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Date : Mar 01, 1996

Himachal Pradesh

Table No. 5. 9 - District-Wise Classification of Outstanding Credit of
Scheduled Commercial Banks According to Occupation - March 1996

NORTHERN REGION										(Amount in Rupees Thousand)

					BILASPUR		CHAMBA		HAMIRPUR		KANGRA
	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				4,661	3,97,37	5,500	2,75,02	4,811	4,08,19	18,967	14,80,86
	1.	Direct Finance			4,583	3,57,29	5,390	2,68,48	4,774	4,05,28	18,834	14,61,24
	2.	Indirect Finance			78	40,08	110	6,54	37	2,91	133	19,62
II.	INDUSTRY				918	2,26,89	1,658	6,62,30	1,636	3,74,14	4,534	26,78,88
	1.	Mining & Quarrying			1	2,06	3	2,51	7	13,61	6	13,34
	2.	Manufacturing & Processing			917	2,24,83	1,642	6,56,42	1,621	3,53,85	4,498	25,99,19
	3.	Electricity, Gas & Water			-	-	-	-	2	2,05	8	38,93
	4.	Construction			-	-	13	3,37	6	4,63	22	27,42
III.	TRANSPORT OPERATORS				551	7,21,82	306	3,81,92	531	5,66,17	1,336	15,38,31
IV.	PROFESSIONAL AND OTHER SERVICES				255	40,04	200	47,56	519	76,42	1,729	3,68,20
V.	PERSONAL LOANS				2,000	4,66,53	1,894	4,41,70	4,781	13,12,63	11,312	27,00,33
	1.	Loans for Purchase of Consumer Durables			25	5,36	161	15,63	59	6,68	438	43,62
	2.	Loans for Housing			314	2,05,04	88	45,33	367	3,83,35	1,043	8,19,81
	3.	Rest of the Personal Loans			1,661	2,56,13	1,645	3,80,74	4,355	9,22,60	9,831	18,36,90
VI.	TRADE				2,031	4,60,12	3,399	7,00,71	3,006	8,35,61	7,642	16,59,76
	1.	Wholesale Trade			124	98,40	12	12,73	57	47,96	179	2,59,95
	2.	Retail Trade			1,907	3,61,72	3,387	6,87,98	2,949	7,87,65	7,463	13,99,81
VII.	FINANCE				-	-	2	54,28	-	-	10	4,02
VIII.	ALL OTHERS				1,641	2,15,75	1,489	1,18,03	3,053	2,30,97	4,595	5,92,81
TOTAL BANK CREDIT					12,057	25,28,52	14,448	26,81,52	18,337	38,04,13	50,125	110,23,17
OF WHICH:			1.	Artisans & Village Industries	557	70,51	1,284	82,21	906	87,53	2,905	2,86,64
			2.	Other Small Scale Industries	201	65,52	280	99,61	543	1,69,86	1,197	10,10,01


					KINNAUR		KULU		LAHUL & SPITI		MANDI
	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
					9	10	11	12	13	14	15	16
I.	AGRICULTURE				1,771	1,48,58	8,052	9,64,71	566	55,66	17,424	12,14,51
	1.	Direct Finance			1,716	1,43,45	7,811	9,35,36	566	55,66	17,307	12,07,19
	2.	Indirect Finance			55	5,13	241	29,35	-	-	117	7,32
II.	INDUSTRY				292	10,63,97	2,523	7,67,29	128	11,63	4,952	8,00,77
	1.	Mining & Quarrying			-	-	5	2,35	-	-	36	41,69
	2.	Manufacturing & Processing			290	35,92	2,494	6,20,98	128	11,63	4,906	7,02,08
	3.	Electricity, Gas & Water			2	10,28,05	2	2,37	-	-	2	49,39
	4.	Construction			-	-	22	1,41,59	-	-	8	7,61
III.	TRANSPORT OPERATORS				138	1,57,41	886	6,65,16	41	40,80	1,517	14,06,11
IV.	PROFESSIONAL AND OTHER SERVICES				229	14,58	664	2,78,73	49	24,71	778	1,38,77
V.	PERSONAL LOANS				453	1,43,01	3,138	9,85,13	221	32,59	10,950	17,31,76
	1.	Loans for Purchase of Consumer Durables			9	89	186	21,82	-	-	712	77,88
	2.	Loans for Housing			64	32,07	244	1,89,06	1	1,66	1,037	5,03,16
	3.	Rest of the Personal Loans			380	1,10,05	2,708	7,74,25	220	30,93	9,201	11,50,72
VI.	TRADE				532	1,45,80	2,977	8,67,81	75	71,07	7,654	16,11,58
	1.	Wholesale Trade			11	20,00	123	89,13	-	-	124	64,38
	2.	Retail Trade			521	1,25,80	2,854	7,78,68	75	71,07	7,530	15,47,20
VII.	FINANCE				-	-	1	-	-	-	33	1,73,57
VIII.	ALL OTHERS				333	31,72	1,067	1,59,15	18	73	5,437	4,04,20
TOTAL BANK CREDIT					3,748	17,05,07	19,308	46,87,98	1,098	2,37,19	48,745	74,81,27
OF WHICH:			1.	Artisans & Village Industries	243	18,98	1,583	1,10,21	53	5,51	3,608	2,20,44
			2.	Other Small Scale Industries	30	8,95	453	2,21,64	70	3,78	1,097	3,72,68


