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 | 396 | 31,56 | 10,35 | 1,392 | 179,95 | 145,16 | | | 1. | Direct Finance | 242 | 3,05 | 2,59 | 1,196 | 36,46 | 31,89 | | | 2. | Indirect Finance | 154 | 28,51 | 7,76 | 196 | 143,49 | 113,27 | II. | INDUSTRYf | 1,603 | 567,51 | 476,70 | 7,776 | 802,17 | 674,15 | | | 1. | Mining & Quarrying | 2 | 8 | 6 | 17 | 7,72 | 7,34 | | | 2. | Food Manufacturing & Processing | 62 | 92,86 | 86,80 | 123 | 103,49 | 91,12 | | | | (a) | Rice Mills, Flour & Dal Mills | 20 | 6,44 | 5,10 | 26 | 36,98 | 33,66 | | | | (b) | Sugar | 16 | 77,61 | 65,93 | 8 | 37,34 | 32,21 | | | | (c) | Edible Oils & Vanaspati | 12 | 2,64 | 8,03 | 15 | 13,01 | 10,66 | | | | (d) | Tea Processing | - | - | - | - | - | - | | | | (e) | Processing of Fruits & Vegetables | - | - | - | 6 | 1,09 | 1,07 | | | | (f) | Others | 14 | 6,17 | 7,74 | 68 | 15,06 | 13,52 | | | 3. | Beverage & Tobacco | 4 | 4,35 | 3,96 | 9 | 6,76 | 6,56 | | | 4. | Textiles | 134 | 93,70 | 79,48 | 162 | 127,83 | 112,86 | | | | (a) | Cotton Textiles | 15 | 28,01 | 22,54 | 72 | 78,04 | 73,87 | | | | (b) | Jute Textiles | 1 | 5 | 2 | - | - | - | | | | (c) | Handloom Textiles & Khadi | - | - | - | 2 | 1 | 1 | | | | (d) | Other Textiles | 118 | 65,65 | 56,92 | 88 | 49,77 | 38,98 | | | 5. | Paper, Paper Products & Printing | 27 | 8,86 | 7,33 | 190 | 27,46 | 20,76 | | | 6. | Leather & Leather Products | 11 | 7,64 | 6,84 | 24 | 14,36 | 8,99 | | | 7. | Rubber & Rubber Products | 24 | 5,16 | 4,67 | 29 | 3,45 | 3,97 | | | 8. | Chemicals & Chemical Products | 91 | 50,10 | 47,09 | 436 | 118,37 | 104,62 | | | | (a) | Heavy Industrial Chemicals | 5 | 34 | 33 | 45 | 57,17 | 51,63 | | | | (b) | Fertilisers | 5 | 5,76 | 5,56 | 8 | 6,34 | 6,26 | | | | (c) | Drugs & Pharmaceuticals | 35 | 34,67 | 32,42 | 115 | 34,96 | 31,19 | | | | (d) | Non-Edible Oils | - | - | - | 2 | 2,77 | 3,59 | | | | (e) | Other Chemicals & Chemical Products | 46 | 9,33 | 8,77 | 266 | 17,13 | 11,94 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 5 | 37 | 36 | 1 | 20 | 2 | | | 10. | Manufacture of Cement & Cement Products | 15 | 1,07 | 81 | 14 | 1,71 | 1,60 | | | 11. | Basic Metals & Metal Products | 227 | 84,07 | 75,66 | 292 | 144,37 | 107,86 | | | | (a) | Iron & Steel | 49 | 63,75 | 59,84 | 112 | 89,46 | 76,55 | | | | (b) | Non-Ferrous Metals | 2 | 75 | 96 | 9 | 2,43 | 1,25 | | | | (c) | Other Metal Products | 176 | 19,57 | 14,85 | 171 | 52,48 | 30,05 | | | 12. | Engineering | 218 | 118,39 | 105,66 | 360 | 116,98 | 111,06 | | | | (a) | Heavy Engineering | 12 | 3,28 | 3,02 | 61 | 14,08 | 13,71 | | | | (b) | Light Engineering | 123 | 14,34 | 11,69 | 175 | 13,48 | 11,91 | | | | (c) | Electrical Machinery & Goods | 55 | 33,59 | 33,05 | 73 | 22,55 | 22,68 | | | | (d) | Electronic Machinery & Goods | 28 | 67,18 | 57,90 | 51 | 66,86 | 62,77 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 28 | 47,99 | 32,60 | 208 | 55,30 | 35,57 | | | 14. | Other Industries | 719 | 38,50 | 19,70 | 5,822 | 55,83 | 45,32 | | | 15. | Electricity, Gas & Water | 18 | 1,00 | 61 | 20 | 13,10 | 11,04 | | | | (a) | Electricity Generation & Transmission | 18 | 1,00 | 