| NORTHERN REGION | Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1999 |
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| (Amount in Rupees Lakh)
| | | | | | STATE BANK OF INDIA | NATIONALISED BANKS | | | | | | AND ITS ASSOCIATES
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| | | | | | No. of | Credit | Amount | No. of | Credit | Amount | OCCUPATION | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | |
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| I. | AGRICULTURE | 78,472 | 526,04 | 440,37 | 1,63,631 | 914,77 | 786,21 | | | 1. | Direct Finance | 77,183 | 491,28 | 413,97 | 1,62,005 | 834,21 | 726,38 | | | 2. | Indirect Finance | 1,289 | 34,76 | 26,40 | 1,626 | 80,56 | 59,83 | II. | INDUSTRY | 40,934 | 1228,91 | 993,51 | 46,503 | 2993,95 | 2478,80 | | | 1. | Mining & Quarrying | 12 | 55 | 29 | 167 | 53,61 | 44,26 | | | 2. | Food Manufacturing & Processing | 638 | 262,17 | 212,40 | 1,523 | 653,13 | 546,35 | | | | (a) | Rice Mills, Flour & Dal Mills | 487 | 200,68 | 158,09 | 1,094 | 526,99 | 454,76 | | | | (b) | Sugar | 6 | 30,47 | 29,25 | 4 | 14,26 | 1,72 | | | | (c) | Edible Oils & Vanaspati | 43 | 11,03 | 10,15 | 143 | 46,86 | 41,27 | | | | (d) | Tea Processing | 1 | 3 | 3 | 2 | 12 | 11 | | | | (e) | Processing of Fruits & Vegetables | 13 | 74 | 70 | 16 | 1,56 | 68 | | | | (f) | Others | 88 | 19,22 | 14,18 | 264 | 63,34 | 47,80 | | | 3. | Beverage & Tobacco | 3 | 1,56 | 1,62 | 31 | 7,46 | 7,04 | | | 4. | Textiles | 1,778 | 233,18 | 182,04 | 3,443 | 541,25 | 445,98 | | | | (a) | Cotton Textiles | 358 | 87,52 | 71,02 | 1,047 | 206,71 | 169,30 | | | | (b) | Jute Textiles | 12 | 4,31 | 5,20 | 10 | 1,25 | 1,01 | | | | (c) | Handloom Textiles & Khadi | 782 | 71,54 | 46,81 | 1,091 | 123,01 | 97,68 | | | | (d) | Other Textiles | 626 | 69,81 | 59,01 | 1,295 | 210,28 | 178,00 | | | 5. | Paper, Paper Products & Printing | 122 | 4,54 | 3,13 | 406 | 87,61 | 85,06 | | | 6. | Leather & Leather Products | 37 | 11,16 | 5,63 | 130 | 62,36 | 56,90 | | | 7. | Rubber & Rubber Products | 129 | 9,52 | 4,26 | 370 | 74,01 | 66,46 | | | 8. | Chemicals & Chemical Products | 360 | 55,87 | 55,70 | 1,045 | 261,74 | 213,07 | | | | (a) | Heavy Industrial Chemicals | 16 | 1,56 | 1,13 | 48 | 23,99 | 22,77 | | | | (b) | Fertilisers | 13 | 5,37 | 4,17 | 9 | 2,49 | 1,07 | | | | (c) | Drugs & Pharmaceuticals | 76 | 13,02 | 14,19 | 203 | 54,50 | 56,76 | | | | (d) | Non-Edible Oils | 47 | 3,01 | 2,31 | 19 | 4,66 | 1,83 | | | | (e) | Other Chemicals & Chemical Products | 208 | 32,91 | 33,91 | 766 | 176,11 | 130,63 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 29 | 2,48 | 53 | 23 | 5,43 | 2,32 | | | 10. | Manufacture of Cement & Cement Products | 50 | 3,66 | 2,76 | 76 | 20,62 | 18,02 | | | 11. | Basic Metals & Metal Products | 721 | 273,16 | 220,29 | 1,807 | 357,58 | 323,34 | | | | (a) | Iron & Steel | 203 | 211,28 | 175,29 | 581 | 253,72 | 239,09 | | | | (b) | Non-Ferrous Metals | 17 | 8,86 | 8,48 | 138 | 17,30 | 15,39 | | | | (c) | Other Metal Products | 501 | 53,03 | 36,52 | 