Tableno.5.6 – State and Bank Group-wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation–March 2002NORTHERN REGION | | (Amount in Rupees Lakh) |
| | | | | STATE BANK OF INDIA | NATIONALISED BANKS | | | | | AND ITS ASSOCIATES | |
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | | | | | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | | | standing | | | standing |
| | | | | 1 | 2 | 3 | 4 | 5 | 6 |
| I. | AGRICULTURE | 2,92,505 | 2075,27 | 1623,33 | 3,35,501 | 1885,36 | 1698,97 | | | 1. Direct Finance | 2,82,682 | 1387,62 | 1111,71 | 3,24,627 | 1358,99 | 1225,03 | | | 2. Indirect Finance | 9,823 | 687,64 | 511,62 | 10,874 | 526,37 | 473,94 | II. | INDUSTRY | 65,249 | 1739,67 | 1306,98 | 42,441 | 3178,73 | 2585,58 | | | 1. Mining & Quarrying | 693 | 107,50 | 76,87 | 731 | 187,17 | 150,13 | | | 2. Food Manufacturing & Processing | 1,373 | 137,06 | 98,44 | 1,603 | 167,72 | 131,37 | | | (a) | Rice Mills, Flour & Dal Mills | 560 | 33,38 | 25,49 | 671 | 27,53 | 22,41 | | | (b) | Sugar | 6 | 60 | 46 | 11 | 14,42 | 13,96 | | | (c) | Edible Oils & Vanaspati | 288 | 49,46 | 40,76 | 373 | 66,12 | 44,98 | | | (d) | Tea Processing | 4 | 30 | 30 | 6 | 1,53 | 1,50 | | | (e) | Processing of Fruits & Vegetables | 2 | 6 | 5 | 8 | 2,15 | 2,09 | | | (f) | Others | 513 | 53,27 | 31,39 | 534 | 55,97 | 46,43 | | | 3. Beverage & Tobacco | 27 | 8,15 | 7,42 | 56 | 39,01 | 29,32 | | | 4. Textiles | 2,806 | 492,28 | 377,32 | 2,431 | 673,66 | 572,44 | | | (a) | Cotton Textiles | 1,246 | 110,63 | 91,62 | 839 | 235,87 | 210,32 | | | (b) | Jute & Other Natural Fibre Textiles | 28 | 19 | 13 | 13 | 50 | 34 | | | (c) | Handloom Textiles & Khadi | 101 | 3,48 | 2,98 | 345 | 3,22 | 2,92 | | | (d) | Other Textiles & Textile Products | 1,431 | 377,98 | 282,59 | 1,234 | 434,07 | 358,86 | | | 5. Paper, Paper Products & Printing | 503 | 16,92 | 13,79 | 525 | 139,38 | 106,46 | | | 6. Leather & Leather Products | 1,058 | 3,86 | 3,10 | 435 | 8,24 | 7,10 | | | 7. Rubber & Plastic Products | 407 | 76,72 | 53,14 | 404 | 115,20 | 96,50 | | | 8. Chemicals & Chemical Products | 704 | 121,72 | 70,95 | 922 | 310,64 | 219,46 | | | (a) | Heavy Industrial Chemicals | 73 | 12,64 | 8,77 | 104 | 29,08 | 24,22 | | | (b) | Fertilisers | 11 | 34,53 | 15,80 | 44 | 199,43 | 130,03 | | | (c) | Drugs & Pharmaceuticals | 71 | 2,87 | 2,80 | 127 | 30,61 | 21,96 | | | (d) | Non-Edible Oils | 8 | 1,07 | 1,02 | 12 | 2,86 | 2,27 | | | (e) | Other Chemicals & Chemical Products | 541 | 70,61 | 42,56 | 635 | 48,64 | 40,98 | | | 9. Petroleum, Coal Products & Nuclear Fuels | 8 | 1,45 | 1,29 | 10 | 2,50 | 2,57 | | | 10. Manufacture of Cement & Cement Products | 437 | 46,51 | 36,34 | 250 | 35,07 | 30,24 | | | 11. Basic Metals & Metal Products | 687 | 101,00 | 85,05 | 4,163 | 223,89 | 191,09 | | | (a) | Iron & Steel | 173 | 55,29 | 48,30 | 295 | 78,89 | 66,03 | | | (b) | Non-Ferrous