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Composition and Ownership Pattern of Deposits with Scheduled Commercial Banks: March 2004

Date : Sep 14, 2005

This article presents an analysis of the composition and ownership pattern of outstanding deposits with Scheduled Commercial Banks (including Regional Rural Banks) as at the end of March 2004. The data on ownership of deposits are collected from a sample of branches of Scheduled Commercial Banks, under the reporting system of annual Basic Statistical Return (BSR)-4. The BSR-4 return collects data on outstanding deposits as on March 31, according to type of deposits (viz., Current, Savings and Term deposits) classified by broad institutional sectors of the economy, which own the deposits. The ownership pattern of deposits is analysed according to the Population groups, States/Union Territories and Bank groups. The analysis on the patterns obtained in the major metropolitan centres is also presented in the article.
I. INTRODUCTION

The sample survey on composition and ownership pattern of bank deposits with scheduled commercial banks, including Regional Rural Banks, is conducted by the Reserve Bank of India on an annual basis under the system of Basic Statistical Returns (BSR-4) and the results are published in the Reserve Bank of India Bulletin. The results of the survey as on March 31, 2004 are discussed in this article^@.

The survey schedule was designed to capture branch level data on ownership of deposits, classified according to broad institutional sectors and sub-sectors for each type of deposit, viz., current, savings and term, including inter-bank deposits. Out of 66,070 branches of scheduled commercial banks, a sample of 9,933 branches was selected as per the sampling design explained below. Of the 9,933 bank branches selected, filled-in schedules were received from 9,532 branches resulting in a response rate 96.0 per cent.

II. SAMPLING DESIGN AND SAMPLE SELECTION

A stratified sampling design was used for selection of branches of banks for this survey. Based on State/Union Territory, population group of the centre where bank branch was located, and bank group, all branches of the scheduled commercial banks (SCBs) in the country were classified into 379 basic strata. The population groups are (i) rural; (ii) semi-urban; (iii) urban; and the metropolitan group, further sub-divided into two groups (iv) four major metropolitan centers (viz., Mumbai, Delhi, Chennai and Kolkata) and (v) the other metropolitan centers. Five bank groups, viz., (i) State Bank of India and its Associates; (ii) Nationalised Banks; (iii) Regional Rural Banks; (iv) Other Indian Scheduled Commercial Banks and (v) Foreign Banks, were considered for the purpose. If branches in a basic stratum numbered 7 or less, all branches were selected with certainty in such strata. As an exception, all 9 branches operating in Lakshadweep Islands were included in the sample to provide adequate representation to this Union Territory. In the remaining basic strata, each stratum was further stratified into 2 or 3 sub-strata taking into account the range in total deposits of the branches in the strata and number of deposit accounts. For this purpose, threshold values were determined for each basic-stratum taking into account above two characteristics.

In such basic strata, Size Class Strata (SCS) were formed as per descending order of deposits. The branches having aggregate deposits greater than threshold value-I were included under SCS-I. The SCS-II covered branches having aggregate deposits between threshold value-I and threshold value-II and the SCS-III included all those branches having aggregate deposits up to the threshold-value-II. Thus, 912 Size Class Strata (ultimate strata) were formed.

* Prepared in the Banking Statistics Division of the Department of Statistical Analysis and Computer Services.

@ The previous article on ‘Composition and Ownership Pattern of Scheduled Commercial Bank Deposits: March 2003’ was published in July 2004 issue of the Reserve Bank of India Bulletin.

The branches under SCS-I were included in the sample with certainty. In SCS-II and SCS-III of each basic stratum, sample branches were selected by Circular Systematic Sampling after arranging the branches within the SCS in descending order of their aggregate deposits, subject to selecting a minimum of 2 branches from each SCS. The sample size in the case of SCS-II varied from about 20 to 50 per cent of branches (depending upon the total size of SCS). If the number of units (branches) exceeded 200, 15 per cent of branches were drawn as sampling units. In the case of SCS-III, 10 per cent sample was selected.

Based on the above, 9,933 branches were selected for the survey. In all, 2,292 bank branches were selected with certainty. Out of the remaining 63,778 bank branches, 7,641 branches were selected using above sampling design from sub-strata SCS-II and SCS-III.

Highlights of the Survey

The composition of aggregate deposits by type of account, viz ., current, savings and term deposits, witnessed marginal distributional change in March 2004 as compared to March 2003. There was a marginal shift from term and savings deposits towards current deposits indicating increase in float money or demand for transaction balances due to increased activities in the economy. The share of current deposits marginally increased to 13.1 per cent as on March 31, 2004 over 2003.

The ‘Household sector’, continued to be the largest constituent of the deposits held with the scheduled commercial banks, though its share in the deposits showed a declining trend from 66.7 per cent as on March 31, 2002 to 65.4 per cent as on March 31, 2003 and to 58.4 per cent as on March 31, 2004, registering a steep decline of 7.0 percentage points in 2003-04, while all the other domestic economic sectors reported a rise in their shares.

The rates of growth in deposits of ‘Household sector’ and ‘Foreign sector’ slowed down in 2004 compared to growth rates in 2003. The higher growth in deposits in 2004 compared to that in 2003 could be attributed to accelerated growth in ‘Private Corporate (Non-financial)’, ‘Government’ and ‘Financial’ sectors.

The metropolitan areas accounted for the major share of 51.2 per cent in total deposits, while the deposits of rural, semi-urban and urban areas accounted for much lower shares of 10.6 per cent, 16.7 per cent and 21.5 per cent, respectively as on March 31, 2004. The ‘Household sector’ accounted for the highest share in total deposits in each of the population groups, although its share was highest at 85.3 per cent in rural areas, and lowest at 45.0 per cent in metropolitan areas as on March 31, 2004. The ‘Government sector’ held a substantially higher share at 18.6 per cent in metropolitan areas compared to its share in other population groups as on March 31, 2004. The share of ‘Private Corporate sector (Non-financial)’ in total deposits of the metropolitan areas was at 13.6 per cent.

The bank deposits have been primarily mobilised from the ‘Household sector’ in all the States and Union Territories. The predominance of ‘Household sector’ can be adjudged from the fact that for five States, the contribution from this sector was in excess of 80 per cent of total deposits outstanding as on March 31, 2004 and there were another nine States in which the ‘Household sector’ accounted for 70 to 80 per cent of total deposits.

The share of ‘Foreign sector’ in total bank deposits was large for Kerala (44.7 per cent), Daman & Diu (31.5 per cent), Goa (29.9 per cent) and Punjab (21.8 per cent) mainly due to Non-Resident deposits. '
Among the four major metropolitan centres, the share of ‘Household sector’ in total deposits as on March 31, 2004 was the highest in Kolkata (53.9 per cent) and the lowest in Mumbai (36.8 per cent). The highest share of ‘Government sector’ was recorded in Delhi (36.5 percent)

The ‘Household Sector’ accounted for the highest share in total deposits in all bank groups, although the share of this sector for Foreign Banks was the lowest at 41.2 per cent among the bank groups. The share of the ‘Government sector’ was highest at 18.6 per cent each, in respect of deposits held with both SBI & its Associates and Nationalised Banks.

The share of ‘Private Corporate sector (Non-financial)’ in the total deposits of various bank groups is the highest in the case of Foreign Banks (34.0 per cent of total deposits), while the contribution of ‘Financial sector’ in the total deposits of different bank groups is highest for Other Scheduled Commercial Banks (19.3 per cent).

III. RESULTS OF THE SURVEY: AN ANALYSIS

The article presents the results of the survey encompassing various classificatory characteristics of deposits with scheduled commercial banks (SCBs), as on March 31, 2004. The results are presented in 3 sections. Section III.1 presents composition and ownership pattern of deposits of SCBs according to type of deposit and broad institutional sectors at the aggregate level. Section III.2 discusses ownership of deposits according to population groups and States/Union Territories, as also for major metropolitan centres. Section III.3 covers ownership pattern according to bank-groups, viz., State Bank of India (SBI) and its Associates, Nationalised Banks, Regional Rural Banks (RRBs), Foreign Banks and Other Indian Scheduled Commercial Banks (OSCBs). The deposits are classified into 3 categories, viz., current, savings and term deposits and are inclusive of inter-bank deposits. The broad institutional sectors covered in the survey are ‘Government sector’, ‘Private Corporate sector (Non-financial)’, ‘Financial sector’, ‘Household sector’ and ‘Foreign sector’.

III.1 OWNERSHIP PATTERN O F DEPOSITS: AGGREGATE LEVEL

III.1.1 COMPOSITION OF DEPOSITS BY TYPE OF ACCOUNT

The composition of aggregate deposits by type of account, viz., current, savings and term deposits, witnessed marginal distributional change in March 2004 from that recorded in March 2003, and is presented in Chart 1. The share of current deposits registered an increase of 1.5 percentage points to 13.1 per cent as on March 31, 2004 over that in March 2003, whereas the savings and term deposits recorded marginal falls in their respective shares. The shares of savings deposits and term deposits stood at 24.1 per cent and 62.8 per cent, respectively, in March 2004. Thus, there was a marginal shift from savings and term deposits towards current deposits during the period indicating increase in floating money and demand for transaction balances on account of growing economic activities, increased activity in capital markets and credit growth (especially to the private corporate sector during the later part of 2003-04). In this connection it may be mentioned that the economy grew in terms of GDP at a rate of 8.5 per cent in 2003-04 compared to 4.0 per cent in 2002-03.

