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Date : Mar 01, 1996

Table No. 5.8 - State and Population Group-Wise Classification of Small Borrowal Accounts of Scheduled Commercial Banks According to Occupation
March 1996 (Part 1 of 8)

NORTHERN REGION
STATE : HARYANA								(Amount in Rupees Lakh)
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			2,35,163	147,13	81,123	54,69	35,776	22,30	3,52,062	224,12
	1.	Direct Finance		2,33,298	145,82	79,776	53,90	33,990	21,54	3,47,064	221,26
	2.	Indirect Finance		1,865	1,32	1,347	78	1,786	76	4,998	2,86

II.	INDUSTRY			24,712	17,00	10,354	12,28	11,648	15,85	46,714	45,13
	1.	Food Manufacturing & Processing		39	8	56	8	106	17	201	33
	2.	Other Industries		24,673	16,92	10,298	12,20	11,542	15,68	46,513	44,80

III.	TRANSPORT OPERATORS			20,315	13,22	5,229	3,30	2,960	2,68	28,504	19,20

IV.	PROFESSIONAL AND OTHER SERVICES			6,155	4,26	6,909	4,30	9,779	7,43	22,843	15,99

V.	PERSONAL LOANS			34,470	36,52	32,772	29,16	41,840	43,81	1,09,082	109,48
	1.	Loans for Purchase of Consumer Durables		1,506	1,41	989	98	2,142	2,41	4,637	4,79
	2.	Loans for Housing		1,422	2,77	2,296	2,75	1,500	2,61	5,218	8,13
	3.	Rest of the Personal Loans		31,542	32,34	29,487	25,42	38,198	38,79	99,227	96,55

VI.	TRADE			71,900	49,28	37,223	29,10	37,659	30,65	1,46,782	109,03
	1.	Wholesale Trade		1,873	1,78	613	1,05	402	53	2,888	3,37
	2.	Retail Trade		70,027	47,50	36,610	28,05	37,257	30,11	1,43,894	105,66

VII.	ALL OTHERS			21,053	17,14	22,420	18,19	40,135	54,40	83,608	89,73
TOTAL BANK CREDIT				4,13,768	284,56	1,96,030	151,02	1,79,797	177,10	7,89,595	612,68
OF WHICH: 1.			Artisans & Village Industries	20,787	11,86	4,320	3,73	2,361	1,83	27,468	17,43
2.			Other Small Scale Industries	3,707	4,76	4,878	6,57	7,304	11,21	15,889	22,54

STATE : HIMACHAL PRADESH
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			86,225	48,45	6,409	3,60	-	-	92,634	52,04
	1.	Direct Finance		85,297	47,63	6,015	3,38	-	-	91,312	51,01
	2.	Indirect Finance		928	82	394	22	-	-	1,322	1,03

II.	INDUSTRY			15,484	11,00	1,817	2,13	-	-	17,301	13,14
	1.	Food Manufacturing & Processing		226	14	24	2	-	-	250	16
	2.	Other Industries		15,258	10,86	1,793	2,11	-	-	17,051	12,97

III.	TRANSPORT OPERATORS			1,274	1,86	256	37	-	-	1,530	2,23

IV.	PROFESSIONAL AND OTHER SERVICES			6,291	4,03	1,628	1,27	-	-	7,919	5,30

V.	PERSONAL LOANS			32,382	35,97	10,341	12,37	-	-	42,723	48,35
	1.	Loans for Purchase of Consumer Durables		1,345	1,39	931	92	-	-	2,276	2,32
	2.	Loans for Housing		1,781	2,65	668	1,33	-	-	2,449	3,97
	3.	Rest of the Personal Loans		29,256	31,93	8,742	10,12	-	-	37,998	42,06

VI.	TRADE			28,647	30,20	5,151	5,05	-	-	33,798	35,25
	1.	Wholesale Trade		275	24	37	4	-	-	312	27
	2.	Retail Trade		28,372	29,96	5,114	5,02	-	-	33,486	34,98

VII.	ALL OTHERS			22,727	19,40	5,827	7,77	-	-	28,554	27,16
TOTAL BANK CREDIT				1,93,030	150,90	31,429	32,57	-	-	2,24,459	183,47
OF WHICH: 1.			Artisans & Village Industries	11,746	7,15	866	78	-	-	12,612	7,94
2.			Other Small Scale Industries	3,315	3,29	861	1,16	-	-	4,176	4,45

