(Amount in Rupees Lakh)

OCCUPATION

LESS THAN 6%

6% AND ABOVE BUT LESS THAN 10%

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

4,690

3613,28

2599,78

4,94,704

55454,05

44770,41

1. Direct Finance

4,119

1977,49

1887,00

4,71,467

24656,17

20539,06

2. Indirect Finance

571

1635,79

712,78

23,237

30797,87

24231,35

II.

INDUSTRY

4,875

20873,04

15077,62

1,17,750

312242,11

231509,46

1. Mining & Quarrying

68

1922,38

1726,02

1,185

12079,11

9016,72

2. Food Manufacturing & Processing

170

899,86

521,23

3,761

12799,61

8609,44

(a) Rice Mills, Flour & Dal Mills

22

3,27

3,34

1,072

2322,37

1965,50

(b) Sugar

5

134,06

72,89

118

2121,63

1835,45

(c) Edible Oils & Vanaspati

18

32,05

25,28

209

1053,38

894,69

(d) Tea Processing

20

453,73

226,44

133

1214,59

571,88

(e) Processing of Fruits & Vegetables

5

14,28

4,14

234

251,80

196,37

(f) Others

100

262,47

189,14

1,995

5835,85

3145,55

3. Beverage & Tobacco

6

223,53

200,47

288

1687,79

1023,45

4. Textiles

606

2755,18

989,74

9,237

26014,64

14937,61

(a) Cotton Textiles

266

718,95

489,64

4,215

10670,46

6600,30

(b) Jute & Other Natural Fibre Textiles

12

8,74

5,31

159

104,08

83,66

(c) Handloom Textiles & Khadi

9

3,58

2,00

396

248,21

196,96

(d) Other Textiles & Textile Products

319

2023,91

492,79

4,467

14991,90

8056,69

5. Paper, Paper Products & Printing

52

424,37

306,59

863

1971,15

1359,49

6. Woods and Woods Products

6

9,98

2,05

269

330,16

273,56

7. Leather & Leather Products

39

107,18

82,55

872

1875,34

1461,06

8. Gems and Jewellary

190

1086,28

741,13

1,458

10752,25

6809,79

9. Rubber & Plastic Products

70

386,71

232,19

870

2695,68

1755,05

10. Chemicals & Chemical Products

258

2673,35

1960,29

2,367

26372,24

18465,84

(a) Heavy Industrial Chemicals

68

329,35

222,62

633

2945,67

2135,62

(b) Fertilisers

9

707,07

619,34

116

8414,47

6004,99

(c) Drugs & Pharmaceuticals

101

1030,71

705,19

618

6016,48

4505,11

(d) Non-Edible Oils

1

11,78

11,95

46

275,32

200,99

(e) Other Chemicals & Chemical Products

79

594,43

401,20

954

8720,30

5619,12

11. Petroleum, Coal Products & Nuclear Fuels

19

2673,77

2398,58

271

44368,97

40102,04

12. Manufacture of Cement & Cement Products

282

86,15

79,89

579

2490,76

1831,30

13. Basic Metals & Metal Products

207

2560,69

1889,70

3,609

48203,33

34178,91

(a) Iron & Steel

93

1631,60

1229,48

1,462

21078,27

14353,60

(b) Non-Ferrous Metals

24

148,24

104,59

584

8990,90

6044,70

(c) Metal Products

90

780,84

555,63

1,563

18134,16

13780,61

14. Engineering

1,360

1536,69

1070,71

18,456

14505,97

10085,45

(a) Heavy Engineering

254

181,29

136,05

1,484

3280,41

2287,39

(b) Light Engineering

1,035

541,36

327,00

15,343

5516,44

3274,55

(c) Electrical Machinery & Goods

45

587,87

448,40

1,408

3478,67

2761,37

(d) Electronic Machinery & Goods

26

226,17

159,28

221

2230,45

1762,13

15. Vehicles, Vehicle Parts & Transport Equipments

109

714,06

495,31

859

8436,69

4874,41

16. Other Industries

926

281,56

225,42

33,182

6866,90

5216,56

17. Electricity, Gas & Water

24

1058,03

922,59

696

41314,18

30974,04

(a) Electricity Generation & Transmission

12

931,64

839,60

482

38308,81

28968,06

(b) Non-Conventional Energy

11

118,90

81,61

85

1291,01

748,91

(c) Gas, Steam & Water Supply

1

7,50

1,39

129

1714,36

1257,07

18. Construction

483

1473,27

1233,15

38,928

49477,32

40534,74

(a) Other than Infrastructure

424

1050,75

967,71

35,368

8035,53

6352,82

(b) Infrastructure Construction

59

422,53

265,44

3,560

41441,79

34181,92

III.

