(Amount in ` Million)

I. AGRICULTURE

31,962

27034.1

16315.9

1,789,281

748859.8

567057.0

1. Direct Finance

30,558

21781.1

12265.0

1,725,448

679871.1

516705.5

2. Indirect Finance

1,404

5253.0

4050.9

63,833

68988.7

50351.5

II. INDUSTRY

8,078

964277.0

373674.2

55,728

1844486.8

1035298.8

1. Mining & Quarrying

156

27084.3

23363.9

685

60009.7

34843.6

2. Food Manufacturing & Processing

600

57167.8

19506.6

2,671

97204.2

60550.9

(a) Rice Mills, Flour & Dal Mills

80

5707.5

1171.8

562

15988.3

7635.4

(b) Sugar

30

28388.6

7060.1

138

15815.6

12368.0

(c) Edible Oils & Vanaspati

43

4933.8

890.9

217

11005.7

5614.3

(d) Tea Processing

4

183.7

82.6

39

1190.4

1183.3

(e) Processing of Fruits & Vegetables

13

654.2

2836.5

262

19976.6

15945.1

(f) Others

430

17300.0

7464.6

1,453

33227.5

17804.7

3. Beverage & Tobacco

46

2804.5

2093.7

196

16888.0

3899.9

4. Textiles

1,696

111418.5

30683.2

7,485

255226.7

73327.7

(a) Cotton Textiles

341

21570.8

11117.3

2,645

47636.8

30462.0

(b) Jute & Other Natural Fibre Textiles

20

1025.1

367.4

63

673.5

741.0

(c) Handloom Textiles & Khadi

16

17.1

16.0

292

1585.0

1336.0

(d) Other Textiles & Textile Products

1,319

88805.5

19182.5

4,485

205331.4

40788.7

5. Paper, Paper Products & Printing

176

83862.3

10982.5

784

27483.1

17059.1

6. Woods and Wood Products

19

179.2

162.6

230

3851.1

3409.4

7. Leather & Leather Products

143

22026.1

1832.4

504

13336.1

6171.8

8. Gems and Jewellery

930

61256.4

37712.8

624

73373.5

29722.4

9. Rubber & Plastic Products

240

10752.3

7195.3

730

11685.7

5410.1

10. Chemicals & Chemical Products

734

135426.4

61648.8

1,677

125363.5

51803.6

(a) Heavy Industrial Chemicals

111

14189.6

5085.4

320

15386.4

9962.0

(b) Fertilisers

19

4438.6

1210.1

52

9857.3

4283.2

(c) Drugs & Pharmaceuticals

323

94123.9

45215.5

331

68514.8

20067.7

(d) Non-Edible Oils

3

104.4

89.1

41

1623.9

1078.1

(e) Other Chemicals & Chemical Products

278

22569.9

10048.8

933

29981.1

16412.7

11. Petroleum, Coal Products & Nuclear Fuels

41

19524.9

23420.7

129

91709.4

73282.6

12. Manufacture of Cement & Cement Products

29

1139.1

525.2

423

29791.2

17952.4

13. Basic Metals & Metal Products

708

218762.5

61574.8

2,098

204572.0

124082.2

(a) Iron & Steel

206

42421.7

21577.2

1,153

137060.5

104350.3

(b) Non-Ferrous Metals

185

93214.9

29998.0

295

17689.5

12890.3

(c) Metal Products

317

83125.9

9999.6

650

49822.0

6841.6

14. Engineering

723

56409.3

34015.6

8,906

105017.9

52856.4

(a) Heavy Engineering

111

10811.0

6268.9

499

13761.1

7972.0

(b) Light Engineering

466

32156.1

21248.0

7,530

30458.1

14817.1

(c) Electrical Machinery & Goods

125

11781.1

5763.0

674

35619.8

24393.6

(d) Electronic Machinery & Goods

21

1661.2

735.6

203

25178.8

5673.7

15. Vehicles,Vehicle Parts & Transport Equipments

293

35573.5

21959.3

4,002

107051.4

47330.4

16. Other Industries

518

67445.6

10384.1

2,779

24099.9

16484.0

17. Electricity, Gas & Water

31

7640.6

1107.4

434

295340.1

222785.9

(a) Electricity Generation & Transmission

7

735.5

468.5

270

268836.3

197603.9

(b) Non-Conventional Energy

11

214.1

167.5

65

7606.0

6818.4

(c) Gas, Steam & Water Supply

13

6691.0

471.4

99

18897.8

18363.7

18. Construction

995

45803.9

25505.5

21,371

302483.3

194326.4

(a) Other than Infrastructure

847

18365.7

5492.4

18,010

69356.5

37449.0

(b) Infrastructure Construction

148

27438.2

20013.1

3,361

233126.8

156877.4

III. TRANSPORT OPERATORS

5,032

16962.7

14167.3

131,325

271571.3

135120.5

IV. PROFESSIONAL AND OTHER SERVICES

1,459

84880.8

32193.0

35,701

268399.3

109496.4

1. Professional Services

191

19887.6

3137.2

6,187

9878.0

4777.1

2. Tourism, Hotel & Restaurants

122

15030.9

3129.5

2,848

45946.3

17775.5

3. Recreation services

30

498.3

469.1

218

5312.4

1645.3

4. IT and Telecommunications

40

25240.5

13099.8

424

53288.1

27833.0

5. Others

1,076

24223.4

12357.3

26,024

153974.5

57465.5

V. PERSONAL LOANS

58,775

62187.7

49294.3

1,744,390

1510904.1

1163600.6

1. Housing

41,918

30436.2

24965.1

1,081,024

1125313.9

918710.4

2. Consumer Durables

1,036

400.0

327.3

6,984

3812.3

2989.4

3. Vehicles

5,840

3273.3

1223.4

221,330

125872.4

71768.8

4. Education

624

572.1

170.2

67,667

35545.9

20170.5

5. Personal Credit Cards

1

0.4

0.4

36

141.4

90.1

6. Others

9,356

27505.8

22607.9

367,349

220218.2

149871.4

VI. TRADE

5,300

110954.1

50519.6

47,852

274146.0

180558.8

1. Wholesale Trade

2,618

93076.0

40088.0

3,592

133226.9

94835.2

2. Retail Trade

2,682

17878.1

10431.7

44,260

140919.1

85723.6

VII. FINANCE

730

112622.2

57713.8

25,684

728294.3

449838.1

VIII. ALL OTHERS

13,628

229977.1

20553.1

53,848

119253.2

72205.9

TOTAL LOANS AND ADVANCES

124,964

1608895.7

614431.2

3,883,809

5765914.9

3713176.2

See Notes on Tables.

TABLE NO.5.3 - INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND ADVANCES OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - MARCH 2012

(Amount in ` Million)

