Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1996 |
NORTHERN REGION
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| (Amount in Rupees Lakh)
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| | | | 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
| Outstanding
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| Accounts
| Limit
| Outstanding
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| Accounts
| Limit
| Outstanding
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| 1
| 2
| 3
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| 4
| 5
| 6
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| 7
| 8
| 9
| I. | AGRICULTURE | 20,454 | 41,19 | 35,02 | | 56,654 | 68,01 | 53,32 | | - | - | - | | | 1. | Direct Finance | 20,103 | 34,08 | 26,60 | | 55,947 | 66,05 | 52,32 | | - | - | - | | | 2. | Indirect Finance | 351 | 7,11 | 8,42 | | 707 | 1,96 | 1,01 | | - | - | - | II. | INDUSTRY | 3,272 | 101,53 | 73,48 | | 14,376 | 264,78 | 231,14 | | 9 | 46,49 | 40,10 | | | 1. | Mining & Quarrying | 60 | 95 | 89 | | 48 | 1,23 | 1,02 | | - | - | - | | | 2. | Food Manufacturing and Processing | 144 | 8,57 | 6,83 | | 532 | 13,74 | 12,10 | | - | - | - | | | | (a) | Rice Mills, Flour and Dal Mills | 68 | 2,45 | 1,38 | | 176 | 6,56 | 5,73 | | - | - | - | | | | (b) | Sugar | 1 | - | - | | - | - | - | | - | - | - | | | | (c) | Edible Oils and Vanaspati | 7 | 7 | 7 | | 40 | 5,04 | 4,38 | | - | - | - | | | | (d) | Tea Processing | 2 | 13 | 7 | | 2 | 37 | 36 | | - | - | - | | | | (e) | Processing of Fruits & Vegetables | 7 | 5,11 | 4,54 | | 9 | 15 | 37 | | - | - | - | | | | (f) | Others | 59 | 82 | 77 | | 305 | 1,62 | 1,26 | | - | - | - | | | 3. | Beverage and Tobacco | 8 | 87 | 48 | | 23 | 3,82 | 3,47 | | - | - | - | | | 4. | Textiles | 153 | 5,10 | 4,51 | | 307 | 55,85 | 46,95 | | - | - | - | | | | (a) | Cotton Textiles | 30 | 2,65 | 2,02 | | 39 | 23,86 | 22,66 | | - | - | - | | | | (b) | Jute Textiles | - | - | - | | 6 | 29 | 26 | | - | - | - | | | | (c) | Handloom Textiles & Khadi | 67 | 78 | 53 | | 104 | 6,72 | 3,94 | | - | - | - | | | | (d) | Other Textiles | 56 | 1,66 | 1,96 | | 158 | 24,98 | 20,08 | | - | - | - | | | 5. | Paper, Paper Products and Printing | 63 | 2,01 | 2,00 | | 206 | 9,34 | 10,99 | | - | - | - | | | 6. | Leather and Leather Products | 20 | 19 | 16 | | 32 | 45 | 43 | | - | - | - | | | 7. | Rubber and Rubber Products | 20 | 99 | 1,04 | | 72 | 4,13 | 2,88 | | 1 | 51 | 51 | | | 8. | Chemicals and Chemical Products | 82 | 2,62 | 3,20 | | 320 | 30,75 | 28,48 | | - | - | - | | | | (a) | Heavy Industrial Chemicals | 2 | 2 | 1 | | 27 | 1,85 | 1,76 | | - | - | - | | | | (b) | Fertilizers | 1 | 3 | 3 | | 25 | 3,29 | 3,24 | | - | - | - | | | | (c) | Drugs and Pharmaceuticals | 26 | 1,13 | 1,36 | | 58 | 