TRANSPORT OPERATORS

198

488,38

434,12

31,556

10676,78

7438,17

IV.

PROFESSIONAL AND OTHER SERVICES

3,563

3165,00

2488,27

63,702

35977,68

27068,70

1. Professional Services

262

152,84

125,65

11,178

7040,54

4913,01

2. Tourism, Hotel & Restaurants

110

132,27

48,57

1,730

1283,95

924,43

3. Recreation services

11

73,58

73,16

355

484,34

382,26

4. IT and Telecommunications

23

32,27

4,97

470

3831,02

3415,42

5. Others

3,157

2774,04

2235,91

49,969

23337,83

17433,58

V.

PERSONAL LOANS

1,09,288

4701,10

2708,76

22,46,676

147664,54

111379,22

1. Housing

32,881

1564,66

1225,89

14,12,994

104699,20

87344,46

2. Consumer Durables

253

12,29

7,52

14,524

627,87

448,86

3. Vehicles

20,446

919,15

292,30

4,29,542

18963,64

7975,18

4. Education

158

11,03

8,90

27,943

1404,92

994,09

5. Personal Credit Cards

2

5

5

129

5,00

4,12

6. Others

55,548

2193,91

1174,09

3,61,544

21963,91

14612,51

VI.

TRADE

2,073

3740,76

3563,86

44,428

47793,88

37894,45

1. Wholesale Trade

269

1912,24

1844,64

6,271

25946,47

21009,34

2. Retail Trade

1,804

1828,53

1719,22

38,157

21847,41

16885,11

VII.

FINANCE

175

2202,41

1960,59

8,243

101041,21

83985,74

VIII.

ALL OTHERS

2,993

961,57

760,95

50,382

11502,52

7949,38

TOTAL LOANS AND ADVANCES

1,27,855

39745,53

29593,95

30,57,441

722352,77

551995,54

(Amount in Rupees Lakh)

OCCUPATION

10% AND ABOVE BUT LESS THAN 12%

12% AND ABOVE BUT LESS THAN 13%

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

6,68,948

67623,93

53106,90

6,95,644

48379,17

38452,37

1. Direct Finance

6,17,978

38293,81

31116,72

6,58,153

33224,76

27522,33

2. Indirect Finance

50,970

29330,12

21990,18

37,491

15154,41

10930,05

II.