The total outstanding deposits^# with SCBs as on March 31, 2004, at Rs.15,74,257 crore recorded an increase of 19.6 per cent from Rs.13,16,749 crore, as on March 31, 2003; the growth rate being 2.5 percentage points higher

than that recorded as on March 31, 2003. The growth in current deposits at 34.8 per cent in 2004 was more than double than that of 16.6 per cent in 2003. There was slow down in the growth of savings deposits from 23.0 per cent in 2003 to 14.9 per cent in 2004 while there was marginal acceleration in growth in term deposits from 15.0 per cent in 2003 to 18.6 per cent in 2004.

III.1.2 OWNERSHIP PATTERN OF BANK DEPOSITS

The classification of bank deposits by type and institutional sectors as on March 31, 2003 and 2004 is presented in Statement 1. The ‘Household sector’, continued to be the largest constituent of the deposits held with the SCBs, although its share in deposits showed a persistently declining trend from 66.7 per cent as on March 31, 2002 to 65.4 per cent as on March 31, 2003 and to 58.4 per cent as on March 31, 2004, registering a steep decline of 7.0 percentage points in 2004. This might have been due to declining interest rate on term deposits offered by banks and alternate investment avenues (postal deposits, capital market, mutual funds, etc.) available to depositors. The interest rate on term deposits over 1 year maturity offered by banks declined by about 25-75 basis points from the range 5.25-6.25 per cent in March 2003 to 5.00-5.50 per cent in March 2004 (Reserve Bank of India Bulletin-Weekly Statistical Supplement dated April 10, 2004). The shares of ‘Government sector’ and ‘Private Corporate sector (Non-financial)’ increased by 2.7 percentage points to 14.5 per cent and by 2.8 percentage points to 7.9 per cent as on March 31, 2004 over March 31, 2003, respectively. The share of ‘Financial sector’ in

# As total outstanding deposits are estimated based on a sample of 9,532 branches, the figures may not be strictly comparable with data on deposits from other sources.

bank deposits also moved up by 1.8 percentage points to 8.5 per cent in the corresponding period. The increase in the shares of non-household domestic sectors showed surplus liquidity with them maintained as bank deposits. In contrast, the share of ‘Foreign sector’ registered a marginal decline from 11.0 per cent to 10.8 per cent in the 2004 (Chart 2) as against an increase of 0.8 percentage point registered in the year ending March 31, 2003.

In general, it is observed that ownership pattern, for each type of deposit, exhibited in 2004 is almost similar to that in 2003. In respect of current deposits, ‘Household sector’ had the highest share of 45.9 per cent as on March 31, 2004, though declined from 48.9 per cent as on March 31, 2003. The share of ‘Government sector’ in current deposits also declined by 3.2 percentage points in 2004 over 2003. However, the share of ‘Private Corporate sector (Non-financial)’ in current deposits registered a remarkable increase of 7.8 percentage points to 22.3 per cent during the same period. The share of current deposits of ‘Financial sector’ continued to show a declining trend from 16.4 per cent to 14.2 per cent during 2002 and 2003, and further to 12.9 per cent as at end-March 2004.

‘Household sector’ accounted for the largest share of 83.6 per cent in savings deposit s in 2004, albeit, lower than the share of 86.7 per cent in 2003. The share of ‘Government sector’ in savings deposits increased marginally from 6.8 per cent in March 2003 to 7.3 per cent in March 2004. The share of savings deposits from ‘Foreign sector’ also registered an increase of 2.0 percentage points to 7.3 per cent in 2004 over 2003. ‘Private Corporate sector (Non-Financial)’ and ‘Financial sector’, though registered marginal increases from 2003, had negligible shares in savings deposits in both 2003 and 2004 (Charts 3A and 3B).

In respect of term deposits, ‘Household sector’ continued to hold the highest share, though it declined from 60.0 per cent in 2003 to 51.3 per cent in 2004. The shares of ‘Government sector’ and ‘Private Corporate sector (Non-Financial)’ in term deposits increased by 4.7 percentage points to 17.0 per cent and by 2.3 percentage points to 7.7 per cent, respectively, in the corresponding period. In contrast, the share of ‘Foreign sector’ declined marginally from 14.7 per cent in 2003 to 13.8 per cent in 2004.

The comparative growth figures according to type of deposits and sectors are given in Table 1.

The rate of growth in deposits of ‘Household sector’ and ‘Foreign sector’ slowed down in 2004 compared to

Table 1: Sector-wise growth rates in deposits according to type of deposits

								(Per cent)

Sectors	Growth rate in 2004 over 2003				Growth rate in 2003 over 2002

	Current	Savings	Term	Total	Current	Savings	Term	Total

Government	12.0	23.9	63.0	47.6	27.4	29.5	31.6	30.5

Private corporate
(Non-Financial)	104.6	116.1	69.2	82.4	4.9	72.4	5.6	6.0

Financial	22.5	33.9	62.5	51.5	0.9	67.9	17.2	14.0

Household Sector	26.4	10.9	1.3	6.7	23.2	22.1	10.0	14.8

Foreign	25.9	60.1	11.1	17.5	2.5	22.5	28.4	26.7

Total	34.8	14.9	18.6	19.6	16.6	23.0	15.0	17.1

growth rates in 2003. The higher growth in deposits in 2004 could be attributed to accelerated growth in deposits of ‘Private Corporate (Non-financial)’, ‘Government’ and ‘Financial’ sectors.

The relative share of term deposits was at 60.2 per cent in incremental deposits in 2004 compared to 56.5 per cent in 2003. The share of term deposits increased for ‘Government’ and ‘Financial’ sectors. In the case of ‘Household sector’, the relative share of term deposits in incremental deposits dipped to 11.2 per cent in 2004 from 40.8 per cent in 2003 while the contribution of savings deposits increased from 46.6 per cent in 2003 to 54.4 per cent in 2004. Among the five sectors, the relative share of current deposits in incremental deposits was the maximum at 42.6 per cent for ‘Private Corporate sector’ (Non-financial) in 2004. The percentage contribution of the three types of deposits in incremental deposits of the selected sectors is given in Table 2.

III.2 OWNERSHIP PATTERN OF DEPOSITS ACCORDING

TO POPULATION GROUPS / STATES AND UNION TERRITORIES / METROPOLITAN CENTRES

III.2.1 POPULATION GROUPS

The ownership of deposits classified by population groups is presented in Statement 2. The metropolitan areas accounted for the major share of 51.2 per cent in total deposits, while the deposits of rural, semi-urban and urban areas accounted for 10.6 per cent, 16.7 per cent and 21.5 per cent, respectively as on March 31, 2004. The share of metropolitan group, in 2004, increased considerably over that in 2003 resulting in the decline in the shares of remaining population groups, viz., rural, semi-urban and urban, as depicted in Chart 4.

The ‘Household sector’ accounted for the highest share in total deposits in each of the population groups. The share of ‘Household sector’ was 85.3 per cent in rural areas, 71.7 per cent in semi-urban areas, 66.6 per cent in urban areas and 45.0 per cent in metropolitan

Table 2: The contribution of the three types of deposits in incremental deposits of the selected sectors


								(Per cent)

Sectors	Contribution in incremental deposits in 2004 over 2003				Contribution in incremental deposits in 2003 over 2002

	Current	Savings	Term	Total	Current	Savings	Term	Total

Government	4.9	7.2	87.9	100	17.6	14.1	68.3	100

Private corporate
(Non-financial)	42.6	2.0	55.4	100	26.9	10.9	62.2	100

Financial	10.8	2.5	86.7	100	1.8	12.5	85.7	100

Household Sector	34.4	54.4	11.2	100	12.6	46.6	40.8	100

Foreign	4.6	41.4	54.0	100	0.4	10.5	89.1	100

Total	20.6	19.2	60.2	100	11.3	32.2	56.5	100

areas as on March 31, 2004. ‘Individuals (including Hindu Undivided Families-HUFs)’ were the major constituent of the ‘Household sector’ in all the population groups and held three-fourths of the deposits in rural areas. Further, ‘Farmers’ held a significant portion at 32.7 per cent of total deposits in the rural areas. Shares of ‘Businessmen, Traders, Professionals and Self-employed Persons’ in the rural, semi-urban and urban areas were in the narrow range of 11.6 per cent to 11.9 per cent, while that in the metropolitan areas was 7.6 per cent. The share of ‘Wage and Salary Earners’ under the category of ‘Individuals (including HUFs)’ of the ‘Household sector’ was higher for urban and semi-urban areas at 15.0 per cent and 15.5 per cent among different population groups.

The ‘Government sector’ comprises Central and State Governments, Local Bodies, Quasi-Government Bodies (like, State Electricity Boards) and Public Sector Corporations and Companies. Deposits from the ‘Government sector’ constituted 5.3 per cent of the total deposits in rural areas as on March 31, 2004. The share of deposits held by the ‘Government sector’ in the semi-urban areas was 7.8 per cent, while in urban areas, it stood at 14.5 per cent. In the metropolitan areas, the ‘Government sector’ held a substantially higher share at 18.6 per cent compared to its share in other population groups.