STATE : JAMMU & KASHMIR
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			63,920	29,43	10,457	5,42	5,117	3,10	79,494	37,95
	1.	Direct Finance		63,309	29,08	10,432	5,42	4,814	2,81	78,555	37,30
	2.	Indirect Finance		611	35	25	1	303	29	939	64

II.	INDUSTRY			23,192	10,41	4,066	2,22	6,459	8,92	33,717	21,55
	1.	Food Manufacturing & Processing		148	10	3	-	66	19	217	30
	2.	Other Industries		23,044	10,31	4,063	2,22	6,393	8,73	33,500	21,25

III.	TRANSPORT OPERATORS			4,803	3,38	573	34	787	93	6,163	4,65

IV.	PROFESSIONAL AND OTHER SERVICES			4,794	4,94	1,426	1,85	25,937	41,89	32,157	48,68

V.	PERSONAL LOANS			13,757	12,88	3,924	3,98	43,719	54,38	61,400	71,24
	1.	Loans for Purchase of Consumer Durables		692	48	410	31	18,685	29,42	19,787	30,20
	2.	Loans for Housing		689	1,52	89	23	1,069	2,63	1,847	4,38
	3.	Rest of the Personal Loans		12,376	10,89	3,425	3,44	23,965	22,32	39,766	36,65

VI.	TRADE			27,294	20,72	5,814	5,22	8,749	12,24	41,857	38,17
	1.	Wholesale Trade		619	34	129	5	354	54	1,102	93
	2.	Retail Trade		26,675	20,37	5,685	5,17	8,395	11,70	40,755	37,25

VII.	ALL OTHERS			11,981	7,22	2,978	3,14	38,150	57,92	53,109	68,28
TOTAL BANK CREDIT				1,49,741	88,98	29,238	22,17	1,28,918	179,37	3,07,897	290,52
OF WHICH: 1.			Artisans & Village Industries	19,556	6,75	2,517	92	2,810	2,55	24,883	10,22
2.			Other Small Scale Industries	3,081	3,39	1,514	1,24	3,459	6,04	8,054	10,67

STATE : PUNJAB
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			2,86,546	243,28	1,47,077	139,40	34,786	39,06	4,68,409	421,74
	1.	Direct Finance		2,83,897	240,30	1,45,352	136,18	34,003	37,91	4,63,252	414,39
	2.	Indirect Finance		2,649	2,98	1,725	3,22	783	1,15	5,157	7,34

II.	INDUSTRY			29,991	20,44	15,507	17,18	19,463	31,11	64,961	68,73
	1.	Food Manufacturing & Processing		282	19	90	14	156	26	528	59
	2.	Other Industries		29,709	20,25	15,417	17,04	19,307	30,85	64,433	68,14

III.	TRANSPORT OPERATORS			17,144	12,50	8,004	5,28	3,385	2,63	28,533	20,40

IV.	PROFESSIONAL AND OTHER SERVICES			8,995	7,17	8,117	7,06	9,724	10,31	26,836	24,54

V.	PERSONAL LOANS			43,144	47,58	46,157	49,32	70,954	73,68	1,60,255	170,58
	1.	Loans for Purchase of Consumer Durables		1,211	1,41	2,169	2,41	2,926	2,81	6,306	6,63
	2.	Loans for Housing		1,610	3,43	3,663	4,64	3,967	6,83	9,240	14,90
	3.	Rest of the Personal Loans		40,323	42,74	40,325	42,27	64,061	64,04	1,44,709	149,05

VI.	TRADE			71,325	53,27	52,571	42,02	40,890	39,72	1,64,786	135,02
	1.	Wholesale Trade		1,794	3,11	976	1,17	943	1,26	3,713	5,54
	2.	Retail Trade		69,531	50,16	51,595	40,85	39,947	38,46	1,61,073	129,47

