Table No. 5.3 - Interest Rate Range-Wise Classification of Loans And Advances of Scheduled Commercial Banks According to Occupation March 1998 (Part 1 of 3) - RBI - Reserve Bank of India
Table No. 5.3 - Interest Rate Range-Wise Classification of Loans And Advances of Scheduled Commercial Banks According to Occupation March 1998 (Part 1 of 3)
| | | | | | | | | | (Amount in Rupees Lakh) | |||
6% AND ABOVE BUT | 10% AND ABOVE BUT | ||||||||||||
LESS THAN 6% | LESS THAN 10% | LESS THAN 12% | |||||||||||
OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | No. of | Credit | Amount | ||||
Accounts | Limit | Out- | Accounts | Limit | Out- | Accounts | Limit | Out- | |||||
| | standing | | | standing | | | standing | |||||
| | | | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | |
I. | AGRICULTURE | 38 | 14,98 | 14,05 | 2,047 | 56,87 | 50,39 | 21,264 | 520,70 | 403,10 | |||
1. | Direct Finance | 23 | 21 | 20 | 1,501 | 26,49 | 26,80 | 18,846 | 250,90 | 212,18 | |||
2. | Indirect Finance | 15 | 14,77 | 13,85 | 546 | 30,38 | 23,59 | 2,418 | 269,80 | 190,91 | |||
II. | INDUSTRY | 102 | 6,15 | 4,84 | 963 | 481,03 | 346,89 | 9,353 | 2777,66 | 2306,01 | |||
1. | Mining & Quarrying | - | - | - | 20 | 5,48 | 3,75 | 456 | 42,93 | 17,82 | |||
2. | Food Manufacturing & Processing | - | - | - | 101 | 66,27 | 31,35 | 828 | 244,44 | 189,96 | |||
(a) | Rice Mills, Flour & Dal Mills | - | - | - | 40 | 4,30 | 1,58 | 309 | 51,98 | 39,69 | |||
(b) | Sugar | - | - | - | 2 | 1,64 | 1,58 | 9 | 29 | 39 | |||
(c) | Edible Oils & Vanaspati | - | - | - | 5 | 26 | 19 | 130 | 54,38 | 35,28 | |||
(d) | Tea Processing | - | - | - | 3 | 25,26 | 1,57 | 22 | 10,31 | 9,83 | |||
(e) | Processing of Fruits & Vegetables | - | - | - | 15 | 2,06 | 99 | 21 | 8,55 | 8,64 | |||
(f) | Others | - | - | - | 36 | 32,75 | 25,44 | 337 | 118,92 | 96,13 | |||
3. | Beverage & Tobacco | - | - | - | 3 | 1,63 | 17 | 49 | 58,39 | 57,64 | |||
4. | Textiles | - | - | - | 174 | 123,09 | 101,89 | 1,495 | 716,31 | 596,61 | |||
(a) | Cotton Textiles | - | - | - | 40 | 27,11 | 25,05 | 360 | 139,55 | 117,03 | |||
(b) | Jute Textiles | - | - | - | - | - | - | 18 | 14,98 | 7,93 | |||
(c) | Handloom Textiles & Khadi | - | - | - | 19 | 36 | 27 | 85 | 9,05 | 7,18 | |||
(d) | Other Textiles | - | - | - | 115 | 95,63 | 76,57 | 1,032 | 552,74 | 464,47 | |||
5. | Paper, Paper Products & Printing | - | - | - | 19 | 53,21 | 53,29 | 325 | 34,86 | 32,82 | |||
6. | Leather & Leather Products | - | - | - | 18 | 15,97 | 4,35 | 232 | 120,60 | 99,10 | |||
7. | Rubber & Rubber Products | - | - | - | 8 | 7,77 | 1,54 | 136 | 61,45 | 49,44 | |||
8. | Chemicals & Chemical Products | - | - | - | 39 | 28,58 | 24,96 | 551 | 226,87 | 188,85 | |||
(a) | Heavy Industrial Chemicals | - | - | - | 3 | 68 | 12 | 56 | 58,50 | 51,99 | |||
(b) | Fertilisers | - | - | - | - | - | - | 12 | 5,39 | 5,44 | |||
(c) | Drugs & Pharmaceuticals | - | - | - | 9 | 9,59 | 9,07 | 117 | 106,78 | 81,96 | |||