					SIMLA		SIRMAUR		SOLAN		UNA
	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
					17	18	19	20	21	22	23	24
I.	AGRICULTURE				15,368	22,39,38	6,915	4,59,75	7,973	15,19,37	5,448	6,86,53
	1.	Direct Finance			15,319	16,37,79	6,580	4,31,94	7,781	13,10,96	5,370	6,67,50
	2.	Indirect Finance			49	6,01,59	335	27,81	192	2,08,41	78	19,03
II.	INDUSTRY				1,755	48,40,31	860	27,56,67	2,101	184,17,14	1,735	22,01,28
	1.	Mining & Quarrying			10	33,92	36	77,96	5	4,45	4	7,74
	2.	Manufacturing & Processing			1,700	17,15,60	822	26,78,13	2,081	183,68,82	1,730	21,84,37
	3.	Electricity, Gas & Water			19	28,46,23	-	-	4	21,15	-	-
	4.	Construction			26	2,44,56	2	58	11	22,72	1	9,17
III.	TRANSPORT OPERATORS				1,204	13,05,72	380	4,10,64	967	14,13,72	592	7,60,66
IV.	PROFESSIONAL AND OTHER SERVICES				2,375	9,72,13	799	53,52	852	3,15,73	517	85,38
V.	PERSONAL LOANS				8,609	29,96,24	1,816	7,80,98	5,555	16,41,55	4,507	12,03,77
	1.	Loans for Purchase of Consumer Durables			335	57,41	102	17,34	257	28,39	73	10,26
	2.	Loans for Housing			1,602	10,19,04	380	3,35,01	876	6,69,57	291	2,19,78
	3.	Rest of the Personal Loans			6,672	19,19,79	1,334	4,28,63	4,422	9,43,59	4,143	9,73,73
VI.	TRADE				6,121	20,60,41	2,503	14,33,92	3,558	51,83,67	2,470	6,59,91
	1.	Wholesale Trade			130	1,42,70	48	64,05	147	21,91,71	72	59,08
	2.	Retail Trade			5,991	19,17,71	2,455	13,69,87	3,411	29,91,96	2,398	6,00,83
VII.	FINANCE				19	2,30,85	-	-	-	-	1	53
VIII.	ALL OTHERS				5,273	20,27,72	838	1,91,41	2,857	6,42,26	2,081	1,69,83
TOTAL BANK CREDIT					40,724	166,72,76	14,111	60,86,89	23,863	291,33,44	17,351	57,67,89
OF WHICH:			1.	Artisans & Village Industries	684	65,54	141	71,17	458	80,87	651	1,25,18
			2.	Other Small Scale Industries	752	6,50,49	552	18,75,84	1,291	90,34,87	916	13,55,71