INDUSTRY

2,59,481

499992,89

333412,26

2,14,178

317811,09

227482,42

1. Mining & Quarrying

4,760

12201,84

5408,62

6,344

8487,94

4712,37

2. Food Manufacturing & Processing

22,459

36804,28

23699,59

26,431

22252,78

15836,68

(a) Rice Mills, Flour & Dal Mills

10,231

10397,59

6740,15

10,189

5835,03

4276,12

(b) Sugar

657

11327,03

8107,10

686

5792,79

4441,90

(c) Edible Oils & Vanaspati

1,212

3528,01

2491,56

2,100

3033,13

1823,22

(d) Tea Processing

323

922,49

663,64

567

1073,86

693,41

(e) Processing of Fruits & Vegetables

720

480,26

285,51

1,069

398,16

271,62

(f) Others

9,316

10148,90

5411,63

11,820

6119,81

4330,42

3. Beverage & Tobacco

1,379

3352,94

2440,26

2,107

4478,56

3088,44

4. Textiles

35,370

60058,44

40680,39

32,140

34939,69

25392,79

(a) Cotton Textiles

14,362

26456,62

19366,68

10,645

18175,09

13232,32

(b) Jute & Other Natural Fibre Textiles

440

429,00

310,97

714

407,18

303,17

(c) Handloom Textiles & Khadi

2,378

1395,31

2000,46

2,374

684,99

565,10

(d) Other Textiles & Textile Products

18,190

31777,51

19002,28

18,407

15672,42

11292,20

5. Paper, Paper Products & Printing

4,801

7142,56

5335,38

8,550

7875,14

5895,10

6. Woods and Woods Products

1,992

812,28

593,59

3,566

1382,19

950,53

7. Leather & Leather Products

2,608

3103,25

1203,55

2,005

1379,47

893,42

8. Gems and Jewellary

1,874

5474,78

3965,21

1,145

1711,17

1278,28

9. Rubber & Plastic Products

4,921

6665,57

4749,15

8,396

6631,99

4748,50

10. Chemicals & Chemical Products

8,266

35285,73

18579,92

11,405

20144,15

13914,70

(a) Heavy Industrial Chemicals

1,507

6587,54

4076,35

2,152

3937,43

2649,94

(b) Fertilisers

245

3757,85

1556,59

318

1683,76

980,43

(c) Drugs & Pharmaceuticals

2,044

10795,85

7318,35

2,324

7166,80

5096,05

(d) Non-Edible Oils

257

517,16

312,35

411

385,39

241,58

(e) Other Chemicals & Chemical Products

4,213

13627,33

5316,28

6,200

6970,77

4946,69

11. Petroleum, Coal Products & Nuclear Fuels

549

16514,82

9625,18

940

5159,71

2743,53

12. Manufacture of Cement & Cement Products

2,484

9910,31

6719,73

4,121

7941,45

5896,84

13. Basic Metals & Metal Products

12,672

83866,92

55357,76

17,974

55427,12

38121,90

(a) Iron & Steel

4,552

49603,28

32493,48

7,238

35970,13

24568,60

(b) Non-Ferrous Metals

1,087

4588,28

3052,21

2,091

3189,11

1727,47

(c) Metal Products

7,033

29675,36

19812,07

8,645

16267,88

11825,84

14. Engineering

23,340

32703,82

21828,63

26,760

27710,47

20917,60

(a) Heavy Engineering

6,296

6200,07

4525,17

7,101

6101,19

4415,14

(b) Light Engineering

12,677

12918,91

7949,82

13,155

10173,95

7773,69

(c) Electrical Machinery & Goods

3,257

7917,66

5355,28

4,811

7401,77

5563,73

(d) Electronic Machinery & Goods

1,110

5667,18

3998,36

1,693

4033,55

3165,04

15. Vehicles, Vehicle Parts & Transport Equipments

4,392

20076,73

14689,64

5,110

16682,10

11759,49

16. Other Industries

82,778

19348,12

13847,30

33,989

12694,66

9566,31

17. Electricity, Gas & Water

1,730

63554,33

46160,91

1,599

25830,42

18068,13

(a) Electricity Generation & Transmission

1,014

59741,35

43703,91

621

22363,75

16273,10

(b) Non-Conventional Energy

279

2644,74

1627,96

438

1608,69

1234,35

(c) Gas, Steam & Water Supply

437

1168,25

829,04

540

1857,99

560,68

18. Construction

43,106

83116,15

58527,46

21,596

57082,10

43697,81

(a) Other than Infrastructure

35,580

15670,49

11813,89

15,719

14363,84

11098,36

(b) Infrastructure Construction

7,526

67445,66

46713,57

5,877

42718,25

32599,44

III.

TRANSPORT OPERATORS

70,652

16427,95

12786,94

54,460

14470,66

12744,96

IV.

PROFESSIONAL AND OTHER SERVICES

1,14,005

77875,87

55854,32

1,07,675

77759,13

59303,08

1. Professional Services

11,266

11988,04

8659,76

11,169

8974,09

7090,17

2. Tourism, Hotel & Restaurants

5,287

6594,30

4420,51

8,731

9072,61

5641,06

3. Recreation services

994

2087,42

1627,69

1,646

3011,98

2403,47

4. IT and Telecommunications

1,361

10690,44

7607,32

2,344

12049,72

10137,15

5. Others

95,097

46515,68

33539,04

83,785

44650,72

34031,22

V.

PERSONAL LOANS

27,05,332

182647,24

149174,11

9,66,366

70393,69

55479,34

1. Housing

13,49,680

122569,79

105362,68

2,71,530

38996,78

32679,94

2. Consumer Durables

26,971

1039,07

789,61

13,955

479,85

376,70

3. Vehicles

5,32,538

20316,17

14803,89

2,40,955

9461,68

6713,33

4. Education

2,83,674

11275,78

8041,77

1,42,667

6641,80

4374,61

5. Personal Credit Cards

686

28,29

20,61

216

10,94

9,10

6. Others

5,11,783

27418,14

20155,55

2,97,043

14802,65

11325,65

VI.

TRADE

1,72,637

119877,53

63628,05

2,90,571

121553,19

56686,60

1. Wholesale Trade

20,789

80109,95

39009,01

38,681

81901,46

25640,19

2. Retail Trade

1,51,848

39767,58

24619,03

2,51,890

39651,74

31046,42

VII.

FINANCE

8,418

69452,35

52222,40

7,037

31360,98

22852,30

VIII.

ALL OTHERS

79,972

29538,43

19291,85

35,814

12138,67

9688,62

TOTAL LOANS AND ADVANCES

40,79,445

1063436,21

739476,84

23,71,745

693866,58

482689,70

TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2009

(Amount in Rupees Lakh)

OCCUPATION

13% AND ABOVE BUT LESS THAN 14%

14% AND ABOVE BUT LESS THAN 15%

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

13

14

15

16

17

18

I.

