| 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 : PUNJAB
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| (Amount in Rupees Lakh)
| | | | | RURAL
| SEMI-URBAN
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount |
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| Accounts
| Limit
| Outstanding
| Accounts
| Limit
| Outstanding
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| 1
| 2
| 3
| 4
| 5
| 6
| I. | AGRICULTURE | 3,28,572 | 1170,00 | 943,12 | 1,43,161 | 682,04 | 552,15 | | | 1. | Direct Finance | 3,22,819 | 1057,52 | 883,98 | 1,39,226 | 561,05 | 472,77 | | | 2. | Indirect Finance | 5,753 | 112,49 | 59,15 | 3,935 | 121,00 | 79,38 | II. | INDUSTRY | 34,887 | 537,62 | 435,25 | 26,715 | 1092,53 | 909,90 | | | 1. | Mining & Quarrying | 170 | 2,33 | 1,97 | 37 | 3,56 | 2,24 | | | 2. | Food Manufacturing & Processing | 766 | 93,00 | 64,69 | 1,854 | 266,03 | 205,60 | | | | (a) Rice Mills, Flour & Dal Mills | 512 | 50,43 | 36,35 | 1,025 | 185,78 | 140,72 | | | | (b) Sugar | 4 | 12,11 | 2,70 | 16 | 11,43 | 11,33 | | | | (c) Edible Oils & Vanaspati | 42 | 2,54 | 2,13 | 489 | 36,35 | 25,53 | | | | (d) Tea Processing | 3 | 13,49 | 13,29 | 3 | 17 | 15 | | | | (e) Processing of Fruits & Vegetables | 5 | 29 | 30 | 8 | 82 | 58 | | | | (f) Others | 200 | 14,14 | 9,92 | 313 | 31,48 | 27,28 | | | 3. | Beverage & Tobacco | 21 | 5,22 | 5,14 | 39 | 2,29 | 1,63 | | | 4. | Textiles | 460 | 84,53 | 73,94 | 782 | 183,18 | 149,63 | | | | (a) Cotton Textiles | 117 | 58,22 | 51,61 | 288 | 137,95 | 105,71 | | | | (b) Jute Textiles | 1 | - | - | 8 | 99 | 5 | | | | (c) Handloom Textiles & Khadi | 53 | 61 | 56 | 64 | 3,47 | 3,11 | | | | (d) Other Textiles | 289 | 25,69 | 21,77 | 422 | 40,76 | 40,77 | | | 5. | Paper, Paper Products & Printing | 117 | 8,92 | 8,19 | 389 | 20,24 | 18,02 | | | 6. | Leather & Leather Products | 58 | 75 | 61 | 85 | 1,71 | 1,55 | | | 7. | Rubber & Rubber Products | 87 | 2,43 | 1,81 | 203 | 12,86 | 6,99 | | | 8. | Chemicals & Chemical Products | 297 | 102,37 | 75,62 | 625 | 80,20 | 68,74 | | | | (a) Heavy Industrial Chemicals | 15 | 8,69 | 6,91 | 24 | 20,39 | 17,92 | | | | (b) Fertilisers | 59 | 7,98 | 8,38 | 22 | 17,23 | 15,29 | | | | (c) Drugs & Pharmaceuticals | 53 | 64,66 | 49,98 | 67 | 12,14 | 11,72 | | | | (d) Non-Edible Oils | 7 | 1,30 | 97 | 32 | 2,65 | 2,36 | | | | (e) Other Chemicals & Chemical Products | 163 | 19,73 | 9,37 | 480 | 27,80 | 21,44 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 17 | 31 | 29 | 81 | 2,64 | 2,19 | | | 10. | Manufacture of Cement & Cement Products | 32 | 19,80 | 16,33 | 50 | 2,27 | 1,76 | | | 11. | Basic Metals & Metal Products | 624 | 25,88 | 26,86 | 2,333 | 242,53 | 211,70 | | | | (a) Iron & Steel | 127 | 10,30 | 8,80 | 1,494 | 197,48 | 173,17 | | | | (b) Non-Ferrous Metals | 7 | 14 | 6 | 20 | 49 | 36 | | | | (c) Other Metal Products | 490 | 15,44 | 18,00 | 819 | 44,56 | 38,17 | | | 12. | Engineering | 886 | 61,45 | 54,86 | 1,534 | 99,14 | 84,54 | | | | (a) Heavy Engineering | 52 | 11,15 | 7,51 | 200 | 10,15 | 8,36 | | | | (b) Light Engineering | 593 | 13,58 | 11,93 | 864 | 38,86 | 35,02 | | | | (c) Electrical Machinery & Goods | 136 | 8,85 | 9,39 | 296 | 37,92 | 26,51 | | | | (d) Electronic Machinery & Goods | 105 | 27,87 | 26,04 | 174 | 12,21 | 14,66 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 493 | 43,02 | 28,57 | 697 | 62,77 | 56,57 | | | 14. | Other Industries | 30,770 | 85,27 | 74,42 | 17,879 | 105,64 | 92,34 | | | 15. | Electricity, Gas & Water | 56 | 1,65 | 1,31 | 84 | 4,85 | 4,36 | | | | (a) Electricity Generation & Transmission | 46 | 1,55 | 1,21 | 58 | 2,50 | 2,11 | | | | (b) Non-Conventional Energy | 2 | 5 | 5 | 2 | 20 | 20 | | | | (c) Gas, Steam & Water Supply | 8 | 5 | 5 | 24 | 2,14 | 2,05 | | | 16. | Construction | 33 | 68 | 65 | 43 | 2,61 | 2,04 | III. | TRANSPORT OPERATORS | 16,522 | 64,84 | 49,48 | 7,969 | 53,80 | 38,09 | IV. | PROFESSIONAL AND OTHER SERVICES | 7,425 | 89,67 | 57,92 | 7,891 | 61,97 | 48,10 | V. | PERSONAL LOANS | 78,212 | 333,28 | 285,04 | 84,158 | 379,52 | 320,33 | | | 1. | Loans for Purchase of Consumer Durables | 4,811 | 8,08 | 6,91 | 6,474 | 12,13 | 10,39 | | | 2. | Loans for Housing | 12,839 | 127,34 | 101,75 | 16,599 | 157,54 | 126,17 | | | 3. | Rest of the Personal Loans | 60,562 | 197,86 | 176,37 | 61,085 | 209,85 | 183,77 | VI. | TRADE | 70,305 | 1172,05 | 1147,83 | 55,633 | 356,80 | 298,37 | | | 1. | Wholesale Trade | 4,797 | 1038,61 | 1037,52 | 4,864 | 120,66 | 100,95 | | | 2. | Retail Trade | 65,508 | 133,43 | 110,30 | 50,769 | 236,14 | 197,42 | VII. | FINANCE | 40 | 2,37 | 1,73 | 98 | 5,16 | 3,24 | VIII.
| ALL OTHERS
| 28,970
| 118,55
| 104,37
| 39,938
| 194,93
| 175,66
| TOTAL BANK CREDIT | 5,64,933 | 3488,37 | 3024,74 | 3,65,563 | 2826,75 | 2345,84 | OF WHICH: | 1. Artisans & Village Industries | 17,587 | 21,75 | 18,07 | 5,844 | 25,18 | 21,20 |
| 2. Other Small Scale Industries
| 12,222
| 120,72
| 104,06
| 14,188
| 329,58
| 258,58
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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
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| I. | AGRICULTURE | 33,317 | 288,29 | 247,61 | 3,876 | 47,04 | 41,76 | | | | 1. Direct Finance | 30,962 | 206,71 | 176,59 | 3,701 | 39,53 | 35,32 | | | | 2. Indirect Finance | 2,355 | 81,58 | 71,02 | 175 | 7,51 | 6,45 | II. | INDUSTRY | 28,853 | 1730,62 | 1462,76 | 22,807 | 2566,35 | 2079,02 | | | 1. | Mining & Quarrying | 26 | 1,45 | 75 | 18 | 90 | 81 | | | 2. | Food Manufacturing & Processing | 1,355 | 422,89 | 319,92 | 427 | 83,36 | 83,64 | | | | (a) Rice Mills, Flour & Dal Mills | 835 | 280,66 | 228,22 | 62 | 28,97 | 32,72 | | | | (b) Sugar | 17 | 10,57 | 10,47 | 5 | 16,38 | 22,42 | | | | (c) Edible Oils & Vanaspati | 139 | 48,33 | 39,30 | 18 | 17,80 | 12,90 | | | | (d) Tea Processing | 10 | 40 | 27 | - | - | - | | | | (e) Processing of Fruits & Vegetables | 13 | 2,01 | 2,37 | 6 | 19 | 7 | | | | (f) Others | 341 | 80,92 | 39,29 | 336 | 20,02 | 15,53 | | | 3. | Beverage & Tobacco | 69 | 25,37 | 22,48 | 13 | 1,62 | 70 | | | 4. | Textiles | 2,758 | 425,65 | 410,38 | 7,039 | 1365,19 | 1070,03 | | | | (a) Cotton Textiles | 710 | 209,09 | 217,51 | 852 | 519,75 | 364,32 | | | | (b) Jute Textiles | 22 | 26,36 | 25,72 | 7 | 84 | 68 | | | | (c) Handloom Textiles & Khadi | 57 | 4,61 | 4,52 | 132 | 3,75 | 3,62 | | | | (d) Other Textiles | 1,969 | 185,59 | 162,63 | 6,048 | 840,84 | 701,41 | | | 5. | Paper, Paper Products & Printing | 689 | 63,43 | 57,61 | 309 | 44,57 | 39,41 | | | 6. | Leather & Leather Products | 220 | 14,03 | 11,10 | 30 | 47 | 48 | | | 7. | Rubber & Rubber Products | 914 | 65,24 | 54,98 | 192 | 77,55 | 68,93 | | | 8. | Chemicals & Chemical Products | 943 | 59,44 | 52,49 | 450 | 79,55 | 60,93 | | | | (a) Heavy Industrial Chemicals | 62 | 3,06 | 2,01 | 27 | 7,84 | 7,90 | | | | (b) Fertilisers | 39 | 20,03 | 18,77 | 16 | 2,42 | 2,58 | | | | (c) Drugs & Pharmaceuticals | 178 | 16,85 | 15,62 | 59 | 2,16 | 1,85 | | | | (d) Non-Edible Oils | 11 | 1,09 | 99 | 9 | 92 | 84 | | | | (e) Other Chemicals & Chemical Products | 653 | 18,40 | 15,11 | 339 | 66,21 | 47,75 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 67 | 3,36 | 2,79 | 62 | 18,94 | 17,03 | | | 10. | Manufacture of Cement & Cement Products | 29 | 84 | 68 | 4 | 49 | 52 | | | 11. | Basic Metals & Metal Products | 5,363 | 282,27 | 240,14 | 1,406 | 204,97 | 172,56 | | | | (a) Iron & Steel | 1,541 | 78,55 | 71,89 | 786 | 155,50 | 129,20 | | | | (b) Non-Ferrous Metals | 109 | 11,61 | 10,35 | 23 | 3,73 | 3,42 | | | | (c) Other Metal Products | 3,713 | 192,11 | 157,89 | 597 | 45,74 | 39,94 | | | 12. | Engineering | 2,337 | 95,03 | 76,06 | 1,901 | 194,45 | 155,49 | | | | (a) Heavy Engineering | 157 | 12,07 | 8,36 | 325 | 19,56 | 18,58 | | | | (b) Light Engineering | 1,581 | 45,63 | 39,72 | 1,385 | 106,36 | 74,49 | | | | (c) Electrical Machinery & Goods | 433 | 29,88 | 24,85 | 145 | 60,32 | 58,37 | | | | (d) Electronic Machinery & Goods | 166 | 7,45 | 3,13 | 46 | 8,22 | 4,06 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 482 | 26,50 | 19,71 | 3,140 | 365,47 | 297,38 | | | 14. | Other Industries | 13,415 | 229,58 | 186,02 | 7,768 | 123,95 | 106,95 | | | 15. | Electricity, Gas & Water | 93 | 10,87 | 3,30 | 29 | 1,45 | 1,18 | | | | (a) Electricity Generation & Transmission | 81 | 10,41 | 2,84 | 25 | 1,33 | 1,06 | | | | (b) Non-Conventional Energy | 4 | 4 | 8 | - | - | - | | | | (c) Gas, Steam & Water Supply | 8 | 42 | 38 | 4 | 12 | 11 | | | 16. | Construction | 93 | 4,66 | 4,35 | 19 | 3,43 | 2,97 | III. | TRANSPORT OPERATORS | 4,075 | 68,02 | 46,97 | 367 | 7,89 | 6,26 | IV. | PROFESSIONAL AND OTHER SERVICES | 8,119 | 72,21 | 55,84 | 2,187 | 64,19 | 57,53 | V. | PERSONAL LOANS | 94,401 | 428,24 | 364,42 | 23,900 | 143,21 | 132,88 | | | 1. | Loans for Purchase of Consumer Durables | 7,306 | 15,83 | 13,89 | 1,726 | 5,85 | 5,03 | | | 2. | Loans for Housing | 17,291 | 157,62 | 138,09 | 4,369 | 50,89 | 46,58 | | | 3. | Rest of the Personal Loans | 69,804 | 254,78 | 212,44 | 17,805 | 86,47 | 81,27 | VI. | TRADE | 39,187 | 468,69 | 349,72 | 9,432 | 192,95 | 151,37 | | | 1. | Wholesale Trade | 5,254 | 198,26 | 162,41 | 4,231 | 124,50 | 91,61 | | | 2. | Retail Trade | 33,933 | 270,43 | 187,30 | 5,201 | 68,44 | 59,77 | VII. | FINANCE | 224 | 26,77 | 22,40 | 30 | 2,92 | 2,82 | VIII.
| ALL OTHERS
| 35,721
| 278,49
| 256,04
| 10,819
| 213,27
| 195,65
| TOTAL BANK CREDIT | 2,43,897 | 3361,34 | 2805,77 | 73,418 | 3237,81 | 2667,29 | OF WHICH: | 1. Artisans & Village Industries | 2,571 | 15,24 | 13,14 | 603 | 19,63 | 16,80 |
| 2. Other Small Scale Industries
| 18,573
| 672,23
| 541,98
| 16,304
| 1057,10
| 844,04
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