61 | 20 | 13,10 | 11,04 | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | - | - | - | - | - | - | | | 16. | Construction | 18 | 13,38 | 5,09 | 69 | 5,23 | 5,45 | III. | TRANSPORT OPERATORS | 70 | 1,22 | 80 | 731 | 10,99 | 10,57 | IV. | PROFESSIONAL AND OTHER SERVICES | 381 | 17,74 | 15,46 | 1,171 | 223,69 | 199,56 | V. | PERSONAL LOANS | 21,983 | 88,73 | 78,13 | 28,454 | 162,41 | 137,01 | | | 1. | Loans for Purchase of Consumer Durables | 4,510 | 11,69 | 10,20 | 5,059 | 23,11 | 19,22 | | | 2. | Loans for Housing | 866 | 27,34 | 26,17 | 3,536 | 48,52 | 40,99 | | | 3. | Rest of the Personal Loans | 16,607 | 49,70 | 41,75 | 19,859 | 90,78 | 76,79 | VI. | TRADE | 2,474 | 2247,69 | 1600,90 | 4,523 | 160,03 | 134,14 | | | 1. | Wholesale Trade | 1,151 | 2233,93 | 1590,54 | 512 | 81,80 | 70,81 | | | 2. | Retail Trade | 1,323 | 13,76 | 10,36 | 4,011 | 78,23 | 63,33 | VII. | FINANCE | 5 | 6,75 | 6,36 | 36 | 64,92 | 54,89 | VIII.
| ALL OTHERS
| 2,452
| 32,31
| 26,26
| 16,130
| 233,19
| 218,64
| TOTAL BANK CREDIT | 29,364 | 2993,51 | 2214,96 | 60,213 | 1837,34 | 1574,12 | OF WHICH: | 1. | Artisans & Village Industries | 35 | 1,99 | 1,90 | 96 | 84 | 83 |
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| Other Small Scale Industries
| 1,007
| 65,06
| 51,08
| 2,512
| 110,93
| 97,85
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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. | Direct Finance | - | - | - | - | - | - | | | 2. | Indirect Finance | - | - | - | - | - | - | II. | INDUSTRY | 77 | 131,54 | 84,24 | - | - | - | | | 1. | Mining & Quarrying | - | - | - | - | - | - | | | 2. | Food Manufacturing & Processing | 1 | 3 | 3 | - | - | - | | | | (a) | Rice Mills, Flour & Dal Mills | 1 | 3 | 3 | - | - | - | | | | (b) | Sugar | - | - | - | - | - | - | | | | (c) | Edible Oils & Vanaspati | - | - | - | - | - | - | | | | (d) | Tea Processing | - | - | - | - | - | - | | | | (e) | Processing of Fruits & Vegetables | - | - | - | - | - | - | | | | (f) | Others | - | - | - | - | - | - | | | 3. | Beverage & Tobacco | 2 | 2,48 | 2,48 | - | - | - | | | 4. | Textiles | 3 | 5,00 | 2,37 | - | - | - | | | | (a) | Cotton Textiles | - | - | - | - | - | - | | | | (b) | Jute Textiles | - | - | - | - | - | - | | | | (c) | Handloom Textiles & Khadi | - | - | - | - | - | - | | | | (d) | Other Textiles | 3 | 5,00 | 2,37 | - | - | - | | | 5. | Paper, Paper Products & Printing | 7 | 52 | 49 | - | - | - | | | 6. | Leather & Leather Products | 1 | 2 | 2 | - | - | - | | | 7. | Rubber & Rubber Products | 1 | 3 | 3 | - | - | - | | | 8. | Chemicals & Chemical Products | 8 | 67,61 | 19,22 | - | - | - | | | | (a) | Heavy Industrial Chemicals | 1 | 10 | - | - | - | - | | | | (b) | Fertilisers | - | - | - | - | - | - | | | | (c) | Drugs & Pharmaceuticals | 5 | 67,45 | 19,15 | - | - | - | | | | (d) | Non-Edible Oils | - | - | - | - | - | - | | | | (e) | Other Chemicals & Chemical Products | 2 | 7 | 7 | - | - | - | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 2 | 8 | 8 | - | - | - | | | 10. | Manufacture of Cement & Cement Products | - | - | - | - | - | - | | | 11. | Basic Metals & Metal Products | 