AGRICULTURE

3,27,865

25428,59

20417,46

1,03,077

9788,84

8050,37

1. Direct Finance

3,00,660

17404,23

14195,87

93,915

6799,78

5561,40

2. Indirect Finance

27,205

8024,36

6221,59

9,162

2989,05

2488,97

II.

INDUSTRY

1,69,433

193015,29

133812,96

1,02,863

91076,24

67079,39

1. Mining & Quarrying

4,971

4564,14

3206,93

2,192

2575,11

1785,60

2. Food Manufacturing & Processing

19,916

12007,00

8895,32

8,436

5703,15

4037,99

(a) Rice Mills, Flour & Dal Mills

7,291

2806,19

2168,80

2,287

1149,94

917,68

(b) Sugar

377

2696,41

2031,67

125

805,76

497,41

(c) Edible Oils & Vanaspati

1,573

1466,03

1068,62

724

671,00

515,56

(d) Tea Processing

350

677,75

507,12

216

230,57

182,23

(e) Processing of Fruits & Vegetables

770

419,08

350,62

376

540,36

202,02

(f) Others

9,555

3941,54

2768,48

4,708

2305,52

1723,09

3. Beverage & Tobacco

1,692

2049,19

1663,75

778

1117,20

958,09

4. Textiles

24,816

19420,04

13814,83

12,397

7732,62

6053,81

(a) Cotton Textiles

8,219

9819,59

6594,91

4,218

3587,28

2936,51

(b) Jute & Other Natural Fibre Textiles

501

318,58

258,82

208

205,82

166,48

(c) Handloom Textiles & Khadi

1,679

581,94

440,18

624

137,69

111,95

(d) Other Textiles & Textile Products

14,417

8699,93

6520,92

7,347

3801,83

2838,87

5. Paper, Paper Products & Printing

7,323

5874,79

4168,03

3,548

2545,91

1849,35

6. Woods and Woods Products

2,595

805,13

659,66

1,305

524,87

418,96

7. Leather & Leather Products

1,513

894,97

577,62

1,078

648,48

492,55

8. Gems and Jewellary

866

4167,33

1592,62

530

958,39

666,20

9. Rubber & Plastic Products

6,777

7414,04

3205,29

3,164

2283,47

1617,96

10. Chemicals & Chemical Products

9,915

12408,29

9491,87

4,748

6216,30

4577,96

(a) Heavy Industrial Chemicals

1,875

2670,74

1920,70

1,154

1318,27

1044,65

(b) Fertilisers

206

412,33

274,86

106

346,60

251,42

(c) Drugs & Pharmaceuticals

2,054

4954,63

3918,72

1,084

2148,76

1651,69

(d) Non-Edible Oils

405

383,29

289,09

157

135,58

116,03

(e) Other Chemicals & Chemical Products

5,375

3987,30

3088,49

2,247

2267,10

1514,17

11. Petroleum, Coal Products & Nuclear Fuels

791

4443,56

1625,49

465

1291,56

376,11

12. Manufacture of Cement & Cement Products

3,265

2928,76

2380,97

2,012

1151,41

991,36

13. Basic Metals & Metal Products

13,741

26586,83

19887,01

6,917

15420,02

10555,18

(a) Iron & Steel

5,722

15465,86

11284,90

2,642

10822,48

7251,44

(b) Non-Ferrous Metals

1,789

1796,91

1350,82

728

1419,48

811,81

(c) Metal Products

6,230

9324,06

7251,29

3,547

3178,06

2491,94

14. Engineering

21,575

20404,32

16771,73

11,051

8002,53

6112,58

(a) Heavy Engineering

4,555

3600,16

2957,75

2,016

1561,72

1192,66

(b) Light Engineering

11,714

8199,53

6759,08

6,355

3115,39

2312,00

(c) Electrical Machinery & Goods

3,900

4778,54

3833,18

2,037

2411,45

1829,14

(d) Electronic Machinery & Goods

1,406

3826,10

3221,72

643

913,97

778,79

15. Vehicles, Vehicle Parts & Transport Equipments

4,110

5692,65

4275,77

2,069

3407,75

2658,64

16. Other Industries

25,872

11377,00

9021,46

19,526

7817,50

6243,68

17. Electricity, Gas & Water

1,176

7877,91

6473,63

551

1889,22

1546,67

(a) Electricity Generation & Transmission

447

7112,96

6025,74

183

1257,59

1015,33

(b) Non-Conventional Energy

224

469,54

279,80

111

353,01

267,66

 (c) Gas, Steam & Water Supply

505

295,41

168,09

257

278,62

263,67

18. Construction

18,519

44099,33

26101,00

22,096

21790,76

16136,68

(a) Other than Infrastructure

13,423

17160,27

12220,71

18,149

11710,77

8719,31

(b) Infrastructure Construction

5,096

26939,06

13880,28

3,947

10080,00

7417,37

III.