2,59 | 2,32 | | - | - | - | | | | (d) | Non-Edible Oils | 7 | 17 | 32 | | 7 | 21 | 16 | | - | - | - | | | | (e) | Other Chemicals & Chemical Products | 46 | 1,27 | 1,49 | | 203 | 22,80 | 21,00 | | - | - | - | | | 9. | Petroleum, Coal Products & Nuclear Fuels | 3 | 26 | 6 | | 8 | 39 | 31 | | - | - | - | | | 10. | Manufacture of Cement & Cement Products | 42 | 1,07 | 85 | | 70 | 2,56 | 2,42 | | - | - | - | | | 11. | Basic Metals & Metal Products | 247 | 7,12 | 6,18 | | 549 | 56,08 | 47,33 | | - | - | - | | | | (a) | Iron and Steel | 93 | 3,80 | 3,72 | | 217 | 32,32 | 28,53 | | - | - | - | | | | (b) | Non-Ferrous Metals | 5 | 52 | 25 | | 17 | 3,73 | 3,90 | | - | - | - | | | | (c) | Other Metal Products | 149 | 2,80 | 2,21 | | 315 | 20,03 | 14,90 | | - | - | - | | | 12. | Engineering | 210 | 34,11 | 16,68 | | 330 | 43,30 | 40,59 | | 2 | 91 | 91 | | | | (a) | Heavy Engineering | 14 | 2,30 | 1,62 | | 19 | 61 | 72 | | - | - | - | | | | (b) | Light Engineering | 43 | 90 | 1,02 | | 130 | 26,40 | 24,49 | | 2 | 91 | 91 | | | | (c) | Electrical Machinery & Goods | 25 | 5,72 | 3,45 | | 90 | 9,93 | 10,06 | | - | - | - | | | | (d) | Electronic Machinery & Goods | 128 | 25,19 | 10,58 | | 91 | 6,36 | 5,31 | | - | - | - | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 46 | 11,08 | 10,03 | | 91 | 6,04 | 4,43 | | - | - | - | | | 14. | Other Industries | 2,142 | 24,33 | 19,95 | | 11,693 | 30,13 | 24,62 | | - | - | - | | | 15. | Electricity, Gas & Water | 18 | 2,12 | 49 | | 14 | 1,72 | 75 | | 4 | 45,00 | 38,61 | | | | (a) | Electricity Generation & Transmission | 16 | 2,08 | 46 | | 12 | 1,56 | 63 | | 4 | 45,00 | 38,61 | | | | (b) | Non-Conventional Energy | - | - | - | | 1 | 15 | 10 | | - | - | - | | | | (c) | Gas, Steam & Water Supply | 2 | 5 | 4 | | 1 | 1 | 3 | | - | - | - | | | 16. | Construction | 14 | 13 | 12 | | 81 | 5,24 | 4,37 | | 2 | 6 | 5 | III. | TRANSPORT OPERATORS | 3,531 | 57,24 | 37,83 | | 3,800 | 62,86 | 46,58 | | - | - | - | IV. | PROFESSIONAL AND OTHER SERVICES | 352 | 7,04 | 5,18 | | 7,305 | 24,81 | 17,80 | | 1 | - | - | V. | PERSONAL LOANS | 13,065 | 58,81 | 50,84 | | 33,868 | 97,29 | 83,45 | | 91 | 31 | 27 | | | 1. | Loans for Purchase of Consumer Durables | 339 | 81 | 64 | | 1,389 | 1,91 | 1,55 | | 5 | - | - | | | 2. | Loans for Housing | 1,572 | 17,84 | 15,19 | | 4,400 | 32,79 | 27,69 | | 1 | - | - | | | 3. | Rest of the Personal Loans | 11,154 | 40,16 | 35,00 | | 28,079 | 62,60 | 54,21 | | 85 | 30 | 27 | VI. | TRADE | 7,925 | 85,14 | 68,92 | | 26,456 | 93,97 | 79,43 | | 5 | 6 | 6 | | | 1. | Wholesale Trade | 257 | 6,89 | 6,29 | | 610 | 26,10 | 23,98 | | 5 | 6 | 6 | | | 2. | Retail Trade | 7,668 | 78,25 | 62,63 | | 25,846 | 67,87 | 55,44 | | - | - | - | VII. | FINANCE | 23 | 84 | 68 | | 42 | 6,59 | 3,95 | | - | - | - | VIII.
