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Date : Aug 20, 2010

Punjab

NORTHERN REGION
STATE : PUNJAB
(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	5,26,390	8885,14	7549,77	3,23,562	7011,51	5643,74
	1. Direct Finance	5,20,199	8019,05	6727,97	3,15,497	6001,15	4879,68
	2. Indirect Finance	6,191	866,09	821,80	8,065	1010,37	764,07
II.	INDUSTRY	21,937	3709,82	2106,09	34,693	10114,24	6084,00
	1. Mining & Quarrying	97	18,45	15,15	132	1306,91	62,79
	2. Food Manufacturing & Processing	1,609	904,90	622,73	4,264	2845,72	1804,37
	(a) Rice Mills, Flour & Dal Mills	824	750,57	534,05	2,565	1515,98	1154,15
	(b) Sugar	4	2,70	2,69	23	149,97	128,74
	(c) Edible Oils & Vanaspati	58	44,21	26,18	309	295,75	194,65
	(d) Tea Processing	3	12	5	14	3,07	2,76
	(e) Processing of Fruits & Vegetables	11	65,44	27,59	32	4,18	3,51
	(f) Others	709	41,86	32,16	1,321	876,75	320,57
	3. Beverage & Tobacco	19	31,47	24,42	61	25,17	17,71
	4. Textiles	3,861	950,05	316,38	3,517	1744,60	970,52
	(a) Cotton Textiles	1,065	747,27	138,04	1,649	612,82	435,86
	(b) Jute & Other Natural Fibre Textiles	170	2,15	1,45	54	50,45	48,68
	(c) Handloom Textiles & Khadi	1,867	7,94	5,80	827	49,90	39,67
	(d) Other Textiles & Textile Products	759	192,69	171,09	987	1031,43	446,31
	5. Paper, Paper Products & Printing	149	51,67	29,45	331	100,03	51,59
	6. Woods and Wood Products	520	8,14	6,20	570	28,63	22,97
	7. Leather & Leather Products	133	4,53	3,69	168	14,27	8,28
	8. Gems and Jewellery	41	1,37	82	60	8,93	6,03
	9. Rubber & Plastic Products	132	11,65	9,30	490	69,36	49,55
	10. Chemicals & Chemical Products	215	128,62	77,58	567	168,71	127,75
	(a) Heavy Industrial Chemicals	13	58,36	36,89	103	43,59	39,13
	(b) Fertilisers	7	44	42	39	6,84	4,88
	(c) Drugs & Pharmaceuticals	64	32,13	16,37	76	35,81	22,14
	(d) Non-Edible Oils	7	84	43	27	13,67	12,30
	(e) Other Chemicals & Chemical Products	124	36,84	23,47	322	68,81	49,31
	11. Petroleum, Coal Products & Nuclear Fuels	34	454,61	69,10	53	178,86	177,21
	12. Manufacture of Cement & Cement Products	135	10,71	8,20	251	25,03	18,67
	13. Basic Metals & Metal Products	575	144,51	124,06	2,271	1430,49	1047,66
	(a) Iron & Steel	71	15,92	13,30	1,017	952,27	680,53