Metals | 39 | 14,69 | 12,77 | 53 | 31,40 | 29,68 | | | (c) | Metal Products | 475 | 31,01 | 23,98 | 3,815 | 113,59 | 95,38 | | | 12. Engineering | 1,218 | 225,35 | 161,86 | 1,097 | 306,49 | 227,94 | | | (a) | Heavy Engineering | 36 | 23,80 | 15,61 | 85 | 38,38 | 30,41 | | | (b) | Light Engineering | 473 | 25,77 | 23,21 | 431 | 85,47 | 80,26 | | | (c) | Electrical Machinery & Goods | 409 | 87,47 | 83,56 | 417 | 141,50 | 78,66 | | | (d) | Electronic Machinery & Goods | 300 | 88,31 | 39,48 | 164 | 41,15 | 38,61 | | | 13. Vehicles, Vehicle Parts & Transport Equipments | 132 | 24,72 | 20,44 | 296 | 54,40 | 47,16 | | | 14. Other Industries | 54,336 | 343,72 | 274,19 | 28,458 | 360,15 | 283,05 | | | 15. Electricity, Gas & Water | 45 | 8,97 | 7,20 | 46 | 87,19 | 80,81 | | | (a) | Electricity Generation &Transmission | 14 | 6,41 | 5,61 | 32 | 84,14 | 78,02 | | | (b) | Non-Conventional Energy | 5 | 18 | 18 | 2 | 2,15 | 2,10 | | | (c) | Gas, Steam & Water Supply | 26 | 2,39 | 1,42 | 12 | 89 | 69 | | | 16. Construction | 815 | 23,75 | 19,58 | 1,014 | 468,02 | 409,94 | III. | TRANSPORT OPERATORS | 4,841 | 59,86 | 41,74 | 5,964 | 171,44 | 121,53 | IV. | PROFESSIONAL AND OTHER SERVICES | 5,204 | 114,35 | 89,42 | 20,215 | 239,20 | 194,44 | V. | PERSONAL LOANS | 2,31,173 | 1306,84 | 1090,39 | 2,21,972 | 1683,36 | 1475,65 | | | 1. Loans for Purchase of Consumer Durables | 19,575 | 68,33 | 52,12 | 14,247 | 52,31 | 43,72 | | | 2. Loans for Housing | 30,955 | 515,44 | 442,49 | 30,809 | 744,84 | 702,63 | | | 3. Rest of the Personal Loans | 1,80,643 | 723,06 | 595,79 | 1,76,916 | 886,20 | 729,30 | VI. | TRADE | 1,25,659 | 1417,58 | 1252,52 | 94,497 | 936,30 | 781,09 | | | 1. Wholesale Trade | 9,313 | 912,71 | 868,95 | 5,062 | 313,76 | 258,01 | | | 2. Retail Trade | 1,16,346 | 504,87 | 383,57 | 89,435 | 622,54 | 523,09 | VII. | FINANCE | 894 | 117,27 | 44,37 | 495 | 138,78 | 104,79 | VIII. | ALL OTHERS | 48,238 | 387,35 | 311,52 | 67,872 | 1576,63 | 1423,95 |
| TOTAL BANK CREDIT | 7,73,763 | 7218,20 | 5760,28 | 7,88,957 | 9809,80 | 8386,01 | OF WHICH : 1.ArtisansandVillage&TinyIndustries | 20,842 | 131,32 | 102,48 | 13,562 | 57,35 | 50,37 | 2.OtherSmallScaleIndustries | 31,306 | 488,24 | 392,26 | 17,106 | 586,21 | 446,20 |
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| | | | | FOREIGN BANKS | REGIONAL RURAL BANKS |
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | | | | | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | | | standing | | | standing |
| | | | | 7 | 8 | 9 | 10 | 11 | 12 |
