NORTHERN REGION

STATE : PUNJAB

(Amount in Rupees Lakh)

OCCUPATION

RURAL

SEMI-URBAN

URBAN

METROPOLITAN

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

Accounts

Limit

Outstanding

1

2

3

4

5

6

7

8

9

10

11

12

I.

AGRICULTURE

3,86,744

3384,79

2869,36

1,94,500

2255,84

1849,01

34,667

841,43

691,06

2,548

219,52

183,11

1. Direct Finance

3,81,541

3267,65

2775,49

1,88,537

1967,20

1623,65

32,729

452,03

377,34

2,150

42,19

33,59

2. Indirect Finance

5,203

117,13

93,87

5,963

288,64

225,36

1,938

389,40

313,72

398

177,33

149,52

II.

INDUSTRY

21,613

666,13

525,88

21,630

2093,04

1556,03

19,889

3234,28

2378,23

20,514

6060,12

4285,39

1. Mining & Quarrying

253

11,67

10,09

116

42,95

32,49

64

31,53

19,18

45

10,24

8,42

2. Food Manufacturing & Processing

1,747

171,69

130,38

4,011

885,77

602,48

1,141

569,05

385,54

542

139,43

92,19

(a) Rice Mills, Flour & Dal Mills

780

117,18

81,45

2,592

673,88

442,89

557

435,93

274,30

198

18,27

13,55

(b) Sugar

3

18,14

17,16

10

33,32

25,10

4

22,75

22,68

2

23,00

18,13

(c) Edible Oils & Vanaspati

37

6,69

6,29

197

68,80

55,32

80

47,47

38,63

23

18,47

15,81

(d) Tea Processing

2

18

13

24

1,61

1,25

4

53

14

-

-

-

(e) Processing of Fruits & Vegetables

10

3,77

3,12

21

4,31

3,30

11

8,02

7,83

9

3,83

1,69

(f) Others

915

25,73

22,22

1,167

103,85

74,63

485

54,35

41,95

310

75,86

43,01

3. Beverage & Tobacco

32

15,03

10,49

30

12,34

6,96

46

25,81

20,75

17

8,32

7,52

4. Textiles

1,621

136,93

111,50

1,540

205,71

193,56

2,413

597,01

468,13

8,105

3459,89

2409,01

(a) Cotton Textiles

109

46,38

39,39

277

150,86

151,88

417

315,76

253,67

895

1627,73

1129,07

(b) Jute & Other Natural Fibre Textiles

107

37

27

31

2,59

1,78

69

7,35

5,65

13

7,16

6,46

(c) Handloom Textiles & Khadi

1,011

13,30

9,97

916

15,62

12,63

168

8,72

8,15

477

57,85

48,39

(d) Other Textiles & Textile Products

394

76,88

61,87

316

36,64

27,27

1,759

265,18

200,66

6,720

1767,15

1225,08

5. Paper, Paper Products & Printing

101

18,21

16,88

290

71,91

53,73

654

214,07

175,34

435

84,79

75,21

6. Leather & Leather Products

137

2,22

1,58

123

3,11

2,21

369

91,12

72,58

80

26,36

14,61

7. Rubber & Plastic Products

85

7,89

6,76

399

44,70

34,84

1,000

97,87

74,59

461

244,52

196,60

8. Chemicals & Chemical Products

160

16,04

14,02

338

46,72

42,03

665

183,85

120,65

282

63,42

50,32

(a) Heavy Industrial Chemicals

7

65

48

37

4,37

3,79

48

48,08

24,14

40

7,96

6,86

(b) Fertilisers

14

5,44

5,28

21

2,81

2,31

15

61,12

37,00

2

25

17

(c) Drugs & Pharmaceuticals

15

66

53

77

13,63

12,86

141

22,73

19,24

43

4,04

3,41

(d) Non-Edible Oils

6

48

46

11

2,39

2,23

12

2,52

2,43

9

1,04

87

(e) Other Chemicals & Chemical Products

118

8,81

7,27

192

23,53

20,83

449

49,41

37,84

188

50,13

39,00

9. Petroleum, Coal Products & Nuclear Fuels

20

88

74

19

4,99

3,69

49

5,62

4,79

34

15,69

15,18

10. Manufacture of Cement & Cement Products

65

1,74

1,26

150

7,99

6,44

107

11,42

6,51

23

1,28

1,06

11. Basic Metals & Metal Products

335

25,17

