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Date : Mar 01, 1996

Karnataka

Table No.5.7 - State and Population Group-Wise Classification of Outstanding
Credit of Scheduled Commercial Banks According to Occupation

SOUTHERN REGION
									(Amount in Rupees Lakh)
						RURAL			SEMI-URBAN
			OCCUPATION			No. of	Credit	Amount	No. of	Credit	Amount
						Accounts	Limit	Outstanding	Accounts	Limit	Outstanding
						1	2	3	4	5	6
I.	AGRICULTURE					12,21,785	1522,59	1444,77	5,28,723	927,10	851,76
	1.		Direct Finance			12,05,220	1446,24	1383,06	5,20,334	860,17	799,90
	2.		Indirect Finance			16,565	76,35	61,71	8,389	66,92	51,86
II.	INDUSTRY					74,198	457,73	379,88	62,707	584,07	505,04
	1.		Mining & Quarrying			199	12,41	4,93	354	22,60	19,77
	2.		Food Manufacturing and Processing			2,804	86,42	69,51	2,583	156,39	111,16
			(a)	Rice Mills, Flour and Dal Mills		686	9,67	8,41	681	20,54	17,47
			(b)	Sugar		47	32,75	25,92	19	17,59	17,75
			(c)	Edible Oils and Vanaspati		198	4,21	3,62	345	14,75	12,88
			(d)	Tea Processing		5	1,81	1,82	1	1	-
			(e)	Processing of Fruits & Vegetables		74	86	80	32	1,06	67
			(f)	Others		1,794	37,13	28,95	1,505	102,44	62,40
	3.		Beverage and Tobacco			107	3,71	2,09	245	10,66	8,61
	4.		Textiles			797	64,51	52,35	1,729	36,50	30,33
			(a)	Cotton Textiles		157	15,41	13,82	313	17,04	15,61
			(b)	Jute Textiles		4	2	2	17	10	8
			(c)	Handloom Textiles & Khadi		86	39	39	103	1,23	1,06
			(d)	Other Textiles		550	48,69	38,11	1,296	18,14	13,59
	5.		Paper, Paper Products and Printing			217	12,79	4,67	582	32,08	30,47
	6.		Leather and Leather Products			67	84	44	146	99	92
	7.		Rubber and Rubber Products			56	2,92	2,83	106	3,21	2,82
	8.		Chemicals and Chemical Products			243	18,18	14,57	555	37,06	34,66
			(a)	Heavy Industrial Chemicals		20	2,87	2,61	46	16,86	16,03
			(b)	Fertilizers		10	4,60	3,95	13	47	40
			(c)	Drugs and Pharmaceuticals		50	2,28	1,79	76	5,25	6,94
			(d)	Non-Edible Oils		12	9	10	13	83	38
			(e)	Other Chemicals & Chemical Products		151	8,34	6,13	407	13,65	10,90
	9.		Petroleum, Coal Products & Nuclear Fuels			24	1,62	1,12	33	71	57
	10.		Manufacture of Cement & Cement Products			75	15,22	5,31	133	11,94	11,10
	11.		Basic Metals & Metal Products			390	22,38	22,67	778	41,09	40,79
			(a)	Iron and Steel		87	13,92	15,29	152	26,99	27,66
			(b)	Non-Ferrous Metals		22	93	91	68	2,20	1,55
			(c)	Other Metal Products		281	7,52	6,47	558	11,91	11,57
	12.		Engineering			541	84,21	77,52	858	93,42	87,41
			(a)	Heavy Engineering		100	44,52	44,04	138	20,17	17,96
			(b)	Light Engineering		239	24,75	21,69	345	52,88	51,42
			(c)	Electrical Machinery & Goods		118	6,08	5,12	219	5,65	5,51
			(d)	Electronic Machinery & Goods		84	8,87	6,67	156	14,72	12,52