The share of ‘Private Corporate sector (Non-financial)’ in total deposits of the metropolitan areas was at 13.6 per cent as on March 31, 2004. This sector, however, held very small shares in the range of 0.8 percent to 3.0 per cent of bank deposits in other population groups.

The share of ‘Financial sector’ was 12.2 per cent of total deposits in metropolitan areas. The ‘Financial sector’ accounted for lower shares at 6.2 per cent in urban areas, 4.4 per cent in semi-urban areas and 1.5 per cent in rural areas. ‘Banks’ accounted for the single largest portion in the share of ‘Financial sector’ in all population groups being reflection of inter-bank deposits. The ‘Insurance Corporations and Companies’, another constituent of ‘Financial sector’, held a share of 2.0 per cent of the total deposits in metropolitan areas while their shares in other population groups were below 0.3 per cent.

The ‘Foreign sector’, comprising deposits of nonresidents and foreign embassies, etc., accounted for 14.9 per cent, 10.7 per cent, 9.6 per cent and 7.1 per cent of deposits in semi-urban, metropolitan, urban and rural areas, respectively (Statement 2). Deposits from ‘Non-Residents’ was the major constituent holding 13.8 per cent and 9.6 per cent in total deposits in semi-urban and metropolitan areas in 2004, respectively while in rural and urban population groups, these shares were 6.0 and 8.0 per cent, respectively.

Considering the deposits by their type, the results indicated that metropolitan areas accounted for the highest share and rural areas accounted for the lowest share in all the types of deposits (Chart 5a). Metropolitan areas held a share of 34.6 per cent in savings deposits, while semi-urban and urban areas had shares of 23.5 per cent and 25.1 per cent, respectively. Rural areas accounted for only 16.9 per cent of total savings deposits. In respect of current deposits, the metropolitan areas accounted for the

largest share at 62.2 per cent, followed by urban areas at 21.2 per cent and semi-urban areas at 12.5 per cent. In the case of term deposits, metropolitan areas had a share of 55.3 per cent, followed by urban, semi-urban and rural areas at 20.2 per cent, 14.9 per cent and 9.6 per cent, respectively.

The distribution of deposits according to type and population groups is presented in Chart 5b. The share of term deposits was predominant between 56.2 per cent and 67.8 per cent in various population groups.

III.2.2 STATES/UNION TERRITORIES

The ownership pattern of deposits classified according to States/Union Territories is presented in Statement 3. The bank deposits have been primarily mobilised from the ‘Household sector’ in all States and Union Territories. At all India level, share of household deposits in total deposits worked out to 58.4 per cent in 2004. Predominance of ‘Household sector’ can be adjudged from the fact that in 5 States (Arunachal Pradesh, Haryana, Sikkim, Assam and Tripura), the contribution from this sector was more than 80 per cent of total deposits. However, their combined share in ‘Household sector’ deposits was 4.7 per cent while these States accounted for 3.2 per cent in total deposits. Similarly, the States having ‘Household sector’ deposits between 70-80 per cent of their respective total deposits, were Jharkhand, Bihar, Uttar Pradesh, Rajasthan, Himachal Pradesh, Jammu & Kashmir, Orissa, Madhya Pradesh and Dadra & Nagar Haveli, whose combined share in ‘Household sector’ total deposits was 24.5 per cent as against their combined share at 19.3 per cent in aggregate

deposits. The States/UTs having ‘Household sector’ deposits between 58.4 per cent and 70.0 per cent had contributed 32.5 per cent of ‘Household sector’ deposits while these states accounted for 29.1 per cent of total deposits. At the other end of the spectrum, the States/ UTs having ‘Household sector’ deposits less than 58.4 per cent were Delhi, Maharashtra, Goa, Karnataka, Chattisgarh, Kerala, Chandigarh and Lakshdweep accounting for 38.1 per cent of ‘Household sector’ deposits and 48.4 per cent total deposits in 2004. Higher the share of ‘Household sector’ deposits in a state is indicative of low level of activities in other sectors (viz., Government, Private Corporate (Non-Financial), Financial and Foreign).

In nine States, the share of the ‘Government Sector’ in the total deposits was lower than 10 per cent as on March 31, 2004. This sector had significant contribution in the total deposits mobilised in most of the small States/ Union Territories.

The share of ‘Foreign sector’ in total deposits was below 5 per cent in respect of a number of States/Union Territories. The ‘Foreign sector’ accounted for 30-45 per cent of deposits in respect of Kerala, Daman & Diu and Goa; the share ranged between 15 and 22 per cent for states like, Punjab, Pondicherry, Gujarat and Chandigarh, reflecting nonresident deposits.

The ‘Private Corporate sector (Non-Financial)’ held high share in total deposits ranging from 11.4 to 16.6 per cent in Karnataka, Maharashtra, Tamil Nadu and Delhi. The deposits from ‘Banks’ had the highest share in Jammu & Kashmir at 8.6 per cent followed by Maharashtra at 7.1 per cent and Rajasthan at 6.9 per cent.

III.2.3 MAJOR METROPOLITAN CENTERS

The ownership pattern of deposits of the four major metropolitan centers, viz., Mumbai, Delhi, Kolkata and Chennai, is presented in Statement 4. Among these metropolitan centres, the share of ‘Household sector’ in total deposits as on March 31, 2004 was the highest in Kolkata (53.9 per cent) and the lowest in Mumbai (36.8 per cent). The highest share of ‘Government sector’ was recorded in Delhi (36.5 per cent). The share of ‘Government sector’ was in the range of 6.8 per cent to 15.6 per cent in other three centres. The share of ‘Private Corporate sector (Non-financial)’ was the highest in

Chennai (19.6 per cent). The ‘Foreign sector’ accounted for 14.4 per cent and 13.8 per cent of total deposits in Chennai and Mumbai, respectively. Inter-bank deposits constituted less than 10 per cent of total deposits in all the four metropolitan centers, viz., Chennai, Delhi, Kolkata and Mumbai and had the highest share at 8.1 per cent in Mumbai.

III.3 OWNERSHIP PATTERN OF DEPOSITS ACCORDING

TO BANK GROUPS

III.3.1 COMPOSITION OF DEPOSITS BY TYPE OF ACCOUNT

The bank-group-wise composition of deposits is presented in Statement 5. The Nationalised Banks accounted for the largest share of 44.7 per cent of total deposits as on March 31, 2004, followed by SBI & its Associates (23.7 per cent), OSCBs (20.1 per cent) and Foreign Banks (8.5 per cent) (Chart 6).

Considering total deposits by their type, term deposits accounted for the largest share of 57.4 per cent in the total deposits held by SBI & its Associates while savings deposits formed 29.3 per cent, as at the end of March 2004. In the case of Nationalised Banks, current deposits accounted for 9.5 per cent, savings deposits were at 25.3 per cent and term deposits at 65.2 per cent of total deposits. RRBs had 46.3 per cent of their deposits in savings deposits category, which was the highest among the bank groups, and 49.2 per cent of their deposits in term deposits category. In respect of OSCBs, term deposits accounted for the largest share of 69.9 per cent of total deposits (Chart 7).

III.3.2 OWNERSHIP PATTERN OF DEPOSITS ACCORDING

TO SECTOR

The ownership pattern of deposits according to sector and bank group as on March 31, 2004 is presented in Statement 6. The ‘Household sector’ accounted for the highest share in total deposits in all bank groups, although the share of this sector for Foreign Banks at 41.2 per cent, was the lowest. The share of the ‘Household sector’ in total deposits was at 58.1 per cent for SBI & its Associates, 63.5 per cent for Nationalised Banks, and 50.2 per cent for OSCBs while it was 87.0 per cent for RRBs, the highest among all bank groups.

‘Individuals (including HUFs)’ category was the major constituent of the ‘Household sector’, in all the bank groups, though its share ranged from 30.6 per cent in the case of Foreign Banks to as high as 79.1 per cent for RRBs. ‘Farmers’, included in ‘Individuals (including HUFs)’, category had a share of 37.2 per cent of the total deposits of RRBs, which was the highest among bank groups. Further, ‘Businessmen, Traders, Professionals and Self-employed Persons’ had a share of 18.4 per cent in deposits held with RRBs. The share of ‘Wage and Salary Earners’ in total deposits, was found to be the highest at 17.8 per cent in the case of SBI & its Associates.

The share of the ‘Government sector’ was the highest at 18.6 per cent, each, in respect of deposits with SBI & its Associates and Nationalised Banks. This sector’s share for RRBs was at 11.1 per cent and for OSCBs at 7.2 per cent. In the case of SBI & its Associates, within the ‘Government sector’, ‘Central and State Governments’ held 8.4 per cent and ‘Public Sector Corporations and Companies’ held 5.1 per cent of total deposits. ‘Quasi-Government undertakings’ and ‘Local Authorities’ had shares at 2.8 per cent and 2.3 per cent, respectively, of total deposits. As regards Nationalised Banks, the shares for sub-sectors ‘Central and State Governments’ and ‘Public Sector Corporations and Companies’ were at 5.7 per cent and 6.3 per cent of total deposits, respectively, while ‘Quasi-Government undertakings’ and ‘Local Authorities’ had shares at 4.1 per cent and 2.9 per cent of total deposits in 2004, respectively.