I. AGRICULTURE

596,797

1144278.3

899109.0

461,011

486752.7

383589.1

1. Direct Finance

548,056

626261.7

501678.5

423,556

338137.3

276061.1

2. Indirect Finance

48,741

518016.6

397430.4

37,455

148615.4

107528.0

II. INDUSTRY

149,688

6388220.4

4328342.1

111,548

4100364.4

2723742.6

1. Mining & Quarrying

2,029

215325.0

143159.4

1,651

67578.4

44379.6

2. Food Manufacturing & Processing

13,324

426390.5

330810.7

14,289

332635.7

225008.0

(a) Rice Mills, Flour & Dal Mills

5,845

102004.3

79162.4

5,560

90985.5

74337.2

(b) Sugar

417

92130.0

77619.9

387

93107.7

59188.4

(c) Edible Oils & Vanaspati

972

49175.5

34508.9

1,692

33918.6

21138.9

(d) Tea Processing

129

1794.6

1209.2

124

2402.7

1893.4

(e) Processing of Fruits & Vegetables

751

48525.8

31649.9

654

44244.6

23058.7

(f) Others

5,210

132760.2

106660.4

5,872

67976.7

45391.5

3. Beverage & Tobacco

772

34027.3

18371.7

721

41859.0

30369.3

4. Textiles

18,760

376565.9

249549.8

18,530

387125.0

256517.5

(a) Cotton Textiles

7,602

189706.0

131703.6

5,299

218540.2

150896.2

(b) Jute & Other Natural Fibre Textiles

279

3728.8

2739.1

310

1927.5

1409.6

(c) Handloom Textiles & Khadi

757

6403.3

2468.9

889

4139.0

2851.9

(d) Other Textiles & Textile Products

10,122

176727.8

112638.2

12,032

162518.2

101359.9

5. Paper, Paper Products & Printing

2,631

92752.2

36767.3

3,309

72660.8

47017.0

6. Woods and Wood Products

819

3040.6

2554.0

976

6598.7

4382.5

7. Leather & Leather Products

1,458

24572.9

16741.3

1,013

9696.6

5257.0

8. Gems and Jewellery

1,448

108452.8

60351.6

1,138

32205.4

24711.8

9. Rubber & Plastic Products

2,694

50940.4

39176.1

3,356

75943.1

54124.4

10. Chemicals & Chemical Products

4,399

460357.0

294778.0

3,829

133526.1

85735.0

(a) Heavy Industrial Chemicals

757

63737.1

42615.5

578

19847.0

12582.3

(b) Fertilisers

215

179684.3

121769.5

124

13011.5

9442.6

(c) Drugs & Pharmaceuticals

931

121807.6

71100.7

768

55279.2

36443.9

(d) Non-Edible Oils

145

3694.1

2594.7

117

1243.6

956.6

(e) Other Chemicals & Chemical Products

2,351

91433.9

56697.7

2,242

44144.9

26309.6

11. Petroleum, Coal Products & Nuclear Fuels

451

513970.1

400019.5

335

57516.6

30191.6

12. Manufacture of Cement & Cement Products

1,168

69202.6

49907.8

1,342

84742.2

58759.3

13. Basic Metals & Metal Products

5,962

599016.6

369170.0

6,109

674644.5

408909.2

(a) Iron & Steel

2,878

447421.2

259730.6

2,669

355068.9

240569.8

(b) Non-Ferrous Metals

858

97487.8

68979.7

766

240075.6

120592.6

(c) Metal Products

2,226

54107.5

40459.7

2,674

79500.0

47746.8

14. Engineering

24,982

300562.9

171509.4

19,480

201700.0

140263.4

