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Date : Mar 01, 1996

Table No.5.1 - Type of Account-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation March 1996 (Part 1 of 3)

(Amount in Rupees Lakh)

CASH CREDIT

OVERDRAFT

DEMAND LOANS

					No. of	Credit	Amount	No. of		Credit	Amount	No. of		Credit		Amount
	OCCUPATION				Accounts	Limit	Out-	Accounts		Limit	Out-	Accounts		Limit		Out-
							standing				standing					standing
					1	2	3	4		5	6	7		8		9
I.	AGRICULTURE				62,901	1465,41	1090,77	15,246		423,67	309,41	69,948		678,80		620,94
	1.	Direct Finance			61,307	966,41	804,45	14,808		386,20	285,25	68,959		598,72		562,89
	2.	Indirect Finance			1,594	499,00	286,32	438		37,47	24,16	989		80,08		58,06

II.	INDUSTRY				3,39,492	63385,00	51278,70	63,110		9609,83	7503,81	48,818		12546,33		9734,75
	1.	Mining & Quarrying			4,452	1214,83	902,43	1,026		103,90	87,89	1,018		97,43		80,85
	2.	Food Manufacturing and Processing			29,590	5676,69	4516,77	3,803		566,13	411,28	4,872		720,18		611,36
		(a)	Rice Mills, Flour and Dal Mills		13,034	1127,59	900,82	1,234		85,95	60,91	1,669		73,58		62,07
		(b)	Sugar		716	1482,75	1227,51	85		72,63	62,79	119		183,56		173,10
		(c)	Edible Oils and Vanaspati		5,858	1149,98	848,06	712		49,76	42,16	1,022		98,02		98,02
		(d)	Tea Processing		767	695,18	527,36	119		151,08	87,11	99		174,82		131,86
		(e)	Processing of Fruits & Vegetables		536	70,31	65,66	99		7,93	5,48	296		9,69		9,81
		(f)	Others		8,679	1150,88	947,36	1,554		198,77	152,83	1,667		180,52		136,50
	3.	Beverage and Tobacco			2,532	883,50	649,39	527		188,20	149,72	456		187,73		162,54
	4.	Textiles			53,194	9070,33	7585,59	9,025		1311,20	1042,10	7,148		1872,71		1414,02
		(a)	Cotton Textiles		16,560	4231,76	3577,09	2,981		518,95	425,18	1,817		525,65		458,56
		(b)	Jute Textiles		637	271,34	210,50	76		41,72	36,18	62		9,90		10,00
		(c)	Handloom Textiles & Khadi		4,147	281,37	217,36	467		28,04	27,49	514		40,71		22,46
		(d)	Other Textiles		31,850	4285,87	3580,64	5,501		722,49	553,26	4,755		1296,44		923,00
	5.	Paper, Paper Products and Printing			16,791	1933,30	1598,10	3,010		304,58	252,88	2,129		248,21		226,69
	6.	Leather and Leather Products			4,594	438,07	389,80	963		115,79	103,08	793		59,72		46,30
	7.	Rubber and Rubber Products			5,992	973,75	816,21	886		148,11	123,49	609		178,83		165,13
	8.	Chemicals and Chemical Products			36,501	9858,22	7846,97	5,392		1439,04	1025,65	3,480		2106,39		1548,76
		(a)	Heavy Industrial Chemicals		3,721	1640,79	1229,45	557		286,59	172,06	366		473,70		365,59
		(b)	Fertilizers		1,233	1628,88	1296,63	94		68,00	36,90	114		406,06		183,05
		(c)	Drugs and Pharmaceuticals		7,529	2626,61	2056,60	1,509		522,88	366,85	764		526,56		463,62
		(d)	Non-Edible Oils		760	199,36	177,30	91		6,84	6,26	92		9,69		9,40
		(e)	Other Chemicals & Chemical Products		23,258	3762,58	3087,00	3,141		554,73	443,59	2,144		690,38		527,10
	9.	Petroleum, Coal Products & Nuclear Fuels			2,499	1465,12	1116,37	462		265,25	194,40	325		233,29		208,43
	10.	Manufacture of Cement & Cement Products			3,338	1054,04	833,87	437		135,73	105,49	433		544,26		243,47
	11.	Basic Metals & Metal Products			38,912	9527,49	7799,46	5,303		729,40	589,67	3,902		1796,21		1379,72
		(a)	Iron and Steel		13,639	6726,66	5538,00	1,947		419,46	336,38	1,330		1478,99		1093,20
		(b)	Non-Ferrous Metals		3,029	657,44	526,54	361		74,61	56,09	245		61,72		60,01
		(c)	Other Metal Products		22,244	2143,39	1734,92	2,995		235,32	197,20	2,327		255,50		226,52
	12.	Engineering			44,828	11657,87	9541,55	8,067		1678,72	1231,83	4,928		2078,20		1673,21
		(a)	Heavy Engineering		6,668	3315,27	2557,80	1,124		415,71	266,25	703		672,95		488,66
		(b)	Light Engineering		19,502	2665,98	2169,83	3,601		482,07	386,52	2,148		359,00		303,67
		(c)	Electrical Machinery & Goods		11,696	2727,89	2300,87	1,960		356,59	250,57	1,162		567,69		482,30
		(d)	Electronic Machinery & Goods		6,962	2948,73	2513,06	1,382		424,35	328,49	915		478,56		398,58
	13.	Vehicles, Vehicle Parts & Transport Equipments			9,762	2190,82	1625,26	1,802		492,14	375,26	2,047		761,85		447,39
	14.	Other Industries			72,593	5234,10	4340,00	13,535		745,72	609,61	13,817		767,08		709,24
	15.	Electricity, Gas & Water			6,607	1134,90	792,65	503		248,56	176,02	516		416,33		359,62
		(a)	Electricity Generation & Transmission		6,222	1062,81	726,58	363		239,47	169,94	350		352,61		301,78
		(b)	Non-Conventional Energy		124	39,54	37,43	23		1,18	1,02	37		13,53		7,78
		(c)	Gas, Steam & Water Supply		261	32,54	28,64	117		7,90	5,06	129		50,19		50,06
	16.	Construction			7,307	1071,98	924,27	8,369		1137,38	1025,44	2,345		477,90		458,01