TRANSPORT OPERATORS

53,127

11771,53

9970,75

39,803

6714,65

5848,69

IV.

PROFESSIONAL AND OTHER SERVICES

78,949

55866,65

43351,29

52,199

30956,27

24113,77

1. Professional Services

11,166

3998,62

3360,53

6,538

2755,41

1896,81

2. Tourism, Hotel & Restaurants

7,677

5710,05

3990,41

4,318

3367,31

2500,52

3. Recreation services

1,446

2817,51

2268,61

997

1839,38

1535,02

4. IT and Telecommunications

1,762

6299,20

5383,18

951

2189,80

1510,62

5. Others

56,898

37041,28

28348,55

39,395

20804,38

16670,80

V.

PERSONAL LOANS

7,46,357

50430,07

39434,09

3,64,578

24497,34

19060,17

1. Housing

2,95,223

28936,71

23610,66

82,099

11430,32

9739,74

2. Consumer Durables

10,860

376,40

298,50

11,345

386,09

317,35

3. Vehicles

2,12,803

8563,97

6129,22

1,50,195

5881,59

4050,13

4. Education

46,794

3109,07

2147,67

8,541

461,51

323,91

5. Personal Credit Cards

106

4,72

2,26

123

7,58

2,36

6. Others

1,80,571

9439,18

7245,79

1,12,275

6330,25

4626,67

VI.

TRADE

1,91,940

44825,27

35147,31

1,20,498

28874,28

21084,53

1. Wholesale Trade

28,565

18320,25

14061,20

19,114

10149,18

7887,07

2. Retail Trade

1,63,375

26505,02

21086,11

1,01,384

18725,11

13197,46

VII.

FINANCE

5,632

16127,01

11447,92

3,662

7931,38

6065,45

VIII.

ALL OTHERS

25,362

7919,88

5837,57

16,170

5842,22

4202,20

TOTAL LOANS AND ADVANCES

15,98,665

405384,27

299419,34

8,02,850

205681,23

155504,56

TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2009

(Amount in Rupees Lakh)

 OCCUPATION

15% AND ABOVE BUT LESS THAN 16%

16% AND ABOVE BUT LESS THAN 17%

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

19

20

21

22

23

24

I.

AGRICULTURE

25,422

2829,56

2250,30

12,435

1434,85

1167,29

1. Direct Finance

22,428

2100,64

1661,18

10,848

714,35

581,90

2. Indirect Finance

2,994

728,92

589,12

1,587

720,50

585,39

II.