(a) Heavy Engineering

1,594

56873.0

37651.5

1,903

34334.7

20966.4

(b) Light Engineering

20,639

68811.9

52878.9

14,991

77793.2

55394.6

(c) Electrical Machinery & Goods

2,032

92813.3

52322.6

1,945

62450.6

42400.7

(d) Electronic Machinery & Goods

717

82064.7

28656.4

641

27121.5

21501.7

15. Vehicles,Vehicle Parts & Transport Equipments

8,465

177169.3

108320.6

4,337

141014.8

81399.0

16. Other Industries

10,541

142956.5

94860.3

8,749

118733.1

57318.4

17. Electricity, Gas & Water

1,403

1343110.1

872282.7

1,137

563608.0

428034.5

(a) Electricity Generation & Transmission

1,015

1243764.4

795282.6

594

530298.3

410661.4

(b) Non-Conventional Energy

192

25141.0

18366.0

287

20336.3

11381.1

(c) Gas, Steam & Water Supply

196

74204.8

58634.1

256

12973.4

5991.9

18. Construction

48,382

1449807.7

1070011.9

21,247

1098576.5

741365.0

(a) Other than Infrastructure

39,793

180409.3

122398.7

14,867

148616.6

109356.7

(b) Infrastructure Construction

8,589

1269398.4

947613.2

6,380

949959.9

632008.3

III. TRANSPORT OPERATORS

209,293

600775.1

435551.1

97,199

196309.0

129870.5

IV. PROFESSIONAL AND OTHER SERVICES

122,889

1083168.1

680153.8

74,025

898899.0

487866.4

1. Professional Services

23,528

90128.5

56798.5

15,156

37126.2

27334.8

2. Tourism, Hotel & Restaurants

8,766

58267.1

43839.2

5,958

67742.8

37438.8

3. Recreation services

662

36046.1

18846.3

491

16346.7

11511.2

4. IT and Telecommunications

1,451

311188.7

248729.5

1,045

321973.3

140389.6

5. Others

88,482

587537.8

311940.3

51,375

455710.0

271192.0

V. PERSONAL LOANS

2,841,606

2703392.2

2087106.8

1,701,010

1340258.4

1013819.9

1. Housing

1,561,384

1745805.8

1423528.6

961,123

935451.3

721339.5

2. Consumer Durables

12,259

11370.8

9212.8

9,007

6576.8

5421.6

3. Vehicles

731,911

333318.3

231448.2

410,139

182878.9

141724.3

4. Education

122,265

53437.4

32471.7

140,301

63019.3

45468.5

5. Personal Credit Cards

6,411

3802.3

1183.3

32

40.2

27.3

6. Others

407,376

555657.7

389262.2

180,408

152291.9

99838.7

VI. TRADE

141,022

1856311.0

1128410.1

115,886

726797.9

488021.5

1. Wholesale Trade

15,650

1121733.0

588456.8

12,753

297949.9

168952.4

2. Retail Trade

125,372

734578.1

539953.3

103,133

428848.0

319069.1

VII. FINANCE

14,573

3323571.8

2441721.9

13,183

593922.2

442107.0

VIII. ALL OTHERS

205,390

1799294.7

543432.1

148,391

326773.2

250997.1

TOTAL LOANS AND ADVANCES

4,281,258

18899011.7

12543826.8

2,722,253

8670076.8

5920014.0

TABLE NO.5.3 - INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND ADVANCES OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - MARCH 2012

(Amount in ` Million)