III.	TRANSPORT OPERATORS				246	211,94	191,47	310		136,62	108,38	137		71,90		69,04

IV.	PROFESSIONAL AND OTHER SERVICES				30,214	1994,05	1577,43	28,263		1957,72	1624,47	21,669		1223,22		949,63

V.	PERSONAL LOANS				10,294	228,06	175,48	1,17,402		1755,39	1250,39	1,60,721		1572,07		1360,67
	1.	Loans for Purchase of Consumer Durables			-	-	-	-		-	-	-		-		-
	2.	Loans for Housing			-	-	-	-		-	-	-		-		-
	3.	Rest of the Personal Loans			10,294	228,06	175,48	1,17,402		1755,39	1250,39	60,721		1572,07		1360,67

VI.	TRADE				3,07,462	18182,20	15377,19	84,047		2943,17	2360,01	33,505		1957,34		1834,39
	1.	Wholesale Trade			85,150	13552,96	11521,92	30,545		1910,00	1544,93	7,382		1554,48		1485,81
	2.	Retail Trade			22,312	4629,24	3855,27	53,502		1033,17	815,08	26,123		402,86		348,59

VII.	FINANCE				4,963	4356,97	3365,91	8,069		1953,08	1525,37	2,907		1463,99		1301,44

VIII.	ALL OTHERS				11,294	6007,90	4994,59	6,208		1865,36	1450,33	4,724		1819,45		1612,59
TOTAL BANK CREDIT					7,66,866	95831,53	78051,54	3,22,655		20644,84	16132,16	3,42,429		21333,10		17483,45
OF WHICH :				1. Artisans & Village Industries	7,630	184,49	154,66	1,180		21,07	15,37	2,788		30,02		23,86
				2. Other Small Scale Industries	2,20,213	14522,99	12262,64	24,817		1406,52	1209,59	20,087		879,08		793,98


												(Amount in Rupees Lakh)
					MEDIUM TERM LOANS				LONG TERM LOANS				PACKING CREDIT
					No. of	Credit	Amount	No. of		Credit	Amount	No. of		Credit		Amount
	OCCUPATION				Accounts	Limit	Out-	Accounts		Limit	Out-	Accounts		Limit		Out-
							standing				standing					standing
					10	11	12	13		14	15	16		17		18
I.	AGRICULTURE				2,56,542	4478,19	3893,42	6,42,112		10300,39	8629,58	9		23,15		7,87
	1.	Direct Finance			2,43,137	2434,09	2179,93	24,225		7779,28	6688,88	-		-		-
	2.	Indirect Finance			13,405	2044,10	1713,49	17,887		2521,11	1940,70	9		23,15		7,87

