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 | 14,587 | 26,35 | 20,97 | 5,524 | 23,75 | 18,38 | | | 1. | Direct Finance | 14,444 | 25,64 | 20,51 | 5,483 | 23,26 | 17,92 | | | 2. | Indirect Finance | 143 | 70 | 46 | 41 | 49 | 46 | II. | INDUSTRY | 7,784 | 71,31 | 59,98 | 5,138 | 120,91 | 108,19 | | | 1. | Mining & Quarrying | 4 | 30 | 24 | 4 | 89 | 74 | | | 2. | Food Manufacturing & Processing | 175 | 11,89 | 9,40 | 186 | 24,17 | 20,42 | | | | (a) | Rice Mills, Flour & Dal Mills | 97 | 6,81 | 5,61 | 102 | 12,81 | 11,42 | | | | (b) | Sugar | - | - | - | 1 | 5 | - | | | | (c) | Edible Oils & Vanaspati | 37 | 2,90 | 1,91 | 18 | 2,03 | 1,94 | | | | (d) | Tea Processing | - | - | - | 1 | 6 | 6 | | | | (e) | Processing of Fruits & Vegetables | - | - | - | 3 | 14 | 10 | | | | (f) | Others | 41 | 2,18 | 1,88 | 61 | 9,09 | 6,90 | | | 3. | Beverage & Tobacco | 2 | 7 | 5 | 6 | 45 | 44 | | | 4. | Textiles | 63 | 5,06 | 3,73 | 172 | 6,82 | 6,82 | | | | (a) | Cotton Textiles | 5 | 3,32 | 2,19 | 9 | 2,36 | 2,84 | | | | (b) | Jute Textiles | 1 | 5 | 2 | 1 | 7 | 6 | | | | (c) | Handloom Textiles & Khadi | 1 | 3 | 3 | 7 | 41 | 31 | | | | (d) | Other Textiles | 56 | 1,66 | 1,48 | 155 | 3,97 | 3,61 | | | 5. | Paper, Paper Products & Printing | 31 | 1,55 | 1,40 | 60 | 2,01 | 1,77 | | | 6. | Leather & Leather Products | 9 | 33 | 29 | 23 | 19 | 19 | | | 7. | Rubber & Rubber Products | 4 | 13 | 14 | 18 | 1,57 | 1,16 | | | 8. | Chemicals & Chemical Products | 14 | 72 | 63 | 115 | 13,01 | 14,60 | | | | (a) | Heavy Industrial Chemicals | 1 | 20 | 18 | 3 | 44 | 34 | | | | (b) | Fertilisers | - | - | - | 1 | 19 | 19 | | | | (c) | Drugs & Pharmaceuticals | 4 | 11 | 9 | 31 | 3,67 | 4,26 | | | | (d) | Non-Edible Oils | - | - | - | 1 | 2 | 2 | | | | (e) | Other Chemicals & Chemical Products | 9 | 41 | 36 | 79 | 8,70 | 9,79 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 27 | 2,46 | 2,09 | - | - | - | | | 10. | Manufacture of Cement & Cement Products | 13 | 21 | 17 | 44 | 9,87 | 7,32 | | | 11. | Basic Metals & Metal Products | 99 | 6,24 | 5,12 | 104 | 13,34 | 11,46 | | | | (a) | Iron & Steel | 17 | 2,03 | 1,71 | 29 | 6,65 | 5,25 | | | | (b) | Non-Ferrous Metals | 1 | 4 | 4 | 3 | 10 | 8 | | | | (c) | Other Metal Products | 81 | 4,18 | 3,38 | 72 | 6,58 | 6,14 | | | 12. | Engineering | 56 | 3,90 | 3,02 | 119 | 6,91 | 6,28 | | | | (a) | Heavy Engineering | - | - | - | - | - | - | | | | (b) | Light Engineering | 15 | 95 | 78 | 34 | 3,84 | 3,57 | | | | (c) | Electrical Machinery & Goods | 36 | 2,66 | 2,07 | 80 | 2,77 | 2,40 | | | | (d) | Electronic Machinery & Goods | 5 | 30 | 17 | 5 | 29 | 30 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 19 | 24 | 18 | 96 | 9,67 | 7,99 | | | 14. | Other Industries | 7,253 | 37,34 | 32,72 | 3,844 | 27,96 | 24,94 | | | 15. | Electricity, Gas & Water | 3 | 24 | 21 | 5 | 28 | 18 | | | | (a) | Electricity Generation & Transmission | 3 | 24 | 21 | 3 | 15 | 5 | | | | (b) | Non-Conventional Energy | - | - | - | 1 | 4 | 4 | | | | (c) | Gas, Steam & Water Supply | - | - | - | 1 | 10 | 9 | | | 16. | Construction | 12 | 64 | 61 | 342 | 3,77 | 3,87 | III. | TRANSPORT OPERATORS | 2,569 | 46,62 | 