| |
|
|
|
|
|
|
(Per Cent)
|
|
As on March
|
|
State Bank of India
|
|
Nationalised
|
|
Foreign
|
|
OCCUPATION
|
and its Associates
|
|
Banks
|
|
Banks
|
|
2001
|
2002
|
|
2001
|
2002
|
|
2001
|
2002
|
|
(1)
|
(2)
|
|
(3)
|
(4)
|
|
(5)
|
(6)
|
|
|
WEIGHTED AVERAGE LENDING RATE
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
I. AGRICULTURE
|
14.21
|
13.52
|
|
14.19
|
13.81
|
|
13.74
|
13.55
|
|
1. Direct Finance
|
14.67
|
13.70
|
|
14.80
|
14.37
|
|
13.60
|
15.23
|
|
2. Indirect Finance
|
13.25
|
13.39
|
|
13.62
|
13.46
|
|
13.94
|
13.39
|
|
II. INDUSTRY
|
13.99
|
13.13
|
|
14.58
|
14.07
|
|
14.24
|
13.99
|
|
1. Mining & Quarrying
|
12.95
|
10.77
|
|
14.41
|
13.85
|
|
14.93
|
13.60
|
|
2. Manufacturing & Processing
|
14.13
|
13.48
|
|
14.58
|
14.20
|
|
14.20
|
13.90
|
|
3. Electricity, Gas & Water
|
13.24
|
12.79
|
|
14.20
|
13.58
|
|
14.57
|
14.94
|
|
4. Construction
|
14.47
|
13.60
|
|
15.42
|
13.28
|
|
15.01
|
14.98
|
|
III. TRANSPORT OPERATORS
|
13.42
|
13.74
|
|
14.21
|
13.11
|
|
14.03
|
13.37
|
|
IV. PROFESSIONAL AND OTHER SERVICES
|
14.15
|
13.65
|
|
15.10
|
14.44
|
|
14.18
|
14.76
|
|
V. PERSONAL LOANS
|
12.78
|
12.35
|
|
13.45
|
12.66
|
|
15.63
|
15.06
|
|
1. Loans for Purchase of Consumer Durables
|
14.22
|
13.88
|
|
14.97
|
14.51
|
|
17.60
|
16.55
|
|
2. Loans for Housing
|
12.39
|
11.69
|
|
12.91
|
11.83
|
|
13.24
|
13.82
|
|
3. Rest of the Personal Loans
|
13.66
|
13.95
|
|
14.31
|
14.05
|
|
16.90
|
15.90
|
|
VI. TRADE
|
12.63
|
12.19
|
|
12.99
|
12.86
|
|
14.51
|
14.36
|
|
1. Wholesale Trade
|
12.22
|
11.96
|
|
12.49
|
12.51
|
|
14.40
|
14.59
|
|
2. Retail Trade
|
14.10
|
13.92
|
|
15.16
|
14.68
|
|
15.37
|
14.05
|
|
VII. FINANCE
|
13.05
|
11.96
|
|
13.11
|
12.32
|
|
14.51
|
13.90
|
|
VIII. ALL OTHERS
|
14.20
|
13.62
|
|
14.40
|
13.89
|
|
13.82
|
17.55
|
| |
|
|
|
|
|
|
|
|
|
TOTAL BANK CREDIT
|
13.60
|
12.92
|
|
14.05
|
13.53
|
|
14.48
|
14.33
|
|
OF WHICH: 1. Artisans & Village Industries
|
14.87
|
13.77
|
|
15.62
|
15.16
|
|
17.66
|
19.56
|
|
2. Other Small Scale Industries
|
14.53
|
13.57
|
|
15.13
|
14.84
|
|
14.35
|
13.14
|
| |
|
|
|
|
|
|
|
|
|
WEIGHTED AVERAGE DEPOSIT RATE
|
|
|
|
|
|
|
|
|
|
OF TERM DEPOSITS
|
9.62
|
9.63
|
|
9.91
|
9.60
|
|
8.60
|
7.53
|
|
|
|
As on March
|
|
|
Regional Rural
|
|
Other Scheduled
|
|
All Scheduled
|
|
OCCUPATION
|
Banks
|
|
Commercial Banks
|
|
Commercial Banks
|
|
|
2001
|
2002
|
|
2001
|
2002
|