VII.	ALL OTHERS			30,972	35,15	38,752	53,43	67,778	102,11	1,37,502	190,70
TOTAL BANK CREDIT				4,88,117	419,39	3,16,185	313,69	2,46,980	298,63	10,51,282	1031,70
OF WHICH: 1.			Artisans & Village Industries	20,225	12,18	6,685	6,24	2,016	1,98	28,926	20,40
2.			Other Small Scale Industries	8,354	7,06	8,089	10,19	14,841	23,76	31,284	41,01

NORTHERN REGION
STATE : RAJASTHAN								(Amount in Rupees Lakh)
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			6,41,066	387,37	2,34,185	159,07	28,905	20,00	9,04,156	566,44
	1.	Direct Finance		6,34,027	381,92	2,29,551	154,99	27,672	18,55	8,91,250	555,46
	2.	Indirect Finance		7,039	5,46	4,634	4,08	1,233	1,44	12,906	10,98

II.	INDUSTRY			91,064	46,82	48,535	36,94	21,001	25,86	1,60,600	109,62
	1.	Food Manufacturing & Processing		311	22	196	44	152	17	659	83
	2.	Other Industries		90,753	46,60	48,339	36,50	20,849	25,69	1,59,941	108,79

III.	TRANSPORT OPERATORS			20,233	12,73	7,301	5,03	3,442	4,23	30,976	22,00

IV.	PROFESSIONAL AND OTHER SERVICES			27,998	14,83	23,695	14,20	17,231	12,10	68,924	41,13

V.	PERSONAL LOANS			83,597	82,52	82,910	86,06	1,01,312	110,21	2,67,819	278,78
	1.	Loans for Purchase of Consumer Durables		2,777	3,07	4,570	5,30	11,455	12,47	18,802	20,83
	2.	Loans for Housing		13,369	8,16	10,736	7,36	4,851	6,64	28,956	22,16
	3.	Rest of the Personal Loans		67,451	71,29	67,604	73,40	85,006	91,10	2,20,061	235,80

VI.	TRADE			1,37,313	88,33	1,02,491	72,03	51,118	47,10	2,90,922	207,46
	1.	Wholesale Trade		5,037	4,45	1,699	1,32	1,737	2,30	8,473	8,08
	2.	Retail Trade		1,32,276	83,88	1,00,792	70,71	49,381	44,80	2,82,449	199,38

VII.	ALL OTHERS			39,459	40,16	35,038	39,71	51,725	68,53	1,26,222	148,41
TOTAL BANK CREDIT				10,40,730	672,76	5,34,155	413,04	2,74,734	288,03	18,49,619	1373,83
OF WHICH: 1.			Artisans & Village Industries	76,922	36,22	29,979	18,23	5,623	4,35	1,12,524	58,80
2.			Other Small Scale Industries	12,725	9,72	16,474	16,55	13,503	17,33	42,702	43,60

STATE : CHANDIGARH
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			1,061	49	551	31	2,747	2,40	4,359	3,20
	1.	Direct Finance		776	43	536	30	2,189	1,75	3,501	2,48
	2.	Indirect Finance		285	6	15	1	558	64	858	71

II.	INDUSTRY			162	16	95	11	2,441	5,43	2,698	5,70
	1.	Food Manufacturing & Processing		2	1	-	-	141	31	143	31
	2.	Other Industries		160	15	95	11	2,300	5,13	2,555	5,39

III.	TRANSPORT OPERATORS			27	3	20	2	1,140	1,88	1,187	1,93

IV.	PROFESSIONAL AND OTHER SERVICES			97	11	271	16	930	1,13	1,298	1,40

V.	PERSONAL LOANS			751	84	788	72	16,647	18,33	18,186	19,88
	1.	Loans for Purchase of Consumer Durables		70	9	72	9	854	1,03	996	1,20
	2.	Loans for Housing		79	7	317	34	536	61	932	1,02
	3.	Rest of the Personal Loans		602	68	399	29	15,257	16,69	16,258	17,66

VI.	TRADE			455	37	449	29	5,704	7,10	6,608	7,76
	1.	Wholesale Trade		-	-	1	-	119	11	120	12
	2.	Retail Trade		455	37	448	29	5,585	6,98	6,488	7,64

VII.	ALL OTHERS			115	9	507	1,06	11,221	19,93	11,843	21,09
TOTAL BANK CREDIT				2,668	2,10	2,681	2,67	40,830	56,19	46,179	60,95
OF WHICH: 1.			Artisans & Village Industries	32	2	5	1	106	8	143	11
2.			Other Small Scale Industries	130	14	89	10	457	1,13	676	1,38