| ALL OTHERS
| 1,721
| 3,07
| 2,66
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| 20,948
| 51,63
| 40,64
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| -
| -
| -
| TOTAL BANK CREDIT | 50,343 | 354,85 | 274,61 | | 1,63,449 | 669,93 | 556,30 | | 106 | 46,86 | 40,43 | OF WHICH : | 1. Artisans & Village Industries | 575 | 3,78 | 2,75 | | 7,608 | 9,71 | 7,08 | | - | - | - |
| 2. Other Small Scale Industries
| 1,660
| 61,45
| 41,87
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| 5,235
| 116,22
| 106,11
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| -
| -
| -
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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
| Outstanding
|
| Accounts
| Limit
| Outstanding
|
| Accounts
| Limit
| Outstanding
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| 10
| 11
| 12
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| 13
| 14
| 15
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| 16
| 17
| 18
| I. | AGRICULTURE | 20,336 | 12,08 | 9,99 | | 12 | 26 | 16 | | 97,456 | 121,55 | 98,50 | | | 1. | Direct Finance | 19,969 | 11,80 | 9,74 | | 12 | 26 | 16 | | 96,031 | 112,20 | 88,82 | | | 2. | Indirect Finance | 367 | 28 | 25 | | - | - | - | | 1,425 | 9,35 | 9,68 | II. | INDUSTRY | 5,428 | 3,82 | 3,23 | | 7 | 10 | 7 | | 23,092 | 416,71 | 348,01 | | | 1. | Mining & Quarrying | 5 | 10 | 9 | | - | - | - | | 113 | 2,28 | 2,00 | | | 2. | Food Manufacturing and Processing | 38 | 23 | 21 | | - | - | - | | 714 | 22,54 | 19,13 | | | | (a) | Rice Mills, Flour and Dal Mills | 9 | 13 | 13 | | - | - | - | | 253 | 9,13 | 7,24 | | | | (b) | Sugar | - | - | - | | - | - | - | | 1 | - | - | | | | (c) | Edible Oils and Vanaspati | 7 | 6 | 6 | | - | - | - | | 54 | 5,17 | 4,51 | | | | (d) | Tea Processing | - | - | - | | - | - | - | | 4 | 50 | 43 | | | | (e) | Processing of Fruits & Vegetables | - | - | - | | - | - | - | | 16 | 5,26 | 4,91 | | | | (f) | Others | 22 | 3 | 1 | | - | - | - | | 386 | 2,47 | 2,04 | | | 3. | Beverage and Tobacco | - | - | - | | - | - | - | | 31 | 4,70 | 3,94 | | | 4. | Textiles | 14 | 12 | 13 | | - | - | - | | 474 | 61,06 | 51,59 | | | | (a) | Cotton Textiles | 6 | 7 | 8 | | - | - | - | | 75 | 26,58 | 24,76 | | | | (b) | Jute Textiles | - | - | - | | - | - | - | | 6 | 29 | 26 | | | | (c) | Handloom Textiles & Khadi | 4 | 3 | 3 | | - | - | - | | 175 | 7,53 | 4,51 | | | | (d) | Other Textiles | 4 | 2 | 1 | | - | - | - | | 218 | 26,66 | 22,05 | | | 5. | Paper, Paper Products and Printing | - | - | - | | - | - | - | | 269 | 11,35 | 12,99 | | | 6. | Leather and Leather Products | 1 | - | - | | - | - | - | | 53 | 64 | 59 | | | 7. | Rubber and Rubber Products | - | - | - | | - | - | - | | 93 | 5,64 | 4,44 | | | 8. | Chemicals and Chemical Products | 2 | 1 | 1 | | - | - | - | | 404 | 33,38 | 31,69 | | | | (a) | Heavy Industrial Chemicals | - | - | - | | - | - | - | | 29 | 1,87 | 1,76 | | | | (b) | Fertilizers | - | - | - | | - | - | - | | 26 | 3,33 | 3,27 | | | | (c) | Drugs and Pharmaceuticals | - | - | - | | - | - | - | | 84 | 3,72 | 3,68 | | | | (d) | Non-Edible Oils | - | - | - | | - | - | - | | 14 | 39 | 48 | | | | (e) | Other Chemicals & Chemical Products | 2 | 1 | 1 | | - | - | - | | 251 | 24,07 | 22,50 | | | 9. | Petroleum, Coal Products & Nuclear Fuels | - | - | - | | - | - | - | | 11 | 65 | 38 | | | 10. | Manufacture of Cement & Cement Products | - | - | - | | - | - | - | | 112 | 3,64 | 3,27 | | | 11. | Basic Metals & Metal Products | 7 | 3 | 3 | | - | - | - | | 803 | 63,24 | 53,54 | | | | (a) | Iron and Steel | - | - | - | | - | - | - | | 310 | 36,12 | 32,25 | | | | (b) | Non-Ferrous Metals | - | - | - | | - | - | - | | 22 | 4,26 | 4,15 | | | | (c) | Other Metal Products | 7 | 3 | 3 | | - | - | - | | 471 | 22,86 | 17,14 | | | 12. | Engineering | 1 | - | - | | - | - | - | | 543 | 78,32 | 58,18 | | | | (a) | Heavy Engineering | - | - | - | | - | - | - | | 33 | 2,91 | 2,34 | | | | (b) | Light Engineering | - | - | - | | - | - | - | | 175 | 28,21 | 26,42 | | | | (c) | Electrical Machinery & Goods | - | - | - | | - | - | - | | 115 | 15,65 | 13,52 | | | | (d) | Electronic Machinery & Goods | 1 | - | - | | - | - | - | | 220 | 31,55 | 15,90 | | | 13. | Vehicles, Vehicle Parts & Transport Equipments | 1 | 1 | 1 | | - | - | - | | 138 | 17,12 | 14,47 | | | 14. | Other Industries | 5,342 | 3,22 | 2,66 | | 7 | 10 | 7 | | 19,184 | 57,79 | 47,31 | | | 15. | Electricity, Gas & Water | 3 | 2 | 2 | | - | - | - | | 39 | 48,87 | 39,88 | | | | (a) | Electricity Generation & Transmission | 1 | 1 | 1 | | - | - | - | | 33 | 48,65 | 39,71 | | | | (b) | Non-Conventional Energy | - | - | - | | - | - | - | | 1 | 15 | 10 | | | | (c) | Gas, Steam & Water Supply | 2 | 1 | 1 | | - | - | - | | 5 | 7 | 8 | | | 16. | Construction | 14 | 8 | 7 | | - | - | - | | 111 | 5,50 | 4,62 | III. | TRANSPORT OPERATORS | 1,101 | 11,25 | 8,96 | | 17 | 46 | 31 | | 8,449 | 131,81 | 93,68 | IV. | PROFESSIONAL AND OTHER SERVICES | 1,303 | 1,32 | 1,17 | | 5 | 2 | 1 | | 8,966 | 33,19 | 24,16 | V. | PERSONAL LOANS | 8,118 | 10,34 | 9,51 | | 94 | 34 | 29 | | 55,236 | 167,09 | 144,36 | | | 1. | Loans for Purchase of Consumer Durables | 616 | 77 | 65 | | 8 | 1 | 1 | | 2,357 | 3,51 | 2,85 | | | 2. | Loans for Housing | 333 | 1,45 | 1,34 | | 1 | 2 | 1 | | 6,307 | 52,09 | 44,23 | | | 3. | Rest of the Personal Loans | 7,169 | 8,12 | 7,52 | | 85 | 32 | 28 | | 46,572 | 111,49 | 97,28 | VI. | TRADE | 7,513 | 8,92 | 7,72 | | 69 | 98 | 78 | | 41,968 | 189,07 | 156,90 | | | 1. | Wholesale Trade | 155 | 19 | 18 | | - | - | - | | 1,027 | 33,24 | 30,50 | | | 2. | Retail Trade | 7,358 | 8,74 | 7,55 | | 69 | 98 | 78 | | 40,941 | 155,83 | 126,40 | VII. | FINANCE | - | - | - | | 1 | 50 | - | | 66 | 7,93 | 4,63 | VIII.
| ALL OTHERS
| 6,013
| 4,81
| 4,55
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| -
| -
| -
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| 28,682
| 59,51
| 47,85
| TOTAL BANK CREDIT | 49,812 | 52,55 | 45,13 | | 205 | 2,66 | 1,63 | | 2,63,915 | 1126,85 | 918,10 | OF WHICH : | 1. Artisans & Village Industries | 4,887 | 2,79 | 2,36 | | 3 | 6 | 6 | | 13,073 | 16,34 | 12,25 |
| 2. Other Small Scale Industries
| 487
| 83
| 71
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| -
| -
| -
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| 7,382
| 178,50
| 148,69
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