| Table No. 5.7 - State and Population Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation March 1998 |
NORTHERN REGION | | | | | STATE : JAMMU & KASHMIR
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| (Amount in Rupees Lakh)
| | | | | RURAL
| SEMI-URBAN
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | | | | | Accounts
| Limit
| Outstanding
| Accounts
| Limit
| Outstanding
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|
|
| 1
| 2
| 3
| 4
| 5
| 6
| I. | AGRICULTURE | 65,955 | 63,63 | 55,08 | 11,256 | 23,64 | 20,20 | | | 1. | Direct Finance | 65,370 | 62,16 | 53,71 | 11,209 | 23,19 | 19,71 | | | 2. | Indirect Finance | 585 | 1,47 | 1,37 | 47 | 45 | 49 | II. | INDUSTRY | 22,886 | 65,27 | 56,81 | 6,276 | 113,91 | 87,81 | | | 1. | Mining & Quarrying | 13 | 52 | 23 | 6 | 26 | 27 | | | 2. | Food Manufacturing & Processing | 594 | 18,77 | 14,69 | 225 | 16,79 | 16,97 | | | | (a) Rice Mills, Flour & Dal Mills | 135 | 7,47 | 6,67 | 69 | 9,62 | 8,54 | | | | (b) Sugar | 2 | 2 | 2 | 1 | - | - | | | | (c) Edible Oils & Vanaspati | 173 | 8,10 | 5,54 | 75 | 4,14 | 4,72 | | | | (d) Tea Processing | - | - | - | 1 | 1 | 1 | | | | (e) Processing of Fruits & Vegetables | - | - | - | 5 | 8 | 10 | | | | (f) Others | 284 | 3,17 | 2,47 | 74 | 2,94 | 3,60 | | | 3. | Beverage & Tobacco | - | - | - | 13 | 4,27 | 4,13 | | | 4. | Textiles | 188 | 1,43 | 1,28 | 221 | 39,99 | 26,25 | | | | (a) Cotton Textiles | 18 | 7 | 3 | 12 | 36,62 | 23,11 | | | | (b) Jute Textiles | 3 | 7 | 6 | 1 | 1 | - | | | | (c) Handloom Textiles & Khadi | 11 | 7 | 4 | 7 | 9 | 7 | | | | (d) Other Textiles | 156 | 1,23 | 1,16 | 201 | 3,26 | 3,06 | | | 5. | Paper, Paper Products & Printing | 47 | 80 | 87 | 39 | 1,64 | 2,05 | | | 6. | Leather & Leather Products | 14 | 59 | 61 | 18 | 22 | 21 | | | 7. | Rubber & Rubber Products | 5 | 7 | 9 | 14 | 57 | 59 | | | 8. | Chemicals & Chemical Products | 41 | 2,25 | 2,30 | 77 | 21,98 | 11,34 | | | | (a) Heavy Industrial Chemicals | - | - | - | - | - | - | | | | (b) Fertilisers | - | - | - | - | - | - | | | | (c) Drugs & Pharmaceuticals | 7 | 96 | 1,04 | 19 | 54 | 53 | | | | (d) Non-Edible Oils | 1 | 1 | 2 | 1 | 1 | 1 | | | | (e) Other Chemicals & Chemical Products | 33 | 1,28 | 1,25 | 57 | 21,42 | 10,79 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 4 | 3 | 2 | 4 | 3 | - | | | 10. | Manufacture of Cement & Cement Products | 42 | 1,96 | 1,82 | 23 | 1,86 | 1,78 | | | 11. | Basic Metals & Metal Products | 152 | 1,77 | 1,70 | 207 | 9,56 | 9,23 | | | | (a) Iron & Steel | 14 | 31 | 34 | 41 | 4,72 | 4,03 | | | | (b) Non-Ferrous Metals | 3 | 7 | 7 | 3 | 5 | 4 | | | | (c) Other Metal Products | 135 | 1,39 | 1,30 | 163 | 4,80 | 5,16 | | | 12. | Engineering | 146 | 11,68 | 11,32 | 88 | 1,61 | 1,59 | | | | (a) Heavy Engineering | 2 | 3 | 3 | 10 | 6 | 7 | | | | (b) Light Engineering | 63 | 9,41 | 8,58 | 18 | 19 | 24 | | | | (c) Electrical Machinery & Goods | 57 | 1,73 | 1,57 | 33 | 1,08 | 1,04 | | | | (d) Electronic Machinery & Goods | 24 | 51 | 1,14 | 27 | 28 | 24 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 19 | 27 | 21 | 26 | 31 | 19 | | | 14. | Other Industries | 21,544 | 23,13 | 19,50 | 5,255 | 13,99 | 12,46 | | | 15. | Electricity, Gas & Water | - | - | - | 3 | 3 | 3 | | | | (a) Electricity Generation & Transmission | - | - | - | 2 | 2 | 3 | | | | (b) Non-Conventional Energy | - | - | - | - | - | - | | | | (c) Gas, Steam & Water Supply | - | - | - | 1 | 1 | - | | | 16. | Construction | 77 | 2,02 | 2,17 | 57 | 79 | 73 | III. | TRANSPORT OPERATORS | 7,815 | 52,48 | 39,67 | 1,961 | 28,75 | 21,56 | IV. | PROFESSIONAL AND OTHER SERVICES | 3,983 | 10,17 | 9,01 | 1,287 | 4,50 | 4,75 | V. | PERSONAL LOANS | 23,461 | 60,71 | 55,91 | 8,163 | 36,39 | 31,87 | | | 1. | Loans for Purchase of Consumer Durables | 1,284 | 2,26 | 1,78 | 716 | 1,91 | 1,58 | | | 2. | Loans for Housing | 2,611 | 19,77 | 17,88 | 1,262 | 15,47 | 13,41 | | | 3. | Rest of the Personal Loans | 19,566 | 38,68 | 36,25 | 6,185 | 19,01 | 16,88 | VI. | TRADE | 36,243 | 72,97 | 62,36 | 10,919 | 46,39 | 40,05 | | | 1. | Wholesale Trade | 2,176 | 3,08 | 2,68 | 294 | 3,60 | 2,99 | | | 2. | Retail Trade | 34,067 | 69,89 | 59,68 | 10,625 | 42,78 | 37,06 | VII. | FINANCE | 11 | 31 | 26 | 29 | 81 | 83 | VIII.
| ALL OTHERS
| 7,282
| 13,00
| 12,45
| 2,528
| 6,31
| 5,72
| TOTAL BANK CREDIT | 1,67,636 | 338,54 | 291,54 | 42,419 | 260,69 | 212,79 | OF WHICH: | 1. Artisans & Village Industries | 18,188 | 10,62 | 9,39 | 3,139 | 2,43 | 2,29 |
| 2. Other Small Scale Industries
| 3,335
| 33,89
| 28,94
| 2,461
| 36,48
| 34,94
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| | | | | URBAN
| METROPOLITAN
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | | | | | Accounts
| Limit
| Outstanding
| Accounts
| Limit
| Outstanding
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| 7
| 8
| 9
| 10
| 11
| 12
| I. | AGRICULTURE | 3,195 | 51,64 | 50,18 | - | - | - | | | 1. | Direct Finance | 3,113 | 25,30 | 26,75 | - | - | - | | | 2. | Indirect Finance | 82 | 26,34 | 23,43 | - | - | - | II. | INDUSTRY | 11,559 | 201,84 | 191,42 | - | - | - | | | 1. | Mining & Quarrying | 28 | 2,85 | 4,21 | - | - | - | | | 2. | Food Manufacturing & Processing | 413 | 28,27 | 20,97 | - | - | - | | | | (a) Rice Mills, Flour & Dal Mills | 115 | 12,55 | 9,91 | - | - | - | | | | (b) Sugar | 1 | 1 | 1 | - | - | - | | | | (c) Edible Oils & Vanaspati | 60 | 3,47 | 2,99 | - | - | - | | | | (d) Tea Processing | 2 | 4 | 7 | - | - | - | | | | (e) Processing of Fruits & Vegetables | 25 | 40 | 34 | - | - | - | | | | (f) Others | 210 | 11,80 | 7,66 | - | - | - | | | 3. | Beverage & Tobacco | 53 | 8,01 | 6,22 | - | - | - | | | 4. | Textiles | 1,453 | 29,95 | 29,58 | - | - | - | | | | (a) Cotton Textiles | 35 | 3,22 | 2,84 | - | - | - | | | | (b) Jute Textiles | 4 | 17 | 20 | - | - | - | | | | (c) Handloom