| I. | AGRICULTURE | — | — | — | 2,68,952 | 771,81 | 613,99 | | | 1. Direct Finance | — | — | — | 2,59,443 | 741,02 | 588,77 | | | 2. Indirect Finance | — | — | — | 9,509 | 30,79 | 25,22 | II. | INDUSTRY | 3 | 51,77 | 51,27 | 45,655 | 105,58 | 83,03 | | | 1. Mining & Quarrying | — | — | — | 105 | 7,75 | 6,47 | | | 2. Food Manufacturing & Processing | — | — | — | 185 | 4,00 | 3,23 | | | (a) | Rice Mills, Flour & Dal Mills | — | — | — | 105 | 1,13 | 78 | | | (b) | Sugar | — | — | — | — | — | — | | | (c) | Edible Oils & Vanaspati | — | — | — | 22 | 50 | 37 | | | (d) | Tea Processing | — | — | — | — | — | — | | | (e) | Processing of Fruits & Vegetables | — | — | — | 1 | 2 | — | | | (f) | Others | — | — | — | 57 | 2,36 | 2,07 | | | 3. Beverage & Tobacco | — | — | — | 2 | 12 | 6 | | | 4. Textiles | — | — | — | 198 | 3,35 | 2,96 | | | (a) | Cotton Textiles | — | — | — | 112 | 2,29 | 2,16 | | | (b) | Jute & Other Natural Fibre Textiles | — | — | — | — | — | — | | | (c) | Handloom Textiles & Khadi | — | — | — | 51 | 16 | 12 | | | (d) | Other Textiles & Textile Products | — | — | — | 35 | 89 | 67 | | | 5. Paper, Paper Products & Printing | — | — | — | 208 | 1,03 | 73 | | | 6. Leather & Leather Products | — | — | — | 109 | 33 | 27 | | | 7. Rubber & Plastic Products | — | — | — | 11 | 42 | 41 | | | 8. Chemicals & Chemical Products | — | — | — | 14 | 35 | 25 | | | (a) | Heavy Industrial Chemicals | — | — | — | — | — | — | | | (b) | Fertilisers | — | — | — | — | — | — | | | (c) | Drugs & Pharmaceuticals | — | — | — | 4 | 6 | 4 | | | (d) | Non-Edible Oils | — | — | — | — | — | — | | | (e) | Other Chemicals & Chemical Products | — | — | — | 10 | 29 | 21 | | | 9. Petroleum, Coal Products & Nuclear Fuels | — | — | — | 14 | 46 | 46 | | | 10. Manufacture of Cement & Cement Products | 1 | 46,53 | 46,53 | 1,026 | 2,03 | 1,89 | | | 11. Basic Metals & Metal Products | — | — | — | 54 | 85 | 68 | | | (a) | Iron & Steel | — | — | — | 3 | 14 | 9 | | | (b) | Non-Ferrous Metals | — | — | — | — | — | — | | | (c) | Metal Products | — | — | — | 51 | 72 | 58 | | | 12. Engineering | 2 | 5,24 | 4,74 | 75 | 1,55 | 1,46 | | | (a) | Heavy Engineering | — | — | — | 4 | 20 | 19 | | | (b) | Light Engineering | 1 | 24 | 10 | 46 | 1,05 | 1,01 | | | (c) | Electrical Machinery & Goods | 1 | 5,00 | 4,64 | 22 | 29 | 25 | | | (d) | Electronic Machinery & Goods | — | — | — | 3 | 1 | 1 | | | 13. Vehicles, Vehicle Parts & Transport Equipments | — | — | — | 168 | 1,23 | 55 | | | 14. Other Industries | — | — | — | 43,251 | 75,48 | 57,76 | | | 15. Electricity, Gas & Water | — | — | — | 2 | 8 | 4 | | | (a) | Electricity Generation &Transmission | — | — | — | — | — | — | | | (b) | Non-Conventional Energy | — | — | — | — | — | — | | | (c) | Gas, Steam & Water Supply | — | — | — | 2 | 8 | 4 | | | 16. Construction | — | — | — | 233 | 6,54 | 5,83 | III. | TRANSPORT OPERATORS | — | — | — | 8,400 | 31,11 | 21,63 | IV. | PROFESSIONAL AND OTHER SERVICES | 1 | 2,50 | 51 | 13,778 | 34,36 | 25,47 | V. | PERSONAL LOANS | 2,869 | 63,65 | 23,03 | 1,06,414 | 315,62 | 268,08 | | | 1. Loans for Purchase of Consumer Durables | — | — | — | 8,398 | 21,02 | 15,80 | | | 2. Loans for Housing | — | — | — | 9,586 | 78,32 | 67,99 | | | 3. Rest of the Personal Loans | 2,869 | 63,65 | 23,03 | 88,430 | 216,29 | 184,29 | VI. | TRADE | — | — | — | 56,154 | 128,47 | 100,79 | | | 1. Wholesale Trade | — | — | — | 1,890 | 9,58 | 7,72 | | | 2. Retail Trade | — | — | — | 54,264 | 118,89 | 93,06 | VII. | FINANCE | — | — | — | 608 | 1,69 | 1,43 | VIII. | ALL OTHERS | — | — | — | 22,905 | 56,97 | 48,37 |