1,088 | 86,55 | 68,86 | | | 12. | Engineering | 750 | 107,20 | 79,85 | 1,920 | 304,94 | 222,42 | | | | (a) | Heavy Engineering | 56 | 6,85 | 3,11 | 199 | 53,66 | 44,04 | | | | (b) | Light Engineering | 512 | 59,62 | 44,94 | 1,185 | 131,28 | 62,41 | | | | (c) | Electrical Machinery & Goods | 141 | 30,68 | 21,73 | 449 | 29,60 | 24,93 | | | | (d) | Electronic Machinery & Goods | 41 | 10,04 | 10,06 | 87 | 90,39 | 91,03 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 531 | 49,47 | 35,22 | 800 | 144,16 | 97,15 | | | 14. | Other Industries | 35,517 | 140,59 | 116,93 | 33,445 | 372,27 | 306,15 | | | 15. | Electricity, Gas & Water | 13 | 69,15 | 67,80 | 24 | 29,37 | 27,29 | | | | (a) | Electricity Generation & Transmission | 13 | 69,15 | 67,80 | 19 | 28,69 | 26,68 | | | | (b) | Non-Conventional Energy | - | - | - | 1 | 23 | 23 | | | | (c) | Gas, Steam & Water Supply | - | - | - | 4 | 45 | 38 | | | 16. | Construction | 244 | 4,65 | 5,06 | 1,293 | 18,42 | 16,99 | III. | TRANSPORT OPERATORS | 1,758 | 20,54 | 15,04 | 5,660 | 55,56 | 44,16 | IV. | PROFESSIONAL AND OTHER SERVICES | 4,463 | 40,50 | 30,91 | 15,000 | 92,77 | 74,20 | V. | PERSONAL LOANS | 63,926 | 257,24 | 206,34 | 1,20,469 | 584,96 | 515,91 | | | 1. | Loans for Purchase of Consumer Durables | 3,021 | 10,41 | 8,52 | 6,628 | 22,68 | 19,43 | | | 2. | Loans for Housing | 8,991 | 85,65 | 70,50 | 17,433 | 216,52 | 194,89 | | | 3. | Rest of the Personal Loans | 51,914 | 161,18 | 127,32 | 96,408 | 345,77 | 301,59 | VI. | TRADE | 30,766 | 212,85 | 170,30 | 68,290 | 487,13 | 391,69 | | | 1. | Wholesale Trade | 2,047 | 55,65 | 39,25 | 3,758 | 135,55 | 106,92 | | | 2. | Retail Trade | 28,719 | 157,20 | 131,05 | 64,532 | 351,58 | 284,77 | VII. | FINANCE | 32 | 6,57 | 6,39 | 676 | 13,75 | 10,55 | VIII.
| ALL OTHERS
| 8,541
| 94,03
| 77,76
| 40,266
| 273,32
| 238,01
| TOTAL BANK CREDIT | 2,28,892 | 2386,69 | 1940,62 | 4,60,495 | 5416,21 | 4539,52 | OF WHICH: | 1. | Artisans & Village Industries | 2,911 | 23,01 | 18,38 | 9,102 | 43,07 | 37,15 |
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| Other Small Scale Industries
| 16,672
| 551,65
| 421,46
| 30,745
| 1031,73
| 826,48
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| | | | | | FOREIGN BANKS
| REGIONAL RURAL BANKS
| | | | | | No. of | Credit | Amount | No. of | Credit | Amount | OCCUPATION | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | |
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| I. | AGRICULTURE | - | - | - | 1,09,471 | 267,92 | 226,37 | | | 1. | Direct Finance | - | - | - | 1,07,017 | 263,25 | 222,33 | | | 2. | Indirect Finance | - | - | - | 2,454 | 4,67 | 4,04 | II. | INDUSTRY | 1,089 | 1038,10 | 629,87 | 14,873 | 16,57 | 12,77 | | | 1. | Mining & Quarrying | - | - | - | 1 | 4 | 3 | | | 2. | Food Manufacturing & Processing | 8 | 13,14 | 6,05 | 102 | 52 | 50 | | | | (a) | Rice Mills, Flour & Dal Mills | - | - | - | 9 | 4 | 3 | | | | (b) | Sugar | 3 | 5,90 | 34 | - | - | - | | | | (c) | Edible Oils & Vanaspati | - | - | - | 3 | 10 | 8 | | | | (d) | Tea