22,19

1,675

290,77

216,58

2,846

506,19

411,96

1,149

441,37

341,28

(a) Iron & Steel

45

10,58

9,57

717

222,36

159,62

616

244,74

214,98

458

316,86

252,47

(b) Non-Ferrous Metals

7

1,22

1,23

28

2,17

1,80

257

33,98

23,37

24

5,51

4,50

(c) Metal Products

283

13,37

11,38

930

66,23

55,16

1,973

227,47

173,61

667

119,01

84,31

12. Engineering

677

38,67

29,03

1,778

169,09

136,04

2,990

268,20

170,32

1,578

365,69

199,91

(a) Heavy Engineering

65

3,54

2,53

339

43,51

33,08

315

79,45

47,81

275

61,07

46,66

(b) Light Engineering

372

11,62

9,25

1,031

44,75

35,17

1,626

97,31

68,11

999

198,78

99,81

(c) Electrical Machinery & Goods

122

3,12

1,84

318

47,63

37,70

491

71,55

38,38

242

75,70

24,41

(d) Electronic Machinery & Goods

118

20,39

15,41

90

33,21

30,08

558

19,90

16,02

62

30,14

29,02

13. Vehicles, Vehicle Parts & Transport Equipments

368

36,85

27,65

645

80,53

48,14

396

93,37

63,79

4,009

747,11

529,20

14. Other Industries

15,407

92,98

71,31

8,856

152,18

111,23

5,972

279,16

211,70

3,192

394,80

292,36

15. Electricity, Gas & Water

16

20,84

20,58

29

2,45

1,84

24

113,13

53,48

6

1,41

73

(a) Electricity Generation & Transmission

13

20,75

20,49

11

59

44

5

100,27

50,56

2

57

29

(b) Non-Conventional Energy

1

3

2

1

7

7

3

35

29

-

-

-

(c) Gas, Steam & Water Supply

2

7

7

17

1,80

1,33

16

12,51

2,63

4

84

45

16. Construction

589

69,31

51,43

1,631

71,84

63,79

1,153

146,89

118,90

556

55,81

51,80

III.

TRANSPORT OPERATORS

5,237

37,10

29,21

2,904

27,28

19,56

2,495

33,16

25,70

495

13,40

10,97

IV.

PROFESSIONAL AND OTHER SERVICES

6,560

110,81

90,67

8,364

400,49

272,99

7,285

283,57

217,20

2,091

219,46

204,10

V.

PERSONAL LOANS

1,31,122

1134,81

948,81

1,74,805

1932,54

1600,90

1,92,892

2893,86

2375,19

70,682

1580,67

1313,72

1. Loans for Purchase of Consumer Durables

8,555

35,22

25,96

6,790

37,81

28,20

6,584

43,10

32,40

2,202

24,92

21,38

2. Loans for Housing

22,430

376,93

335,06

34,268

758,60

679,64

40,763

1272,39

1130,09

16,898

712,41

636,10

3. Rest of the Personal Loans

1,00,137

722,66

587,79

1,33,747

1136,14

893,06

1,45,545

1578,38

1212,70

51,582

843,34

656,24

VI.

TRADE

44,466

4020,10

2636,59

49,562

964,97

748,18

34,560

1283,68

1021,15

7,542

818,22

628,64

1. Wholesale Trade

1,440

3742,60

2413,18

3,934

266,74

209,24

4,187

418,08

326,36

2,426

391,88

321,93

2. Retail Trade

43,026

277,50

223,42

45,628

698,23

538,93

30,373

865,60

694,79

5,116

426,34

306,71

VII.

FINANCE

633

22,37

20,74

648

65,58

52,53

469

38,17

29,49

84

40,77

24,50

VIII.

ALL OTHERS

22,532

203,56

159,96

31,049

620,33

486,42

31,255

664,12

532,08

10,792

524,97

378,44

TOTAL BANK CREDIT

6,18,907

9579,65

7281,23

4,83,462

8360,08

6585,62

3,23,512

9272,28

7270,10

1,14,748

9477,13

7028,86

OF WHICH : 1. Artisans and Village & Tiny Industries

10,730

62,65

45,70

3,940

169,85

119,50

1,211

24,93

20,85

511

35,44

28,09

2. Other Small Scale Industries

6,794

233,20

169,90

11,238

909,91

645,25

12,166

1224,93

897,55

13,602

1722,73

1227,16