INDUSTRY

42,266

35849,11

25560,55

26,634

16297,60

11003,79

1. Mining & Quarrying

777

555,99

422,64

476

968,73

392,61

2. Food Manufacturing & Processing

2,984

1543,30

1145,78

2,191

976,51

751,13

  (a) Rice Mills, Flour & Dal Mills

773

210,53

167,68

373

111,31

90,93

  (b) Sugar

53

189,73

153,39

48

138,99

116,46

  (c) Edible Oils & Vanaspati

245

269,49

227,76

130

46,15

34,02

  (d) Tea Processing

90

201,63

86,83

45

49,92

39,87

  (e) Processing of Fruits & Vegetables

134

41,92

34,26

33

14,85

14,27

  (f) Others

1,689

630,01

475,86

1,562

615,29

455,59

3. Beverage & Tobacco

278

1304,27

919,58

146

189,55

162,28

4. Textiles

5,051

3783,70

2668,10

4,174

1681,83

1188,87

  (a) Cotton Textiles

1,550

1816,67

1173,53

1,132

613,72

446,39

  (b) Jute & Other Natural Fibre Textiles

95

101,54

88,11

44

9,89

10,62

  (c) Handloom Textiles & Khadi

294

59,10

44,30

135

24,83

17,23

  (d) Other Textiles & Textile Products

3,112

1806,39

1362,15

2,863

1033,40

714,63

5. Paper, Paper Products & Printing

1,275

1113,87

929,86

762

529,22

417,35

6. Woods and Woods Products

597

200,75

170,99

278

78,79

56,54

7. Leather & Leather Products

427

394,10

267,35

471

120,64

86,90

8. Gems and Jewellary

213

313,73

271,12

172

71,69

56,83

9. Rubber & Plastic Products

1,127

783,69

600,15

711

316,81

251,53

10. Chemicals & Chemical Products

1,492

2639,90

1837,22

1,038

1599,65

1106,91

  (a) Heavy Industrial Chemicals

268

612,63

467,09

253

462,36

244,22

  (b) Fertilisers

81

307,68

139,03

50

27,34

20,19

  (c) Drugs & Pharmaceuticals

314

910,13

707,05

261

538,21

346,24

  (d) Non-Edible Oils

44

55,33

52,84

17

27,45

27,31

  (e) Other Chemicals & Chemical Products

785

754,13

471,21

457

544,28

468,95

11. Petroleum, Coal Products & Nuclear Fuels

223

1152,03

150,95

127

47,29

32,68

12. Manufacture of Cement & Cement Products

519

747,16

694,87

203

600,08

225,65

13. Basic Metals & Metal Products

2,281

4151,58

3263,41

1,548

1479,50

1054,86

  (a) Iron & Steel

886

2121,02

1581,72

746

984,81

688,23

  (b) Non-Ferrous Metals

229

446,68

265,38

132

100,49

84,08

  (c) Metal Products

1,166

1583,88

1416,31

670

394,20

282,55

14. Engineering

4,213

3163,07

2187,18

2,551

1885,77

1124,22

  (a) Heavy Engineering

715

595,39

451,90

322

738,40

258,67

  (b) Light Engineering

2,633

1103,65

693,82

1,654

525,90

310,96

  (c) Electrical Machinery & Goods

622

1040,14

687,51

352

327,53

265,79

  (d) Electronic Machinery & Goods

243

423,90

353,95

223

293,95

288,80

15. Vehicles, Vehicle Parts & Transport Equipments

770

1525,14

647,34

504

575,18

343,52

16. Other Industries

10,804

2469,06

1943,30

5,772

1478,30

1080,81

17. Electricity, Gas & Water

277

1004,43

853,90

165

375,59

328,33

  (a) Electricity Generation & Transmission

125

290,89

216,59

61

120,28

115,37

  (b) Non-Conventional Energy

32

174,85

154,93

18

173,91

173,79

  (c) Gas, Steam & Water Supply

120

538,69

482,38

86

81,40

39,17

18. Construction

8,958

9003,33

6586,81

5,345

3322,44

2342,78

(a) Other than Infrastructure

7,053

5778,71

4347,71

3,919

2100,39

1388,41

(b) Infrastructure Construction

1,905

3224,63

2239,10

1,426

1222,06

954,36

III.

TRANSPORT OPERATORS

23,298

3306,87

2882,14

13,413

1638,10

1511,60

IV.

PROFESSIONAL AND OTHER SERVICES

25,840

14235,37

10554,52

19,156

7132,25

5376,84

1. Professional Services

3,769

869,68

663,24

2,310

843,79

557,45

2. Tourism, Hotel & Restaurants

1,885

1134,94

784,44

1,302

473,41

371,87

3. Recreation services

414

670,03

547,11

302

149,32

115,09

4. IT and Telecommunications

425

1614,78

1476,99

524

539,45

262,84

5. Others

19,347

9945,94

7082,75

14,718

5126,27

4069,59

V.

PERSONAL LOANS

2,19,240

12146,11

9043,09

1,23,177

6200,37

4458,11

1. Housing

34,305

4227,24

3450,46

8,465

1105,81

974,35

2. Consumer Durables

5,575

190,72

157,95

2,581

96,01

83,21

3. Vehicles

69,837

2609,73

1752,60

48,503

1722,96

1130,25

4. Education

2,398

158,61

106,94

434

28,57

21,10

5. Personal Credit Cards

1,263

35,26

4,43

2,337

78,51

18,03

6. Others

1,05,862

4924,54

3570,73

60,857

3168,51

2231,17

VI.

TRADE

47,667

11289,14

8638,12

35,729

8135,99

5983,12

1. Wholesale Trade

7,375

4151,13

2833,36

5,446

3209,03

2059,64

2. Retail Trade

40,292

7138,01

5804,76

30,283

4926,97

3923,48

VII.

FINANCE

1,645

2317,03

1803,82

1,725

1723,69

1195,53

VIII.

ALL OTHERS

11,984

3146,87

2283,22

8,292

1955,28

1246,75

TOTAL LOANS AND ADVANCES

3,97,362

85120,07

63015,77

2,40,561

44518,13

31943,02

TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2009

(Amount in Rupees Lakh)

OCCUPATION

17% AND ABOVE BUT LESS THAN 18%

18% AND ABOVE BUT LESS THAN 20%

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

25

26

27

28

29

30

I.

AGRICULTURE

7,243

745,95

444,28

12,438

823,54

486,93

1. Direct Finance

6,645

462,25

363,83

11,883

756,87

432,99

2. Indirect Finance

598

283,70

80,45

555

66,68

53,94

II.