| TOTAL BANK CREDIT | 2,873 | 117,92 | 74,80 | 5,22,866 | 1445,60 | 1162,79 | OF WHICH : 1.ArtisansandVillage&TinyIndustries | — | — | — | 34,370 | 56,06 | 42,90 | 2.OtherSmallScaleIndustries | 1 | 24 | 10 | 8,009 | 28,67 | 22,78 |
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| | | | | OTHER SCHEDULED | ALL SCHEDULED | | | | | COMMERCIAL BANKS | COMMERCIAL BANKS |
| OCCUPATION | No. of | Credit | Amount | No. of | Credit | Amount | | | | | Accounts | Limit | Out- | Accounts | Limit | Out- | | | | | | | standing | | | standing |
| | | | | 13 | 14 | 15 | 16 | 17 | 18 |
| I. | AGRICULTURE | 37,991 | 197,09 | 153,96 | 9,34,949 | 4929,53 | 4090,25 | | | 1. Direct Finance | 36,110 | 118,63 | 87,98 | 9,02,862 | 3606,26 | 3013,49 | | | 2. Indirect Finance | 1,881 | 78,47 | 65,98 | 32,087 | 1323,27 | 1076,76 | II. | INDUSTRY | 12,431 | 1527,12 | 964,99 | 1,65,779 | 6602,87 | 4991,86 | | | 1. Mining & Quarrying | 85 | 62,34 | 48,66 | 1,614 | 364,77 | 282,12 | | | 2. Food Manufacturing & Processing | 206 | 74,22 | 34,99 | 3,367 | 383,00 | 268,03 | | | (a) | Rice Mills, Flour & Dal Mills | 62 | 21,69 | 4,87 | 1,398 | 83,73 | 53,55 | | | (b) | Sugar | 2 | 10,00 | 8,94 | 19 | 25,02 | 23,36 | | | (c) | Edible Oils & Vanaspati | 71 | 39,46 | 19,21 | 754 | 155,54 | 105,31 | | | (d) | Tea Processing | 1 | 3 | 2 | 11 | 1,85 | 1,83 | | | (e) | Processing of Fruits & Vegetables | 1 | 30 | 11 | 12 | 2,53 | 2,25 | | | (f) | Others | 69 | 2,74 | 1,85 | 1,173 | 114,33 | 81,74 | | | 3. Beverage & Tobacco | 18 | 14,84 | 11,40 | 103 | 62,13 | 48,20 | | | 4. Textiles | 448 | 392,55 | 232,60 | 5,883 | 1561,83 | 1185,31 | | | (a) | Cotton Textiles | 173 | 197,75 | 78,17 | 2,370 | 546,54 | 382,26 | | | (b) | Jute & Other Natural Fibre Textiles | 1 | 5 | 1 | 42 | 73 | 48 | | | (c) | Handloom Textiles & Khadi | 17 | 5,25 | 4,55 | 514 | 12,13 | 10,57 | | | (d) | Other Textiles & Textile Products | 257 | 189,49 | 149,88 | 2,957 | 1002,44 | 792,00 | | | 5. Paper, Paper Products & Printing | 73 | 9,04 | 4,05 | 1,309 | 166,37 | 125,02 | | | 6. Leather & Leather Products | 6 | 56 | 1,00 | 1,608 | 12,98 | 11,47 | | | 7. Rubber & Plastic Products | 58 | 23,20 | 19,80 | 880 | 215,54 | 169,85 | | | 8. Chemicals & Chemical Products | 126 | 227,45 | 95,94 | 1,766 | 660,16 | 386,60 | | | (a) | Heavy Industrial Chemicals | 24 | 23,18 | 8,18 | 201 | 64,90 | 41,16 | | | (b) | Fertilisers | 3 | 34,90 | 6,26 | 58 | 268,86 | 152,10 | | | (c) | Drugs & Pharmaceuticals | 18 | 7,69 | 2,59 | 220 | 41,22 | 27,39 | | | (d) | Non-Edible Oils | 1 | 3 | 3 | 21 | 3,96 | 3,32 | | | (e) | Other Chemicals & Chemical Products | 80 | 161,66 | 78,88 | 1,266 | 281,21 | 162,63 | | | 9. Petroleum, Coal Products & Nuclear Fuels | 1 | 43 | 44 | 33 | 4,83 | 4,76 | | | 10. Manufacture of Cement & Cement Products | 82 | 262,28 | 182,87 | 1,796 | 392,41 | 297,87 | | | 11. Basic Metals & Metal Products | 148 | 60,16 | 44,28 | 5,052 | 385,90 | 321,10 | | | (a) | Iron & Steel | 57 | 23,51 | 17,72 | 528 | 157,83 | 132,15 | | | (b) | Non-Ferrous Metals | 20 | 28,54 | 20,14 | 112 | 74,64 | 62,60 | | | (c) | Metal Products | 71 | 8,11 | 6,42 | 4,412 | 153,43 | 126,36 | | | 12. Engineering | 526 | 247,81 | 172,56 | 2,918 | 786,44 | 568,55 | | | (a) | Heavy Engineering | 22 | 7,83 | 5,04 | 147 | 70,20 | 51,24 | | | (b) | Light Engineering | 52 | 7,97 | 6,65 | 1,003 | 120,50 | 111,23 | | | (c) | Electrical Machinery & Goods | 422 | 130,07 | 72,05 | 1,271 | 364,32 | 239,15 | | | (d) | Electronic Machinery & Goods | 30 | 101,94 | 88,82 | 497 | 231,41 | 166,93 | | | 13. Vehicles, Vehicle Parts & Transport Equipments | 59 | 19,20 | 12,44 | 655 | 99,55 | 80,59 | | | 14. Other Industries | 10,397 | 68,79 | 49,29 | 1,36,442 | 848,14 | 664,29 | | | 15. Electricity, Gas & Water | 7 | 10,85 | 6,00 | 100 | 107,09 | 94,06 | | | (a) | Electricity Generation &Transmission | 3 | 9,86 | 4,94 | 49 | 100,40 | 88,57 | | | (b) | Non-Conventional Energy | 1 | 90 | 1,00 | 8 | 3,23 | 3,27 | | | (c) | Gas, Steam & Water Supply | 3 | 9 | 6 | 43 | 3,45 | 2,22 | | | 16. Construction | 191 | 53,41 | 48,67 | 2,253 | 551,72 | 484,03 | III. | TRANSPORT OPERATORS | 869 | 44,25 | 22,95 | 20,074 | 306,66 | 207,85 | IV. | PROFESSIONAL AND OTHER SERVICES | 4,503 | 179,83 | 168,65 | 43,701 | 570,25 | 478,49 | V. | PERSONAL LOANS | 61,979 | 389,46 | 312,74 | 6,24,407 | 3758,93 | 3169,89 | | | 1. Loans for Purchase of Consumer Durables | 9,535 | 36,10 | 28,98 | 51,755 | 177,77 | 140,63 | | | 2. Loans for Housing | 11,710 | 147,76 | 129,39 | 83,060 | 1486,36 | 1342,50 | | | 3. Rest of the Personal Loans | 40,734 | 205,60 | 154,37 | 4,89,592 | 2094,79 | 1686,77 | VI. | TRADE | 15,959 | 456,37 | 411,33 | 2,92,269 | 2938,72 | 2545,74 | | | 1. Wholesale Trade | 991 | 316,81 | 301,69 | 17,256 | 1552,86 | 1436,37 | | | 2. Retail Trade | 14,968 | 139,56 | 109,64 | 2,75,013 | 1385,86 | 1109,37 | VII. | FINANCE | 80 | 22,88 | 14,52 | 2,077 | 280,62 | 165,11 | VIII. | ALL OTHERS | 5,962 | 99,38 | 82,50 | 1,44,977 | 2120,33 | 1866,34 |
| TOTAL BANK CREDIT | 1,39,774 | 2916,38 | 2131,65 | 22,28,233 | 21507,90 | 17515,53 | OF WHICH : 1.ArtisansandVillage&TinyIndustries | 2,316 | 7,41 | 5,25 | 71,090 | 252,14 | 200,99 | 2.OtherSmallScaleIndustries | 8,544 | 211,92 | 156,45 | 64,966 | 1315,28 | 1017,78 |
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