II.	INDUSTRY				1,08,465	7294,14	6620,03	2,30,829		16939,05	15273,12	15,343		13945,33		10796,33
	1.	Mining & Quarrying			1,367	132,90	112,39	3,456		293,25	259,33	499		288,23		238,02
	2.	Food Manufacturing and Processing			11,659	607,58	566,80	33,715		1781,28	1589,23	1,619		1933,69		1529,60
		(a)	Rice Mills, Flour and Dal Mills		4,431	93,47	83,12	13,990		313,52	259,74	329		275,72		245,25
		(b)	Sugar		106	90,02	86,53	368		219,33	198,80	20		43,97		28,20
		(c)	Edible Oils and Vanaspati		1,698	136,14	122,41	6,438		204,71	175,45	271		532,17		427,81
		(d)	Tea Processing		156	74,19	69,43	341		125,83	107,68	40		130,69		99,49
		(e)	Processing of Fruits & Vegetables		405	13,96	13,58	579		48,53	43,78	76		53,47		33,46
		(f)	Others		4,863	199,79	191,73	11,999		869,36	803,78	883		897,68		695,38
	3.	Beverage and Tobacco			698	103,55	99,56	1,429		187,90	185,52	92		230,21		130,36
	4.	Textiles			14,238	1095,57	971,06	32,033		2617,95	2322,59	5,356		3927,04		3059,25
		(a)	Cotton Textiles		3,414	538,10	485,06	7,724		1185,39	1041,59	811		1210,70		888,66
		(b)	Jute Textiles		248	19,88	15,39	407		30,10	27,73	42		80,46		71,02
		(c)	Handloom Textiles & Khadi		1,284	21,17	22,60	2,631		49,03	39,99	266		133,34		116,30
		(d)	Other Textiles		9,292	516,41	448,01	21,271		1353,43	1213,28	4,237		2502,54		1983,28
	5.	Paper, Paper Products and Printing			5,564	251,84	224,20	12,276		829,61	748,22	213		125,55		77,88
	6.	Leather and Leather Products			1,677	83,29	74,69	3,665		195,12	166,28	1,623		825,97		748,12
	7.	Rubber and Rubber Products			1,196	119,57	107,51	2,956		282,75	243,63	183		167,19		127,39
	8.	Chemicals and Chemical Products			6,200	1015,02	914,58	14,716		2382,56	2190,78	1,177		1286,94		863,41
		(a)	Heavy Industrial Chemicals		507	229,15	205,87	1,121		511,40	442,57	199		209,84		122,59
		(b)	Fertilizers		148	104,84	97,13	291		253,29	223,79	23		21,05		20,00
		(c)	Drugs and Pharmaceuticals		909	339,77	310,99	1,962		592,79	592,12	374		541,37		357,55
		(d)	Non-Edible Oils		151	4,63	3,73	442		45,01	41,60	41		49,73		30,28
		(e)	Other Chemicals & Chemical Products		4,485	336,63	296,86	10,900		980,08	890,70	540		464,96		332,99
	9.	Petroleum, Coal Products & Nuclear Fuels			496	207,28	180,19	1,392		148,48	137,68	37		337,41		328,93
	10.	Manufacture of Cement & Cement Products			1,122	136,95	122,06	2,940		369,37	357,32	51		55,65		42,78
	11.	Basic Metals & Metal Products			8,656	720,94	681,93	20,912		1920,48	1759,88	1,079		1291,92		1018,43
		(a)	Iron and Steel		2,043	454,80	447,19	5,535		1244,00	1148,85	328		929,49		743,16
		(b)	Non-Ferrous Metals		463	30,26	30,05	1,301		170,71	156,11	155		95,60		74,10
		(c)	Other Metal Products		6,150	235,87	204,69	14,076		505,77	454,92	596		266,83		201,17
	12.	Engineering			11,224	1188,01	1086,10	20,883		2242,11	2047,59	1,048		1292,70		911,57
		(a)	Heavy Engineering		1,726	278,23	238,99	2,831		753,01	680,79	264		487,80		345,09
		(b)	Light Engineering		4,709	365,13	324,31	9,089		592,08	532,58	378		299,88		196,43
		(c)	Electrical Machinery & Goods		2,523	248,59	230,10	4,874		460,08	417,22	197		308,32		241,82
		(d)	Electronic Machinery & Goods		2,266	296,06	292,70	4,089		436,93	417,01	209		196,71		128,23
	13.	Vehicles, Vehicle Parts & Transport Equipments			5,038	357,55	303,01	10,072		841,16	764,20	270		334,41		201,97
	14.	Other Industries			35,424	683,69	618,42	64,622		1557,06	1406,82	1,984		1696,00		1385,09
	15.	Electricity, Gas & Water			1,080	242,84	226,21	2,220		808,01	628,05	68		39,41		28,18
		(a)	Electricity Generation & Transmission		768	214,64	201,45	1,961		778,52	601,82	67		39,05		27,62
		(b)	Non-Conventional Energy		70	16,73	16,22	88		13,47	12,00	1		37		55
		(c)	Gas, Steam & Water Supply		242	11,47	8,54	171		16,02	14,23	-		-		-
	16.	Construction			2,826	347,56	331,32	3,542		481,98	465,99	44		113,02		105,36

