,62

5. Personal Credit Cards

2,059

30,55

8,54

2,725

54,11

13,43

6. Others

99,208

1718,35

1168,08

60,659

909,16

625,52

VI.

TRADE

33,842

3295,86

2583,69

20,659

2995,59

2216,85

1. Wholesale Trade

5,223

908,89

729,08

5,580

1389,80

1054,65

2. Retail Trade

28,619

2386,96

1854,61

15,079

1605,79

1162,20

VII.

FINANCE

2,174

356,44

181,44

1,572

81,78

51,56

VIII.

ALL OTHERS

86,950

3074,41

2694,24

50,797

1036,39

700,92

TOTAL BANK CREDIT

5,12,543

41961,34

33489,63

3,16,706

30051,54

21633,83