‘Government sector’ deposits with RRBs (11.1 per cent of total deposits) were largely contributed by ‘State Governments’ (6.3 per cent) and ‘Local Authorities’ (3.1 per cent). ‘Public Sector Corporations and Companies’ with a share of 4.8 per cent of the total deposits accounted for the largest part of deposits of ‘Government sector’ held with OSCBs.

The share of ‘Private Corporate sector (Non-financial)’ in the total deposits among bank groups was the highest for Foreign Banks (34.0 per cent), followed by OSCBs (13.6 per cent). The corresponding shares in total deposits with SBI & its Associates and Nationalised Banks were relatively low at 3.3 per cent and 3.2 per cent in 2004, respectively.

The contribution of ‘Financial sector’ to the total deposits, held with different bank groups, was the highest for OSCBs (19.3 per cent). The corresponding share for SBI & its Associates was 7.7 per cent, followed by Foreign Banks (7.1 per cent) and Nationalised Banks (4.7 per cent).

The interbank deposits, as indicated by ‘Banks’ sub-sector within the ‘Financial sector’, accounted for 7.7 per cent, 5.6 per cent and 4.5 per cent of the total deposits in respect of OSCBs, Foreign Banks and SBI & its Associates, respectively.

The share of deposits from ‘Non-Residents’ (which include, besides individuals, overseas companies, partnership firms, societies, other corporate bodies and overseas trusts which are owned, to the extent of at least 60 per cent by Non-Residents of Indian nationality or origin) was the highest in the case of Foreign Banks (15.8 per cent of total deposits), while their shares for OSCBs, Nationalised Banks and SBI & its Associates were lower in the range of 8.7 per cent to 10.7 per cent.

Statement 1 : Ownership of Deposits with Scheduled Commercial Banks by type of Deposits and Sector - March 2003 and 2004



																(Rupees crore)


				Current		Savings		Term			Total				Variations
			Sector

				2003	2004	2003	2004	2003		2004	2003		2004	Current	Savings	Term	Total


			1	2	3	4	5	6		7	8		9	10	11	12	13


I.	Government Sector			29,662	33,237	22,355	27,703	1,02,856	1,67,627		1,54,873	2,28,566		3,574	5,348	64,771	73,693
				(19.4)	(16.2)	(6.8)	(7.3)	(12.3)		(17.0)	(11.8)		(14.5)	(6.7)	(10.8)	(41.8)	(28.6)

	1.	Central & State Governments		11,471	12,746	11,217	16,624	33,564		49,592	56,252		78,962	1,275	5,407	16,028	22,710
				(7.5)	(6.2)	(3.4)	(4.4)	(4.0)		(5.0)	(4.3)		(5.0)	(2.4)	(11.0)	(10.3)	(8.8)

		i)	Central Government	4,957	5,858	1,135	1,494	18,639		29,774	24,731		37,126	901	359	11,135	12,395
				(3.2)	(2.8)	(0.3)	(0.4)	(2.2)		(3.0)	(1.9)		(2.4)	(1.7)	(0.7)	(7.2)	(4.8)
		ii)	State Governments	6,514	6,888	10,082	15,130	14,926		19,818	31,522		41,836	374	5,048	4,893	10,315
				(4.3)	(3.3)	(3.0)	(4.0)	(1.8)		(2.0)	(2.4)		(2.7)	(0.7)	(10.2)	(3.2)	(4.0)

	2.	Local Authorities		2,044	3,608	5,992	5,297	13,662		19,425	21,697		28,330	1,564	-695	5,763	6,633
				(1.3)	(1.8)	(1.8)	(1.4)	(1.6)		(2.0)	(1.6)		(1.8)	(2.9)	(-1.4)	(3.7)	(2.6)

	3.	Quasi Government Bodies		7,585	8,022	1,795	2,394	25,739		31,422	35,119		41,838	437	599	5,683	6,719
				(5.0)	(3.9)	(0.5)	(0.6)	(3.1)		(3.2)	(2.7)		(2.7)	(0.8)	(1.2)	(3.7)	(2.6)

		Of which: State Electricity Boards		3,490	3,408	229	208	4,382		6,777	8,101		10,393	-82	-21	2,394	2,292
				(2.3)	(1.7)	(0.1)	(0.1)	(0.5)		(0.7)	(0.6)		(0.7)	(-0.2)	—	(1.5)	(0.9)

	4.	Public Sector Corporations		8,563	8,860	3,351	3,388	29,891		67,188	41,804		79,437	298	36	37,298	37,632
		and Companies		(5.6)	(4.3)	(1.0)	(0.9)	(3.6)		(6.8)	(3.2)		(5.0)	(0.6)	(0.1)	(24.1)	(14.6)

		i)	Non - Departmental Commercial	5,075	5,108	523	376	13,692		46,771	19,290		52,255	33	-147	33,079	32,964
			Undertakings	(3.3)	(2.5)	(0.2)	(0.1)	(1.6)		(4.7)	(1.5)		(3.3)	(0.1)	(-0.3)	(21.3)	(12.8)

		ii)	Others	3,487	3,752	2,828	3,012	16,199		20,418	22,514		27,182	265	184	4,219	4,668
				(2.3)	(1.8)	(0.9)	(0.8)	(1.9)		(2.1)	(1.7)		(1.7)	(0.5)	(0.4)	(2.7)	(1.8)

II.	Private Corporate Sector			22,099	45,870	993	2,147	44,699		75,630	67,791	1,23,646		23,770	1,153	30,932	55,855
	(Non - Financial)			(14.5)	(22.3)	(0.3)	(0.6)	(5.4)		(7.7)	(5.1)		(7.9)	(44.8)	(2.3)	(20.0)	(21.7)

1.	Non- Financial Companies			15,341	37,871	158	1,040	29,558		62,841	45,058	1,01,752		22,530	882	33,283	56,695
				(10.0)	(18.4)	—	(0.3)	(3.5)		(6.4)	(3.4)		(6.5)	(42.4)	(1.8)	(21.5)	(22.0)

2.	Non-Credit Co -operative			798	296	282	314	1,519		1,429	2,599		2,039	-502	32	-90	-561
	Institutions			(0.5)	(0.1)	(0.1)	(0.1)	(0.2)		(0.1)	(0.2)		(0.1)	(-0.9)	(0.1)	(-0.1)	(-0.2)

3.	Others			5,960	7,702	552	792	13,622		11,361	20,134		19,856	1,742	240	-2,261	-279
				(3.9)	(3.7)	(0.2)	(0.2)	(1.6)		(1.1)	(1.5)		(1.3)	(3.3)	(0.5)	(-1.5)	(-0.1)

Statement 1 : Ownership of Deposits with Scheduled Commercial Banks by Type of Deposits and Sector - March 2003 and 2004 (Contd.)


																(Rupees crore)

				Current		Savings		Term			Total				Variations
			Sector

				2003	2004	2003	2004	2003		2004	2003		2004	Current	Savings	Term	Total


			1	2	3	4	5	6		7	8		9	10	11	12	13


III. Financial Sector				21,693	26,570	3,323	4,451	62,876	1,02,148		87,892	1,33,169		4,877	1,128	39,272	45,277
				(14.2)	(12.9)	(1.0)	(1.2)	(7.5)		(10.3)	(6.7)		(8.5)	(9.2)	(2.3)	(25.3)	(17.6)

1.	Banks			10,508	11,534	1,548	1,921	41,864		45,424	53,920		58,880	1,027	373	3,560	4,960
				(6.9)	(5.6)	(0.5)	(0.5)	(5.0)		(4.6)	(4.1)		(3.7)	(1.9)	(0.8)	(2.3)	(1.9)

	i)	Indian Commercial Banks		6,865	7,072	1,301	1,264	32,152		29,885	40,318		38,222	207	-37	-2,267	-2,096
				(4.5)	(3.4)	(0.4)	(0.3)	(3.9)		(3.0)	(3.1)		(2.4)	(0.4)	(-0.1)	(-1.5)	(-0.8)

	ii)	Foreign Resident Banks		653	896	2	108	530		3,006	1,186		4,010	242	106	2,475	2,824
		(Offices of Foreign Banks		(0.4)	(0.4)	—	—	(0.1)		(0.3)	(0.1)		(0.3)	(0.5)	(0.2)	(1.6)	(1.1)
		in India )

	iii)	Co-operative Banks &		2,989	3,566	245	549	9,182		12,534	12,416		16,648	577	304	3,351	4,232
		Credit societies		(2.0)	(1.7)	(0.1)	(0.1)	(1.1)		(1.3)	(0.9)		(1.1)	(1.1)	(0.6)	(2.2)	(1.6)

		a.	Co-operative Banks	2,733	3,354	80	386	7,803		11,584	10,615		15,325	622	306	3,782	4,709
				(1.8)	(1.6)	—	(0.1)	(0.9)		(1.2)	(0.8)		(1.0)	(1.2)	(0.6)	(2.4)	(1.8)

		b.	Credit Societies	257	212	165	163	1,380		949	1,801		1,324	-45	-2	-430	-477
				(0.2)	(0.1)	—	—	(0.2)		(0.1)	(0.1)		(0.1)	(-0.1)	—	(-0.3)	(-0.2)