STATE : DELHI
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			2,046	1,02	445	17	7,101	5,48	9,592	6,67
	1.	Direct Finance		2,044	1,01	445	17	3,744	2,14	6,233	3,32
	2.	Indirect Finance		2	-	-	-	3,357	3,35	3,359	3,35

II.	INDUSTRY			183	38	749	47	9,356	16,03	10,288	16,88
	1.	Food Manufacturing & Processing		-	-	-	-	56	8	56	8
	2.	Other Industries		183	38	749	47	9,300	15,95	10,232	16,80

III.	TRANSPORT OPERATORS			148	31	41	3	3,656	4,41	3,845	4,74

IV.	PROFESSIONAL AND OTHER SERVICES			238	20	177	13	10,257	11,13	10,672	11,46

V.	PERSONAL LOANS			4,803	4,88	1,588	1,51	4,02,133	324,63	4,08,524	331,01
	1.	Loans for Purchase of Consumer Durables		103	9	15	2	12,904	9,57	13,022	9,67
	2.	Loans for Housing		197	9	13	2	6,813	8,99	7,023	9,10
	3.	Rest of the Personal Loans		4,503	4,70	1,560	1,47	3,82,416	306,07	3,88,479	312,24

VI.	TRADE			2,994	2,38	835	65	34,540	31,36	38,369	34,38
	1.	Wholesale Trade		104	8	2	-	2,171	3,83	2,277	3,91
	2.	Retail Trade		2,890	2,30	833	64	32,369	27,53	36,092	30,47

VII.	ALL OTHERS			2,996	3,43	1,198	1,39	1,35,190	196,41	1,39,384	201,22
TOTAL BANK CREDIT				13,408	12,58	5,033	4,35	6,02,233	589,44	6,20,674	606,37
OF WHICH: 1.			Artisans & Village Industries	7	1	46	3	1,102	77	1,155	81
2.			Other Small Scale Industries	157	27	609	27	5,957	10,25	6,723	10,79

NORTH - EASTERN REGION
STATE : ARUNACHAL PRADESH
				RURAL		SEMI-URBAN		URBAN/		ALL-INDIA
								METROPOLITAN
		OCCUPATION		No. of	Amount	No. of	Amount	No. of	Amount	No. of	Amount
				Accounts	Out-	Accounts	Out-	Accounts	Out-	Accounts	Out-
					standing		standing		standing		standing
				1	2	3	4	5	6	7	8
I.	AGRICULTURE			14,252	4,43	35	1	-	-	14,287	4,44
	1.	Direct Finance		14,057	4,38	35	1	-	-	14,092	4,40
	2.	Indirect Finance		195	5	-	-	-	-	195	5

II.	INDUSTRY			2,101	94	8	1	-	-	2,109	95
	1.	Food Manufacturing & Processing		127	7	-	-	-	-	127	7
	2.	Other Industries		1,974	87	8	1	-	-	1,982	87

III.	TRANSPORT OPERATORS			164	15	-	-	-	-	164	15

IV.	PROFESSIONAL AND OTHER SERVICES			993	42	1	-	-	-	994	42

V.	PERSONAL LOANS			4,913	3,38	122	7	-	-	5,035	3,45
	1.	Loans for Purchase of Consumer Durables		131	16	3	-	-	-	134	17
	2.	Loans for Housing		36	2	-	-	-	-	36	2
	3.	Rest of the Personal Loans		4,746	3,19	119	7	-	-	4,865	3,26

VI.	TRADE			1,366	61	16	1	-	-	1,382	62
	1.	Wholesale Trade		29	1	-	-	-	-	29	1
	2.	Retail Trade		1,337	60	16	1	-	-	1,353	61

VII.	ALL OTHERS			663	43	-	-	-	-	663	43
TOTAL BANK CREDIT				24,452	10,36	182	11	-	-	24,634	10,46
OF WHICH: 1.			Artisans & Village Industries	595	22	-	-	-	-	595	22
2.			Other Small Scale Industries	1,159	55	8	1	-	-	1,167	56