NORTHERN REGION
STATE : JAMMU & KASHMIR
					ANANTNAG		BADGAM		BARAMULLA		DODA
	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				5,200	2,76,78	6,944	2,73,31	13,317	11,54,77	5,221	3,08,22
	1.	Direct Finance			5,196	2,64,40	6,873	2,61,65	13,225	11,13,71	5,221	3,08,22
	2.	Indirect Finance			4	12,38	71	11,66	92	41,06	-	-
II.	INDUSTRY				3,482	4,96,48	6,025	7,49,68	4,789	4,60,51	670	1,52,22
	1.	Mining & Quarrying			3	1,55	-	-	4	23,29	3	4,55
	2.	Manufacturing & Processing			3,453	4,61,74	6,006	7,15,47	4,767	4,20,26	665	1,44,31
	3.	Electricity, Gas & Water			-	-	-	-	1	1,32	-	-
	4.	Construction			26	33,19	19	34,21	17	15,64	2	3,36
III.	TRANSPORT OPERATORS				964	5,00,51	433	3,45,83	2,091	5,62,65	246	1,33,76
IV.	PROFESSIONAL AND OTHER SERVICES				569	2,54,65	1,431	1,65,56	1,192	1,95,80	341	92,67
V.	PERSONAL LOANS				2,584	5,34,09	1,836	4,83,28	1,982	2,82,55	1,083	2,01,14
	1.	Loans for Purchase of Consumer Durables			70	4,91	74	4,62	368	20,90	17	2,21
	2.	Loans for Housing			318	1,76,04	321	3,00,27	132	97,49	82	55,51
	3.	Rest of the Personal Loans			2,196	3,53,14	1,441	1,78,39	1,482	1,64,16	984	1,43,42
VI.	TRADE				3,969	6,31,46	2,274	4,46,29	6,826	8,15,49	3,590	4,55,64
	1.	Wholesale Trade			369	96,56	105	63,96	94	85,34	28	10,57
	2.	Retail Trade			3,600	5,34,90	2,169	3,82,33	6,732	7,30,15	3,562	4,45,07
VII.	FINANCE				-	-	2	2,18,66	-	-	-	-
VIII.	ALL OTHERS				1,231	1,26,42	894	77,93	2,169	1,63,30	452	33,97
TOTAL BANK CREDIT					17,999	28,20,39	19,839	27,60,54	32,366	36,35,07	11,603	13,77,62
OF WHICH:			1.	Artisans & Village Industries	2,670	1,26,91	4,808	2,66,36	3,929	1,39,79	361	23,41
			2.	Other Small Scale Industries	697	2,36,91	908	2,69,84	738	2,42,45	247	80,74


					JAMMU		KARGIL		KATHUA		KUPWARA
	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
					9	10	11	12	13	14	15	16
I.	AGRICULTURE				14,193	16,13,60	154	8,51	4,495	5,12,84	5,835	3,03,96
	1.	Direct Finance			13,677	15,16,48	154	8,51	4,462	5,06,59	5,829	2,97,38
	2.	Indirect Finance			516	97,12	-	-	33	6,25	6	6,58
II.	INDUSTRY				3,963	110,39,64	121	13,77	1,043	28,75,84	1,893	1,45,56
	1.	Mining & Quarrying			42	7,14,13	-	-	3	4,78	-	-
	2.	Manufacturing & Processing			3,876	102,00,31	121	13,77	1,029	27,92,41	1,890	1,43,83
	3.	Electricity, Gas & Water			11	55,83	-	-	2	39	3	1,73
	4.	Construction			34	69,37	-	-	9	78,26	-	-
III.	TRANSPORT OPERATORS				3,875	34,40,97	36	46,87	518	5,72,22	591	1,42,42
IV.	PROFESSIONAL AND OTHER SERVICES				1,200	7,90,92	63	4,23	117	59,19	93	9,90
V.	PERSONAL LOANS				15,701	49,88,52	64	25,23	2,112	4,99,12	526	75,26
	1.	Loans for Purchase of Consumer Durables			1,120	1,35,27	-	-	67	13,74	25	1,41
	2.	Loans for Housing			2,587	19,37,13	2	2,02	166	1,35,06	26	26,54
	3.	Rest of the Personal Loans			11,994	29,16,12	62	23,21	1,879	3,50,32	475	47,31
VI.	TRADE				11,833	55,21,82	552	76,32	2,549	10,10,57	2,568	2,95,68
	1.	Wholesale Trade			858	17,01,05	3	11,49	22	4,59,22	82	5,93
	2.	Retail Trade			10,975	38,20,77	549	64,83	2,527	5,51,35	2,486	2,89,75
VII.	FINANCE				62	3,06,38	-	-	2	1,29	24	57,09
VIII.	ALL OTHERS				5,361	15,46,40	-	-	782	64,76	595	33,18
TOTAL BANK CREDIT					56,188	292,48,25	990	1,74,93	11,618	55,95,83	12,125	10,63,05
OF WHICH:			1.	Artisans & Village Industries	686	1,02,59	52	3,75	477	67,24	1,319	52,60
			2.	Other Small Scale Industries	2,281	63,44,28	69	10,02	471	8,94,87	516	66,14