2.	Other Financial Institutions			6,634	7,448	1,049	1,583	12,568		38,334	20,251		47,366	815	534	25,766	27,115
				(4.3)	(3.6)	(0.3)	(0.4)	(1.5)		(3.9)	(1.5)		(3.0)	(1.5)	(1.1)	(16.6)	(10.5)

	i)	Financial Companies		549	860	30	31	1,580		1,759	2,160		2,651	311	1	179	491
				(0.4)	(0.4)	—	—	(0.2)		(0.2)	(0.2)		(0.2)	(0.6)	—	(0.1)	(0.2)

		a.	Housing Finance	309	548	7	29	1,311		1,507	1,627		2,085	240	22	196	458
			Companies	(0.2)	(0.3)	—	—	(0.2)		(0.2)	(0.1)		(0.1)	(0.5)	—	(0.1)	(0.2)

		b.	Auto Finance Companies	240	312	23	2	269		252	532		566	72	-21	-17	33

				(0.2)	(0.2)	—	—	—		—	—		—	(0.1)	—	—	—

	ii)	Mutual Funds		99	391	2	40	642		10,081	743		10,513	292	38	9,440	9,770
		(including Private Sector		(0.1)	(0.2)	—	—	(0.1)		(1.0)	(0.1)		(0.7)	(0.5)	(0.1)	(6.1)	(3.8)
		Mutual Funds)

		a.	Mutual Funds in Private Sector	37	239	1	30	281		3,378	319		3,646	202	28	3,097	3,327

				—	(0.1)	—	—	—		(0.3)	—		(0.2)	(0.4)	(0.1)	(2.0)	(1.3)

		b.	Other Mutual Funds	62	152	1	11	361		6,703	424		6,867	90	10	6,343	6,443

				—	(0.1)	—	—	—		(0.7)	—		(0.4)	(0.2)	—	(4.1)	(2.5)

Statement 1 : Ownership of Bank Deposits with Scheduled Commercial Banks by Type of Deposits and Sector - March 2003 and 2004 (Contd.)


														(Rupees crore)

				Current		Savings		Term		Total			Variations

			Sector

				2003	2004	2003	2004	2003	2004	2003	2004	Current	Savings	Term	Total


			1	2	3	4	5	6	7	8	9	10	11	12	13


		iii)	Unit Trust of India	96	408	1	1	14	926	111	1,335	313	-1	912	1,224
				(0.1)	(0.2)	—	—	—	(0.1)	—	(0.1)	(0.6)	—	(0.6)	(0.5)

		iv)	Insurance Corporations and	4,107	4,325	58	104	6,601	13,680	10,766	18,109	218	46	7,079	7,343
			Companies (Life and General)	(2.7)	(2.1)	—	—	(0.8)	(1.4)	(0.8)	(1.2)	(0.4)	(0.1)	(4.6)	(2.9)

		v)	Term Lending Institutions	635	617	10	6	2,478	3,225	3,123	3,848	-18	-4	747	725
				(0.4)	(0.3)	—	—	(0.3)	(0.3)	(0.2)	(0.2)	—	—	(0.5)	(0.3)

		vi)	Provident Fund Institutions	1,148	847	947	1,401	1,253	8,662	3,348	10,910	-301	453	7,410	7,563
				(0.8)	(0.4)	(0.3)	(0.4)	(0.2)	(0.9)	(0.3)	(0.7)	(-0.6)	(0.9)	(4.8)	(2.9)

	3.	Other Financial Companies @		4,552	7,587	726	946	8,444	18,390	13,722	26,924	3,035	221	9,945	13,201
				(3.0)	(3.7)	(0.2)	(0.2)	(1.0)	(1.9)	(1.0)	(1.7)	(5.7)	(0.4)	(6.4)	(5.1)

		i)	Financial Services Companies	444	2,666	9	13	1,251	2,774	1,704	5,453	2,222	4	1,523	3,749
				(0.3)	(1.3)	—	—	(0.2)	(0.3)	(0.1)	(0.3)	(4.2)	—	(1.0)	(1.5)

		ii)	Other Financial Companies	1,144	3,120	78	125	3,035	8,057	4,257	11,302	1,976	47	5,022	7,044
				(0.7)	(1.5)	—	—	(0.4)	(0.8)	(0.3)	(0.7)	(3.7)	(0.1)	(3.2)	(2.7)

		iii)	Others	2,963	1,801	639	809	4,158	7,559	7,761	10,169	-1,163	170	3,401	2,408
				(1.9)	(0.9)	(0.2)	(0.2)	(0.5)	(0.8)	(0.6)	(0.6)	(-2.2)	(0.3)	(2.2)	(0.9)

IV.	Household Sector			74,718	94,452	2,86,670	3,17,934	5,00,192	5,06,622	8,61,580	9,19,008	19,734	31,264	6,430	57,428
				(48.9)	(45.9)	(86.7)	(83.6)	(60.0)	(51.3)	(65.4)	(58.4)	(37.2)	(63.4)	(4.1)	(22.3)

	1.	Individuals (including Hindu		40,465	51,421	2,48,512	2,73,513	4,02,317	3,83,804	6,91,294	7,08,737	10,956	25,001	-18,513	17,444
		Undivided Families)		(26.5)	(25.0)	(75.1)	(72.0)	(48.3)	(38.8)	(52.5)	(45.0)	(20.6)	(50.7)	(-11.9)	(6.8)

		i)	Farmers	1,927	617	44,461	43,908	72,971	59,881	1,19,359	1,04,406	-1,310	-553	-13,090	-14,953
				(1.3)	(0.3)	(13.4)	(11.6)	(8.8)	(6.1)	(9.1)	(6.6)	(-2.5)	(-1.1)	(-8.4)	(-5.8)

		ii)	Businessmen, Traders,	25,191	29,676	44,921	45,267	87,635	76,746	1,57,747	1,51,689	4,484	346	-10,889	-6,058
			Professionals and	(16.5)	(14.4)	(13.6)	(11.9)	(10.5)	(7.8)	(12.0)	(9.6)	(8.4)	(0.7)	(-7.0)	(-2.4)
			Self - Employed Persons

		iii)	Wage and Salary Earners	2,600	1,637	76,014	87,337	98,417	92,553	1,77,031	1,81,527	-963	11,323	-5,864	4,496
				(1.7)	(0.8)	(23.0)	(23.0)	(11.8)	(9.4)	(13.4)	(11.5)	(-1.8)	(22.9)	(-3.8)	(1.7)

@Includes (a) ‘Financial Service Companies’ which undertake issue management, portfolio management etc., (b) ‘Other Financial Companies’ which are engaged in leasing hire purchase, loan companies, etc.,and (c) ‘Others’ including non-profit institutions serving business, like FICCI, CII, ASSOCHAM, etc.

Statement 1 : Ownership of Deposits with Scheduled Commercial Banks by Type of Deposits and Sector - March 2003 and 2004(Concld.)


													(Rupees crore)

			Current		Savings		Term		Total			Variations

		Sector

			2003	2004	2003	2004	2003	2004	2003	2004	Current	Savings	Term	Total


		1	2	3	4	5	6	7	8	9	10	11	12	13

	iv)	Shroffs, Money Lenders,	619	593	1,645	1,889	3,788	3,253	6,052	5,734	-26	244	-535	-318

		Stock Brokers, Dealers	(0.4)	(0.3)	(0.5)	(0.5)	(0.5)	(0.3)	(0.5)	(0.4)	—	(0.5)	(-0.3)	(-0.1)
		in Bullion etc.

	v)	Other Individuals	10,128	18,898	81,471	95,112	1,39,505	1,51,370	2,31,104	2,65,381	8,771	13,641	11,865	34,277
			(6.6)	(9.2)	(24.6)	(25.0)	(16.7)	(15.3)	(17.6)	(16.9)	(16.5)	(27.6)	(7.7)	(13.3)

	2.	Trusts, Associations, Clubs etc.	2,733	3,753	3,918	6,036	13,228	21,812	19,879	31,601	1,020	2,117	8,584	11,722
			(1.8)	(1.8)	(1.2)	(1.6)	(1.6)	(2.2)	(1.5)	(2.0)	(1.9)	(4.3)	(5.5)	(4.6)

	3.	Proprietary and Partnership	23,660	27,104	1,808	1,975	18,452	18,853	43,920	47,932	3,443	167	401	4,012
		concerns etc.	(15.5)	(13.2)	(0.5)	(0.5)	(2.2)	(1.9)	(3.3)	(3.0)	(6.5)	(0.3)	(0.3)	(1.6)

	4.	Educational Institutions	1,697	2,365	4,390	5,415	10,455	13,320	16,542	21,100	668	1,025	2,864	4,558
			(1.1)	(1.1)	(1.3)	(1.4)	(1.3)	(1.3)	(1.3)	(1.3)	(1.3)	(2.1)	(1.8)	(1.8)