INDUSTRY

16,565

8858,58

6005,95

29,899

7528,16

5764,70

1. Mining & Quarrying

131

59,33

61,31

212

41,07

35,15

2. Food Manufacturing & Processing

1,426

460,54

362,85

1,988

394,19

256,19

(a) Rice Mills, Flour & Dal Mills

75

25,90

22,57

55

26,62

25,04

(b) Sugar

43

27,91

26,76

47

3,11

2,21

(c) Edible Oils & Vanaspati

53

212,68

182,57

44

18,76

15,08

(d) Tea Processing

26

22,74

21,34

213

24,77

20,49

(e) Processing of Fruits & Vegetables

34

6,43

5,79

9

14,40

24,13

 (f) Others

1,195

164,88

103,81

1,620

306,53

169,23

3. Beverage & Tobacco

42

30,02

19,77

22

12,41

12,03

4. Textiles

1,948

514,59

316,37

4,844

750,91

489,71

(a) Cotton Textiles

364

155,19

114,34

342

233,40

144,88

(b) Jute & Other Natural Fibre Textiles

25

77,94

6,91

22

3,88

1,34

(c) Handloom Textiles & Khadi

59

12,22

4,24

89

7,03

5,31

(d) Other Textiles & Textile Products

1,500

269,24

190,88

4,391

506,59

338,17

5. Paper, Paper Products & Printing

302

106,13

87,68

315

138,85

110,29

6. Woods and Woods Products

189

26,77

19,57

95

29,28

30,62

7. Leather & Leather Products

121

26,43

16,14

202

83,73

44,94

8. Gems and Jewellary

69

31,10

26,66

114

57,50

35,47

9. Rubber & Plastic Products

364

131,07

64,81

350

119,95

75,90

10. Chemicals & Chemical Products

410

208,63

164,18

736

485,54

333,92

(a) Heavy Industrial Chemicals

100

22,32

20,48

338

59,04

25,21

(b) Fertilisers

22

2,20

1,78

61

16,01

10,56

(c) Drugs & Pharmaceuticals

74

116,86

96,40

92

248,02

167,58

(d) Non-Edible Oils

6

1,61

1,49

4

40

20

(e) Other Chemicals & Chemical Products

208

65,64

44,02

241

162,06

130,37

11. Petroleum, Coal Products & Nuclear Fuels

58

9,19

8,32

146

34,79

31,42

12. Manufacture of Cement & Cement Products

105

934,40

931,75

92

9,37

8,98

13. Basic Metals & Metal Products

1,017

2315,38

831,14

1,965

340,84

264,57

(a) Iron & Steel

595

1770,55

747,69

1,646

224,07

173,16

(b) Non-Ferrous Metals

90

31,65

20,30

136

35,40

30,79

(c) Metal Products

332

513,18

63,15

183

81,37

60,63

14. Engineering

1,434

516,67

318,63

2,275

513,39

350,41

(a) Heavy Engineering

178

212,75

117,14

117

65,50

45,84

(b) Light Engineering

1,033

221,74

154,47

1,882

202,98

172,54

(c) Electrical Machinery & Goods

167

59,23

35,08

199

74,91

54,15

(d) Electronic Machinery & Goods

56

22,94

11,92

77

170,01

77,88

15. Vehicles, Vehicle Parts & Transport Equipments

155

121,74

93,78

271

127,38

82,02

16. Other Industries

6,068

1234,60

931,11

13,741

3077,91

2390,70

17. Electricity, Gas & Water

208

127,85

80,99

157

435,88

403,97

(a) Electricity Generation & Transmission

134

121,16

74,96

42

392,15

382,38

(b) Non-Conventional Energy

25

1,44

92

12

33,48

12,60

(c) Gas, Steam & Water Supply

49

5,25

5,12

103

10,24

8,98

18. Construction

2,518

2004,15

1670,90

2,374

875,18

808,40

(a) Other than Infrastructure

1,818

1356,94

1261,19

1,352

246,74

234,45

(b) Infrastructure Construction

700

647,22

409,71

1,022

628,44

573,95

III.

TRANSPORT OPERATORS

8,634

549,28

472,25

10,022

700,00

563,74

IV.

PROFESSIONAL AND OTHER SERVICES

13,574

2819,85

2176,51

29,350

5953,85

2529,80

1. Professional Services

1,447

169,33

113,19

2,342

312,64

234,76

2. Tourism, Hotel & Restaurants

444

128,12

82,14

574

81,35

73,31

3. Recreation services

154

159,62

147,56

174

17,02

15,03

4. IT and Telecommunications

232

75,50

53,88

653

48,46

39,76

5. Others

11,297

2287,28

1779,75

25,607

5494,38

2166,94

V.