I. AGRICULTURE

776,066

585029.2

423669.4

884,566

526273.5

433604.6

1. Direct Finance

741,638

489292.8

352374.0

845,313

430329.2

361724.4

2. Indirect Finance

34,428

95736.3

71295.4

39,253

95944.3

71880.3

II. INDUSTRY

155,223

4990894.4

3165554.9

211,967

4509238.3

3042908.6

1. Mining & Quarrying

2,903

82606.2

56582.6

5,434

118690.7

91741.8

2. Food Manufacturing & Processing

19,201

311202.6

221107.0

24,636

283873.6

202753.0

(a) Rice Mills, Flour & Dal Mills

7,220

72421.5

52446.5

7,932

59008.5

45530.7

(b) Sugar

373

87011.8

64321.2

492

59236.9

44650.1

(c) Edible Oils & Vanaspati

1,648

36862.9

23382.9

2,600

44600.8

27978.2

(d) Tea Processing

162

4282.3

2850.5

213

3488.4

2121.6

(e) Processing of Fruits & Vegetables

1,659

22786.8

17643.6

1,378

39269.9

25190.3

(f) Others

8,139

87837.2

60462.3

12,021

78269.1

57282.0

3. Beverage & Tobacco

1,164

53748.3

41260.5

1,853

46150.7

36765.8

4. Textiles

26,639

527480.6

349496.7

34,414

466757.7

342550.9

(a) Cotton Textiles

7,594

251712.6

176686.1

10,227

235267.9

172970.8

(b) Jute & Other Natural Fibre Textiles

480

7090.7

4069.7

597

4007.7

2312.5

(c) Handloom Textiles & Khadi

1,729

8305.1

5587.1

2,322

7051.1

5507.8

(d) Other Textiles & Textile Products

16,836

260372.1

163153.7

21,268

220431.1

161759.7

5. Paper, Paper Products & Printing

6,253

98060.2

65065.4

9,593

109152.9

73176.9

6. Woods and Wood Products

1,980

10693.4

7663.8

3,811

19503.8

14383.6

7. Leather & Leather Products

1,593

35987.3

14985.1

2,081

22308.0

15809.4

8. Gems and Jewellery

1,339

24705.4

18580.4

2,042

40665.5

31024.9

9. Rubber & Plastic Products

6,594

90586.6

58614.0

10,260

86709.6

60504.6

10. Chemicals & Chemical Products

6,852

209955.9

128966.0

11,050

258575.6

173536.5

(a) Heavy Industrial Chemicals

1,077

31803.2

20476.6

2,029

45525.6

28748.5

(b) Fertilisers

240

19121.2

6218.8

428

24526.2

11337.4

(c) Drugs & Pharmaceuticals

1,274

77341.3

52689.7

2,266

92175.3

71175.9

(d) Non-Edible Oils

210

5488.8

3273.3

387

5978.5

4291.2

(e) Other Chemicals & Chemical Products

4,051

76201.5

46307.6

5,940

90370.0

57983.6

11. Petroleum, Coal Products & Nuclear Fuels

586

88390.9

23990.9

1,083

50157.7

24235.9

12. Manufacture of Cement & Cement Products

2,730

114336.0

95275.6

4,669

66365.7

54487.1

13. Basic Metals & Metal Products

12,337

818326.9

569312.1

18,843

676096.8

454418.6

(a) Iron & Steel

5,682

640701.2

448930.4

8,892

537121.4

358767.2

(b) Non-Ferrous Metals

1,619

83049.0

57179.4

2,849

47553.6

36196.0

(c) Metal Products

5,036

94576.6

63202.3

7,102

91421.8

59455.4

14. Engineering

21,124

698228.4