	5.	Religious Institutions	176	305	1,284	1,325	4,417	4,677	5,878	6,307	129	41	259	429
			(0.1)	(0.1)	(0.4)	(0.3)	(0.5)	(0.5)	(0.4)	(0.4)	(0.2)	(0.1)	(0.2)	(0.2)

	6.	Others(not elsewhere classified)	5,987	9,505	26,757	29,669	51,323	64,158	84,068	1,03,332	3,518	2,912	12,834	19,264
			(3.9)	(4.6)	(8.1)	(7.8)	(6.2)	(6.5)	(6.4)	(6.6)	(6.6)	(5.9)	(8.3)	(7.5)

V.	Foreign Sector		4,486	5,647	17,406	27,863	1,22,720	1,36,357	1,44,613	1,69,867	1,161	10,458	13,636	25,255
			(2.9)	(2.7)	(5.3)	(7.3)	(14.7)	(13.8)	(11.0)	(10.8)	(2.2)	(21.2)	(8.8)	(9.8)

	1.	Foreign Consulates, Embassies,	194	429	188	352	743	1,590	1,124	2,370	235	164	847	1,246
		Trade Missions, Information	(0.1)	(0.2)	(0.1)	(0.1)	(0.1)	(0.2)	(0.1)	(0.2)	(0.4)	(0.3)	(0.5)	(0.5)
		Services etc.

	2.	Non-Residents	1,208	2,896	14,086	24,094	1,10,001	1,23,736	1,25,295	1,50,726	1,689	10,007	13,736	25,432
			(0.8)	(1.4)	(4.3)	(6.3)	(13.2)	(12.5)	(9.5)	(9.6)	(3.2)	(20.3)	(8.9)	(9.9)

	3.	Others	3,085	2,322	3,131	3,418	11,977	11,031	18,194	16,771	-763	286	-946	-1,423
			(2.0)	(1.1)	(0.9)	(0.9)	(1.4)	(1.1)	(1.4)	(1.1)	(-1.4)	(0.6)	(-0.6)	(-0.6)

Total	3,80,097			1,52,659	2,05,775	3,30,746	8,33,344	9,88,385	13,16,749	15,74,257	53,116	49,351	1,55,041	2,57,508

			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Note :Figures in brackets indicate percentages to total. ‘—’ = Nil or Negligible.

Statement 2 : Population Group-wise Ownership of Deposits of Scheduled Commercial Banks, March 2004



												(Rupees crore)


				Rural		Semi-urban		Urban		Metropolitan		Total
			Sector

				Amount	Per cent	Amount	Per cent	Amount Per	cent	Amount	Per cent	Amount	Per cent


			1	2	3	4	5	6	7	8	9	10	11

I.	Government Sector			8,846	5.3	20,440	7.8	49,234	14.5	1,50,046	18.6	2,28,566	14.5
	1.	Central & State Governments		4,154	2.5	9,638	3.7	16,198	4.8	48,972	6.1	78,962	5.0
		i)	Central Government	837	0.5	1,728	0.7	4,289	1.3	30,271	3.8	37,126	2.4
		ii)	State Governments	3,317	2.0	7,910	3.0	11,908	3.5	18,700	2.3	41,836	2.7
	2.	Local Authorities		1,597	1.0	4,675	1.8	6,926	2.0	15,132	1.9	28,330	1.8
	3.	Quasi-Government Bodies		1,077	0.6	2,811	1.1	14,388	4.2	23,562	2.9	41,838	2.7
		Of which: State Electricity Boards		294	0.2	821	0.3	5,568	1.6	3,710	0.5	10,393	0.7
	4.	Public Sector Corporations and
		Companies		2,017	1.2	3,316	1.3	11,722	3.5	62,381	7.7	79,437	5.0
		i)	Non-Departmental Commercial
			Undertakings	370	0.2	1,536	0.6	5,927	1.7	44,422	5.5	52,255	3.3
		ii)	Others	1,647	1.0	1,780	0.7	5,796	1.7	17,959	2.2	27,182	1.7
II.	Private Corporate Sector			1,274	0.8	3,010	1.1	10,164	3.0	1,09,200	13.6	1,23,646	7.9
	(Non-Financial )
	1.	Non-Financial Companies		633	0.4	2,123	0.8	7,009	2.1	91,987	11.4	1,01,752	6.5
	2.	Non-Credit Co-operative Institutions		36	—	197	0.1	463	0.1	1,342	0.2	2,039	0.1
	3.	Others		604	0.4	689	0.3	2,691	0.8	15,870	2.0	19,856	1.3
III.	Financial Sector			2,548	1.5	11,536	4.4	21,147	6.2	97,939	12.2	1,33,169	8.5
	1.	Banks		1,978	1.2	8,959	3.4	15,262	4.5	32,681	4.1	58,880	3.7
		i)	Indian Commercial Banks	1,565	0.9	5,758	2.2	9,489	2.8	21,410	2.7	38,222	2.4
		ii)	Foreign Resident Banks (Offices of -	6	—	119	—	106	—	3,778	0.5	4,010	0.3
			Foreign Banks in India)
		iii)	Co-operative Banks & Credit
			Societies	407	0.2	3,083	1.2	5,667	1.7	7,492	0.9	16,648	1.1
			a. Co-operative Banks	251	0.1	2,833	1.1	5,212	1.5	7,029	0.9	15,325	1.0
			b. Credit Societies	156	0.1	249	0.1	454	0.1	464	0.1	1,324	0.1
	2.	Other Financial Institutions		181	0.1	1,318	0.5	3,509	1.0	42,357	5.3	47,366	3.0
		i)	Financial Companies	20	—	55	—	469	0.1	2,107	0.3	2,651	0.2
			a. Housing Finance Companies	19	—	23	—	375	0.1	1,668	0.2	2,085	0.1
			b. Auto Finance Companies	1	—	31	—	94	—	439	0.1	566	—
		ii)	Total of Mutual Funds (including	—	—	146	0.1	335	0.1	10,031	1.2	10,513	0.7
			Private Sector Mutual Funds)
			a. Mutual Funds in Private Sector	—	—	5	—	90	—	3,551	0.4	3,646	0.2
			b. Other Mutual Funds	—	—	141	0.1	245	0.1	6,480	0.8	6,867	0.4

Statement 2 : Population Group-wise Ownership of Deposits of Scheduled Commercial Banks, March 2004 (Concld.)

												(Rupees crore)


				Rural		Semi-urban		Urban		Metropolitan		Total
			Sector

				Amount	Per cent	Amount	Per Cent	Amount Per	cent	Amount	Per cent	Amount	Per cent


			1	2	3	4	5	6	7	8	9	10	11

		iii)	Unit Trust of India	17	—	—	—	9	—	1,308	0.2	1,335	0.1

		iv)	Insurance Corporations and
			Companies	83	—	820	0.3	1,026	0.3	16,180	2.0	18,109	1.2
			(Life and General)

		v)	Term Lending Institutions	4	—	144	0.1	218	0.1	3,482	0.4	3,848	0.2

		vi)	Provident Fund Institutions	57	—	153	0.1	1,451	0.4	9,249	1.1	10,910	0.7
	3.	Other Financial Companies@		389	0.2	1,259	0.5	2,375	0.7	22,900	2.8	26,924	1.7

		i)	Financial Services Companies	10	—	75	—	144	—	5,224	0.6	5,453	0.3

		ii)	Other Financial Companies	41	—	556	0.2	710	0.2	9,995	1.2	11,302	0.7

		iii)	Others	338	0.2	628	0.2	1,521	0.4	7,682	1.0	10,169	0.6

IV.	Household Sector			1,42,938	85.3	1,88,070	71.7	2,25,646	66.6	3,62,354	45.0	9,19,008	58.4

	1.	Individuals (including Hindu Undivided
		Families)		1,24,922	74.6	1,55,126	59.2	1,73,642	51.2	2,55,048	31.7	7,08,737	45.0
		i)	Farmers	54,761	32.7	30,530	11.6	10,995	3.2	8,119	1.0	1,04,406	6.6
		ii)	Businessmen, Traders, Professionals	19,486	11.6	30,336	11.6	40,421	11.9	61,446	7.6	1,51,689	9.6
			and Self-Employed Persons
		iii)	Wage and Salary Earners	23,242	13.9	40,648	15.5	50,868	15.0	66,768	8.3	1,81,527	11.5
		iv)	Shroffs, Money Lenders, Stock	613	0.4	1,087	0.4	2,127	0.6	1,907	0.2	5,734	0.4
			Brokers Dealers in Bullion etc.

		v)	Other Individuals	26,819	16.0	52,524	20.0	69,230	20.4	1,16,808	14.5	2,65,381	16.9
	2.	Trusts, Associations, Clubs etc.		1,416	0.8	3,140	1.2	4,887	1.4	22,158	2.8	31,601	2.0
	3.	Proprietary and Partnership Concerns etc.		1,468	0.9	6,122	2.3	13,365	3.9	26,977	3.3	47,932	3.0
	4.	Educational Institutions		2,076	1.2	3,421	1.3	6,728	2.0	8,874	1.1	21,100	1.3
	5.	Religious Institutions		961	0.6	1,930	0.7	1,985	0.6	1,432	0.2	6,307	0.4

	6.	Others (Not elsewhere Classified)		12,095	7.2	18,332	7.0	25,041	7.4	47,864	5.9	1,03,332	6.6

V.	Foreign Sector			11,946	7.1	39,162	14.9	32,663	9.6	86,095	10.7	1,69,867	10.8

	1.	Foreign Consulates, Embassies,		28	—	411	0.2	98	—	1,832	0.2	2,370	0.2
		Trade - Missions, Information
		Services etc.

	2.	Non-Residents		10,082	6.0	36,113	13.8	27,168	8.0	77,363	9.6	1,50,726	9.6

	3.	Others		1,836	1.1	2,638	1.0	5,397	1.6	6,900	0.9	16,771	1.1

		Total		1,67,552	100.0	2,62,218	100.0	3,38,854	100.0	8,05,634	100.0	15,74,257	100.0
Note: "- " = Nil or Negligible. @ Includes (a) ‘Financial Service Companies’ which undertake issue management, portfolio management etc., (b) ‘Other Financial Companies’ which are engaged in leasing hire purchase, loan companies, etc.,and (c) ‘Others’ indicating non-profit institutions serving business like FICCI, CII, ASSOCHEM, etc.

