| Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1998 |
NORTHERN REGION
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| STATE :JAMMU & KASHMIR
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| (Amount in Rupees Lakh)
| | | | | | STATE BANK OF INDIA | NATIONALISED BANKS | FOREIGN BANKS | | | | | | AND ITS ASSOCIATES
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| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | No. of | Credit | Amount | | | | | | Accounts | Limit | Out- | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | |
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| I. | AGRICULTURE | 13,908 | 25,59 | 18,85 | 8,202 | 18,37 | 15,99 | - | - | - | | | 1. | Direct Finance | 13,866 | 25,01 | 18,39 | 8,014 | 17,61 | 15,26 | - | - | - | | | 2. | Indirect Finance | 42 | 58 | 46 | 188 | 76 | 73 | - | - | - | II. | INDUSTRY | 4,404 | 67,25 | 48,48 | 4,857 | 95,82 | 90,48 | 4 | 4,22 | 3,46 | | | 1. | Mining & Quarrying | 5 | 30 | 26 | 27 | 94 | 62 | - | - | - | | | 2. | Food Manufacturing & Processing | 320 | 13,90 | 8,46 | 254 | 20,46 | 17,13 | - | - | - | | | | (a) | Rice Mills, Flour & Dal Mills | 59 | 4,34 | 3,38 | 101 | 10,87 | 8,73 | - | - | - | | | | (b) | Sugar | 2 | 2 | 1 | - | - | - | - | - | - | | | | (c) | Edible Oils & Vanaspati | 89 | 2,78 | 2,21 | 40 | 2,41 | 1,98 | - | - | - | | | | (d) | Tea Processing | 1 | 1 | 1 | 2 | 4 | 7 | - | - | - | | | | (e) | Processing of Fruits & Vegetables | 1 | 2 | 2 | 22 | 27 | 23 | - | - | - | | | | (f) | Others | 168 | 6,74 | 2,84 | 89 | 6,86 | 6,12 | - | - | - | | | 3. | Beverage & Tobacco | 9 | 1,70 | 6 | 17 | 60 | 59 | - | - | - | | | 4. | Textiles | 213 | 4,54 | 3,94 | 369 | 9,33 | 8,55 | - | - | - | | | | (a) | Cotton Textiles | 9 | 2,25 | 1,74 | 13 | 3,31 | 3,25 | - | - | - | | | | (b) | Jute Textiles | 1 | 5 | 2 | 5 | 17 | 22 | - | - | - | | | | (c) | Handloom Textiles & Khadi | 4 | 5 | 4 | 24 | 34 | 43 | - | - | - | | | | (d) | Other Textiles | 199 | 2,19 | 2,13 | 327 | 5,51 | 4,65 | - | - | - | | | 5. | Paper, Paper Products & Printing | 50 | 1,22 | 1,01 | 94 | 2,52 | 2,47 | - | - | - | | | 6. | Leather & Leather Products | 37 | 77 | 58 | 61 | 49 | 50 | - | - | - | | | 7. | Rubber & Rubber Products | 6 | 13 | 18 | 19 | 1,49 | 1,18 | - | - | - | | | 8. | Chemicals & Chemical Products | 75 | 2,66 | 2,24 | 128 | 11,36 | 13,49 | - | - | - | | | | (a) | Heavy Industrial Chemicals | 2 | 30 | 18 | 3 | 11 | 17 | - | - | - | | | | (b) | Fertilisers | - | - | - | 1 | 4 | 19 | - | - | - | | | | (c) | Drugs & Pharmaceuticals | 13 | 20 | 7 | 33 | 3,31 | 3,62 | - | - | - | | | | (d) | Non-Edible Oils | 1 | 1 | 2 | - | - | - | - | - | - | | | | (e) | Other Chemicals & Chemical Products | 59 | 2,15 | 1,97 | 91 | 7,90 | 9,51 | - | - | - | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 189 | 3,32 | 2,94 | 4 | 8 | 4 | - | - | - | | | 10. | Manufacture of Cement & Cement Products | 6 | 18 | 14 | 32 | 5,60 | 4,08 | - | - | - | | | 11. | Basic Metals & Metal Products | 188 | 6,47 | 5,43 | 153 | 8,49 | 7,30 | - | - | - | | | | (a) | Iron & Steel | 23 | 2,00 | 1,85 | 48 | 6,02 | 5,33 | - | - | - | | | | (b) | Non-Ferrous Metals | 4 | 9 | 4 | 6 | 12 | 10 | - | - | - | | | | (c) | Other Metal Products | 161 | 4,38 | 3,53 | 99 | 2,34 | 1,87 | - | - | - | | | 12. | Engineering | 145 | 4,36 | 3,64 | 171 | 5,73 | 5,33 | 3 | 4,20 | 3,46 | | | | (a) | Heavy Engineering | 3 | 3 | 4 | 4 | 4 | 5 | - | - | - | | | | (b) | Light Engineering | 56 | 1,24 | 98 | 49 | 3,13 | 2,99 | 3 | 4,20 | 3,46 | | | | (c) | Electrical Machinery & Goods | 73 | 2,71 | 2,36 | 73 | 2,15 | 1,88 | - | - | - | | | | (d) | Electronic Machinery & Goods | 13 | 38 | 27 | 45 | 40 | 42 | - | - | - | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 28 | 30 | 28 | 68 | 4,99 | 4,26 | - | - | - | | | 14. | Other Industries | 3,075 | 26,52 | 18,60 | 3,411 | 18,05 | 18,92 | 1 | 2 | - | | | 15. | Electricity, Gas & Water | 11 | 30 | 28 | 9 | 53 | 46 | - | - | - | | | | (a) | Electricity Generation & Transmission | 7 | 28 | 26 | 8 | 52 | 46 | - | - | - | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | 4 | 2 | 1 | 1 | 1 | - | - | - | - | | | 16. | Construction | 47 | 60 | 45 | 40 | 5,17 | 5,57 | - | - | - | III. | TRANSPORT OPERATORS | 2,030 | 44,40 | 31,95 | 1,294 | 25,83 | 19,76 | - | - | - | IV. | PROFESSIONAL AND OTHER SERVICES | 215 | 15,23 | 13,51 | 7,294 | 15,39 | 13,67 | 3 | 4 | 1 | V. | PERSONAL LOANS | 3,725 | 32,18 | 26,47 | 15,832 | 64,46 | 56,82 | 8 | 4 | 2 | | | 1. | Loans for Purchase of Consumer Durables | 195 | 2,14 | 1,76 | 2,425 | 4,71 | 3,77 | - | - | - | | | 2. | Loans for Housing | 991 | 12,26 | 10,78 | 1,739 | 19,28 | 16,73 | - | - | - | | | 3. | Rest of the Personal Loans | 2,539 | 17,78 | 13,93 | 11,668 | 40,47 | 36,32 | 8 | 4 | 2 | VI. | TRADE | 9,431 | 40,40 | 34,93 | 11,540 | 59,31 | 53,91 | 10 | 35 | 30 | | | 1. | Wholesale Trade | 515 | 4,44 | 3,88 | 929 | 16,68 | 15,50 | 7 | 22 | 18 | | | 2. | Retail Trade | 8,916 | 35,96 | 31,06 | 10,611 | 42,63 | 38,41 | 3 | 13 | 13 | VII. | FINANCE | 36 | 83 | 82 | 70 | 5,16 | 3,93 | - | - | - | VIII.