					LADAKH		POONCH		PULWAMA		RAJOURI
	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
					17	18	19	20	21	22	23	24
I.	AGRICULTURE				654	26,94	3,016	1,84,19	6,776	2,35,67	3,819	2,41,71
	1.	Direct Finance			654	26,94	2,975	1,83,81	6,771	2,33,18	3,794	2,39,75
	2.	Indirect Finance			-	-	41	38	5	2,49	25	1,96
II.	INDUSTRY				243	13,90	171	66,63	2,444	2,87,66	211	64,14
	1.	Mining & Quarrying			-	-	-	-	1	33	-	-
	2.	Manufacturing & Processing			243	13,90	170	65,66	2,429	2,77,94	206	60,22
	3.	Electricity, Gas & Water			-	-	-	-	-	-	-	-
	4.	Construction			-	-	1	97	14	9,39	5	3,92
III.	TRANSPORT OPERATORS				100	1,10,44	43	32,96	266	2,45,50	55	71,37
IV.	PROFESSIONAL AND OTHER SERVICES				113	13,54	45	15,08	456	36,96	41	7,11
V.	PERSONAL LOANS				202	70,67	631	1,32,38	1,555	1,76,55	1,029	1,89,15
	1.	Loans for Purchase of Consumer Durables			5	4,23	37	2,83	28	4,67	20	1,76
	2.	Loans for Housing			91	39,76	62	48,28	56	46,22	22	14,32
	3.	Rest of the Personal Loans			106	26,68	532	81,27	1,471	1,25,66	987	1,73,07
VI.	TRADE				361	1,00,39	1,156	1,36,58	2,273	2,60,87	1,648	2,80,28
	1.	Wholesale Trade			1	67	33	4,85	114	35,59	52	12,01
	2.	Retail Trade			360	99,72	1,123	1,31,73	2,159	2,25,28	1,596	2,68,27
VII.	FINANCE				-	-	1	29,88	1	37	1	36
VIII.	ALL OTHERS				9	84	512	44,13	1,001	67,51	576	60,56
TOTAL BANK CREDIT					1,682	3,36,72	5,575	6,41,83	14,772	13,11,09	7,380	9,14,68
OF WHICH:			1.	Artisans & Village Industries	127	4,88	114	4,83	1,475	55,08	151	10,89
			2.	Other Small Scale Industries	6	2,80	49	57,27	746	1,71,51	22	32,26


					SRINAGAR		UDHAMPUR
	OCCUPATION				No. of	Amount	No. of	Amount
					Accounts	Out-	Accounts	Out-
						standing		standing
					25	26	27	28
I.	AGRICULTURE				7,153	31,74,51	5,527	3,73,04
	1.	Direct Finance			6,942	28,83,55	5,474	3,39,07
	2.	Indirect Finance			211	2,90,96	53	33,97
II.	INDUSTRY				16,022	106,58,92	275	2,83,64
	1.	Mining & Quarrying			15	3,11,98	-	-
	2.	Manufacturing & Processing			15,889	99,92,90	261	2,69,63
	3.	Electricity, Gas & Water			11	14,98	2	2,64
	4.	Construction			107	3,39,06	12	11,37
III.	TRANSPORT OPERATORS				1,832	18,31,13	452	4,67,93
IV.	PROFESSIONAL AND OTHER SERVICES				27,135	56,87,59	305	1,25,25
V.	PERSONAL LOANS				40,255	71,16,61	1,993	5,15,10
	1.	Loans for Purchase of Consumer Durables			17,994	29,01,11	110	16,91
	2.	Loans for Housing			1,698	13,58,16	141	1,07,84
	3.	Rest of the Personal Loans			20,563	28,57,34	1,742	3,90,35
VI.	TRADE				9,928	167,62,88	2,967	6,43,66
	1.	Wholesale Trade			1,225	134,52,08	29	24,51
	2.	Retail Trade			8,703	33,10,80	2,938	6,19,15
VII.	FINANCE				8	2,19,80	2	75,00
VIII.	ALL OTHERS				38,748	84,94,75	900	1,37,81
TOTAL BANK CREDIT					1,41,081	539,46,19	12,421	26,21,43
OF WHICH:			1.	Artisans & Village Industries	9,473	7,11,46	66	7,23
			2.	Other Small Scale Industries	5,247	40,25,63	101	2,00,87