Statement 3 : Ownership Pattern of Deposits of Scheduled Commercial Banks Classified by States & Union Territories - March 2004



								(Rupees crore)

	Region / State /	Government	Foreign	Private		Financial Sector		Household	Total
	Union Territory	Sector	Sector	Corporate				Sector
					Banks	Other	Other
				Sector
						Financial	Financial
				(Non-financial)
						Institutions	Companies


1		2	3	4	5	6	7	8	9

NORTHERN REGION		86,408	32,815	26,675	8,921	4,711	3,097	2,16,818	3,79,446
		(22.8)	(8.6)	(7.0)	(2.4)	(1.2)	(0.8)	(57.1)	(100.0)

HARYANA		1,830	995	1,118	620	87	73	25,753	30,475
		(6.0)	(3.3)	(3.7)	(2.0)	(0.3)	(0.2)	(84.5)	(100.0)

HIMACHAL PRADESH		2,176	407	38	666	22	19	10,171	13,500
		(16.1)	(3.0)	(0.3)	(4.9)	(0.2)	(0.1)	(75.3)	(100.0)

JAMMU &	KASHMIR	2,078	555	47	1,533	377	137	13,127	17,853
		(11.6)	(3.1)	(0.3)	(8.6)	(2.1)	(0.8)	(73.5)	(100.0)

PUNJAB		2,019	12,949	943	1,447	446	66	41,555	59,425
		(3.4)	(21.8)	(1.6)	(2.4)	(0.7)	(0.1)	(69.9)	(100.0)

RAJASTHAN		3,179	2,719	1,144	3,039	463	197	33,253	43,993
		(7.2)	(6.2)	(2.6)	(6.9)	(1.1)	(0.4)	(75.6)	(100.0)

CHANDIGARH		3,344	2,114	462	334	133	38	7,027	13,451
		(24.9)	(15.7)	(3.4)	(2.5)	(1.0)	(0.3)	(52.2)	(100.0)

DELHI		71,783	13,076	22,923	1,283	3,185	2,567	85,931	2,00,747
		(35.8)	(6.5)	(11.4)	(0.6)	(1.6)	(1.3)	(42.8)	(100.0)

NORTH-EASTERN REGION		5,008	143	238	676	232	70	20,902	27,268
		(18.4)	(0.5)	(0.9)	(2.5)	(0.8)	(0.3)	(76.7)	(100.0)

ARUNACHAL PRADESH		139	—	—	45	1	1	1,110	1,295
		(10.7)	—	—	(3.5)	(0.1)	(0.1)	(85.7)	(100.0)

ASSAM		1,583	125	217	405	194	43	11,829	14,396
		(11.0)	(0.9)	(1.5)	(2.8)	(1.3)	(0.3)	(82.2)	(100.0)

MANIPUR		353	3	—	25	1	3	618	1,002
		(35.2)	(0.3)	—	(2.5)	(0.1)	(0.3)	(61.7)	(100.0)

MEGHALAYA		1,659	3	4	42	28	1	2,816	4,552
		(36.4)	(0.1)	(0.1)	(0.9)	(0.6)	—	(61.9)	(100.0)

MIZORAM		182	—	16	50	4	22	534	810
		(22.5)	—	(2.0)	(6.1)	(0.5)	(2.8)	(66.0)	(100.0)

Statement 3 : Ownership Pattern of Deposits of Scheduled Commercial Banks Classified by States & Union Territories (Contd.)

							(Rupees crore)

Region / State /	Government	Foreign	Private	Financial Sector			Household	Total
Union Territory	Sector	Sector	Corporate
				Banks	Other	Other	Sector
			Sector
					Financial	Financial
			(Non-financial)
					Institutions	Companies


1	2	3	4	5	6	7	8	9


NAGALAND	533	—	—	12	3	—	1,082	1,630
	(32.7)	—	—	(0.7)	(0.2)	—	(66.4)	(100.0)

TRIPURA	560	11	1	97	1	—	2,913	3,582
	(15.6)	(0.3)	—	(2.7)	—	—	(81.3)	(100.0)

EASTERN REGION	25,021	9,586	11,082	5,972	1,400	3,111	1,37,441	1,93,612
	(12.9)	(5.0)	(5.7)	(3.1)	(0.7)	(1.6)	(71.0)	(100.0)

BIHAR	4,741	734	394	1,708	144	124	25,139	32,984
	(14.4)	(2.2)	(1.2)	(5.2)	(0.4)	(0.4)	(76.2)	(100.0)

JHARKHAND	2,151	963	460	582	167	44	16,760	21,127
	(10.2)	(4.6)	(2.2)	(2.8)	(0.8)	(0.2)	(79.3)	(100.0)

ORISSA	4,782	554	337	1,206	76	110	19,410	26,475
	(18.1)	(2.1)	(1.3)	(4.6)	(0.3)	(0.4)	(73.3)	(100.0)

SIKKIM	162	2	22	48	3	—	1,263	1,499
	(10.8)	(0.1)	(1.4)	(3.2)	(0.2)	—	(84.2)	(100.0)

WEST BENGAL	12,780	7,330	9,860	2,381	1,008	2,825	74,068	1,10,252
	(11.6)	(6.6)	(8.9)	(2.2)	(0.9)	(2.6)	(67.2)	(100.0)

ANDAMAN & NICOBAR	405	4	9	47	1	7	802	1,276
	(31.7)	(0.3)	(0.7)	(3.7)	(0.1)	(0.6)	(62.8)	(100.0)

CENTRAL REGION	33,168	5,637	4,358	7,605	1,311	1,816	1,33,559	1,87,455
	(17.7)	(3.0)	(2.3)	(4.1)	(0.7)	(1.0)	(71.2)	(100.0)

CHHATTISGARH	7,610	313	282	1,144	149	58	12,091	21,646
	(35.2)	(1.4)	(1.3)	(5.3)	(0.7)	(0.3)	(55.9)	(100.0)

MADHYA PRADESH	7,204	1,969	2,050	1,517	438	254	32,048	45,480
	(15.8)	(4.3)	(4.5)	(3.3)	(1.0)	(0.6)	(70.5)	(100.0)

UTTAR PRADESH	13,436	2,745	1,975	3,890	686	1,460	77,221	1,01,414
	(13.2)	(2.7)	(1.9)	(3.8)	(0.7)	(1.4)	(76.1)	(100.0)

UTTARANCHAL	4,918	610	52	1,055	38	44	12,199	18,916
	(26.0)	(3.2)	(0.3)	(5.6)	(0.2)	(0.2)	(64.5)	(100.0)

Statement 3 : Ownership Pattern of Deposits of Scheduled Commercial Banks Classified by States & Union Territories (Concld.)