2 | 2,06 | 2,06 | - | - | - | | | | (a) | Iron & Steel | - | - | - | - | - | - | | | | (b) | Non-Ferrous Metals | - | - | - | - | - | - | | | | (c) | Other Metal Products | 2 | 2,06 | 2,06 | - | - | - | | | 12. | Engineering | 21 | 43,48 | 48,45 | - | - | - | | | | (a) | Heavy Engineering | 2 | 5 | 6 | - | - | - | | | | (b) | Light Engineering | 3 | 4,80 | 4,80 | - | - | - | | | | (c) | Electrical Machinery & Goods | 1 | 3 | 3 | - | - | - | | | | (d) | Electronic Machinery & Goods | 15 | 38,59 | 43,56 | - | - | - | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 9 | 1,20 | 51 | - | - | - | | | 14. | Other Industries | 20 | 9,05 | 8,50 | - | - | - | | | 15. | Electricity, Gas & Water | - | - | - | - | - | - | | | | (a) | Electricity Generation & Transmission | - | - | - | - | - | - | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | - | - | - | - | - | - | | | 16. | Construction | - | - | - | - | - | - | III. | TRANSPORT OPERATORS | - | - | - | - | - | - | IV. | PROFESSIONAL AND OTHER SERVICES | 2 | 5 | 5 | - | - | - | V. | PERSONAL LOANS | 216 | 6,31 | 6,42 | - | - | - | | | 1. | Loans for Purchase of Consumer Durables | 169 | 4,87 | 5,02 | - | - | - | | | 2. | Loans for Housing | - | - | - | - | - | - | | | 3. | Rest of the Personal Loans | 47 | 1,43 | 1,40 | - | - | - | VI. | TRADE | 5 | 23 | 13 | - | - | - | | | 1. | Wholesale Trade | 1 | 10 | - | - | - | - | | | 2. | Retail Trade | 4 | 13 | 13 | - | - | - | VII. | FINANCE | - | - | - | - | - | - | VIII.
| ALL OTHERS
| 57
| 1,97
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| TOTAL BANK CREDIT | 357 | 140,09 | 92,87 | - | - | - | OF WHICH: | 1. | Artisans & Village Industries | - | - | - | - | - | - |
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| Other Small Scale Industries
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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 | 7 | 2,35 | 2,04 | 1,795 | 213,86 | 157,55 | | | 1. | Direct Finance | 3 | 76 | 45 | 1,441 | 40,28 | 34,93 | | | 2. | Indirect Finance | 4 | 1,58 | 1,59 | 354 | 173,58 | 122,62 | II. | INDUSTRY | 1,347 | 237,13 | 200,96 | 10,803 | 1738,35 | 1436,05 | | | 1. | Mining & Quarrying | 2 | 50 | 53 | 21 | 8,30 | 7,92 | | | 2. | Food Manufacturing & Processing | 11 | 6,27 | 6,12 | 197 | 202,65 | 184,07 | | | | (a) | Rice Mills, Flour & Dal Mills | - | - | - | 47 | 43,44 | 38,79 | | | | (b) | Sugar | 1 | 30 | 35 | 25 | 115,26 | 98,48 | | | | (c) | Edible Oils & Vanaspati | - | - | - | 27 | 15,65 | 18,69 | | | | (d) | Tea Processing | - | - | - | - | - | - | | | | (e) | Processing of Fruits & Vegetables | - | - | - | 6 | 1,09 | 1,07 | | | | (f) | Others | 10 | 5,97 | 5,78 | 92 | 27,20 | 27,04 | | | 3. | Beverage & Tobacco | - | - | - | 15 | 13,58 | 13,00 | | | 4. | Textiles | 21 | 21,72 | 20,57 | 320 | 248,25 | 215,28 | | | | (a) | Cotton Textiles | 13 | 14,55 | 14,03 | 100 | 120,60 | 110,45 | | | | (b) | Jute Textiles | - | - | - | 1 | 5 | 2 | | | | (c) | Handloom Textiles & Khadi | - | - | - | 2 | 1 | 1 | | | | (d) | Other Textiles | 8 | 7,17 | 6,54 | 217 | 127,59 | 104,80 | | | 5. | Paper, Paper Products & Printing | 11 | 2,45 | 