PERSONAL LOANS

2,35,671

9441,67

6357,30

2,28,685

9808,13

7679,68

1. Housing

4,842

412,91

355,02

5,497

285,28

255,02

2. Consumer Durables

540

22,63

18,30

649

27,27

23,02

3. Vehicles

45,408

1621,60

1140,76

88,788

3081,20

2373,62

4. Education

114

8,54

6,31

93

4,12

3,20

5. Personal Credit Cards

2,125

58,75

5,20

2,574

129,95

22,65

6. Others

1,82,642

7317,23

4831,71

1,31,084

6280,31

5002,16

VI.

TRADE

15,122

2366,31

1494,22

24,506

3388,55

2377,37

1. Wholesale Trade

3,708

753,09

614,98

4,991

940,39

719,36

2. Retail Trade

11,414

1613,22

879,25

19,515

2448,16

1658,02

VII.

FINANCE

1,635

293,51

179,06

5,249

1003,78

622,21

VIII.

ALL OTHERS

4,053

787,73

561,96

11,954

1190,70

921,00

TOTAL LOANS AND ADVANCES

3,02,497

25862,89

17691,55

3,52,103

30396,72

20945,44

TABLE NO. 5.3 – INTEREST RATE RANGE-WISE CLASSIFICATION OF OUTSTANDING LOANS AND
ADVANCES OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION MARCH 2009

(Amount in Rupees Lakh)

 OCCUPATION

20% AND ABOVE

TOTAL

No. of Accounts

Credit Limit

Amount Outstanding

No. of Accounts

Credit Limit

Amount Outstanding

31

32

33

34

35

36

I.

AGRICULTURE

10,285

375,76

314,19

23,62,751

216497,53

172060,28

1. Direct Finance

10,010

350,92

303,10

22,08,106

126741,28

104165,37

2. Indirect Finance

275

24,85

11,09

1,54,645

89756,26

67894,91

II.

INDUSTRY

8,737

5286,73

2779,19

9,92,681

1508830,85

1059488,30

1. Mining & Quarrying

25

53,50

8,27

21,141

43509,13

26776,25

2. Food Manufacturing & Processing

586

233,51

70,68

90,348

94074,74

64186,86

(a) Rice Mills, Flour & Dal Mills

14

1,97

1,93

32,382

22890,73

16379,74

(b) Sugar

9

6,04

5,77

2,168

23243,46

17291,02

(c) Edible Oils & Vanaspati

14

18,90

5,29

6,322

10349,58

7283,65

(d) Tea Processing

15

72

33

1,998

4872,76

3013,57

(e) Processing of Fruits & Vegetables

3

15

16

3,387

2181,69

1388,89

(f) Others

531

205,72

57,20

44,091

30536,51

18830,00

3. Beverage & Tobacco

10

4,55

7,61

6,748

14450,00

10495,73

4. Textiles

1,708

361,47

186,48

1,32,291

158013,10

106718,70

(a) Cotton Textiles

108

168,48

38,38

45,421

72415,45

51137,88

(b) Jute & Other Natural Fibre Textiles

5

27

10

2,225

1666,93

1235,50

(c) Handloom Textiles & Khadi

64

3,80

96

8,101

3158,70

3388,70

(d) Other Textiles & Textile Products

1,531

188,91

147,03

76,544

80772,03

50956,63

5. Paper, Paper Products & Printing

65

85,04

22,36

27,856

27807,03

20481,48

6. Woods and Woods Products

23

1,22

65

10,915

4201,41

3176,71

7. Leather & Leather Products

39

5,81

3,22

9,375

8639,38

5129,29

8. Gems and Jewellary

17

43,20

19,01

6,648

24667,42

15462,31

9. Rubber & Plastic Products

92

68,06

36,60

26,842

27497,03

17337,13

10. Chemicals & Chemical Products

158

695,00

322,42

40,793

108728,80

70755,22

(a) Heavy Industrial Chemicals

43

102,28

43,95

8,391

19047,63

12850,82

(b) Fertilisers

6

67,46

1,94

1,220

15742,78

9861,14

(c) Drugs & Pharmaceuticals

46

361,52

213,39

9,012

34287,98

24725,77

(d) Non-Edible Oils

-

-

-

1,348

1793,32

1253,84

(e) Other Chemicals & Chemical Products

63

163,75

63,14

20,822

37857,09

22063,64

11. Petroleum, Coal Products & Nuclear Fuels

16

2,14

1,41

3,605

75697,83

57095,72

12. Manufacture of Cement & Cement Products

30

494,33

413,78

13,692

27294,19

20175,13

13. Basic Metals & Metal Products

314

289,43

153,91

62,245

240641,65

165558,36

(a) Iron & Steel

230

145,65

37,67

25,812

139817,71

94409,96

(b) Non-Ferrous Metals

13

6,03

1,45

6,903

20753,18

13493,60

(c) Metal Products