(d) | Non-Edible Oils | - | - | - | 3 | 1,88 | 74 | 8 | 53 | 25 | |||
(e) | Other Chemicals & Chemical Products | - | - | - | 24 | 16,43 | 15,04 | 358 | 55,67 | 49,22 | |||
9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | 17 | 23,91 | 17,96 | 59 | 69,60 | 63,54 | |||
10. | Manufacture of Cement & Cement Products | - | - | - | 3 | 4 | 5 | 83 | 5,31 | 4,74 | |||
11. | Basic Metals & Metal Products | - | - | - | 79 | 49,26 | 31,07 | 695 | 178,30 | 130,96 | |||
(a) | Iron & Steel | - | - | - | 32 | 29,65 | 26,50 | 170 | 132,08 | 90,90 | |||
(b) | Non-Ferrous Metals | - | - | - | 14 | 62 | 62 | 42 | 14,15 | 13,55 | |||
(c) | Other Metal Products | - | - | - | 33 | 18,99 | 3,94 | 483 | 32,06 | 26,51 | |||
12. | Engineering | - | - | - | 69 | 52,56 | 34,05 | 751 | 319,68 | 277,98 | |||
(a) | Heavy Engineering | - | - | - | 12 | 11,31 | 7,67 | 136 | 37,78 | 32,56 | |||
(b) | Light Engineering | - | - | - | 29 | 10,68 | 2,31 | 305 | 49,27 | 46,66 | |||
(c) | Electrical Machinery & Goods | - | - | - | 14 | 28,50 | 22,45 | 212 | 68,53 | 46,24 | |||
(d) | Electronic Machinery & Goods | - | - | - | 14 | 2,08 | 1,62 | 98 | 164,10 | 152,52 | |||
13. | Vehicles, Vehicle Parts & Transport Equipments | - | - | - | 33 | 6,62 | 5,85 | 276 | 49,58 | 47,59 | |||
14. | Other Industries | 91 | 1,22 | 78 | 256 | 15,01 | 12,66 | 2,899 | 532,59 | 458,18 | |||
15. | Electricity, Gas & Water | - | - | - | 108 | 4,93 | 4,50 | 238 | 26,13 | 19,22 | |||
(a) | Electricity Generation & Transmission | - | - | - | 107 | 4,92 | 4,49 | 181 | 24,55 | 18,19 | |||
(b) | Non-Conventional Energy | - | - | - | 1 | 1 | 1 | 32 | 1,14 | 84 | |||
(c) | Gas, Steam & Water Supply | - | - | - | - | - | - | 25 | 45 | 20 | |||
16. | Construction | 11 | 4,93 | 4,06 | 16 | 26,70 | 19,44 | 280 | 90,62 | 71,57 | |||
III. | TRANSPORT OPERATORS | 20 | 21 | 11 | 841 | 7,51 | 5,88 | 2,468 | 36,33 | 29,06 | |||
IV. | PROFESSIONAL AND OTHER SERVICES | 12 | 14 | 13 | 157 | 14,58 | 11,46 | 2,971 | 157,60 | 125,31 | |||
V. | PERSONAL LOANS | 2,67,837 | 2976,28 | 2602,39 | 54,264 | 479,96 | 410,37 | 1,54,601 | 2506,70 | 2306,77 | |||
1. | Loans for Purchase of Consumer Durables | - | - | - | - | - | - | - | - | - | |||
2. | Loans for Housing | 2,53,041 | 2869,82 | 2508,21 | 22,617 | 276,92 | 240,48 | 1,29,384 | 2341,20 | 2166,46 | |||
3. | Rest of the Personal Loans | 14,796 | 106,46 | 94,18 | 31,647 | 203,03 | 169,88 | 25,217 | 165,50 | 140,30 | |||
VI. | TRADE | - | - | - | 528 | 96,22 | 80,27 | 5,763 | 509,10 | 369,78 | |||
1. | Wholesale Trade | - | - | - | 180 | 77,31 | 60,86 | 1,530 | 393,37 | 279,45 | |||
2. | Retail Trade | - | - | - | 348 | 18,91 | 19,41 | 4233 | 115,73 | 90,34 | |||
VII. | FINANCE | 141 | 26,06 | 17,44 | 332 | 146,35 | 122,74 | 399 | 139,95 | 131,85 | |||
VIII. | ALL OTHERS | 119 | 79,84 | 53,20 | 1,055 | 66,58 | 61,37 | 3,577 | 296,78 | 268,24 | |||