Processing | - | - | - | - | - | - | | | | (e) | Processing of Fruits & Vegetables | - | - | - | - | - | - | | | | (f) | Others | 5 | 7,24 | 5,71 | 90 | 38 | 38 | | | 3. | Beverage & Tobacco | 23 | 80,82 | 73,24 | - | - | - | | | 4. | Textiles | 7 | 7,41 | 4,82 | 5 | 8 | 3 | | | | (a) | Cotton Textiles | 1 | 37 | 35 | 1 | 5 | 2 | | | | (b) | Jute Textiles | - | - | - | - | - | - | | | | (c) | Handloom Textiles & Khadi | - | - | - | - | - | - | | | | (d) | Other Textiles | 6 | 7,04 | 4,47 | 4 | 3 | 2 | | | 5. | Paper, Paper Products & Printing | 16 | 24,41 | 14,43 | 6 | 18 | 14 | | | 6. | Leather & Leather Products | - | - | - | 1 | 1 | - | | | 7. | Rubber & Rubber Products | 16 | 83,70 | 22,38 | 1 | 1 | 1 | | | 8. | Chemicals & Chemical Products | 22 | 123,17 | 55,25 | 2 | 1 | 1 | | | | (a) | Heavy Industrial Chemicals | - | - | - | - | - | - | | | | (b) | Fertilisers | - | - | - | - | - | - | | | | (c) | Drugs & Pharmaceuticals | 6 | 63,27 | 6,10 | - | - | - | | | | (d) | Non-Edible Oils | - | - | - | - | - | - | | | | (e) | Other Chemicals & Chemical Products | 16 | 59,90 | 49,15 | 2 | 1 | 1 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 1 | 5,00 | 2,10 | - | - | - | | | 10. | Manufacture of Cement & Cement Products | - | - | - | 1 | 5 | 5 | | | 11. | Basic Metals & Metal Products | 34 | 48,59 | 27,52 | 12 | 12 | 9 | | | | (a) | Iron & Steel | 9 | 23,63 | 10,04 | - | - | - | | | | (b) | Non-Ferrous Metals | 3 | 9,70 | 3,49 | - | - | - | | | | (c) | Other Metal Products | 22 | 15,26 | 13,99 | 12 | 12 | 9 | | | 12. | Engineering | 108 | 300,12 | 197,45 | 16 | 18 | 16 | | | | (a) | Heavy Engineering | 34 | 68,50 | 43,75 | - | - | - | | | | (b) | Light Engineering | 51 | 204,26 | 133,24 | 12 | 12 | 10 | | | | (c) | Electrical Machinery & Goods | 11 | 10,03 | 5,85 | 3 | 4 | 3 | | | | (d) | Electronic Machinery & Goods | 12 | 17,32 | 14,62 | 1 | 2 | 3 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 73 | 183,47 | 92,55 | 48 | 35 | 26 | | | 14. | Other Industries | 776 | 123,40 | 95,09 | 14,675 | 14,92 | 11,43 | | | 15. | Electricity, Gas & Water | 1 | 2,00 | 2,87 | 2 | 7 | 4 | | | | (a) | Electricity Generation & Transmission | 1 | 2,00 | 2,87 | 1 | 3 | - | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | - | - | - | 1 | 5 | 4 | | | 16. | Construction | 4 | 42,88 | 36,12 | 1 | 3 | 3 | III. | TRANSPORT OPERATORS | 1 | 35 | 18 | 12,224 | 26,21 | 17,44 | IV. | PROFESSIONAL AND OTHER SERVICES | 20 | 45,11 | 28,83 | 1,253 | 2,21 | 1,60 | V. | PERSONAL LOANS | 134 | 3,76 | 3,53 | 37,916 | 86,68 | 74,54 | | | 1. | Loans for Purchase of Consumer Durables | 69 | 2,73 | 2,60 | 5,914 | 15,41 | 12,84 | | | 2. | Loans for Housing | 10 | 78 | 70 | 3,208 | 10,17 | 9,33 | | | 3. | Rest of the Personal Loans | 55 | 25 | 23 | 28,794 | 61,10 | 52,37 | VI. | TRADE | 6 | 9,02 | 7,99 | 44,652 | 51,90 | 43,02 | | | 1. | Wholesale Trade | 2 | 8,92 | 7,88 | 4,523 | 4,55 | 2,98 | | | 2. | Retail Trade | 4 | 10 | 11 | 40,129 | 47,35 | 40,04 | VII. | FINANCE | 1 | 50,00 | 50,00 | 7 | 6 | 5 | VIII.