269448.7

28,101

362003.9

280243.5

(a) Heavy Engineering

2,997

64226.8

44656.1

4,391

63469.7

47365.2

(b) Light Engineering

12,850

130537.9

97845.4

16,266

125956.8

100768.7

(c) Electrical Machinery & Goods

4,020

420798.6

59986.9

5,672

107478.6

78879.6

(d) Electronic Machinery & Goods

1,257

82665.1

66960.3

1,772

65098.8

53230.1

15. Vehicles,Vehicle Parts & Transport Equipments

5,723

140853.0

98337.2

6,088

134381.9

91884.0

16. Other Industries

18,084

156987.4

87828.8

29,017

160177.8

119656.5

17. Electricity, Gas & Water

1,426

554288.7

379439.4

1,916

745905.9

395457.8

(a) Electricity Generation & Transmission

651

505121.4

343150.5

945

705464.0

363908.2

(b) Non-Conventional Energy

382

41625.5

30831.1

379

24399.5

19627.1

(c) Gas, Steam & Water Supply

393

7541.8

5457.9

592

16042.5

11922.4

18. Construction

18,695

974456.6

679600.5

17,076

861760.3

580277.6

(a) Other than Infrastructure

12,127

238485.8

179618.1

10,505

204556.6

157994.6

(b) Infrastructure Construction

6,568

735970.8

499982.4

6,571

657203.7

422282.9

III. TRANSPORT OPERATORS

99,828

239173.6

166819.7

88,897

159728.4

114950.1

IV. PROFESSIONAL AND OTHER SERVICES

83,624

902074.2

576532.9

108,655

882279.9

645712.2

1. Professional Services

13,666

52836.6

40999.0

12,632

49314.4

37462.6

2. Tourism, Hotel & Restaurants

6,491

117495.5

80576.6

9,701

147654.0

101143.0

3. Recreation services

786

31998.9

24878.8

1,724

32250.5

23567.9

4. IT and Telecommunications

1,642

177352.1

37283.1

2,844

97321.2

77518.9

5. Others

61,039

522390.9

392795.4

81,754

555739.9

406019.9

V. PERSONAL LOANS

1,274,015

860309.0

618063.2

1,015,787

575317.7

418403.5

1. Housing

392,109

406535.6

280906.2

135,452

151100.5

108959.8

2. Consumer Durables

8,218

5415.2

4158.2

11,213

6602.5

5424.6

3. Vehicles

307,106

128275.3

90318.0

200,763

77986.8

43150.1

4. Education

383,491

149660.7

110418.1

393,361

155323.2

124872.6

5. Personal Credit Cards

188

156.9

138.3

329

1518.8

1451.4

6. Others

182,903

170265.2

132124.5

274,669

182785.8

134545.0

VI. TRADE

145,392

1535462.4

613005.9

392,524

840831.6

639972.6

1. Wholesale Trade

20,849

1053696.0

300690.7

35,676

265115.3

199530.5

2. Retail Trade

124,543

481766.3

312315.2

356,848

575716.3

440442.1

VII. FINANCE

17,523

410911.5

299467.8

54,095

162106.2

90441.6

VIII. ALL OTHERS

119,506

338913.8

242704.6

111,863

251064.7

188511.8

TOTAL LOANS AND ADVANCES

2,671,177

9862767.9

6105818.3

2,868,354

7906840.3

5574504.9

TABLE NO.5.3 - INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND ADVANCES OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - MARCH 2012