TOTAL LOANS AND ADVANCES | 2,68,269 | 3103,67 | 2692,16 | 60,187 | 1349,09 | 1089,38 | 2,00,396 | 6944,82 | 5940,12 | ||||
OF WHICH: | 1. Artisans & Village Industries | 78 | 61 | 53 | 55 | 56 | 51 | 1,526 | 14,53 | 13,76 | |||
| | | 2. Other Small Scale Industries | 6 | 6 | 5 | 400 | 72,36 | 57,11 | 3,597 | 552,68 | 451,64 |
| | | | | | |||||||
12% AND ABOVE BUT | 14% AND ABOVE BUT | |||||||||||
LESS THAN 14% | LESS THAN 15% | |||||||||||
OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | ||||||
Accounts | Limit | Outstanding | Accounts | Limit | Outstanding | |||||||
| | | | 10 | 11 | 12 | 13 | 14 | 15 | |||
I. | AGRICULTURE | 4,59,186 | 4888,16 | 4184,70 | 5,26,378 | 6379,03 | 5091,25 | |||||
1. | Direct Finance | 4,42,603 | 4131,24 | 3566,10 | 5,05,798 | 5075,23 | 4227,04 | |||||
2. | Indirect Finance | 16,583 | 756,92 | 618,60 | 20,580 | 1303,81 | 864,21 | |||||
II. | INDUSTRY | 2,03,060 | 20348,63 | 16481,52 | 2,36,394 | 16488,57 | 13140,69 | |||||
1. | Mining & Quarrying | 3,177 | 392,38 | 322,77 | 3,998 | 501,70 | 395,95 | |||||
2. | Food Manufacturing & Processing | 21,561 | 2363,40 | 1854,91 | 28,390 | 725,64 | 551,31 | |||||
(a) | Rice Mills, Flour & Dal Mills | 8,477 | 477,54 | 438,15 | 12,122 | 144,30 | 112,63 | |||||
(b) | Sugar | 172 | 56,25 | 55,91 | 304 | 163,17 | 135,06 | |||||
(c) | Edible Oils & Vanaspati | 4,210 | 574,13 | 424,90 | 5,581 | 122,83 | 106,32 | |||||
(d) | Tea Processing | 167 | 159,87 | 93,21 | 117 | 26,17 | 17,12 | |||||
(e) | Processing of Fruits & Vegetables | 642 | 52,75 | 39,36 | 467 | 16,19 | 12,37 | |||||
(f) | Others | 7,893 | 1042,86 | 803,39 | 9,799 | 252,97 | 167,81 | |||||
3. | Beverage & Tobacco | 1,245 | 246,95 | 279,39 | 1,225 | 49,82 | 37,56 | |||||
4. | Textiles | 30,579 | 5172,18 | 4153,80 | 32,077 | 1616,21 | 1271,42 | |||||
(a) | Cotton Textiles | 6,962 | 2114,23 | 1672,22 | 7,167 | 709,36 | 612,58 | |||||
(b) | Jute Textiles | 325 | 76,07 | 52,29 | 447 | 10,82 | 9,39 | |||||
(c) | Handloom Textiles & Khadi | 2,722 | 103,00 | 84,91 | 3,309 | 49,44 | 42,14 | |||||
(d) | Other Textiles | 20,570 | 2878,88 | 2344,37 | 21,154 | 846,59 | 607,31 | |||||
5. | Paper, Paper Products & Printing | 8,656 | 238,55 | 213,63 | 10,074 | 399,03 | 324,67 | |||||
6. | Leather & Leather Products | 3,831 | 842,61 | 687,76 | 3,999 | 81,10 | 61,55 | |||||
7. | Rubber & Rubber Products | 1,988 | 208,12 | 154,39 | 2,127 | 221,74 | 183,85 | |||||
8. | Chemicals & Chemical Products | 10,784 | 1879,09 | 1396,91 | 11,754 | 1843,36 | 1491,17 | |||||
(a) | Heavy Industrial Chemicals | 638 | 261,43 | 193,65 | 704 | 217,13 | 172,11 | |||||
(b) | Fertilisers | 138 | 131,91 | 100,77 | 238 | 704,37 | 556,46 | |||||
(c) | Drugs & Pharmaceuticals | 1,951 | 706,88 | 529,11 | 1,904 | 319,11 | 258,02 | |||||
(d) | Non-Edible Oils | 358 | 98,60 | 86,00 | 308 | 56,60 | 55,89 | |||||
(e) | Other Chemicals & Chemical Products | 7,699 | 680,27 | 487,38 | 8,600 | 546,14 | 448,67 | |||||