| ALL OTHERS
| 166
| 4,19
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| 38,54
| 35,16
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| TOTAL BANK CREDIT | 33,915 | 230,07 | 178,50 | 54,613 | 322,87 | 289,72 | 25 | 4,64 | 3,79 | OF WHICH: | 1. Artisans & Village Industries | 772 | 3,13 | 3,02 | 1,281 | 2,88 | 2,80 | 1 | 2 | - |
| 2. Other Small Scale Industries
| 1,700
| 31,87
| 24,82
| 2,378
| 54,32
| 51,26
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NORTHERN REGION
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| STATE :JAMMU & KASHMIR
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| (Amount in Rupees Lakh)
| | | | | | REGIONAL RURAL BANKS | OTHER SCHEDULED | ALL SCHEDULED | | | | | |
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| COMMERCIAL BANKS
| COMMERCIAL BANKS
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | No. of | Credit | Amount | | | | | | Accounts | Limit | Out- | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | |
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| I. | AGRICULTURE | 36,823 | 25,41 | 23,03 | 21,473 | 69,54 | 67,59 | 80,406 | 138,91 | 125,46 | | | 1. | Direct Finance | 36,472 | 24,82 | 22,54 | 21,340 | 43,22 | 43,99 | 79,692 | 110,65 | 100,17 | | | 2. | Indirect Finance | 351 | 60 | 50 | 133 | 26,33 | 23,60 | 714 | 28,26 | 25,29 | II. | INDUSTRY | 20,196 | 10,54 | 9,31 | 11,260 | 203,19 | 184,31 | 40,721 | 381,02 | 336,04 | | | 1. | Mining & Quarrying | - | - | - | 15 | 2,40 | 3,82 | 47 | 3,64 | 4,70 | | | 2. | Food Manufacturing & Processing | 160 | 80 | 72 | 498 | 28,68 | 26,31 | 1,232 | 63,83 | 52,63 | | | | (a) | Rice Mills, Flour & Dal Mills | 39 | 69 | 62 | 120 | 13,73 | 12,39 | 319 | 29,64 | 25,11 | | | | (b) | Sugar | 1 | 2 | 1 | 1 | - | - | 4 | 4 | 3 | | | | (c) | Edible Oils & Vanaspati | 3 | 2 | 2 | 176 | 10,49 | 9,05 | 308 | 15,70 | 13,25 | | | | (d) | Tea Processing | - | - | - | - | - | - | 3 | 5 | 8 | | | | (e) | Processing of Fruits & Vegetables | - | - | - | 7 | 20 | 18 | 30 | 49 | 44 | | | | (f) | Others | 117 | 7 | 7 | 194 | 4,25 | 4,69 | 568 | 17,92 | 13,73 | | | 3. | Beverage & Tobacco | - | - | - | 40 | 9,98 | 9,70 | 66 | 12,28 | 10,35 | | | 4. | Textiles | 3 | 2 | 2 | 1,277 | 57,48 | 44,61 | 1,862 | 71,37 | 57,11 | | | | (a) | Cotton Textiles | 1 | 1 | 1 | 42 | 34,34 | 20,98 | 65 | 39,90 | 25,97 | | | | (b) | Jute Textiles | - | - | - | 2 | 3 | 2 | 8 | 24 | 26 | | | | (c) | Handloom Textiles & Khadi | - | - | - | 90 | 70 | 57 | 118 | 1,09 | 1,04 | | | | (d) | Other Textiles | 2 | 1 | 1 | 1,143 | 22,42 | 23,05 | 1,671 | 30,13 | 29,84 | | | 5. | Paper, Paper Products & Printing | - | - | - | 157 | 4,91 | 5,00 | 301 | 8,64 | 8,48 | | | 6. | Leather & Leather Products | 1 | 50 | 51 | 200 | 3,04 | 3,00 | 299 | 4,80 | 4,58 | | | 7. | Rubber & Rubber Products | - | - | - | 13 | 30 | 36 | 38 | 1,92 | 1,72 | | | 8. | Chemicals & Chemical Products | - | - | - | 142 | 24,13 | 14,31 | 345 | 38,14 | 30,04 | | | | (a) | Heavy Industrial Chemicals | - | - | - | 6 | 42 | 71 | 11 | 83 | 1,06 | | | | (b) | Fertilisers | - | - | - | - | - | - | 1 | 4 | 19 | | | | (c) | Drugs & Pharmaceuticals | - | - | - | 55 | 1,26 | 1,38 | 101 | 4,77 | 5,07 | | | | (d) | Non-Edible Oils | - | - | - | 1 | 1 | 1 | 2 | 2 | 3 | | | | (e) | Other Chemicals & Chemical Products | - | - | - | 80 | 22,43 | 12,21 | 230 | 32,48 | 23,69 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | 3 | 11 | 16 | 196 | 3,51 | 3,14 | | | 10. | Manufacture of Cement & Cement Products | 20 | 63 | 45 | 49 | 3,27 | 3,49 | 107 | 9,68 | 8,15 | | | 11. | Basic Metals & Metal Products | 3 | 4 | 4 | 338 | 20,55 | 28,71 | 682 | 35,55 | 41,48 | | | | (a) | Iron & Steel | 1 | - | 1 | 44 | 11,36 | 18,90 | 116 | 19,38 | 26,10 | | | | (b) | Non-Ferrous Metals | - | - | - | 3 | 12 | 19 | 13 | 33 | 33 | | | | (c) | Other Metal Products | 2 | 4 | 3 | 291 | 9,08 | 9,62 | 553 | 15,84 | 15,05 | | | 12. | Engineering | 1 | 1 | 1 | 250 | 7,33 | 7,59 | 570 | 21,62 | 20,03 | | | | (a) | Heavy Engineering | - | - | - | 13 | 46 | 32 | 20 | 52 | 40 | | | | (b) | Light Engineering | - | - | - | 35 | 3,05 | 2,94 | 143 | 11,63 | 10,37 | | | | (c) | Electrical Machinery & Goods | 1 | 1 | 1 | 127 | 2,79 | 2,61 | 274 | 7,66 | 6,85 | | | | (d) | Electronic Machinery & Goods | - | - | - | 75 | 1,03 | 1,72 | 133 | 1,81 | 2,41 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 6 | 13 | 10 | 59 | 1,87 | 1,43 | 161 | 7,29 | 6,06 | | | 14. | Other Industries | 20,002 | 8,42 | 7,47 | 8,027 | 33,55 | 30,16 | 34,516 | 86,56 | 75,15 | | | 15. | Electricity, Gas & Water | - | - | - | 6 | 21 | 16 | 26 | 1,04 | 90 | | | | (a) | Electricity Generation & Transmission | - | - | - | 4 | 9 | 8 | 19 | 89 | 80 | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | - | - | - | 2 | 12 | 8 | 7 | 15 | 10 | | | 16. | Construction | - | - | - | 186 | 5,38 | 5,51 | 273 | 11,16 | 11,53 | III. | TRANSPORT OPERATORS | 5,725 | 13,60 | 11,76 | 3,967 | 65,59 | 52,37 | 13,016 | 149,42 | 115,84 | IV. | PROFESSIONAL AND OTHER SERVICES | 822 | 57 | 55 | 4,214 | 979,36 | 971,87 | 12,548 | 1010,58 | 999,61 | V. | PERSONAL LOANS | 7,229 | 13,28 | 12,55 | 29,724 | 101,17 | 91,96 | 56,518 | 211,12 | 187,81 | | | 1. | Loans for Purchase of Consumer Durables | 222 | 39 | 38 | 2,729 | 5,07 | 3,92 | 5,571 | 12,32 | 9,83 | | | 2. | Loans for Housing | 1,023 | 4,53 | 3,99 | 3,918 | 43,96 | 38,81 | 7,671 | 80,02 | 70,30 | | | 3. | Rest of the Personal Loans | 5,984 | 8,36 | 8,18 | 23,077 | 52,13 | 49,22 | 43,276 | 118,78 | 107,68 | VI. | TRADE | 19,425 | 20,85 | 19,64 | 22,905 | 154,41 | 134,88 | 63,311 | 275,32 | 243,67 | | | 1. | Wholesale Trade | 1,763 | 97 | 86 | 1,439 | 44,27 | 39,66 | 4,653 | 66,58 | 60,07 | | | 2. | Retail Trade | 17,662 | 19,87 | 18,78 | 21,466 | 110,14 | 95,22 | 58,658 | 208,74 | 183,59 | VII. | FINANCE | 4 | 13 | 11 | 19 | 2,85 | 3,16 | 129 | 8,97 | 8,01 | VIII.
| ALL OTHERS
| 4,267
| 3,37
| 3,14
| 5,396
| 9,73
| 8,30
| 15,353
| 55,83
| 50,11
| TOTAL BANK CREDIT | 94,491 | 87,75 | 80,08 | 98,958 | 1585,84 | 1514,46 | 2,82,002 | 2231,18 | 2066,55 | OF WHICH: | 1. Artisans & Village Industries | 18,252 | 7,63 | 6,71 | 4,744 | 9,73 | 9,63 | 25,050 | 23,38 | 22,17 |
| 2. Other Small Scale Industries
| 1,672
| 1,45
| 1,37
| 4,339
| 72,24
| 67,69
| 10,089
| 159,88
| 145,14
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