	(b) Non-Ferrous Metals	9	2,66	1,47	63	11,45	7,85
	(c) Metal Products	495	125,93	109,29	1,191	466,77	359,28
	14. Engineering	1,266	107,51	74,95	3,484	525,11	384,72
	(a) Heavy Engineering	229	49,52	41,77	675	246,08	197,08
	(b) Light Engineering	817	44,77	25,64	2,393	182,45	102,39
	(c) Electrical Machinery & Goods	168	10,92	6,25	296	91,75	81,31
	(d) Electronic Machinery & Goods	52	2,29	1,29	120	4,84	3,95
	15. Vehicles, Vehicle Parts & Transport Equipments	300	134,62	97,26	437	185,68	138,03
	16. Other Industries	12,079	441,55	375,48	16,093	1119,45	913,50
	17. Electricity, Gas & Water	19	179,40	179,50	78	103,62	96,94
	(a) Electricity Generation & Transmission	6	178,02	178,22	23	98,69	93,59
	(b) Non-Conventional Energy	9	98	88	46	3,18	2,11
	(c) Gas, Steam & Water Supply	4	40	39	9	1,74	1,25
	18. Construction	753	126,05	71,82	1,866	233,68	185,70
	(a) Other than Infrastructure	556	74,59	28,70	1,190	102,33	80,69
	(b) Infrastructure Construction	197	51,46	43,13	676	131,35	105,01
III.	TRANSPORT OPERATORS	3,188	81,79	64,41	2,336	79,65	57,43
IV.	PROFESSIONAL AND OTHER SERVICES	13,682	645,29	544,30	23,406	1072,58	790,87
	1. Professional Services	1,535	56,88	52,27	1,782	85,98	68,29
	2. Tourism, Hotel & Restaurants	282	104,66	100,23	402	44,30	35,15
	3. Recreation services	158	22,21	19,25	176	25,09	12,02
	4. IT and Telecommunications	7	47	40	73	11,62	10,86
	5. Others	11,700	461,07	372,15	20,973	905,59	664,56
V.	PERSONAL LOANS	1,20,826	2400,20	1813,60	2,10,816	5148,10	3814,62
	1. Housing	31,560	1014,89	849,61	53,297	2317,15	1878,05
	2. Consumer Durables	5,724	48,22	36,51	7,200	57,11	42,56
	3. Vehicles	12,207	341,69	210,04	29,356	850,55	521,64
	4. Education	3,864	146,61	93,58	7,694	279,12	173,77
	5. Personal Credit Cards	1,579	11,41	5,36	2,234	28,07	14,00
	6. Others	65,892	837,38	618,50	1,11,035	1616,10	1184,59
VI.	TRADE	40,214	661,33	541,42	48,363	3241,38	2292,90
	1. Wholesale Trade	1,929	150,70	132,94	3,507	556,69	424,83
	2. Retail Trade	38,285	510,62	408,48	44,856	2684,69	1868,07
VII.	FINANCE	1,230	39,02	28,34	803	127,21	106,54
VIII.	ALL OTHERS	23,956	298,69	249,89	25,984	511,79	358,69
	TOTAL BANK CREDIT	7,51,423	16721,28	12897,83	6,69,963	27306,45	19148,78