	13.		Vehicles, Vehicle Parts & Transport
			Equipments			598	17,18	14,31	540	9,55	7,49
	14.		Other Industries			67,755	104,59	99,17	53,607	116,00	108,48
	15.		Electricity, Gas & Water			41	5,84	4,56	77	1,16	1,11
			(a)	Electricity Generation & Transmission		34	5,65	4,40	60	94	90
			(b)	Non-Conventional Energy		5	11	9	6	11	11
			(c)	Gas, Steam & Water Supply		2	9	7	11	11	10
	16.		Construction			284	4,92	3,82	381	10,69	9,33
III.	TRANSPORT OPERATORS					17,560	122,34	101,03	15,260	131,98	105,91
IV.	PROFESSIONAL AND OTHER SERVICES					92,844	79,71	72,68	64,539	132,92	116,60
V.	PERSONAL LOANS					2,48,686	326,56	295,08	2,50,802	507,43	452,88
	1.		Loans for Purchase of Consumer Durables			11,676	14,85	12,38	17,235	26,40	23,12
	2.		Loans for Housing			10,601	61,54	56,12	17,057	137,55	123,84
	3.		Rest of the Personal Loans			2,26,409	250,17	226,58	2,16,510	343,48	305,92
VI.	TRADE					2,46,430	271,52	246,17	1,61,709	373,64	311,64
	1.		Wholesale Trade			6,810	47,67	41,60	5,961	110,33	79,43
	2.		Retail Trade			2,39,620	223,85	204,57	1,55,748	263,31	232,21
VII.	FINANCE					81	16,17	14,45	359	97,80	50,82
VIII.		ALL OTHERS				2,07,598	184,92	176,47	1,37,615	160,37	141,19
TOTAL BANK CREDIT						21,09,182	2981,54	2730,51	12,21,714	2915,29	2535,85
OF WHICH :					1. Artisans & Village Industries	46,485	34,81	33,25	21,357	28,67	25,09
					2. Other Small Scale Industries	22,894	109,54	93,52	29,956	203,16	168,78


						URBAN			METROPOLITAN
			OCCUPATION			No. of	Credit	Amount	No. of	Credit	Amount
						Accounts	Limit	Outstanding	Accounts	Limit	Outstanding
						7	8	9	10	11	12
I.	AGRICULTURE					1,07,536	301,58	269,26	20,047	355,22	262,49
	1.		Direct Finance			1,03,922	230,56	209,06	18,731	121,03	103,92
	2.		Indirect Finance			3,614	71,02	60,21	1,316	234,19	158,58
II.	INDUSTRY					31,844	1266,30	1063,63	33,079	6976,59	5431,98
	1.		Mining & Quarrying			229	21,91	21,65	421	147,51	141,43
	2.		Food Manufacturing and Processing			1,928	189,83	150,85	906	407,34	306,78
			(a)	Rice Mills, Flour and Dal Mills		492	29,10	24,51	42	11,75	9,13
			(b)	Sugar		19	53,11	44,60	37	50,38	41,95
			(c)	Edible Oils and Vanaspati		205	20,41	13,66	28	11,46	10,42
			(d)	Tea Processing		8	18	14	32	202,74	150,85
			(e)	Processing of Fruits & Vegetables		23	92	1,13	86	22,14	18,85
			(f)	Others		1,181	86,12	66,82	681	108,87	75,57
	3.		Beverage and Tobacco			163	60,07	55,22	183	160,06	127,99
	4.		Textiles			928	57,24	52,80	2,656	922,49	673,05
			(a)	Cotton Textiles		266	40,16	37,64	295	286,10	216,93
			(b)	Jute Textiles		9	11	10	12	6,50	6,47
			(c)	Handloom Textiles & Khadi		31	87	45	39	8,72	8,94
			(d)	Other Textiles		622	16,10	14,60	2,310	621,16	440,72
	5.		Paper, Paper Products and Printing			747	41,65	40,28	1,338	116,41	85,64
