Publications

() or

()

Date : Aug 20, 2010

Jammu & Kashmir

NORTHERN REGION
STATE : JAMMU & KASHMIR
(Amount in Rupees Lakh)
	OCCUPATION	RURAL			SEMI-URBAN
	OCCUPATION	No. of Accounts	Credit Limit	Amount Outstanding	No. of Accounts	Credit Limit	Amount Outstanding
		1	2	3	4	5	6
I.	AGRICULTURE	44,818	774,89	600,95	17,358	323,80	253,68
	1. Direct Finance	44,085	745,40	578,41	17,065	313,91	247,93
	2. Indirect Finance	733	29,50	22,54	293	9,89	5,75
II.	INDUSTRY	13,395	638,18	460,44	5,290	383,28	273,95
	1. Mining & Quarrying	123	23,34	18,30	38	21,15	20,17
	2. Food Manufacturing & Processing	692	37,35	29,05	413	42,30	32,22
	(a) Rice Mills, Flour & Dal Mills	135	6,25	5,13	98	21,02	15,96
	(b) Sugar	1	5	1	-	-	-
	(c) Edible Oils & Vanaspati	59	1,78	1,08	33	11,81	8,08
	(d) Tea Processing	209	2,02	1,31	109	1,10	66
	(e) Processing of Fruits & Vegetables	31	5,90	4,45	6	90	86
	(f) Others	257	21,35	17,08	167	7,48	6,65
	3. Beverage & Tobacco	23	8,07	7,16	14	4,03	2,96
	4. Textiles	6,299	181,27	116,58	2,378	69,08	28,02
	(a) Cotton Textiles	160	3,60	2,60	69	5,04	4,70
	(b) Jute & Other Natural Fibre Textiles	118	83	55	40	42	32
	(c) Handloom Textiles & Khadi	3,955	25,37	16,78	1,419	8,97	5,90
	(d) Other Textiles & Textile Products	2,066	151,47	96,64	850	54,66	17,11
	5. Paper, Paper Products & Printing	143	23,72	20,71	105	22,54	14,19
	6. Woods and Wood Products	581	15,47	12,62	263	7,42	6,33
	7. Leather & Leather Products	112	4,75	4,22	68	52	33
	8. Gems and Jewellery	128	1,20	85	58	66	41
	9. Rubber & Plastic Products	109	2,24	1,59	59	6,93	4,24
	10. Chemicals & Chemical Products	162	45,33	21,69	94	41,55	37,25
	(a) Heavy Industrial Chemicals	7	22,97	4,66	7	12,62	10,88
	(b) Fertilisers	-	-	-	2	12	12
	(c) Drugs & Pharmaceuticals	110	18,16	13,99	40	10,07	8,98
	(d) Non-Edible Oils	1	6	6	1	20	26
	(e) Other Chemicals & Chemical Products	44	4,14	2,98	44	18,55	17,02
	11. Petroleum, Coal Products & Nuclear Fuels	17	2,71	2,05	3	57	42
	12. Manufacture of Cement & Cement Products	120	16,35	12,90	50	7,79	6,22
	13. Basic Metals & Metal Products	603	35,96	26,43	262	79,74	66,82
	(a) Iron & Steel	27	5,32	3,06	44	42,22	38,29
	(b) Non-Ferrous Metals	53	14,31	9,91	16	31,72	24,31
	(c) Metal Products	523	16,33	13,46	202	5,80	4,22
	14. Engineering	617	24,98	15,96	474	20,88	18,17
	(a) Heavy Engineering	9	41	23	6	30	26
	(b) Light Engineering	357	18,34	10,44	353	9,81	7,64
	(c) Electrical Machinery & Goods	159	4,89	4,22	84	10,26	9,86
	(d) Electronic Machinery & Goods	92	1,33	1,07	31	52	40
	15. Vehicles, Vehicle Parts & Transport Equipments	342	17,76	12,98	62	2,66	2,05
	16. Other Industries	2,537	85,71	67,71	746	37,66	20,70
	17. Electricity, Gas & Water	192	56,27	50,55	2	29	14
	(a) Electricity Generation & Transmission	191	56,12	50,45	1	25	14
	(b) Non-Conventional Energy	-	-	-	-	-	-
	(c) Gas, Steam & Water Supply	1	15	10	1	4	-
	18. Construction	595	55,71	39,09	201	17,51	13,33
	(a) Other than Infrastructure	520	46,76	32,22	147	12,08	10,03
	(b) Infrastructure Construction	75	8,96	6,86	54	5,43	3,30
III.	TRANSPORT OPERATORS	9,932	357,46	236,13	4,011	112,38	78,08
IV.	PROFESSIONAL AND OTHER SERVICES	3,260	162,99	113,71	2,023	94,66	69,67
	1. Professional Services	401	14,64	10,95	413	8,86	7,69
	2. Tourism, Hotel & Restaurants	350	33,56	24,03	190	32,37	19,33
	3. Recreation services	57	1,81	1,23	115	1,98	1,71
	4. IT and Telecommunications	16	1,25	1,11	31	1,33	1,18
	5. Others	2,436	111,72	76,39	1,274	50,12	39,75
V.	PERSONAL LOANS	1,32,616	1570,86	1183,04	77,305	870,70	644,66
	1. Housing	8,578	261,13	211,01	4,059	128,38	104,20
	2. Consumer Durables	31,178	375,76	290,44	20,144	184,87	137,25
	3. Vehicles	33,799	450,33	319,69	21,140	258,49	187,19
	4. Education	1,475	30,38	20,28	981	20,93	15,53
	5. Personal Credit Cards	40	1,17	44	143	52	46
	6. Others	57,546	452,09	341,19	30,838	277,50	200,04
VI.	TRADE	41,706	802,18	624,67	19,944	438,03	330,98
	1. Wholesale Trade	420	13,91	10,95	294	14,68	12,71
	2. Retail Trade	41,286	788,27	613,72	19,650	423,35	318,27
VII.	FINANCE	180	5,41	2,17	79	11,62	6,96
VIII.	ALL OTHERS	8,285	76,59	63,52	1,957	40,96	34,84
	TOTAL BANK CREDIT	2,54,192	4388,56	3284,62	1,27,967	2275,43	1692,83

TABLE NO. 5.7 – STATE AND POPULATION GROUP-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION 'MARCH 2009

(Amount in Rupees 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

3,033

171,18

145,80

-

-

-

1. Direct Finance

2,728

80,96

61,99

-

-

-

2. Indirect Finance

305

90,22

83,81

-

-

-

II.

