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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| | | | | | 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 | 26,262 | 61,28 | 49,69 | 45,841 | 105,91 | 83,86 | | | 1. | Direct Finance | 25,914 | 58,21 | 47,14 | 45,619 | 95,09 | 73,72 | | | 2. | Indirect Finance | 348 | 3,07 | 2,55 | 222 | 10,82 | 10,14 | II. | INDUSTRY | 12,234 | 142,69 | 113,64 | 16,969 | 320,59 | 288,46 | | | 1. | Mining & Quarrying | 16 | 63 | 53 | 46 | 3,70 | 3,22 | | | 2. | Food Manufacturing & Processing | 78 | 20,06 | 16,31 | 191 | 13,03 | 11,48 | | | | (a) | Rice Mills, Flour & Dal Mills | 36 | 4,59 | 3,00 | 87 | 6,74 | 5,72 | | | | (b) | Sugar | - | - | - | 1 | 3 | 3 | | | | (c) | Edible Oils & Vanaspati | 4 | 2,84 | 2,06 | 27 | 4,29 | 3,96 | | | | (d) | Tea Processing | 2 | 13 | 11 | - | - | - | | | | (e) | Processing of Fruits & Vegetables | 13 | 7,74 | 7,07 | 1 | 12 | 12 | | | | (f) | Others | 23 | 4,76 | 4,06 | 75 | 1,85 | 1,65 | | | 3. | Beverage & Tobacco | 2 | 11 | 7 | 13 | 7,11 | 7,15 | | | 4. | Textiles | 77 | 6,97 | 6,37 | 153 | 57,41 | 54,39 | | | | (a) | Cotton Textiles | 15 | 2,72 | 2,93 | 28 | 16,99 | 17,50 | | | | (b) | Jute Textiles | 2 | 14 | 15 | - | - | - | | | | (c) | Handloom Textiles & Khadi | 20 | 52 | 40 | 33 | 6,26 | 6,04 | | | | (d) | Other Textiles | 40 | 3,59 | 2,89 | 92 | 34,15 | 30,86 | | | 5. | Paper, Paper Products & Printing | 58 | 3,60 | 3,35 | 126 | 10,67 | 10,61 | | | 6. | Leather & Leather Products | 12 | 34 | 29 | 13 | 74 | 69 | | | 7. | Rubber & Rubber Products | 15 | 1,00 | 73 | 52 | 2,34 | 1,99 | | | 8. | Chemicals & Chemical Products | 72 | 6,97 | 5,61 | 179 | 36,23 | 31,77 | | | | (a) | Heavy Industrial Chemicals | 1 | 5 | 4 | 13 | 10,52 | 9,06 | | | | (b) | Fertilisers | - | - | - | 7 | 1,73 | 1,64 | | | | (c) | Drugs & Pharmaceuticals | 28 | 1,79 | 1,46 | 25 | 2,38 | 1,75 | | | | (d) | Non-Edible Oils | 2 | 5 | 5 | 4 | 22 | 10 | | | | (e) | Other Chemicals & Chemical Products | 41 | 5,08 | 4,05 | 130 | 21,38 | 19,22 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 4 | 11,28 | 1,53 | 4 | 1,11 | 1,11 | | | 10. | Manufacture of Cement & Cement Products | 18 | 1,58 | 1,38 | 37 | 2,68 | 2,49 | | | 11. | Basic Metals & Metal Products | 69 | 4,22 | 3,19 | 244 | 57,78 | 49,84 | | | | (a) | Iron & Steel | 19 | 2,47 | 1,96 | 104 | 26,85 | 27,25 | | | | (b) | Non-Ferrous Metals | - | - | - | 18 | 3,87 | 2,67 | | | | (c) | Other Metal Products | 50 | 1,75 | 1,22 | 122 | 27,06 | 19,92 | | | 12. | Engineering | 100 | 20,13 | 16,81 | 186 | 33,05 | 32,26 | | | | (a) | Heavy Engineering | 11 | 1,80 | 1,48 | 4 | 18 | 16 | | | | (b) | Light Engineering | 38 | 2,94 | 2,52 | 58 | 19,46 | 19,13 | | | | (c) | Electrical Machinery & Goods | 31 | 8,21 | 6,99 | 95 | 2,57 | 2,33 | | | | (d) | Electronic Machinery & Goods | 20 | 7,18 | 5,82 | 29 | 10,84 | 10,63 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 20 | 4,66 | 4,52 | 85 | 15,20 | 14,68 | | | 14. | Other Industries | 11,607 | 52,81 | 47,09 | 14,722 | 56,48 | 48,51 | | | 15. | Electricity, Gas & Water | 4 | 7,74 | 5,35 | 17 | 11,10 | 7,22 | | | | (a) | Electricity Generation & Transmission | 4 | 7,74 | 5,35 | 14 | 10,88 | 7,07 | | | | (b) | Non-Conventional Energy | - | - | - | 1 | 15 | 10 | | | | (c) | Gas, Steam & Water Supply | - | - | - | 2 | 8 | 5 | | | 16. | Construction | 82 | 60 | 51 | 901 | 11,96 | 11,06 | III. | TRANSPORT OPERATORS | 8,967 | 77,95 | 55,16 | 4,868 | 108,42 | 72,57 | IV. | PROFESSIONAL AND OTHER SERVICES | 706 | 14,12 | 10,78 | 5,334 | 20,89 | 17,28 | V. | PERSONAL LOANS | 40,748 | 122,30 | 101,13 | 41,604 | 153,55 | 130,30 | | | 1. | Loans for Purchase of Consumer Durables | 10,522 | 25,58 | 23,04 | 3,482 | 9,06 | 7,30 | | | 2. | Loans for Housing | 2,904 | 27,22 | 22,42 | 4,910 | 54,40 | 47,16 | | | 3. | Rest of the Personal Loans | 27,322 | 69,51 | 55,68 | 33,212 | 90,08 | 75,84 | VI. | TRADE | 46,796 | 131,16 | 109,42 | 23,584 | 121,12 | 94,26 | | | 1. | Wholesale Trade | 669 | 14,13 | 10,52 | 734 | 16,81 | 13,42 | | | 2. | Retail Trade | 46,127 | 117,03 | 98,90 | 22,850 | 104,32 | 80,84 | VII. | FINANCE | 57 | 1,59 | 1,20 | 314 | 6,13 | 1,92 | VIII.
| ALL OTHERS
| 3,157
| 11,52
| 9,26
| 14,727
| 83,22
| 66,50
| TOTAL BANK CREDIT | 1,38,927 | 562,61 | 450,29 | 1,53,241 | 919,84 | 755,14 | OF WHICH: | 1. | Artisans & Village Industries | 6,279 | 13,85 | 11,94 | 9,490 | 18,60 | 14,77 |
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| Other Small Scale Industries
| 3,796
| 62,04
| 51,41
| 6,033
| 91,98
| 83,34
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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 | - | - | - | 14,895 | 15,96 | 12,62 | | | 1. | Direct Finance | - | - | - | 14,240 | 14,99 | 11,79 | | | 2. | Indirect Finance | - | - | - | 655 | 97 | 83 | II. | INDUSTRY | 18 | 110,63 | 87,94 | 3,710 | 5,43 | 4,26 | | | 1. | Mining & Quarrying | - | - | - | - | - | - | | | 2. | Food Manufacturing & Processing | - | - | - | 28 | 63 | 57 | | | | (a) | Rice Mills, Flour & Dal Mills | - | - | - | 24 | 58 | 51 | | | | (b) | Sugar | - | - | - | - | - | - | | | | (c) | Edible Oils & Vanaspati | - | - | - | - | - | - | | | | (d) | Tea Processing | - | - | - | - | - | - | | | | (e) | Processing of Fruits & Vegetables | - | - | - | - | - | - | | | | (f) | Others | - | - | - | 4 | 6 | 5 | | | 3. | Beverage & Tobacco | - | - | - | - | - | - | | | 4. | Textiles | 1 | 3 | 3 | 35 | 60 | 44 | | | | (a) | Cotton Textiles | - | - | - | 14 | 22 | 22 | | | | (b) | Jute Textiles | - | - | - | - | - | - | | | | (c) | Handloom Textiles & Khadi | - | - | - | 11 | 6 | 6 | | | | (d) | Other Textiles | 1 | 3 | 3 | 10 | 31 | 16 | | | 5. | Paper, Paper Products & Printing | - | - | - | 5 | 4 | 2 | | | 6. | Leather & Leather Products | - | - | - | 1 | - | - | | | 7. | Rubber & Rubber Products | - | - | - | - | - | - | | | 8. | Chemicals & Chemical Products | 1 | 8 | - | 1 | - | - | | | | (a) | Heavy Industrial Chemicals | - | - | - | - | - | - | | | | (b) | Fertilisers | - | - | - | - | - | - | | | | (c) | Drugs & Pharmaceuticals | 1 | 8 | - | - | - | - | | | | (d) | Non-Edible Oils | - | - | - | - | - | - | | | | (e) | Other Chemicals & Chemical Products | - | - | - | 1 | - | - | | | 9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | - | - | - | | | 10. | Manufacture