Textiles & Khadi | 100 | 93 | 93 | - | - | - | | | | (d) Other Textiles | 1,314 | 25,63 | 25,62 | - | - | - | | | 5. | Paper, Paper Products & Printing | 215 | 6,20 | 5,55 | - | - | - | | | 6. | Leather & Leather Products | 267 | 3,99 | 3,76 | - | - | - | | | 7. | Rubber & Rubber Products | 19 | 1,28 | 1,04 | - | - | - | | | 8. | Chemicals & Chemical Products | 227 | 13,92 | 16,39 | - | - | - | | | | (a) Heavy Industrial Chemicals | 11 | 83 | 1,06 | - | - | - | | | | (b) Fertilisers | 1 | 4 | 19 | - | - | - | | | | (c) Drugs & Pharmaceuticals | 75 | 3,27 | 3,50 | - | - | - | | | | (d) Non-Edible Oils | - | - | - | - | - | - | | | | (e) Other Chemicals & Chemical Products | 140 | 9,78 | 11,65 | - | - | - | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 188 | 3,45 | 3,11 | - | - | - | | | 10. | Manufacture of Cement & Cement Products | 42 | 5,87 | 4,56 | - | - | - | | | 11. | Basic Metals & Metal Products | 323 | 24,22 | 30,55 | - | - | - | | | | (a) Iron & Steel | 61 | 14,36 | 21,73 | - | - | - | | | | (b) Non-Ferrous Metals | 7 | 22 | 22 | - | - | - | | | | (c) Other Metal Products | 255 | 9,65 | 8,59 | - | - | - | | | 12. | Engineering | 336 | 8,33 | 7,12 | - | - | - | | | | (a) Heavy Engineering | 8 | 44 | 30 | - | - | - | | | | (b) Light Engineering | 62 | 2,02 | 1,54 | - | - | - | | | | (c) Electrical Machinery & Goods | 184 | 4,86 | 4,24 | - | - | - | | | | (d) Electronic Machinery & Goods | 82 | 1,02 | 1,04 | - | - | - | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 116 | 6,71 | 5,66 | - | - | - | | | 14. | Other Industries | 7,717 | 49,44 | 43,19 | - | - | - | | | 15. | Electricity, Gas & Water | 23 | 1,01 | 87 | - | - | - | | | | (a) Electricity Generation & Transmission | 17 | 87 | 77 | - | - | - | | | | (b) Non-Conventional Energy | - | - | - | - | - | - | | | | (c) Gas, Steam & Water Supply | 6 | 14 | 10 | - | - | - | | | 16. | Construction | 139 | 8,34 | 8,63 | - | - | - | III. | TRANSPORT OPERATORS | 3,240 | 68,20 | 54,62 | - | - | - | IV. | PROFESSIONAL AND OTHER SERVICES | 7,278 | 995,91 | 985,85 | - | - | - | V. | PERSONAL LOANS | 24,894 | 114,02 | 100,03 | - | - | - | | | 1. | Loans for Purchase of Consumer Durables | 3,571 | 8,15 | 6,48 | - | - | - | | | 2. | Loans for Housing | 3,798 | 44,78 | 39,01 | - | - | - | | | 3. | Rest of the Personal Loans | 17,525 | 61,09 | 54,55 | - | - | - | VI. | TRADE | 16,149 | 155,96 | 141,25 | - | - | - | | | 1. | Wholesale Trade | 2,183 | 59,89 | 54,40 | - | - | - | | | 2. | Retail Trade | 13,966 | 96,07 | 86,85 | - | - | - | VII. | FINANCE | 89 | 7,84 | 6,92 | - | - | - | VIII.
| ALL OTHERS
| 5,543
| 36,52
| 31,95
| -
| -
| -
| TOTAL BANK CREDIT | 71,947 | 1631,95 | 1562,21 | - | - | - | OF WHICH: | 1. Artisans & Village Industries | 3,723 | 10,33 | 10,48 | - | - | - |
| 2. Other Small Scale Industries
| 4,293
| 89,51
| 81,26
| -
| -
| -
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