(Amount in ` Million)

I. AGRICULTURE

547,059

410413.6

309070.8

133,762

108959.8

91494.7

1. Direct Finance

522,476

308165.5

239305.4

126,742

87697.7

74272.8

2. Indirect Finance

24,583

102248.0

69765.3

7,020

21262.2

17221.8

II. INDUSTRY

188,765

3812513.0

2106084.2

75,735

1017680.9

696036.9

1. Mining & Quarrying

5,103

75962.7

48233.5

1,881

21587.5

16116.3

2. Food Manufacturing & Processing

22,307

307247.1

149259.6

7,270

61744.9

48568.7

(a) Rice Mills, Flour & Dal Mills

7,206

69490.0

26779.2

2,028

10422.7

7943.1

(b) Sugar

475

43880.2

35028.2

153

10023.6

8534.1

(c) Edible Oils & Vanaspati

2,066

33775.9

21015.1

689

6995.0

5545.6

(d) Tea Processing

242

4923.9

1327.5

91

788.2

613.0

(e) Processing of Fruits & Vegetables

1,295

18044.2

12351.3

375

4938.3

4188.9

(f) Others

11,023

137132.9

52758.4

3,934

28577.2

21744.0

3. Beverage & Tobacco

1,913

34562.2

27684.4

735

16254.4

11676.1

4. Textiles

30,310

930113.8

255664.6

9,180

93643.3

70076.5

(a) Cotton Textiles

8,197

308715.7

125460.8

3,057

50276.6

36816.7

(b) Jute & Other Natural Fibre Textiles

628

4931.6

2678.2

168

2377.0

1962.0

(c) Handloom Textiles & Khadi

2,164

8326.7

4757.3

403

1866.0

1474.8

(d) Other Textiles & Textile Products

19,321

608139.8

122768.3

5,552

39123.6

29823.0

5. Paper, Paper Products & Printing

8,981

78992.9

59919.8

3,672

27247.6

20669.0

6. Woods and Wood Products

3,246

14323.7

10676.5

1,212

6810.0

5665.1

7. Leather & Leather Products

2,915

80755.3

15592.4

672

5415.3

3968.1

8. Gems and Jewellery

1,792

94089.0

64025.2

534

10018.2

9485.0

9. Rubber & Plastic Products

9,381

77034.4

56684.6

3,635

27914.7

21155.0

10. Chemicals & Chemical Products

10,444

240964.1

139025.4

4,313

69360.7

47961.2

(a) Heavy Industrial Chemicals

1,827

45090.9

24606.2

723

11345.9

6607.5

(b) Fertilisers

356

8066.5

5121.0

152

2766.1

1069.2

(c) Drugs & Pharmaceuticals

2,280

104894.6

59801.0

1,066

25521.5

16591.3

(d) Non-Edible Oils

429

5640.8

4380.1

150

3589.1

3472.2

(e) Other Chemicals & Chemical Products

5,552

77271.4

45117.1

2,222

26138.3

20221.0

11. Petroleum, Coal Products & Nuclear Fuels

1,045

139460.0

41757.6

426

23982.4

14925.6

12. Manufacture of Cement & Cement Products

4,765

38538.0

30513.9

1,537

13582.5

9514.2

13. Basic Metals & Metal Products

16,127

414339.3

307907.6

5,923

202827.9

98268.6

(a) Iron & Steel

7,599

296447.8

229720.8

2,750

165377.7

69384.8

(b) Non-Ferrous Metals

2,892

52502.7

31777.1

1,068

13943.3

10156.6

(c) Metal Products

5,636

65388.8

46409.7

2,105

23506.9

18727.2

14. Engineering

26,760

275727.1

207247.6

14,309

110711.9

85566.7

(a) Heavy Engineering

5,158

50528.4

40610.4

1,547

22527.9

18531.8

(b) Light Engineering

15,116

117760.3

83431.4

10,006

43778.1

33231.4

(c) Electrical Machinery & Goods

5,052

75056.9

55264.2

2,030

25968.8

18004.3

(d) Electronic Machinery & Goods

1,434

32381.6

27941.6

726

18437.0

15799.2

15. Vehicles,Vehicle Parts & Transport Equipments

5,186

105596.0

59128.4

2,202

25151.6

16484.9

16. Other Industries

21,891

111575.6

82849.9

7,565

67941.4

35579.3

17. Electricity, Gas & Water

1,618

269686.9

159049.6

655

40983.3

30047.8

(a) Electricity Generation & Transmission

632

235745.7

130630.4

224

27325.9

19319.2

(b) Non-Conventional Energy

279

25664.3

23293.3

116

4232.9

3740.8

(c) Gas, Steam & Water Supply

707

8276.9

5125.9

315

9424.6

6987.9

18. Construction

14,981

523544.8

390863.6

10,014

192503.4

150308.9

(a) Other than Infrastructure

9,331

193744.3

144998.5

6,848

115907.5

89463.1

(b) Infrastructure Construction

5,650

329800.5

245865.1

3,166

76595.9

60845.7

III. TRANSPORT OPERATORS

70,182

105592.6

78111.2

29,715

41265.1

28488.6

IV. PROFESSIONAL AND OTHER SERVICES

83,143

739574.4

541373.2

45,181

353530.4

270078.2

1. Professional Services

8,568

50713.4

37594.0

5,275

23733.7

18152.2

2. Tourism, Hotel & Restaurants

9,952

129425.3

89417.3

4,873

54759.0

44863.9

3. Recreation services

1,603

33356.2

26250.3

793

32014.5

29319.7

4. IT and Telecommunications

2,427

59812.0

51088.3

866

8395.2

7021.4

5. Others

60,593

466267.5

337023.4

33,374

234627.9

170721.0

V. PERSONAL LOANS

1,116,995

592162.9

434775.6

239,569

153368.8

109138.2

1. Housing

151,107

127361.2

89897.3

46,548

44601.2

31967.1

2. Consumer Durables

9,117

5862.7

4695.9

5,027

3250.3

2524.6

3. Vehicles

46,034

21861.2

12901.9

24,260

10595.6

6637.8

4. Education

75,340

45657.7

35530.9

9,426

5632.2

4749.2

5. Personal Credit Cards

972

301.4

31.5

5

9.0

3.9

6. Others

834,425

391118.7

291718.1

154,303

89280.4

63255.6

VI. TRADE

252,984

911560.7

635994.9

96,824

320056.8

224476.6

1. Wholesale Trade

26,611

491308.6

322120.3

13,450

130770.1

90908.1

2. Retail Trade

226,373

420252.1

313874.6

83,374

189286.7

133568.4

VII. FINANCE

4,836

138379.6

36456.8

2,498

24721.8

11488.1

VIII. ALL OTHERS

110,949

427703.1

129547.8

50,206

63142.0

48385.8

TOTAL LOANS AND ADVANCES

2,374,913

7137899.8

4271414.6

673,490

2082725.7

1479587.1

TABLE NO.5.3 - INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND ADVANCES OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - MARCH 2012

(Amount in ` Million)