III.	TRANSPORT OPERATORS				81,131	1427,09	1192,40	1,66,775		2946,44	2376,69	16		24,26		22,03

IV.	PROFESSIONAL AND OTHER
	SERVICES				36,322	921,14	810,60	69,773		2310,31	2004,46	1,054		262,98		230,57

V.	PERSONAL LOANS				6,21,633	5113,49	4519,54	8,17,064		10078,91	8861,73	512		11,83		10,09
	1.	Loans for Purchase of Consumer Durables			16,545	143,69	126,88	12,393		103,53	89,96	-		-		-
	2.	Loans for Housing			-	-	-	54,678		7601,82	6697,25	-		-		-
	3.	Rest of the Personal Loans			6,05,088	4969,79	4392,66	49,993		2373,56	2074,53	512		11,83		10,09

VI.	TRADE				60,622	1048,03	951,75	99,891		1646,82	1427,44	7,033		4166,05		3292,06
		1. Wholesale Trade			8,075	511,18	470,96	11,917		796,66	702,45	5,026		3323,97		2555,85
		2. Retail Trade			52,547	536,86	480,79	87,974		850,16	724,99	2,007		842,08		736,21

VII.	FINANCE				2,079	1144,83	1048,95	3,497		1901,40	1580,81	17			42,39	36,83

VIII.	ALL OTHERS				17,771	3735,06	3526,11	13,537		4507,64	3155,43	966			1086,94	851,74
TOTAL BANK CREDIT					11,84,565	25161,96	22562,81	20,43,478		50630,96	43309,27	24,950			19562,94	15247,52
OF WHICH :				1. Artisans & Village Industries	10,374	75,27	64,20	22,623		152,99	141,33	235			14,73	14,55
				2. Other Small Scale Industries	59,148	1598,30	1383,36	1,26,284		3565,26	3105,35	7,094		2786,91		2198,24
See Notes on Tables.

													(Amount in Rupees Lakh)
					EXPORT TRADE BILLS				EXPORT TRADE BILLS				EXPORT TRADE BILLS
					PURCHASED				DISCOUNTED				ADVANCED AGAINST
					No. of	Credit	Amount	No. of		Credit	Amount	No. of		Credit	Amount
	OCCUPATION				Accounts	Limit	Out-	Accounts		Limit	Out-	Accounts		Limit	Out-
							standing				standing				standing
					19	20	21	22		23	24	25		26	27
I.	AGRICULTURE				4	38	29	1		2,20	2,19	-		-	-
	1.	Direct Finance			-	-	-	-		-	-	-		-	-
	2.	Indirect Finance			4	38	29	1		2,20	2,19	-		-	-