| ALL OTHERS
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| 1,39
| 7,743
| 8,14
| 5,87
| TOTAL BANK CREDIT | 1,262 | 1148,75 | 721,79 | 2,28,139 | 459,70 | 381,66 | OF WHICH: | 1. | Artisans & Village Industries | - | - | - | 13,224 | 12,74 | 9,71 |
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| Other Small Scale Industries
| 41
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| 9,84
| 1,213
| 1,99
| 1,58
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| | | | | | OTHER SCHEDULED | ALL SCHEDULED | | | | | | COMMERCIAL BANKS
| COMMERCIAL BANKS
| | | | | | No. of | Credit | Amount | No. of | Credit | Amount | OCCUPATION | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | |
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| I. | AGRICULTURE | 394 | 15,32 | 14,91 | 3,51,968 | 1724,05 | 1467,86 | | | 1. | Direct Finance | 385 | 7,07 | 6,46 | 3,46,590 | 1595,81 | 1369,15 | | | 2. | Indirect Finance | 9 | 8,25 | 8,45 | 5,378 | 128,24 | 98,71 | II. | INDUSTRY | 716 | 200,32 | 169,85 | 1,04,115 | 5477,86 | 4284,81 | | | 1. | Mining & Quarrying | 2 | 18 | 18 | 182 | 54,39 | 44,75 | | | 2. | Food Manufacturing & Processing | 11 | 2,91 | 2,45 | 2,282 | 931,87 | 767,75 | | | | (a) | Rice Mills, Flour & Dal Mills | 7 | 61 | 59 | 1,597 | 728,32 | 613,47 | | | | (b) | Sugar | 1 | 1,00 | 1,05 | 14 | 51,62 | 32,36 | | | | (c) | Edible Oils & Vanaspati | 2 | 1,17 | 70 | 191 | 59,17 | 52,20 | | | | (d) | Tea Processing | - | - | - | 3 | 15 | 14 | | | | (e) | Processing of Fruits & Vegetables | - | - | - | 29 | 2,30 | 1,38 | | | | (f) | Others | 1 | 13 | 12 | 448 | 90,31 | 68,19 | | | 3. | Beverage & Tobacco | 1 | 2 | 2 | 58 | 89,87 | 81,92 | | | 4. | Textiles | 66 | 14,78 | 11,08 | 5,299 | 796,70 | 643,95 | | | | (a) | Cotton Textiles | 11 | 3,93 | 3,71 | 1,418 | 298,58 | 244,40 | | | | (b) | Jute Textiles | - | - | - | 22 | 5,57 | 6,21 | | | | (c) | Handloom Textiles & Khadi | 28 | 82 | 68 | 1,901 | 195,36 | 145,17 | | | | (d) | Other Textiles | 27 | 10,03 | 6,68 | 1,958 | 297,19 | 248,17 | | | 5. | Paper, Paper Products & Printing | 44 | 14,26 | 12,53 | 594 | 131,01 | 115,29 | | | 6. | Leather & Leather Products | 5 | 1,04 | 74 | 173 | 74,56 | 63,28 | | | 7. | Rubber & Rubber Products | 9 | 3,47 | 2,63 | 525 | 170,71 | 95,73 | | | 8. | Chemicals & Chemical Products | 51 | 25,55 | 23,08 | 1,480 | 466,33 | 347,11 | | | | (a) | Heavy Industrial Chemicals | - | - | - | 64 | 25,55 | 23,90 | | | | (b) | Fertilisers | - | - | - | 22 | 7,86 | 5,24 | | | | (c) | Drugs & Pharmaceuticals | 23 | 14,62 | 14,77 | 308 | 145,41 | 91,82 | | | | (d) | Non-Edible Oils | - | - | - | 66 | 7,66 | 4,15 | | | | (e) | Other