34,87 | 1,800 | 30,28 | 24,48 | IV. | PROFESSIONAL AND OTHER SERVICES | 292 | 14,78 | 13,64 | 11,967 | 23,97 | 21,15 | V. | PERSONAL LOANS | 19,588 | 64,61 | 54,09 | 16,232 | 85,80 | 73,78 | | | 1. | Loans for Purchase of Consumer Durables | 2,348 | 7,50 | 6,12 | 4,019 | 10,36 | 8,34 | | | 2. | Loans for Housing | 1,938 | 16,09 | 14,03 | 1,823 | 23,40 | 20,69 | | | 3. | Rest of the Personal Loans | 15,302 | 41,02 | 33,95 | 10,390 | 52,04 | 44,76 | VI. | TRADE | 16,453 | 60,40 | 51,39 | 8,593 | 86,79 | 75,07 | | | 1. | Wholesale Trade | 311 | 4,57 | 4,12 | 651 | 25,36 | 20,12 | | | 2. | Retail Trade | 16,142 | 55,83 | 47,27 | 7,942 | 61,44 | 54,95 | VII. | FINANCE | 53 | 70 | 46 | 58 | 2,87 | 1,94 | VIII.
| ALL OTHERS
| 1,237
| 6,99
| 5,87
| 9,408
| 51,92
| 46,56
| TOTAL BANK CREDIT | 62,563 | 291,75 | 241,29 | 58,720 | 426,28 | 369,55 | OF WHICH: | 1. | Artisans & Village Industries | 2,186 | 5,30 | 4,70 | 1,684 | 5,64 | 5,30 |
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| Other Small Scale Industries
| 1,829
| 37,09
| 30,48
| 2,950
| 71,19
| 65,47
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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 | - | - | - | 35,292 | 30,31 | 26,87 | | | 1. | Direct Finance | - | - | - | 34,652 | 29,33 | 26,05 | | | 2. | Indirect Finance | - | - | - | 640 | 98 | 82 | II. | INDUSTRY | 4 | 3,64 | 2,30 | 8,408 | 5,89 | 5,16 | | | 1. | Mining & Quarrying | - | - | - | - | - | - | | | 2. | Food Manufacturing & Processing | - | - | - | 64 | 1,13 | 84 | | | | (a) | Rice Mills, Flour & Dal Mills | - | - | - | 59 | 1,09 | 81 | | | | (b) | Sugar | - | - | - | - | - | - | | | | (c) | Edible Oils & Vanaspati | - | - | - | 1 | 1 | 1 | | | | (d) | Tea Processing | - | - | - | - | - | - | | | | (e) | Processing of Fruits & Vegetables | - | - | - | - | - | - | | | | (f) | Others | - | - | - | 4 | 4 | 3 | | | 3. | Beverage & Tobacco | - | - | - | - | - | - | | | 4. | Textiles | - | - | - | 5 | 3 | 2 | | | | (a) | Cotton Textiles | - | - | - | 1 | 1 | 1 | | | | (b) | Jute Textiles | - | - | - | - | - | - | | | | (c) | Handloom Textiles & Khadi | - | - | - | - | - | - | | | | (d) | Other Textiles | - | - | - | 4 | 2 | 2 | | | 5. | Paper, Paper Products & Printing | - | - | - | 1 | 1 | 1 | | | 6. | Leather & Leather Products | - | - | - | - | - | - | | | 7. | Rubber & Rubber Products | - | - | - | - | - | - | | | 8. | Chemicals & Chemical Products | - | - | - | - | - | - | | | | (a) | Heavy Industrial Chemicals | - | - | - | - | - | - | | | | (b) | Fertilisers | - | - | - | - | - | - | | | | (c) | Drugs & Pharmaceuticals | - | - | - | - | - | - | | | | (d) | Non-Edible Oils | - | - | - | - | - | - | | | | (e) | Other Chemicals & Chemical Products | - | - | - | - | - | - | | | 9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | - | - | - | | | 10. | Manufacture of Cement & Cement Products | - | - | - | - | - | - | | | 11. | Basic Metals & Metal Products | - | - | - | 3 | 6 | 6 | | | | (a) | Iron & Steel | - | - | - | - | - | - | | | | (b) | Non-Ferrous Metals | - | - | - | - | - | - | | | | (c) | Other Metal Products | - | - | - | 3 | 6 | 6 | | | 12. | Engineering | 