II.	INDUSTRY				8,167	6057,40	4040,84	4,015		4132,95	2951,47	2,103		2096,39	1526,72
	1.	Mining & Quarrying			160	81,32	59,40	44		31,95	26,94	15		9,87	6,66
	2.	Food Manufacturing and Processing			441	520,66	394,42	193		291,65	185,55	86		69,07	43,03
		(a)	Rice Mills, Flour and Dal Mills		38	60,95	52,34	23		80,63	49,66	9		15,71	6,24
		(b)	Sugar		13	6,15	5,44	-		-	-	-		-	-
		(c)	Edible Oils and Vanaspati		52	60,74	47,01	26		36,78	24,72	10		12,32	8,35
		(d)	Tea Processing		35	60,44	42,11	25		54,95	32,42	1		19	19
		(e)	Processing of Fruits & Vegetables		19	13,81	10,75	16		13,81	8,65	26		15,53	6,71
		(f)	Others		284	318,57	236,76	103		105,49	70,11	40		25,32	21,54
	3.	Beverage and Tobacco			45	59,74	32,02	21		38,56	30,76	6		2,40	1,81
	4.	Textiles			3,305	2300,58	1465,33	1,578		1423,91	1034,83	699		290,90	186,35
		(a)	Cotton Textiles		525	738,34	468,67	374		508,10	374,78	68		44,20	26,80
		(b)	Jute Textiles		22	58,15	41,61	14		20,83	13,12	4		31	31
		(c)	Handloom Textiles & Khadi		80	40,13	19,62	32		19,71	17,59	9		36,47	25,24
		(d)	Other Textiles		2,678	1463,97	935,43	1,158		875,27	629,33	618		209,92	134,01
	5.	Paper, Paper Products and Printing			69	56,03	23,37	57		12,30	8,95	13		8,66	2,29
	6.	Leather and Leather Products			832	401,80	271,47	408		213,60	154,40	66		26,47	13,73
	7.	Rubber and Rubber Products			126	119,78	73,13	170		47,00	32,69	10		8,09	7,72
	8.	Chemicals and Chemical Products			770	812,62	583,70	456		645,78	438,46	164		139,07	75,22
		(a)	Heavy Industrial Chemicals		151	265,04	219,99	77		112,52	57,89	37		46,01	27,86
		(b)	Fertilizers		17	31,97	28,29	18		18,18	17,30	2		95	86
		(c)	Drugs and Pharmaceuticals		251	308,96	191,68	167		277,55	204,57	62		45,99	21,07
		(d)	Non-Edible Oils		14	18,01	17,46	7		4,44	4,44	3		1,90	4
		(e)	Other Chemicals & Chemical Products		337	188,64	126,28	187		233,09	154,27	60		44,22	25,40
	9.	Petroleum, Coal Products & Nuclear Fuels			31	25,31	20,73	20		39,44	34,91	9		3,91	3,73
	10.	Manufacture of Cement & Cement Products			18	13,24	11,38	13		37,24	6,51	1		60	60
	11.	Basic Metals & Metal Products			641	348,45	220,70	212		392,27	276,50	128		69,85	42,66
		(a)	Iron and Steel		154	177,09	125,77	78		228,08	161,03	33		36,78	29,81
		(b)	Non-Ferrous Metals		81	24,52	14,29	21		27,06	21,11	20		2,95	1,31
		(c)	Other Metal Products		406	146,84	80,64	113		137,13	94,36	75		30,13	11,54
	12.	Engineering			643	483,10	334,42	296		219,21	154,33	91		37,37	24,76
		(a)	Heavy Engineering		183	225,82	150,27	86		72,31	48,46	24		17,81	13,44
		(b)	Light Engineering		207	80,77	59,98	116		72,62	50,68	26		8,36	3,07
		(c)	Electrical Machinery & Goods		125	63,92	33,98	43		36,31	26,54	12		5,69	3,74
		(d)	Electronic Machinery & Goods		128	112,60	90,19	51		37,97	28,65	29		5,50	4,51
	13.	Vehicles, Vehicle Parts & Transport Equipments			201	135,06	96,28	129		142,52	120,14	42		37,83	35,07
	14.	Other Industries			869	683,98	450,64	411		594,32	440,55	772		1392,30	1083,10
	15.	Electricity, Gas & Water			5	11,34	1,34	4		1,73	4,93	-		-	-
		(a)	Electricity Generation & Transmission		3	10,17	16	3		1,73	1,74	-		-	-
		(b)	Non-Conventional Energy		2	1,17	1,18	1		-	3,18	-		-	-
		(c)	Gas, Steam & Water Supply		-	-	-	-		-	-	-		-	-
	16.	Construction			11	4,37	2,51	3		1,47	1,00	1		1	1

III.	TRANSPORT OPERATORS				2	95	73	-		-	-	1		30	26

IV.	PROFESSIONAL AND OTHER SERVICES				304	141,00	103,59	104		64,85	50,80	63		35,48	28,52

V.	PERSONAL LOANS				74	5,49	6,05	36		3,20	2,75	4		78	30
	1.	Loans for Purchase of Consumer Durables			-	-	-	-		-	-	-		-	-
	2.	Loans for Housing			-	-	-	-		-	-	-		-	-
	3.	Rest of the Personal Loans			74	5,49	6,05	36		3,20	2,75	4		78	30

VI.	TRADE				3,388	1913,41	1239,48	1,349		1082,48	798,10	620		420,76	319,88
	1.	Wholesale Trade			3,097	1817,39	1171,78	1,189		931,13	682,23	568		396,28	299,94
	2.	Retail Trade			291	96,02	67,70	160		151,35	115,87	52		24,48	19,94

VII.	FINANCE				11	7,19	2,73	14		52,49	46,93	7		4,09	2,59

VIII.	ALL OTHERS				737	526,93	394,74	176		182,56	139,90	259		269,85	153,78
TOTAL BANK CREDIT					12,687	8652,76	5788,45	5,695		5520,73	3992,15	3,057		2827,65	2032,05
OF WHICH :				1. Artisans & Village Industries	63	9,50	7,93	9		3,08	2,79	4		1,49	1,48
				2. Other Small Scale Industries	3,661	1390,96	947,15	1,322		648,28	489,75	995		503,61	266,04