of Cement & Cement Products | 2 | 5,60 | 5,36 | - | - | - | | | 11. | Basic Metals & Metal Products | 1 | 79 | 45 | 9 | 5 | 4 | | | | (a) | Iron & Steel | - | - | - | - | - | - | | | | (b) | Non-Ferrous Metals | - | - | - | - | - | - | | | | (c) | Other Metal Products | 1 | 79 | 45 | 9 | 5 | 4 | | | 12. | Engineering | 2 | 95 | 49 | 23 | 14 | 12 | | | | (a) | Heavy Engineering | - | - | - | - | - | - | | | | (b) | Light Engineering | 2 | 95 | 49 | 16 | 11 | 9 | | | | (c) | Electrical Machinery & Goods | - | - | - | 7 | 3 | 3 | | | | (d) | Electronic Machinery & Goods | - | - | - | - | - | - | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 3 | 12,93 | 12,93 | 5 | 12 | 5 | | | 14. | Other Industries | - | - | - | 3,601 | 3,84 | 3,01 | | | 15. | Electricity, Gas & Water | 6 | 90,10 | 68,63 | - | - | - | | | | (a) | Electricity Generation & Transmission | 6 | 90,10 | 68,63 | - | - | - | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | - | - | - | - | - | - | | | 16. | Construction | 2 | 16 | 3 | 2 | 1 | 1 | III. | TRANSPORT OPERATORS | - | - | - | 3,940 | 23,94 | 16,10 | IV. | PROFESSIONAL AND OTHER SERVICES | - | - | - | 1,710 | 3,01 | 2,38 | V. | PERSONAL LOANS | 3 | 17 | 11 | 13,782 | 23,02 | 20,21 | | | 1. | Loans for Purchase of Consumer Durables | 1 | 4 | 5 | 1,027 | 1,70 | 1,36 | | | 2. | Loans for Housing | - | - | - | 806 | 2,97 | 2,67 | | | 3. | Rest of the Personal Loans | 2 | 13 | 7 | 11,949 | 18,36 | 16,18 | VI. | TRADE | 4 | 13 | 7 | 7,193 | 16,03 | 13,53 | | | 1. | Wholesale Trade | 4 | 13 | 7 | 308 | 86 | 65 | | | 2. | Retail Trade | - | - | - | 6,885 | 15,17 | 12,89 | VII. | FINANCE | - | - | - | 3 | 5 | 5 | VIII.
| ALL OTHERS
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| 3,721
| 5,41
| 4,78
| TOTAL BANK CREDIT | 26 | 110,99 | 88,17 | 48,954 | 92,85 | 73,94 | OF WHICH: | 1. | Artisans & Village Industries | - | - | - | 3,170 | 2,89 | 2,32 |
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| Other Small Scale Industries
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| 381
| 1,31
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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 | 5 | 13 | 7 | 87,003 | 183,28 | 146,25 | | | 1. | Direct Finance | 5 | 13 | 7 | 85,778 | 168,42 | 132,72 | | | 2. | Indirect Finance | - | - | - | 1,225 | 14,86 | 13,53 | II. | INDUSTRY | 15 | 20 | 12 | 32,946 | 579,54 | 494,43 | | | 1. | Mining & Quarrying | - | - | - | 62 | 4,34 | 3,75 | | | 2. | Food Manufacturing & Processing | - | - | - | 297 | 33,72 | 28,35 | | | | (a) | Rice Mills, Flour & Dal Mills | - | - | - | 147 | 11,91 | 9,23 | | | | (b) | Sugar | - | - | - | 1 | 3 | 3 | | | | (c) | Edible Oils & Vanaspati | - | - | - | 31 | 7,12 | 6,02 | | | | (d) | Tea Processing | - | - | - | 2 | 13 | 11 | | | | (e) | Processing of Fruits & Vegetables | - | - | - | 14 | 7,86 | 7,19 | | | | (f) | Others | - | - | - | 102 | 6,66 | 5,77 | | | 3. | Beverage & Tobacco | - | - | - | 15 | 7,22 | 7,22 | | | 4. | Textiles | - | - | - | 266 | 65,01 | 61,24 | | | | (a) | Cotton Textiles | - | - | - | 57 | 19,94 | 20,64 | | | | (b) | Jute Textiles | - | - | - | 2 | 14 | 15 | | | | (c) | Handloom Textiles & Khadi | - | - | - | 64 | 6,85 | 6,50 | | | | (d) | Other Textiles | - | - | - | 143 | 38,09 | 33,94 | | | 5. | Paper, Paper Products & Printing | - | - | - | 189 | 14,31 | 13,99 | | | 6. | Leather & Leather Products | - | - | - | 26 | 1,09 | 99 | | | 7. | Rubber & Rubber Products | - | - | - | 67 | 3,34 | 2,72 | | | 8. | Chemicals & Chemical Products | - | - | - | 253 | 43,28 | 37,38 | | | | (a) | Heavy Industrial Chemicals | - | - | - | 14 | 10,57 | 9,10 | | | | (b) | Fertilisers | - | - | - | 7 | 1,73 | 1,64 | | | | (c) | Drugs & Pharmaceuticals | - | - | - | 54 | 4,24 | 3,22 | | | | (d) | Non-Edible Oils | - | - | - | 6 | 28 | 15 | | | | (e) | Other Chemicals & Chemical Products | - | - | - | 172 | 26,46 | 23,27 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | 8 | 12,38 | 2,64 | | | 10. | Manufacture of Cement & Cement Products | - | - | - | 57 | 9,86 | 9,23 | | | 11. | Basic Metals & Metal Products | - | - | - | 323 | 62,83 | 53,51 | | | | (a) | Iron & Steel | - | - | - | 123 | 29,31 | 29,21 | | | | (b) | Non-Ferrous Metals | - | - | - | 18 | 3,87 | 2,67 | | | | (c) | Other Metal Products | - | - | - | 182 | 29,64 | 21,64 | | | 12. | Engineering | - | - | - | 311 | 54,28 | 49,68 | | | | (a) | Heavy Engineering | - | - | - | 15 | 1,98 | 1,64 | | | | (b) | Light Engineering | - | - | - | 114 | 23,47 | 22,23 | | | | (c) | Electrical Machinery & Goods | - | - | - | 133 | 10,81 | 9,35 | | | | (d) | Electronic Machinery & Goods | - | - | - | 49 | 18,02 | 16,45 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | - | - | - | 113 | 32,92 | 32,18 | | | 14. | Other Industries | 15 | 20 | 12 | 29,945 | 113,32 | 98,73 | | | 15. | Electricity, Gas & Water | - | - | - | 27 | 108,93 | 81,20 | | | | (a) | Electricity Generation & Transmission | - | - | - | 24 | 108,71 | 81,04 | | | | (b) | Non-Conventional Energy | - | - | - | 1 | 15 | 10 | | | | (c) | Gas, Steam & Water Supply | - | - | - | 2 | 8 | 5 | | | 16. | Construction | - | - | - | 987 | 12,72 | 11,61 | III. | TRANSPORT OPERATORS | 17 | 48 | 29 | 17,792 | 210,80 | 144,12 | IV. | PROFESSIONAL AND OTHER SERVICES | 3 | 4 | 1 | 7,753 | 38,06 | 30,45 | V. | PERSONAL LOANS | 188 | 99 | 71 | 96,325 | 300,04 | 252,46 | | | 1. | Loans for Purchase of Consumer Durables | 11 | 2 | 1 | 15,043 | 36,40 | 31,75 | | | 2. | Loans for Housing | 1 | 2 | 2 | 8,621 | 84,61 | 72,27 | | | 3. | Rest of the Personal Loans | 176 | 96 | 68 | 72,661 | 179,03 | 148,44 | VI. | TRADE | 63 | 1,78 | 1,68 | 77,640 | 270,23 | 218,95 | | | 1. | Wholesale Trade | - | - | - | 1,715 | 31,93 | 24,65 | | | 2. | Retail Trade | 63 | 1,78 | 1,68 | 75,925 | 238,29 | 194,30 | VII. | FINANCE | 1 | 50 | - | 375 | 8,27 | 3,17 | VIII.
| ALL OTHERS
| 11
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| 21,617
| 101,24
| 80,64
| TOTAL BANK CREDIT | 303 | 5,16 | 2,93 | 3,41,451 | 1691,45 | 1370,47 | OF WHICH: | 1. | Artisans & Village Industries | - | - | - | 18,939 | 35,34 | 29,04 |
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| Other Small Scale Industries
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| 10,211
| 155,40
| 135,87
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