Chemicals & Chemical Products | 28 | 10,93 | 8,32 | 1,020 | 279,86 | 222,01 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | 53 | 12,91 | 4,95 | | | 10. | Manufacture of Cement & Cement Products | 26 | 4,04 | 3,12 | 153 | 28,37 | 23,95 | | | 11. | Basic Metals & Metal Products | 96 | 39,30 | 36,97 | 2,670 | 718,75 | 608,20 | | | | (a) | Iron & Steel | 44 | 38,04 | 35,84 | 837 | 526,67 | 460,26 | | | | (b) | Non-Ferrous Metals | - | - | - | 158 | 35,86 | 27,36 | | | | (c) | Other Metal Products | 52 | 1,26 | 1,13 | 1,675 | 156,22 | 120,58 | | | 12. | Engineering | 128 | 45,03 | 38,22 | 2,922 | 757,47 | 538,10 | | | | (a) | Heavy Engineering | 2 | 1,87 | 1,81 | 291 | 130,89 | 92,72 | | | | (b) | Light Engineering | 74 | 14,86 | 9,59 | 1,834 | 410,14 | 250,27 | | | | (c) | Electrical Machinery & Goods | 52 | 28,30 | 26,83 | 656 | 98,66 | 79,37 | | | | (d) | Electronic Machinery & Goods | - | - | - | 141 | 117,77 | 115,74 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 130 | 29,30 | 19,86 | 1,582 | 406,76 | 245,04 | | | 14. | Other Industries | 138 | 4,03 | 3,17 | 84,551 | 655,22 | 532,78 | | | 15. | Electricity, Gas & Water | - | - | - | 40 | 100,59 | 98,01 | | | | (a) | Electricity Generation & Transmission | - | - | - | 34 | 99,87 | 97,36 | | | | (b) | Non-Conventional Energy | - | - | - | 1 | 23 | 23 | | | | (c) | Gas, Steam & Water Supply | - | - | - | 5 | 50 | 43 | | | 16. | Construction | 9 | 16,39 | 15,79 | 1,551 | 82,37 | 73,98 | III. | TRANSPORT OPERATORS | 47 | 1,28 | 81 | 19,690 | 103,94 | 77,64 | IV. | PROFESSIONAL AND OTHER SERVICES | 148 | 11,77 | 8,36 | 20,884 | 192,36 | 143,91 | V. | PERSONAL LOANS | 2,707 | 17,31 | 14,08 | 2,25,152 | 949,95 | 814,39 | | | 1. | Loans for Purchase of Consumer Durables | 151 | 71 | 58 | 15,783 | 51,94 | 43,97 | | | 2. | Loans for Housing | 115 | 1,88 | 1,73 | 29,757 | 315,00 | 277,14 | | | 3. | Rest of the Personal Loans | 2,441 | 14,72 | 11,77 | 1,79,612 | 583,02 | 493,28 | VI. | TRADE | 833 | 26,37 | 20,67 | 1,44,547 | 787,28 | 633,67 | | | 1. | Wholesale Trade | 172 | 11,00 | 8,63 | 10,502 | 215,66 | 165,66 | | | 2. | Retail Trade | 661 | 15,38 | 12,05 | 1,34,045 | 571,62 | 468,01 | VII. | FINANCE | 315 | 1,68 | 1,48 | 1,031 | 72,06 | 68,47 | VIII.
| ALL OTHERS
| 959
| 6,49
| 5,49
| 57,520
| 384,38
| 328,51
| TOTAL BANK CREDIT | 6,119 | 280,53 | 235,67 | 9,24,907 | 9691,88 | 7819,26 | OF WHICH: | 1. | Artisans & Village Industries | 20 | 7 | 6 | 25,257 | 78,89 | 65,29 |
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| Other Small Scale Industries
| 327
| 37,38
| 31,49
| 48,998
| 1637,75
| 1290,85
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