I. AGRICULTURE

46,848

33958.1

25529.6

95,266

48853.1

35288.4

1. Direct Finance

44,663

25469.9

19776.6

93,046

42607.8

31141.2

2. Indirect Finance

2,185

8488.2

5753.0

2,220

6245.3

4147.2

II. INDUSTRY

31,148

358808.6

261130.1

26,497

322009.4

164070.0

1. Mining & Quarrying

704

7587.8

5558.8

607

8850.8

4263.6

2. Food Manufacturing & Processing

2,620

24839.5

18399.9

1,747

18959.7

9327.1

(a) Rice Mills, Flour & Dal Mills

683

4483.4

2743.7

467

5675.0

3353.4

(b) Sugar

81

5617.0

4513.6

52

2413.6

724.4

(c) Edible Oils & Vanaspati

316

3563.4

3287.8

222

2373.9

1187.0

(d) Tea Processing

37

424.5

314.9

33

412.9

71.2

(e) Processing of Fruits & Vegetables

151

1690.2

1133.0

86

1654.6

256.2

(f) Others

1,352

9061.0

6406.8

887

6429.7

3734.9

3. Beverage & Tobacco

253

5994.3

4688.1

216

5385.5

3390.0

4. Textiles

3,692

37502.9

27553.8

3,249

24505.6

14057.3

(a) Cotton Textiles

1,418

16624.6

11531.9

975

9753.9

5682.5

(b) Jute & Other Natural Fibre Textiles

69

654.2

411.6

49

247.3

167.0

(c) Handloom Textiles & Khadi

156

644.6

535.7

109

376.0

255.4

(d) Other Textiles & Textile Products

2,049

19579.5

15074.7

2,116

14128.4

7952.4

5. Paper, Paper Products & Printing

1,305

10090.6

7676.3

999

9452.5

5740.9

6. Woods and Wood Products

487

2773.8

2681.2

331

1485.9

758.4

7. Leather & Leather Products

310

2625.6

2043.8

261

1982.7

1356.8

8. Gems and Jewellery

219

4944.4

2533.9

317

6465.5

4366.9

9. Rubber & Plastic Products

1,210

7836.3

6142.7

894

5154.2

3596.4

10. Chemicals & Chemical Products

1,694

24753.9

14318.3

1,382

28065.8

12186.5

(a) Heavy Industrial Chemicals

301

4956.2

2511.0

270

3911.9

2171.9

(b) Fertilisers

77

2820.1

873.8

47

2934.6

360.8

(c) Drugs & Pharmaceuticals

480

10073.3

5773.5

450

12279.9

5229.1

(d) Non-Edible Oils

89

704.6

610.8

17

103.4

199.2

(e) Other Chemicals & Chemical Products

747

6199.7

4549.1

598

8835.8

4225.4

11. Petroleum, Coal Products & Nuclear Fuels

189

16721.7

4610.9

176

24649.8

7285.3

12. Manufacture of Cement & Cement Products

442

5516.2

2824.2

295

4825.3

1694.5

13. Basic Metals & Metal Products

2,334

47207.0

37119.5

1,887

36874.1

19522.5

(a) Iron & Steel

1,152

35488.0

28154.7

949

21576.5

12595.8

(b) Non-Ferrous Metals

384

5694.0

4687.6

277

4417.8

2034.5

(c) Metal Products

798

6025.0

4277.3

661

10879.8

4892.3

14. Engineering

6,698

40415.0

31317.7

5,389

32295.5

15322.2

(a) Heavy Engineering

556

4683.1

3530.4

656

5216.6

2847.6

(b) Light Engineering

5,059

17451.8

13131.7

3,798

11310.4

5729.9

(c) Electrical Machinery & Goods

823

11132.0

9836.2

737

11663.3

4651.3

(d) Electronic Machinery & Goods

260

7148.0

4819.5

198

4105.3

2093.3

15. Vehicles,Vehicle Parts & Transport Equipments

983

8152.2

6328.0

872

32023.8

6018.0

16. Other Industries

2,802

17383.0

12658.0

3,219

12580.8

7321.7

17. Electricity, Gas & Water

245

11890.8

9532.0

178

7844.4

3847.4

(a) Electricity Generation & Transmission

93

8880.6

7532.4

72

6531.4

2871.2

(b) Non-Conventional Energy

69

2143.0

1505.5

19

852.8

725.7

(c) Gas, Steam & Water Supply

83

867.2

494.1

87

460.3

250.4

18. Construction

4,961

82573.7

65143.2

4,478

60607.4

44014.6

(a) Other than Infrastructure

3,451

42993.2

35026.2

3,300

17666.2

13360.0

(b) Infrastructure Construction

1,510

39580.5

30117.0

1,178

42941.2

30654.6

III. TRANSPORT OPERATORS

11,344

21886.3

14670.4

11,576

14045.3

7479.4

IV. PROFESSIONAL AND OTHER SERVICES

18,944

119365.8

88874.6

14,890

108072.2

45099.2

1. Professional Services

2,947

9074.3

6793.3

2,528

9472.8

5155.4

2. Tourism, Hotel & Restaurants

1,764

21246.9

16902.0

1,492

9539.7

5097.1

3. Recreation services

311

4286.8

3538.8

301

4734.4

2033.0

4. IT and Telecommunications

374

4173.9

2972.4

423

6216.6

1311.9

5. Others

13,548

80583.8

58668.0

10,146

78108.7

31501.8

V. PERSONAL LOANS

227,005

154454.4

62492.7

150,723

86972.6

60802.6

1. Housing

22,983

15986.6

12186.4

23,666

15694.2

14794.4

2. Consumer Durables

1,909

974.5

750.7

2,712

1399.3

772.3

3. Vehicles

14,774

6162.6

3739.5

14,712

5338.8

3211.8

4. Education

6,056

2842.0

2515.4

2,797

1475.7

1083.3

5. Personal Credit Cards

48,876

17779.4

444.0

3,008

1575.7

210.8

6. Others

132,407

110709.4

42856.8

103,828

61489.0

40730.0

VI. TRADE

44,990

155551.1

89258.2

41,602

144238.7

70140.5

1. Wholesale Trade

6,553

42315.4

35927.8

5,243

49488.6

33925.5

2. Retail Trade

38,437

113235.6

53330.4

36,359

94750.1

36215.0

VII. FINANCE

1,472

14157.6

8351.7

5,325

226429.7

11314.1

VIII. ALL OTHERS

26,955

32863.8

23520.6

28,022

34385.9

20117.3

TOTAL LOANS AND ADVANCES

408,706

891045.7

573827.9

373,901

985007.0

414311.6

TABLE NO.5.3 - INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND ADVANCES OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - MARCH 2012

(Amount in ` Million)