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

78,939

3172,79

2760,11

17,889

1083,07

860,35

1. Direct Finance

76,125

1897,44

1554,79

15,974

490,26

370,98

2. Indirect Finance

2,814

1275,36

1205,32

1,915

592,81

489,37

II.

INDUSTRY

36,287

19541,54

14683,86

48,942

16233,54

11487,60

1. Mining & Quarrying

98

67,04

62,62

119

87,00

52,56

2. Food Manufacturing & Processing

1,287

1279,02

932,16

2,347

534,91

417,61

(a) Rice Mills, Flour & Dal Mills

519

435,20

306,91

669

147,09

114,61

(b) Sugar

23

228,49

168,57

8

102,30

93,34

(c) Edible Oils & Vanaspati

98

169,11

132,65

29

23,25

20,59

(d) Tea Processing

11

57

30

10

56

41

(e) Processing of Fruits & Vegetables

23

3,91

3,13

42

11,61

11,37

(f) Others

613

441,74

320,61

1,589

250,10

177,29

3. Beverage & Tobacco

61

124,91

77,17

33

70,22

59,47

4. Textiles

5,157

5149,80

3824,73

13,759

8187,63

5515,86

(a) Cotton Textiles

1,228

2691,20

1884,48

4,177

2882,72

1833,38

(b) Jute & Other Natural Fibre Textiles

1,342

52,62

47,27

246

9,86

8,22

(c) Handloom Textiles & Khadi

125

90,30

37,26

287

47,99

32,51

(d) Other Textiles & Textile Products

2,462

2315,68

1855,72

9,049

5247,05

3641,75

5. Paper, Paper Products & Printing

638

469,36

427,85

1,360

688,74

570,57

6. Woods and Wood Products

488

40,33

32,16

192

11,98

11,44

7. Leather & Leather Products

1,051

155,19

120,28

113

8,89

6,70

8. Gems and Jewellery

52

12,61

10,41

229

116,30

90,41

9. Rubber & Plastic Products

1,607

342,79

269,80

547

130,47

89,80

10. Chemicals & Chemical Products

1,217

477,84

405,83

811

266,82

227,80

(a) Heavy Industrial Chemicals

86

159,00

155,69

80

27,81

22,03

(b) Fertilisers

141

6,11

3,76

11

2,83

1,52

(c) Drugs & Pharmaceuticals

135

169,46

141,66

345

136,54

125,71

(d) Non-Edible Oils

13

2,77

2,25

16

8,88

7,13

(e) Other Chemicals & Chemical Products

842

140,50

102,47

359

90,77

71,41

11. Petroleum, Coal Products & Nuclear Fuels

65

405,42

91,61

21

3,99

3,31

12. Manufacture of Cement & Cement Products

252

48,76

37,95

169

25,00

19,64

13. Basic Metals & Metal Products

4,707

3171,37

2411,86

6,325

2635,43

1786,04

(a) Iron & Steel

1,099

949,70

643,13

778

873,32

571,67

(b) Non-Ferrous Metals

356

126,54

86,13

84

53,27

30,09

(c) Metal Products

3,252

2095,12

1682,60

5,463

1708,84

1184,27

14. Engineering

4,647

1355,16

1002,64

4,110

922,94

714,40

(a) Heavy Engineering

850

313,38

244,96

882

407,35

315,87

(b) Light Engineering

3,133

707,61

482,26

2,765

445,26

348,00

(c) Electrical Machinery & Goods

525

230,59

203,03

343

50,48

36,02

(d) Electronic Machinery & Goods

139

103,57

72,39

120

19,86

14,52

15. Vehicles, Vehicle Parts & Transport Equipments

1,076

552,10

404,77

3,966

1090,54

829,78

16. Other Industries

11,253

1368,88

1118,16

13,715

1082,80

809,34

17. Electricity, Gas & Water

48

2647,92

2132,81

38

44,24

36,97

(a) Electricity Generation & Transmission

28

2629,11

2114,80

16

28,76

24,32

(b) Non-Conventional Energy

6

16,31

16,34

6

10,89

9,19

(c) Gas, Steam & Water Supply

14

2,51

1,67

16

4,59

3,46

18. Construction

2,583

1873,04

1321,07

1,088

325,63

245,89

(a) Other than Infrastructure

2,071

393,93

286,76

805

171,69

147,30

(b) Infrastructure Construction

512

1479,12

1034,31

283

153,94

98,59

III.

TRANSPORT OPERATORS

4,515

282,49

187,00

4,567

288,83

223,97

IV.

PROFESSIONAL AND OTHER SERVICES

19,973

2102,46

1533,14

12,318

1016,97

751,08

1. Professional Services

1,427

338,33

313,30

1,314

157,94

133,43

2. Tourism, Hotel & Restaurants

611

151,17

118,82

513

162,13

124,29

3. Recreation services

302

19,45

15,82

56

25,97

23,60

4. IT and Telecommunications

67

5,93

4,77

51

3,90

3,48

5. Others

17,566

1587,58

1080,44

10,384

667,02

466,29

V.

PERSONAL LOANS

2,43,763

6182,94

4693,63

1,56,150

4055,56

3079,07

1. Housing

55,391

2807,97

2352,06

34,365

1979,90

1654,37

2. Consumer Durables

9,433

98,52

66,57

6,705

65,11

47,70

3. Vehicles

64,960

1047,07

677,53

45,706

748,54

496,19

4. Education

8,019

315,94

198,91

4,479

182,44

99,94

5. Personal Credit Cards

1,692

30,31

9,21

1,031

13,71

6,67

6. Others

1,04,268

1883,14

1389,35

63,864

1065,86

774,20

VI.

TRADE

35,555

6024,34

3049,02

20,521

2352,89

1887,40

1. Wholesale Trade

3,046

1487,73

1336,81

4,672

1002,65

785,27

2. Retail Trade

32,509

4536,60

1712,21

15,849

1350,24

1102,13

VII.

FINANCE

497

1034,36

89,36

664

93,44

37,68

VIII.

ALL OTHERS

20,002

1210,42

1050,63

22,798

461,87

366,83

TOTAL BANK CREDIT

4,39,531

39551,33

28046,77

2,83,849

25586,16

18694,00