2,21 | 235 | 39,29 | 30,79 | | | 6. | Leather & Leather Products | - | - | - | 36 | 22,03 | 15,85 | | | 7. | Rubber & Rubber Products | 5 | 1,92 | 1,19 | 59 | 10,56 | 9,86 | | | 8. | Chemicals & Chemical Products | 26 | 22,18 | 15,13 | 561 | 258,26 | 186,05 | | | | (a) | Heavy Industrial Chemicals | 5 | 5,45 | 4,75 | 56 | 63,06 | 56,72 | | | | (b) | Fertilisers | - | - | - | 13 | 12,10 | 11,83 | | | | (c) | Drugs & Pharmaceuticals | 10 | 15,17 | 9,24 | 165 | 152,24 | 92,00 | | | | (d) | Non-Edible Oils | - | - | - | 2 | 2,77 | 3,59 | | | | (e) | Other Chemicals & Chemical Products | 11 | 1,57 | 1,14 | 325 | 28,09 | 21,92 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | 8 | 65 | 46 | | | 10. | Manufacture of Cement & Cement Products | 4 | 2,18 | 2,83 | 33 | 4,96 | 5,24 | | | 11. | Basic Metals & Metal Products | 42 | 44,84 | 44,38 | 563 | 275,34 | 229,95 | | | | (a) | Iron & Steel | 37 | 44,33 | 44,10 | 198 | 197,53 | 180,50 | | | | (b) | Non-Ferrous Metals | 1 | 5 | 5 | 12 | 3,23 | 2,26 | | | | (c) | Other Metal Products | 4 | 46 | 24 | 353 | 74,57 | 47,20 | | | 12. | Engineering | 24 | 28,75 | 26,94 | 623 | 307,60 | 292,11 | | | | (a) | Heavy Engineering | 5 | 1,08 | 55 | 80 | 18,50 | 17,34 | | | | (b) | Light Engineering | 11 | 18,67 | 18,54 | 312 | 51,30 | 46,94 | | | | (c) | Electrical Machinery & Goods | - | - | - | 129 | 56,17 | 55,76 | | | | (d) | Electronic Machinery & Goods | 8 | 8,99 | 7,85 | 102 | 181,62 | 172,08 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 9 | 16 | 7 | 254 | 104,65 | 68,76 | | | 14. | Other Industries | 1,146 | 71,23 | 59,85 | 7,707 | 174,60 | 133,37 | | | 15. | Electricity, Gas & Water | 3 | 10,40 | 10,82 | 41 | 24,50 | 22,46 | | | | (a) | Electricity Generation & Transmission | 3 | 10,40 | 10,82 | 41 | 24,50 | 22,46 | | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | | | | (c) | Gas, Steam & Water Supply | - | - | - | - | - | - | | | 16. | Construction | 43 | 24,53 | 10,32 | 130 | 43,14 | 20,86 | III. | TRANSPORT OPERATORS | 21 | 2,62 | 1,41 | 822 | 14,83 | 12,78 | IV. | PROFESSIONAL AND OTHER SERVICES | 118 | 22,38 | 21,27 | 1,672 | 263,87 | 236,35 | V. | PERSONAL LOANS | 2,012 | 22,58 | 18,63 | 52,665 | 280,02 | 240,19 | | | 1. | Loans for Purchase of Consumer Durables | 9 | 4 | 4 | 9,747 | 39,72 | 34,49 | | | 2. | Loans for Housing | 118 | 3,92 | 3,13 | 4,520 | 79,77 | 70,29 | | | 3. | Rest of the Personal Loans | 1,885 | 18,62 | 15,46 | 38,398 | 160,53 | 135,41 | VI. | TRADE | 195 | 25,66 | 19,91 | 7,197 | 2433,61 | 1755,08 | | | 1. | Wholesale Trade | 61 | 8,61 | 6,99 | 1,725 | 2324,44 | 1668,34 | | | 2. | Retail Trade | 134 | 17,05 | 12,92 | 5,472 | 109,17 | 86,74 | VII. | FINANCE | 2 | 12 | 2 | 43 | 71,79 | 61,28 | VIII.
| ALL OTHERS
| 185
| 28,59
| 29,22
| 18,824
| 296,05
| 276,15
| TOTAL BANK CREDIT | 3,887 | 341,43 | 293,47 | 93,821 | 5312,37 | 4175,41 | OF WHICH: | 1. | Artisans & Village Industries | 12 | 6 | 6 | 143 | 2,89 | 2,79 |
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| Other Small Scale Industries
| 43
| 10,61
| 7,79
| 3,569
| 187,94
| 157,32
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