3 | 3,62 | 2,30 | 3 | 5 | 5 | | | | (a) | Heavy Engineering | - | - | - | 1 | 3 | 3 | | | | (b) | Light Engineering | 3 | 3,62 | 2,30 | 1 | 2 | 1 | | | | (c) | Electrical Machinery & Goods | - | - | - | 1 | 1 | 1 | | | | (d) | Electronic Machinery & Goods | - | - | - | - | - | - | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | - | - | - | 5 | 5 | 5 | | | 14. | Other Industries | 1 | 2 | - | 8,327 | 4,56 | 4,13 | | | 15. | Electricity, Gas & Water | - | - | - | - | - | - | | | | (a) | Electricity Generation & Transmission | - | - | - | - | - | - | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | - | - | - | - | - | - | | | 16. | Construction | - | - | - | - | - | - | III. | TRANSPORT OPERATORS | - | - | - | 6,274 | 19,42 | 14,77 | IV. | PROFESSIONAL AND OTHER SERVICES | 3 | 12 | 11 | 791 | 80 | 71 | V. | PERSONAL LOANS | - | - | - | 8,811 | 16,80 | 15,93 | | | 1. | Loans for Purchase of Consumer Durables | - | - | - | 605 | 79 | 71 | | | 2. | Loans for Housing | - | - | - | 1,205 | 5,34 | 4,79 | | | 3. | Rest of the Personal Loans | - | - | - | 7,001 | 10,67 | 10,43 | VI. | TRADE | 225 | 28 | 29 | 16,058 | 19,39 | 17,96 | | | 1. | Wholesale Trade | 225 | 28 | 29 | 1,275 | 95 | 91 | | | 2. | Retail Trade | - | - | - | 14,783 | 18,44 | 17,05 | VII. | FINANCE | - | - | - | 10 | 27 | 18 | VIII.
| ALL OTHERS
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| 2,231
| 1,99
| 1,97
| TOTAL BANK CREDIT | 232 | 4,04 | 2,70 | 77,875 | 94,86 | 83,55 | OF WHICH: | 1. | Artisans & Village Industries | 1 | 2 | - | 8,115 | 4,29 | 3,87 |
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| Other Small Scale Industries
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| 267
| 1,36
| 1,09
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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 | 19,820 | 83,22 | 74,13 | 75,223 | 163,62 | 140,36 | | | 1. | Direct Finance | 19,547 | 81,92 | 73,02 | 74,126 | 160,15 | 137,50 | | | 2. | Indirect Finance | 273 | 1,30 | 1,11 | 1,097 | 3,47 | 2,85 | II. | INDUSTRY | 12,913 | 236,38 | 226,58 | 34,247 | 438,13 | 402,22 | | | 1. | Mining & Quarrying | 5 | 2,04 | 3,38 | 13 | 3,22 | 4,37 | | | 2. | Food Manufacturing & Processing | 282 | 38,40 | 34,42 | 707 | 75,59 | 65,08 | | | | (a) | Rice Mills, Flour & Dal Mills | 119 | 24,91 | 21,80 | 377 | 45,62 | 39,64 | | | | (b) | Sugar | 1 | 35 | - | 2 | 39 | - | | | | (c) | Edible Oils & Vanaspati | 67 | 7,15 | 7,50 | 123 | 12,08 | 11,36 | | | | (d) | Tea Processing | - | - | - | 1 | 6 | 6 | | | | (e) | Processing of Fruits & Vegetables | 3 | 15 | 8 | 6 | 29 | 19 | | | | (f) | Others | 92 | 5,84 | 5,02 | 198 | 17,14 | 13,83 | | | 3. | Beverage & Tobacco | 10 | 5,45 | 5,32 | 18 | 5,97 | 5,81 | | | 4. | Textiles | 637 | 54,69 | 48,27 | 877 | 66,59 | 58,84 | | | | (a) | Cotton Textiles | 15 | 29,31 | 23,26 | 30 | 35,00 | 28,29 | | | | (b) | Jute Textiles | - | - | - | 2 | 12 | 8 | | | | (c) | Handloom Textiles & Khadi | 78 | 1,09 | 1,18 | 86 | 1,54 | 1,53 | | | | (d) | Other Textiles | 544 | 24,28 | 23,83 | 759 | 29,93 | 28,94 | | | 5. | Paper, Paper Products & Printing | 89 | 3,95 | 3,58 | 181 | 7,51 | 6,76 | | | 6. | Leather & Leather Products | 150 | 3,68 | 3,72 | 182 | 4,19 | 4,20 | | | 7. | Rubber & Rubber Products | 18 | 41 | 40 | 40 | 2,12 | 1,70 | | | 8. | Chemicals & Chemical Products | 99 | 22,74 | 19,83 | 228 | 36,47 | 35,06 | | | | (a) | Heavy Industrial Chemicals | 1 | 38 | 24 | 5 | 1,01 | 75 | | | | (b) | Fertilisers | - | - | - | 1 | 19 | 19 | | | | (c) | Drugs & Pharmaceuticals | 37 | 4,61 | 4,06 | 72 | 8,39 | 8,41 | | | | (d) | Non-Edible Oils | - | - | - | 1 | 2 | 2 | | | | (e) | Other Chemicals & Chemical Products | 61 | 17,76 | 15,53 | 149 | 26,87 | 25,69 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 1 | 3 | 3 | 28 | 2,49 | 2,13 | | | 10. | Manufacture of Cement & Cement Products | 42 | 12,79 | 10,47 | 99 | 22,87 | 17,96 | | | 11. | Basic Metals & Metal Products | 219 | 19,74 | 27,69 | 425 | 39,39 | 44,33 | | | | (a) | Iron & Steel | 28 | 11,47 | 18,06 | 74 | 20,16 | 25,01 | | | | (b) | Non-Ferrous Metals | 6 | 26 | 34 | 10 | 40 | 45 | | | | (c) | Other Metal Products | 185 | 8,01 | 9,29 | 341 | 18,83 | 18,87 | | | 12. | Engineering | 158 | 7,22 | 7,72 | 339 | 21,70 | 19,36 | | | | (a) | Heavy Engineering | 8 | 1,67 | 2,27 | 9 | 1,70 | 2,30 | | | | (b) | Light Engineering | 32 | 1,28 | 1,11 | 85 | 9,71 | 7,77 | | | | (c) | Electrical Machinery & Goods | 99 | 3,06 | 2,72 | 216 | 8,50 | 7,21 | | | | (d) | Electronic Machinery & Goods | 19 | 1,20 | 1,62 | 29 | 1,80 | 2,09 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 119 | 3,81 | 3,08 | 239 | 13,77 | 11,29 | | | 14. | Other Industries | 10,990 | 56,25 | 52,18 | 30,415 | 126,13 | 113,97 | | | 15. | Electricity, Gas & Water | 4 | 19 | 14 | 12 | 71 | 53 | | | | (a) | Electricity Generation & Transmission | 2 | 8 | 7 | 8 | 46 | 32 | | | | (b) | Non-Conventional Energy | - | - | - | 1 | 4 | 4 | | | | (c) | Gas, Steam & Water Supply | 2 | 12 | 7 | 3 | 21 | 17 | | | 16. | Construction | 90 | 4,99 | 6,37 | 444 | 9,40 | 10,84 | III. | TRANSPORT OPERATORS | 3,176 | 73,13 | 55,58 | 13,819 | 169,44 | 129,70 | IV. | PROFESSIONAL AND OTHER SERVICES | 1,969 | 1133,51 | 1184,48 | 15,022 | 1173,18 | 1220,10 | V. | PERSONAL LOANS | 41,493 | 152,66 | 137,63 | 86,124 | 319,88 | 281,44 | | | 1. | Loans for Purchase of Consumer Durables | 4,614 | 15,07 | 12,62 | 11,586 | 33,71 | 27,78 | | | 2. | Loans for Housing | 4,633 | 59,67 | 53,91 | 9,599 | 104,49 | 93,41 | | | 3. | Rest of the Personal Loans | 32,246 | 77,93 | 71,10 | 64,939 | 181,67 | 160,25 | VI. | TRADE | 22,636 | 194,05 | 162,57 | 63,965 | 360,91 | 307,28 | | | 1. | Wholesale Trade | 1,329 | 49,20 | 40,52 | 3,791 | 80,35 | 65,97 | | | 2. | Retail Trade | 21,307 | 144,86 | 122,05 | 60,174 | 280,56 | 241,31 | VII. | FINANCE | 123 | 4,45 | 4,44 | 244 | 8,29 | 7,03 | VIII.
| ALL OTHERS
| 2,869
| 75,08
| 54,58
| 15,745
| 135,98
| 108,98
| TOTAL BANK CREDIT | 1,04,999 | 1952,49 | 1900,01 | 3,04,389 | 2769,42 | 2597,10 | OF WHICH: | 1. | Artisans & Village Industries | 5,852 | 15,04 | 12,86 | 17,838 | 30,30 | 26,74 |
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| Other Small Scale Industries
| 3,942
| 104,40
| 93,83
| 8,988
| 214,04
| 190,87
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