9. | Petroleum, Coal Products & Nuclear Fuels | 882 | 538,69 | 476,27 | 1,166 | 2543,75 | 1856,78 | |||||
10. | Manufacture of Cement & Cement Products | 1,877 | 173,00 | 145,45 | 2,643 | 428,22 | 399,72 | |||||
11. | Basic Metals & Metal Products | 16,472 | 2442,10 | 2030,53 | 18,691 | 2768,51 | 2245,84 | |||||
(a) | Iron & Steel | 2,937 | 1713,91 | 1451,90 | 3,309 | 2367,87 | 1910,30 | |||||
(b) | Non-Ferrous Metals | 670 | 129,09 | 90,83 | 659 | 72,65 | 58,59 | |||||
(c) | Other Metal Products | 12,865 | 599,10 | 487,80 | 14,723 | 328,00 | 276,96 | |||||
12. | Engineering | 18,424 | 1807,22 | 1387,29 | 20,992 | 2130,95 | 1650,91 | |||||
(a) | Heavy Engineering | 2,087 | 736,06 | 598,53 | 2,563 | 1123,64 | 793,72 | |||||
(b) | Light Engineering | 8,123 | 334,45 | 249,53 | 9,018 | 398,89 | 344,57 | |||||
(c) | Electrical Machinery & Goods | 4,366 | 404,70 | 287,55 | 5,142 | 350,28 | 297,81 | |||||
(d) | Electronic Machinery & Goods | 3,848 | 332,00 | 251,69 | 4,269 | 258,14 | 214,81 | |||||
13. | Vehicles, Vehicle Parts & Transport Equipments | 6,376 | 621,99 | 484,09 | 7,629 | 1110,32 | 921,21 | |||||
14. | Other Industries | 71,173 | 2614,93 | 2175,77 | 84,741 | 1225,74 | 1063,75 | |||||
15. | Electricity, Gas & Water | 2,205 | 583,20 | 531,06 | 2,515 | 590,44 | 466,15 | |||||
(a) | Electricity Generation & Transmission | 1,664 | 576,88 | 526,12 | 2,203 | 426,96 | 331,78 | |||||
(b) | Non-Conventional Energy | 107 | 72 | 59 | 82 | 1,09 | 87 | |||||
(c) | Gas, Steam & Water Supply | 434 | 5,60 | 4,35 | 230 | 162,39 | 133,50 | |||||
16. | Construction | 3,830 | 224,22 | 187,50 | 4,373 | 252,04 | 218,85 | |||||
III. | TRANSPORT OPERATORS | 95,768 | 988,65 | 814,84 | 97,776 | 1098,51 | 856,11 | |||||
IV. | PROFESSIONAL AND OTHER SERVICES | 74,608 | 1111,18 | 898,08 | 79,350 | 1310,25 | 1071,72 | |||||
V. | PERSONAL LOANS | 5,02,555 | 4365,99 | 3639,48 | 4,19,153 | 3861,20 | 3279,68 | |||||
1. | Loans for Purchase of Consumer Durables | 7,433 | 54,87 | 45,65 | 6,321 | 52,00 | 45,53 | |||||
2. | Loans for Housing | 91,323 | 1354,92 | 1200,01 | 78,974 | 1191,65 | 1024,76 | |||||
3. | Rest of the Personal Loans | 4,03,799 | 2956,20 | 2393,82 | 3,33,858 | 2617,55 | 2209,38 | |||||
VI. | TRADE | 2,80,382 | 5654,01 | 4475,30 | 2,97,336 | 12219,93 | 10964,23 | |||||
1. | Wholesale Trade | 30,784 | 2968,60 | 2283,12 | 32,838 | 9757,78 | 8912,49 | |||||
2. | Retail Trade | 2,49,598 | 2685,41 | 2192,18 | 2,64,498 | 2462,15 | 2051,74 | |||||
VII. | FINANCE | 3,539 | 1585,76 | 1392,23 | 2,372 | 1625,92 | 1435,04 | |||||
VIII.ALL OTHERS | 32,588 | 2572,28 | 2225,43 | 35,091 | 3068,30 | 2757,23 | ||||||
TOTAL LOANS AND ADVANCES | 16,51,686 | 41514,66 | 34111,57 | 16,93,850 | 46051,71 | 38595,93 | ||||||
OF WHICH: | 1. Artisans & Village Industries | 28,457 | 179,37 | 158,23 | 35,128 | 228,12 | 206,09 | |||||
| | | 2. Other Small Scale Industries | 96,450 | 3973,58 | 3303,48 | 1,14,251 | 1709,72 | 1491,26 |