| Table No. 5.6 – State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation – March 2000 |
NORTHERN REGION
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| (Amount in Rupees Lakh)
| | | | | STATE BANK OF INDIA | NATIONALISED BANKS | FOREIGN BANKS | | | | | AND ITS ASSOCIATES
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| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | No. of | Credit | Amount | | | | | Accounts | Limit | Out- | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | |
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| I. | AGRICULTURE | 30,690 | 78,10 | 59,11 | 54,104 | 142,68 | 108,38 | - | - | - | | | 1. Direct Finance | 30,394 | 76,67 | 58,20 | 53,741 | 129,41 | 100,49 | - | - | - | | | 2. Indirect Finance | 296 | 1,43 | 91 | 363 | 13,27 | 7,89 | - | - | - | II. | INDUSTRY | 9,721 | 179,24 | 143,06 | 15,517 | 328,95 | 304,85 | 12 | 160,84 | 85,73 | | | 1. Mining & Quarrying | 23 | 1,27 | 1,62 | 50 | 4,24 | 4,08 | - | - | - | | | 2. Food Manufacturing & Processing | 104 | 37,67 | 30,13 | 193 | 15,71 | 13,43 | - | - | - | | | (a) | Rice Mills, Flour & Dal Mills | 43 | 7,98 | 6,59 | 74 | 6,69 | 5,41 | - | - | - | | | (b) | Sugar | - | - | - | 4 | 12 | 12 | - | - | - | | | (c) | Edible Oils & Vanaspati | 14 | 3,99 | 2,46 | 36 | 6,47 | 5,73 | - | - | - | | | (d) | Tea Processing | 2 | 11 | 10 | - | - | - | - | - | - | | | (e) | Processing of Fruits & Vegetables | 10 | 8,37 | 5,93 | 5 | 54 | 44 | - | - | - | | | (f) | Others | 35 | 17,22 | 15,05 | 74 | 1,90 | 1,73 | - | - | - | | | 3. Beverage & Tobacco | 13 | 1,30 | 1,19 | 10 | 6,45 | 7,41 | - | - | - | | | 4. Textiles | 73 | 9,86 | 7,78 | 217 | 54,00 | 53,42 | 1 | 3 | 3 | | | (a) | Cotton Textiles | 19 | 4,81 | 4,42 | 52 | 12,30 | 8,54 | - | - | - | | | (b) | Jute Textiles | 5 | 23 | 20 | 1 | 3 | 4 | - | - | - | | | (c) | Handloom Textiles & Khadi | 15 | 40 | 31 | 57 | 7,50 | 7,24 | - | - | - | | | (d) | Other Textiles | 34 | 4,42 | 2,86 | 107 | 34,18 | 37,59 | 1 | 3 | 3 | | | 5. Paper, Paper Products & Printing | 36 | 2,92 | 2,92 | 174 | 8,51 | 9,30 | - | - | - | | | 6. Leather & Leather Products | 21 | 53 | 47 | 132 | 69 | 38 | - | - | - | | | 7. Rubber & Rubber Products | 52 | 2,99 | 3,87 | 66 | 2,59 | 2,24 | - | - | - | | | 8. Chemicals & Chemical Products | 136 | 18,38 | 15,39 | 224 | 37,23 | 32,70 | 1 | 7,00 | 5,07 | | | (a) | Heavy Industrial Chemicals | 5 | 82 | 18 | 13 | 10,28 | 7,48 | - | - | - | | | (b) | Fertilisers | - | - | - | 6 | 90 | 1,74 | - | - | - | | | (c) | Drugs & Pharmaceuticals | 51 | 6,78 | 5,83 | 35 | 4,70 | 4,19 | 1 | 7,00 | 5,07 | | | (d) | Non-Edible Oils | 5 | 21 | 18 | 5 | 33 | 28 | - | - | - | | | (e) | Other Chemicals & Chemical Products | 75 | 10,58 | 9,20 | 165 | 21,02 | 19,02 | - | - | - | | | 9. Petroleum, Coal Products & Nuclear Fuels | 2 | 28 | 25 | 4 | 39 | 42 | - | - | - | | | 10. Manufacture of Cement & Cement Products | 25 | 2,84 | 1,61 | 60 | 2,75 | 2,71 | - | - | - | | | 11. Basic Metals & Metal Products | 105 | 12,53 | 10,41 | 388 | 74,03 | 81,97 | - | - | - | | | (a) | Iron & Steel | 24 | 7,48 | 6,11 | 94 | 43,85 | 56,55 | - | - | - | | | (b) | Non-Ferrous Metals | 2 | 34 | 34 | 19 | 4,21 | 3,37 | - | - | - | | | (c) | Other Metal Products | 79 | 4,70 | 3,97 | 275 | 25,97 | 22,05 | - | - | - | | | 12. Engineering | 102 | 24,50 | 18,80 | 243 | 22,74 | 23,82 | 2 | 95 | 49 | | | (a) | Heavy Engineering | 31 | 3,83 | 3,34 | 5 | 19 | 16 | - | - | - | | | (b) | Light Engineering | 23 | 5,55 | 3,07 | 97 | 11,84 | 14,32 | 2 | 95 | 49 | | | (c) | Electrical Machinery & Goods | 31 | 9,22 | 7,39 | 109 | 3,70 | 3,28 | - | - | - | | | (d) | Electronic Machinery & Goods | 17 | 5,90 | 5,00 | 32 | 7,02 | 6,06 | - | - | - | | | 13. Vehicles, Vehicle Parts & Transport Equipments | 18 | 3,88 | 3,41 | 133 | 14,67 | 11,85 | 1 | 54 | 54 | | | 14. Other Industries | 8,984 | 44,58 | 36,94 | 13,128 | 58,66 | 49,79 | - | - | - | | | 15. Electricity, Gas & Water | 4 | 15,19 | 7,87 | 12 | 14,76 | 55 | 3 | 152,00 | 79,53 | | | (a) | Electricity Generation & Transmission | 1 | 15,00 | 7,75 | 5 | 14,25 | 13 | 3 | 152,00 | 79,53 | | | (b) | Non-Conventional Energy | - | - | - | 4 | 38 | 32 | - | - | - | | | (c) | Gas, Steam & Water Supply | 3 | 19 | 12 | 3 | 13 | 10 | - | - | - | | | 16. Construction | 23 | 53 | 40 | 483 | 11,52 | 10,78 | 4 | 31 | 7 | III. | TRANSPORT OPERATORS | 5,953 | 94,92 | 52,67 | 7,137 | 119,85 | 81,51 | - | - | - | IV. | PROFESSIONAL AND OTHER SERVICES | 2,091 | 21,59 | 15,90 | 6,904 | 32,23 | 24,80 | - | - | - | V. | PERSONAL LOANS | 42,506 | 166,66 | 128,83 | 55,160 | 233,55 | 199,72 | 5 | 30 | 18 | | | 1. Loans for Purchase of Consumer Durables | 4,243 | 16,20 | 11,91 | 5,023 | 15,21 | 12,06 | 1 | 4 | 5 | | | 2. Loans for Housing | 6,797 | 58,76 | 41,99 | 9,741 | 99,11 | 90,16 | - | - | - | | | 3. Rest of the Personal Loans | 31,466 | 91,70 | 74,93 | 40,396 | 119,23 | 97,49 | 4 | 25 | 13 | VI. | TRADE | 18,193 | 144,51 | 111,02 | 26,348 | 144,25 | 116,30 | 8 | 26 | 13 | | | 1. Wholesale Trade | 856 | 22,97 | 18,81 | 511 | 14,78 | 12,33 | 8 | 26 | 13 | | | 2. Retail Trade | 17,337 | 121,54 | 92,20 | 25,837 | 129,47 | 103,97 | - | - | - | VII. | FINANCE | 48 | 17,82 | 12,06 | 111 | 2,44 | 2,34 | - | - | - | VIII.ALL OTHERS
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| TOTAL BANK CREDIT | 1,17,749 | 783,48 | 577,33 | 1,81,199 | 1078,62 | 897,48 | 26 | 161,45 | 86,10 | OF WHICH: | 1. Artisans & Village Industries | 4,565 | 9,42 | 7,61 | 7,524 | 16,15 | 12,15 | - | - | - |