I. AGRICULTURE

30,965

45694.7

10607.6

5,393,583

4166106.8

3195336.0

1. Direct Finance

29,613

43700.1

9391.6

5,131,109

3093314.2

2394696.3

2. Indirect Finance

1,352

1994.6

1215.9

262,474

1072792.6

800639.7

II. INDUSTRY

8,631

81679.9

56595.7

1,023,008

28390173.3

17953438.2

1. Mining & Quarrying

165

1211.2

614.7

21,318

686494.3

468857.9

2. Food Manufacturing & Processing

460

3787.9

2929.4

109,125

1925053.4

1288220.8

(a) Rice Mills, Flour & Dal Mills

88

330.7

265.3

37,671

436517.4

301368.7

(b) Sugar

12

175.4

84.2

2,610

437800.5

314092.1

(c) Edible Oils & Vanaspati

43

1199.9

993.2

10,508

228405.4

145542.8

(d) Tea Processing

38

33.5

22.6

1,112

19925.2

11690.0

(e) Processing of Fruits & Vegetables

34

354.2

307.4

6,658

202139.4

134560.8

(f) Others

245

1694.1

1256.7

50,566

600265.6

380966.5

3. Beverage & Tobacco

22

630.5

579.0

7,891

258304.7

180778.4

4. Textiles

1,856

7509.9

4726.5

155,811

3217849.9

1674204.5

(a) Cotton Textiles

272

3417.4

1885.6

47,627

1353222.7

855213.6

(b) Jute & Other Natural Fibre Textiles

11

10.9

8.2

2,674

26674.4

16866.3

(c) Handloom Textiles & Khadi

30

68.2

43.9

8,867

38782.1

24834.7

(d) Other Textiles & Textile Products

1,543

4013.3

2788.8

96,643

1799170.7

777289.9

5. Paper, Paper Products & Printing

234

1359.0

1252.3

37,937

611114.0

345326.7

6. Woods and Wood Products

113

317.2

229.5

13,224

69577.3

52566.4

7. Leather & Leather Products

125

445.3

318.4

11,075

219151.1

84076.5

8. Gems and Jewellery

110

9117.4

7529.1

10,493

465293.4

290044.1

9. Rubber & Plastic Products

352

3033.9

2418.3

39,346

447591.2

315021.6

10. Chemicals & Chemical Products

426

13307.0

10173.2

46,800

1699656.2

1020132.5

(a) Heavy Industrial Chemicals

68

1131.0

521.0

8,061

256924.7

155887.8

(b) Fertilisers

10

534.9

66.7

1,720

267761.3

161753.1

(c) Drugs & Pharmaceuticals

149

8420.4

6867.7

10,318

670431.8

390955.9

(d) Non-Edible Oils

7

12.9

8.5

1,595

28184.1

20953.8

(e) Other Chemicals & Chemical Products

192

3207.8

2709.3

25,106

476354.3

290581.9

11. Petroleum, Coal Products & Nuclear Fuels

105

2805.1

2393.8

4,566

1028888.6

646114.5

12. Manufacture of Cement & Cement Products

75

515.3

377.1

17,475

428554.3

321831.2

13. Basic Metals & Metal Products

846

5558.8

2870.2

73,174

3898226.4

2453155.2

(a) Iron & Steel

520

2572.1

1744.9

34,450

2681257.1

1775526.4

(b) Non-Ferrous Metals

65

696.3

547.8

11,258

656324.6

375039.5

(c) Metal Products

261

2290.5

577.4

27,466

560644.7

302589.4

14. Engineering

1,178

5114.6

3374.9

157,650

2188186.5

1291166.2

(a) Heavy Engineering

384

837.9

659.7

19,796

327270.3

231060.1

(b) Light Engineering

520

1331.9

1104.4

107,241

657346.5

479581.3

(c) Electrical Machinery & Goods

192

1952.5

1232.5

23,302

856715.3

352734.9

(d) Electronic Machinery & Goods

82

992.3

378.4

7,311

346854.3

227789.8

15. Vehicles,Vehicle Parts & Transport Equipments

273

3068.6

1409.0

38,424

910036.2

538598.9

16. Other Industries

1,300

3670.0

1355.5

106,465

883551.1

526296.4

17. Electricity, Gas & Water

49

3155.9

236.7

9,092

3843454.9

2501821.0

(a) Electricity Generation & Transmission

33

101.7

91.8

4,536

3532805.2

2271520.0

(b) Non-Conventional Energy

4

3045.6

137.4

1,803

155260.9

116593.8

(c) Gas, Steam & Water Supply

12

8.7

7.5

2,753

155388.8

113707.2

18. Construction

942

17072.2

13808.2

163,142

5609189.8

3955225.5

(a) Other than Infrastructure

600

2396.9

1735.9

119,679

1232498.7

896893.4

(b) Infrastructure Construction

342

14675.2

12072.4

43,463

4376691.1

3058332.1

III. TRANSPORT OPERATORS

10,083

10242.1

7187.8

764,474

1677551.5

1132416.4

IV. PROFESSIONAL AND OTHER SERVICES

5,609

22381.0

16616.4

594,120

5462625.0

3493996.3

1. Professional Services

365

1751.7

1437.9

91,043

353917.3

239642.1

2. Tourism, Hotel & Restaurants

349

3441.9

2655.2

52,316

670549.3

442838.2

3. Recreation services

53

1232.1

939.7

6,972

198077.1

143000.1

4. IT and Telecommunications

72

2178.8

2023.7

11,608

1067140.4

609271.4

5. Others

4,770

13776.4

9559.8

432,181

3172941.0

2059244.4

V. PERSONAL LOANS

1,174,276

413501.7

68430.8

11,544,151

8452829.5

6085928.3

1. Housing

1,108

1389.0

1184.9

4,418,422

4599675.6

3628439.8

2. Consumer Durables

1,432

591.3

296.0

68,914

46255.7

36573.4

3. Vehicles

1,483

431.4

287.7

1,978,352

895994.5

606411.6

4. Education

347

275.1

136.5

1,201,675

513441.3

377586.8

5. Personal Credit Cards

1,135,876

383487.0

47380.5

1,195,734

408812.4

50961.5

6. Others

34,030

27328.0

19145.2

2,681,054

1988649.9

1385955.3

VI. TRADE

6,800

28507.8

15140.3

1,291,176

6904418.1

4135499.0

1. Wholesale Trade

2,019

9197.9

7807.9

145,014

3687877.8

1883243.2

2. Retail Trade

4,781

19309.9

7332.4

1,146,162

3216540.3

2252255.7

VII. FINANCE

41,753

27275.4

19793.9

181,672

5762392.2

3868694.7

VIII. ALL OTHERS

25,497

155703.1

42385.6

894,255

3779074.6

1582361.8

TOTAL LOANS AND ADVANCES

1,303,614

784985.7

236758.1

21,686,439

64595171.0

41447670.8