	6.		Leather and Leather Products			162	1,93	1,74	383	138,08	108,36
	7.		Rubber and Rubber Products			294	77,03	55,62	273	33,95	26,85
	8.		Chemicals and Chemical Products			938	143,51	113,33	2,146	476,27	400,35
			(a)	Heavy Industrial Chemicals		63	4,39	3,90	153	38,56	26,56
			(b)	Fertilizers		25	21,19	21,49	64	103,09	96,24
			(c)	Drugs and Pharmaceuticals		183	61,30	39,87	395	163,75	139,90
			(d)	Non-Edible Oils		43	12,22	6,71	23	1,11	1,04
			(e)	Other Chemicals & Chemical Products		624	44,41	41,35	1,511	169,77	136,61
	9.		Petroleum, Coal Products & Nuclear Fuels			408	24,99	23,65	80	8,43	7,02
	10.		Manufacture of Cement & Cement Products			205	33,39	32,55	170	29,86	31,27
	11.		Basic Metals & Metal Products			1,528	164,40	133,71	2,789	521,93	424,48
			(a)	Iron and Steel		532	102,22	80,84	793	280,64	234,96
			(b)	Non-Ferrous Metals		74	25,44	18,37	177	44,75	34,33
			(c)	Other Metal Products		922	36,75	34,51	1,819	196,53	155,19
	12.		Engineering			1,432	143,25	114,04	6,459	2993,81	2307,11
			(a)	Heavy Engineering		173	33,80	28,31	693	622,64	467,60
			(b)	Light Engineering		674	68,10	55,31	2,904	803,64	683,08
			(c)	Electrical Machinery & Goods		313	23,43	18,09	1,384	427,83	322,07
			(d)	Electronic Machinery & Goods		272	17,92	12,34	1,478	1139,70	834,35
	13.		Vehicles, Vehicle Parts & Transport
			Equipments			641	69,40	66,00	943	354,58	234,92
	14.		Other Industries			21,518	203,81	170,38	13,006	451,80	391,74
	15.		Electricity, Gas & Water			75	5,92	5,42	151	85,27	68,95
			(a)	Electricity Generation & Transmission		62	4,94	4,43	81	82,63	66,65
			(b)	Non-Conventional Energy		7	80	80	16	90	74
			(c)	Gas, Steam & Water Supply		6	18	19	54	1,73	1,56
	16.		Construction			648	27,96	26,38	1,175	128,80	96,05
III.	TRANSPORT OPERATORS					11,586	112,17	89,35	7,846	88,36	74,15
IV.	PROFESSIONAL AND OTHER SERVICES					34,167	192,40	167,37	29,767	455,93	379,33
V.	PERSONAL LOANS					1,91,307	591,35	520,27	2,06,602	851,82	726,29
	1.		Loans for Purchase of Consumer Durables			17,999	29,59	26,43	38,556	74,00	58,03
	2.		Loans for Housing			18,868	213,62	192,50	17,341	193,94	174,12
	3.		Rest of the Personal Loans			1,54,440	348,14	301,35	1,50,705	583,87	494,15
VI.	TRADE					74,648	383,63	314,35	53,362	729,83	588,10
	1.		Wholesale Trade			3,682	136,80	104,70	5,046	458,66	366,81
	2.		Retail Trade			70,966	246,83	209,65	48,316	271,17	221,29
VII.	FINANCE					392	118,60	97,81	863	576,82	486,46
VIII.		ALL OTHERS				88,690	248,09	223,70	1,13,517	857,04	767,20
TOTAL BANK CREDIT						5,40,170	3214,12	2745,74	4,65,083	10891,61	8716,00
OF WHICH :					1. Artisans & Village Industries	4,847	11,83	10,20	1,815	14,49	10,35
					2. Other Small Scale Industries	18,008	354,54	306,88	20,469	1142,44	958,46