| 2. Other Small Scale Industries
| 4,104
| 86,86
| 72,74
| 6,080
| 97,34
| 89,03
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| | | | | REGIONAL RURAL BANKS | OTHER SCHEDULED | ALL SCHEDULED | | | | |
| COMMERCIAL BANKS
| COMMERCIAL BANKS
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | No. of | Credit | Amount | | | | | Accounts | Limit | Out- | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | |
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| I. | AGRICULTURE | 15,228 | 17,92 | 13,71 | 9 | 13 | 8 | 1,00,031 | 238,83 | 181,29 | | | 1. Direct Finance | 14,527 | 16,93 | 12,84 | 9 | 13 | 8 | 98,671 | 223,14 | 171,61 | | | 2. Indirect Finance | 701 | 1,00 | 87 | - | - | - | 1,360 | 15,70 | 9,68 | II. | INDUSTRY | 4,323 | 6,88 | 5,46 | 30 | 6,39 | 3,13 | 29,603 | 682,30 | 542,23 | | | 1. Mining & Quarrying | 3 | 20 | 8 | - | - | - | 76 | 5,71 | 5,78 | | | 2. Food Manufacturing & Processing | 37 | 45 | 38 | - | - | - | 334 | 53,83 | 43,94 | | | (a) | Rice Mills, Flour & Dal Mills | 27 | 37 | 33 | - | - | - | 144 | 15,04 | 12,33 | | | (b) | Sugar | - | - | - | - | - | - | 4 | 12 | 12 | | | (c) | Edible Oils & Vanaspati | 2 | 2 | - | - | - | - | 52 | 10,47 | 8,19 | | | (d) | Tea Processing | - | - | - | - | - | - | 2 | 11 | 10 | | | (e) | Processing of Fruits & Vegetables | - | - | - | - | - | - | 15 | 8,90 | 6,37 | | | (f) | Others | 8 | 6 | 4 | - | - | - | 117 | 19,18 | 16,83 | | | 3. Beverage & Tobacco | - | - | - | - | - | - | 23 | 7,75 | 8,60 | | | 4. Textiles | 77 | 66 | 56 | 1 | 1,09 | 7 | 369 | 65,65 | 61,87 | | | (a) | Cotton Textiles | 15 | 13 | 13 | - | - | - | 86 | 17,24 | 13,09 | | | (b) | Jute Textiles | - | - | - | - | - | - | 6 | 26 | 24 | | | (c) | Handloom Textiles & Khadi | 41 | 18 | 16 | - | - | - | 113 | 8,08 | 7,70 | | | (d) | Other Textiles | 21 | 34 | 27 | 1 | 1,09 | 7 | 164 | 40,07 | 40,83 | | | 5. Paper, Paper Products & Printing | 6 | 7 | 4 | - | - | - | 216 | 11,50 | 12,26 | | | 6. Leather & Leather Products | 2 | 1 | 1 | - | - | - | 155 | 1,22 | 86 | | | 7. Rubber & Rubber Products | 1 | - | - | - | - | - | 119 | 5,58 | 6,11 | | | 8. Chemicals & Chemical Products | 6 | 2 | 2 | 2 | 2,40 | 1,21 | 369 | 65,03 | 54,39 | | | (a) | Heavy Industrial Chemicals | - | - | - | - | - | - | 18 | 11,10 | 7,66 | | | (b) | Fertilisers | - | - | - | - | - | - | 6 | 90 | 1,74 | | | (c) | Drugs & Pharmaceuticals | - | - | - | - | - | - | 87 | 18,48 | 15,09 | | | (d) | Non-Edible Oils | - | - | - | - | - | - | 10 | 54 | 46 | | | (e) | Other Chemicals & Chemical Products | 6 | 2 | 2 | 2 | 2,40 | 1,21 | 248 | 34,03 | 29,45 | | | 9. Petroleum, Coal Products & Nuclear Fuels | - | - | - | - | - | - | 6 | 67 | 67 | | | 10. Manufacture of Cement & Cement Products | 8 | 4 | 4 | - | - | - | 93 | 5,63 | 4,36 | | | 11. Basic Metals & Metal Products | 30 | 12 | 9 | - | - | - | 523 | 86,67 | 92,47 | | | (a) | Iron & Steel | - | - | - | - | - | - | 118 | 51,34 | 62,66 | | | (b) | Non-Ferrous Metals | - | - | - | - | - | - | 21 | 4,55 | 3,71 | | | (c) | Other Metal Products | 30 | 12 | 9 | - | - | - | 384 | 30,78 | 26,10 | | | 12. Engineering | 45 | 20 | 15 | 7 | 2,83 | 1,79 | 399 | 51,22 | 45,05 | | | (a) | Heavy Engineering | - | - | - | 1 | 1,20 | 67 | 37 | 5,22 | 4,16 | | | (b) | Light Engineering | 17 | 7 | 5 | 1 | 50 | 24 | 140 | 18,92 | 18,17 | | | (c) | Electrical Machinery & Goods | 28 | 13 | 10 | - | - | - | 168 | 13,04 | 10,77 | | | (d) | Electronic Machinery & Goods | - | - | - | 5 | 1,13 | 89 | 54 | 14,05 | 11,95 | | | 13. Vehicles, Vehicle Parts & Transport Equipments | 12 | 27 | 14 | - | - | - | 164 | 19,37 | 15,94 | | | 14. Other Industries | 4,076 | 4,70 | 3,82 | 20 | 7 | 5 | 26,208 | 108,02 | 90,60 | | | 15. Electricity, Gas & Water | - | - | - | - | - | - | 19 | 181,95 | 87,94 | | | (a) | Electricity Generation & Transmission | - | - | - | - | - | - | 9 | 181,25 | 87,41 | | | (b) | Non-Conventional Energy | - | - | - | - | - | - | 4 | 38 | 32 | | | (c) | Gas, Steam & Water Supply | - | - | - | - | - | - | 6 | 32 | 22 | | | 16. Construction | 20 | 15 | 13 | - | - | - | 530 | 12,51 | 11,38 | III. | TRANSPORT OPERATORS | 4,224 | 33,39 | 23,40 | 63 | 72 | 47 | 17,377 | 248,89 | 158,06 | IV. | PROFESSIONAL AND OTHER SERVICES | 1,176 | 2,58 | 2,03 | 3 | 4 | 1 | 10,174 | 56,44 | 42,74 | V. | PERSONAL LOANS | 18,058 | 35,48 | 30,72 | 180 | 1,30 | 72 | 1,15,909 | 437,29 | 360,17 | | | 1. Loans for Purchase of Consumer Durables | 1,477 | 2,75 | 2,20 | 27 | 7 | 6 | 10,771 | 34,28 | 26,28 | | | 2. Loans for Housing | 1,771 | 5,02 | 4,83 | 5 | 2 | 2 | 18,314 | 162,92 | 137,00 | | | 3. Rest of the Personal Loans | 14,810 | 27,71 | 23,69 | 148 | 1,21 | 64 | 86,824 | 240,10 | 196,89 | VI. | TRADE | 7,863 | 22,22 | 18,26 | 177 | 2,34 | 2,16 | 52,589 | 313,59 | 247,87 | | | 1. Wholesale Trade | 273 | 85 | 61 | - | - | - | 1,648 | 38,87 | 31,89 | | | 2. Retail Trade | 7,590 | 21,38 | 17,65 | 177 | 2,34 | 2,16 | 50,941 | 274,73 | 215,98 | VII. | FINANCE | 1 | 4 | 4 | 1 | 50 | - | 161 | 20,80 | 14,44 | VIII. ALL OTHERS
| 4,339
| 5,88
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| 28,817
| 162,27
| 119,32
| TOTAL BANK CREDIT | 55,212 | 124,40 | 98,58 | 475 | 12,45 | 6,62 | 3,54,661 | 2160,41 | 1666,11 | OF WHICH: | 1. Artisans & Village Industries | 3,374 | 3,15 | 2,54 | - | - | - | 15,463 | 28,72 | 22,30 |
| 2. Other Small Scale Industries
| 641
| 1,41
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| 10,843
| 185,65
| 162,93
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