|
2001
|
2002
|
|
|
(7)
|
(8)
|
|
(9)
|
(10)
|
|
(11)
|
(12)
|
|
|
WEIGHTED AVERAGE LENDING RATE
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
I. AGRICULTURE
|
16.00
|
15.51
|
|
15.84
|
14.74
|
|
14.42
|
13.87
|
|
1. Direct Finance
|
16.03
|
15.53
|
|
16.59
|
15.55
|
|
15.02
|
14.38
|
|
2. Indirect Finance
|
15.48
|
15.33
|
|
14.58
|
14.06
|
|
13.65
|
13.50
|
|
II. INDUSTRY
|
16.40
|
15.38
|
|
15.34
|
14.59
|
|
14.47
|
13.98
|
|
1. Mining & Quarrying
|
16.34
|
15.97
|
|
14.78
|
13.90
|
|
13.46
|
12.16
|
|
2. Manufacturing & Processing
|
16.41
|
15.68
|
|
15.31
|
14.64
|
|
14.50
|
14.13
|
|
3. Electricity, Gas & Water
|
17.45
|
16.38
|
|
14.25
|
14.05
|
|
13.91
|
13.58
|
|
4. Construction
|
16.29
|
14.67
|
|
16.33
|
14.99
|
|
15.61
|
13.88
|
|
III. TRANSPORT OPERATORS
|
16.25
|
15.73
|
|
15.38
|
14.72
|
|
14.22
|
13.70
|
|
IV. PROFESSIONAL AND OTHER SERVICES
|
16.29
|
15.68
|
|
16.02
|
15.24
|
|
15.21
|
14.73
|
|
V. PERSONAL LOANS
|
12.49
|
12.30
|
|
14.29
|
14.26
|
|
13.81
|
13.17
|
|
1. Loans for Purchase of Consumer Durables
|
16.61
|
16.06
|
|
16.17
|
15.69
|
|
15.60
|
14.53
|
|
2. Loans for Housing
|
11.43
|
11.38
|
|
12.65
|
13.23
|
|
12.75
|
12.13
|
|
3. Rest of the Personal Loans
|
15.84
|
15.10
|
|
15.63
|
15.17
|
|
15.20
|
14.69
|
|
VI. TRADE
|
16.31
|
15.82
|
|
15.48
|
14.61
|
|
13.17
|
12.87
|
|
1. Wholesale Trade
|
16.58
|
15.99
|
|
15.00
|
13.88
|
|
12.64
|
12.46
|
|
2. Retail Trade
|
16.26
|
15.76
|
|
16.03
|
15.71
|
|
15.04
|
14.76
|
|
VII. FINANCE
|
15.94
|
13.77
|
|
14.61
|
13.77
|
|
13.68
|
12.74
|
|
VIII. ALL OTHERS
|
16.10
|
15.14
|
|
14.94
|
14.11
|
|
14.40
|
13.90
|
|
|
|
|
|
|
|
|
|
|
|
TOTAL BANK CREDIT
|
15.41
|
14.88
|
|
15.28
|
14.57
|
|
14.14
|
13.66
|
|
OF WHICH: 1. Artisans & Village Industries
|
15.98
|
15.68
|
|
16.11
|
15.20
|
|
15.51
|
14.03
|
|
2. Other Small Scale Industries
|
16.38
|
15.67
|
|
15.72
|
15.02
|
|
14.98
|
14.54
|
|
|
|
|
|
|
|
|
|
|
|
WEIGHTED AVERAGE DEPOSIT RATE
|
|
|
|
|
|
|
|
|
|
OF TERM DEPOSITS
|
10.91
|
10.79
|
|
10.54
|
9.80
|
|
9.92
|
9.61
|
|
|
Note:
|
|
|
|
|
|
|
|
|
|
1. The lending rates are based on the accounts with credit limit of
over 2 lakhs.
|
|
2. The lending rates are exclusive of Inland & Foreign Bills purchased
and discounted.
|
|
5. For Computation of Deposit Rate Mid-points of the interest rate range
were taken as values
|
|
and total deposit amount in the range as weights.
|