INDUSTRY

11,538

2748,76

2318,48

-

-

-

1. Mining & Quarrying

76

14,01

10,44

-

-

-

2. Food Manufacturing & Processing

791

176,67

137,06

-

-

-

(a) Rice Mills, Flour & Dal Mills

192

56,75

43,72

-

-

-

(b) Sugar

3

42

33

-

-

-

(c) Edible Oils & Vanaspati

35

11,39

8,58

-

-

-

(d) Tea Processing

29

61

46

-

-

-

(e) Processing of Fruits & Vegetables

23

10,99

7,32

-

-

-

(f) Others

509

96,50

76,65

-

-

-

3. Beverage & Tobacco

55

94,03

80,26

-

-

-

4. Textiles

3,504

177,35

121,93

-

-

-

(a) Cotton Textiles

308

12,10

6,59

-

-

-

(b) Jute & Other Natural Fibre Textiles

155

3,53

2,22

-

-

-

(c) Handloom Textiles & Khadi

1,569

11,82

7,53

-

-

-

(d) Other Textiles & Textile Products

1,472

149,91

105,58

-

-

-

5. Paper, Paper Products & Printing

223

67,58

56,38

-

-

-

6. Woods and Wood Products

172

28,66

23,92

-

-

-

7. Leather & Leather Products

146

6,07

5,36

-

-

-

8. Gems and Jewellery

62

8,72

8,04

-

-

-

9. Rubber & Plastic Products

103

21,62

18,01

-

-

-

10. Chemicals & Chemical Products

215

119,31

92,69

-

-

-

(a) Heavy Industrial Chemicals

16

16,23

10,33

-

-

-

(b) Fertilisers

-

-

-

-

-

-

(c) Drugs & Pharmaceuticals

57

34,39

27,52

-

-

-

(d) Non-Edible Oils

4

93

75

-

-

-

(e) Other Chemicals &
Chemical Products

138

67,77

54,08

-

-

-

11. Petroleum, Coal Products &
Nuclear Fuels

25

16,82

16,06

-

-

-

12. Manufacture of Cement &
Cement Products

111

302,63

291,40

-

-

-

13. Basic Metals & Metal Products

521

192,93

162,55

-

-

-

(a) Iron & Steel

91

117,43

96,98

-

-

-

(b) Non-Ferrous Metals

45

33,19

28,28

-

-

-

(c) Metal Products

385

42,32

37,29

-

-

-

14. Engineering

1,163

162,06

156,01

-

-

-

(a) Heavy Engineering

62

13,34

10,22

-

-

-

(b) Light Engineering

624

42,92

41,60

-

-

-

(c) Electrical Machinery & Goods

367

101,04

100,01

-

-

-

(d) Electronic Machinery & Goods

110

4,75

4,19

-

-

-

15. Vehicles, Vehicle Parts &
Transport Equipments

285

42,99

33,63

-

-

-

16. Other Industries

3,527

231,64

197,10

-

-

-

17. Electricity, Gas & Water

17

43,09

42,85

-

-

-

(a) Electricity Generation &
Transmission

10

39,56

40,09

-

-

-

(b) Non-Conventional Energy

6

3,48

2,72

-

-

-

(c) Gas, Steam & Water Supply

1

5

5

-

-

-

18. Construction

542

1042,58

864,78

-

-

-

(a) Other than Infrastructure

424

267,33

235,50

-

-

-

(b) Infrastructure Construction

118

775,25

629,28

-

-

-

III.

TRANSPORT OPERATORS

5,344

250,92

173,11

-

-

-

IV.

PROFESSIONAL AND OTHER
SERVICES

6,172

3385,72

2619,36

-

-

-

1. Professional Services

940

120,97

115,15

-

-

-

2. Tourism, Hotel & Restaurants

1,443

150,05

119,25

-

-

-

3. Recreation services

165

19,94

13,55

-

-

-

4. IT and Telecommunications

39

9,90

8,72

-

-

-

5. Others

3,585

3084,86

2362,69

-

-

-

V.

PERSONAL LOANS

1,46,990

2566,95

1940,22

-

-

-

1. Housing

16,370

744,62

595,70

-

-

-

2. Consumer Durables

27,885

436,09

333,53

-

-

-

3. Vehicles

45,868

615,05

443,46

-

-

-

4. Education

3,791

118,99

85,48

-

-

-

5. Personal Credit Cards

277

1,35

58

-

-

-

6. Others

52,799

650,84

481,46

-

-

-

VI.

TRADE

28,811

1993,25

1603,33

-

-

-

1. Wholesale Trade

1,069

599,87

582,44

-

-

-

2. Retail Trade

27,742

1393,38

1020,89

-

-

-

VII.

FINANCE

99

3,75

3,19

-

-

-

VIII.

ALL OTHERS

3,941

79,02

60,51

-

-

-

TOTAL BANK CREDIT

2,05,928

11199,56

8863,98