							(Rupees crore)

Region / State /	Government	Foreign	Private	Financial Sector			Household	Total
Union Territory	Sector	Sector	Corporate				Sector
				Banks	Other	Other
			Sector
					Financial	Financial
			(Non-financial)
					Institutions	Companies

1	2	3	4	5	6	7	8	9


WESTERN REGION	47,058	64,181	48,335	29,304	34,459	13,496	2,09,511	4,46,345
	(10.5)	(14.4)	(10.8)	(6.6)	(7.7)	(3.0)	(46.9)	(100.0)

GOA	752	4,066	645	271	19	244	7,592	13,589
	(5.5)	(29.9)	(4.7)	(2.0)	(0.1)	(1.8)	(55.9)	(100.0)

GUJARAT	7,592	14,689	3,411	4,290	1,005	1,453	49,462	81,901
	(9.3)	(17.9)	(4.2)	(5.2)	(1.2)	(1.8)	(60.4)	(100.0)

MAHARASHTRA	38,648	45,209	44,258	24,730	33,434	11,789	1,51,785	3,49,853
	(11.0)	(12.9)	(12.7)	(7.1)	(9.6)	(3.4)	(43.4)	(100.0)

DADRA & NAGAR HAVELI	50	1	20	5	—	9	230	316
	(15.9)	(0.4)	(6.3)	(1.7)	(0.1)	(2.9)	(72.8)	(100.0)

DAMAN & DIU	16	216	2	7	—	1	443	685
	(2.4)	(31.5)	(0.3)	(1.0)	—	(0.1)	(64.6)	(100.0)

SOUTHERN REGION	31,903	57,504	32,958	6,402	5,253	5,334	2,00,777	3,40,131
	(9.4)	(16.9)	(9.7)	(1.9)	(1.5)	(1.6)	(59.0)	(100.0)

ANDHRA PRADESH	14,199	6,871	4,432	1,354	679	913	51,696	80,144
	(17.7)	(8.6)	(5.5)	(1.7)	(0.8)	(1.1)	(64.5)	(100.0)

KARNATAKA	8,278	10,709	16,504	975	1,994	3,045	57,973	99,477
	(8.3)	(10.8)	(16.6)	(1.0)	(2.0)	(3.1)	(58.3)	(100.0)

KERALA	3,019	28,021	1,189	1,817	595	525	27,560	62,726
	(4.8)	(44.7)	(1.9)	(2.9)	(0.9)	(0.8)	(43.9)	(100.0)

TAMIL NADU	5,767	11,131	10,764	2,226	1,974	839	61,137	93,839
	(6.1)	(11.9)	(11.5)	(2.4)	(2.1)	(0.9)	(65.2)	(100.0)

LAKSHADWEEP	44	9	1	1	—	—	46	99
	(44.0)	(8.6)	(0.9)	(0.6)	—	—	(46.0)	(100.0)

PONDICHERRY	596	763	69	30	11	11	2,365	3,845
	(15.5)	(19.8)	(1.8)	(0.8)	(0.3)	(0.3)	(61.5)	(100.0)

TOTAL	2,28,566	1,69,867	1,23,646	58,880	47,366	26,924	9,19,008	15,74,257
	(14.5)	(10.8)	(7.9)	(3.7)	(3.0)	(1.7)	(58.4)	(100.0)
Note : Figures in brackets indicate percentages to total. " — " = Nil or Negligible.

Statement 5 : Composition of Deposits According to Bank Group and Type of Deposits March 2004

									(Rupees crore)

Bank Group	Current			Saving			Term		Total

	Amount	Percent	Amount		Percent	Amount	Percent	Amount	Percent

1	2	3	4		5	6	7	8	9



State Bank of India and its Associates	49636	13.3	1,09,472		29.3	2,14,776	57.4	3,73,884	100.0

								(23.7)




Nationalised Banks	67155	9.5	1,78,102		25.3	4,58,575	65.2	7,03,833	100.0

								(44.7)




Regional Rural Banks	2146	4.5	21829		46.3	23199	49.2	47173	100.0

								(3.0)




Foreign Banks	37961	28.4	24502		18.4	71043	53.2	1,33,506	100.0

								(8.5)




Other Scheduled Commercial Banks	48878	15.5	46191		14.6	2,20,791	69.9	3,15,861	100.0

								(20.1)



All Scheduled Commercial Banks	2,05,775	13.1	3,80,097		24.1	9,88,385	62.8	15,74,257	100.0

Note: Figures in brackets indicate percentages to total deposits of All Scheduled Commercial Banks.

Statement 6 : Pattern of Ownership of Deposits with Scheduled Commercial Banks Classified By Bank Groups - March 2004



													(Rupees crore)


			State Bank Of India		Nationalised			Regional	Other Sch.		Foreign		All Scheduled
		Sector	And		Banks			Rural	Commercial		Banks		Commercial
			Its Associates					Banks	Banks				Banks

			Amount	Percent	Amount	Percent	Amount	Percent	Amount Percent		Amount	Percent	Amount	Percent


		1	2	3	4	5	6	7	8	9	10	11	12	13


I. Government Sector			69,444	18.6	1,30,624	18.6	5,244	11.1	22,890	7.2	364	0.3	2,28,566	14.5

1.	Central & State Governments		31,587	8.4	39,945	5.7	2,994	6.3	4,435	1.4	1	—	78,962	5.0


	i)	Central Government	15,150	4.1	19,300	2.7	35	0.1	2,639	0.8	1	—	37,126	2.4

	ii)	State Governments	16,437	4.4	20,645	2.9	2,959	6.3	1,796	0.6	—	—	41,836	2.7

2.	Local Authorities		8,413	2.3	17,464	2.5	1,484	3.1	969	0.3	—	—	28,330	1.8

3.	Quasi Government Bodies		10,319	2.8	28,820	4.1	213	0.5	2,480	0.8	7	—	41,838	2.7

	Of which: State Electricity Boards		3,887	1.0	6,451	0.9	8	—	41	—	6	—	10,393	0.7

4.	Public Sector Corporations		19,125	5.1	44,394	6.3	554	1.2	15,007	4.8	357	0.3	79,437	5.0

	and	Companies


	i)	Non - Departmental	12,357	3.3	34,710	4.9	8	—	4,823	1.5	357	0.3	52,255	3.3

		Commercial Undertakings

	ii)	Others	6,767	1.8	9,685	1.4	546	1.2	10,183	3.2	—	—	27,182	1.7

II. Private Corporate Sector			12,244	3.3	22,873	3.2	97	0.2	43,057	13.6	45,376	34.0	1,23,646	7.9

(Non - Financial)

1.	Non- Financial Companies		7,491	2.0	17,170	2.4	6	—	39,364	12.5	37,721	28.3	1,01,752	6.5

2.	Non-Credit Co -operative Institutions		305	0.1	739	0.1	31	0.1	867	0.3	96	0.1	2,039	0.1

3.	Others		4,447	1.2	4,963	0.7	60	0.1	2,827	0.9	7,558	5.7	19,856	1.3


III. Financial Sector			28,758	7.7	33,294	4.7	588	1.2	61,094	19.3	9,435	7.1	1,33,169	8.5

1.	Banks		16,766	4.5	9,986	1.4	454	1.0	24,187	7.7	7,487	5.6	58,880	3.7

	i)	Indian Commercial Banks	9,419	2.5	6,759	1.0	279	0.6	15,015	4.8	6,750	5.1	38,222	2.4

	ii)	Foreign Resident Banks	654	0.2	172	—	—	—	2,452	0.8	732	0.5	4,010	0.3

		(Offices of Foreign Banks in India)

Statement 6 : Pattern of Ownership of Deposits with Scheduled Commercial Banks Classified By Bank Groups - March 2004 (Contd.)

													(Rupees crore)


			State Bank Of India		Nationalised			Regional	Other Sch.		Foreign		All Scheduled
		Sector	And		Banks			Rural	Commercial		Banks		Commercial
			Its Associates					Banks	Banks				Banks

			Amount	Percent	Amount	Percent	Amount	Percent	Amount Percent		Amount	Percent	Amount	Percent


		1	2	3	4	5	6	7	8	9	10	11	12	13


	iii)	Co-operative Banks & Credit socities	6,693	1.8	3,055	0.4	175	0.4	6,721	2.1	5	—	16,648	1.1

		a. Co-operative Banks	6,182	1.7	2,425	0.3	132	0.3	6,580	2.1	5	—	15,325	1.0

		b. Credit Societies	511	0.1	630	0.1	42	0.1	140	—	—	—	1,324	0.1

2.	Other Financial Institutions		7,354	2.0	16,737	2.4	9	—	22,015	7.0	1,252	0.9	47,366	3.0

	i)	Financial Companies	199	0.1	1,358	0.2	2	—	968	0.3	125	0.1	2,651	0.2

		a. Housing Finance Companies	165	—	918	0.1	1	—	885	0.3	115	0.1	2,085	0.1

		b. Auto Finance Companies	34	—	439	0.1	1	—	82	—	10	—	566	—

	ii)	Total of Mutual Funds

	(including Private Sector Mutual Funds)		1,104	0.3	3,172	0.5	1	—	5,268	1.7	967	0.7	10,513	0.7

		a. Mutual Funds in Private Sector	471	0.1	514	0.1	—	—	1,694	0.5	967	0.7	3,646	0.2

		b. Other Mutual Funds	633	0.2	2,658	0.4	1	—	3,574	1.1	—	—	6,867	0.4

	iii)	Unit Trust of India	631	0.2	218	—	—	—	485	0.2	—	—	1,335	0.1

	iv)	Insurance Corporations and


		Companies (Life and General)	972	0.3	9,270	1.3	4	—	7,827	2.5	36	—	18,109	1.2

	v)	Term Lending Institutions	649	0.2	461	0.1	—	—	2,720	0.9	18	—	3,848	0.2

	vi)	Provident Fund Institutions	3,799	1.0	2,258	0.3	3	—	4,746	1.5	105	0.1	10,910	0.7

3.	Other Financial Companies^@		4,638	1.2	6,572	0.9	125	0.3	14,892	4.7	696	0.5	26,924	1.7

	i)	Financial Services Companies	108	—	269	—	—	—	4,887	1.5	188	0.1	5,453	0.3

	ii)	Other Financial Companies	645	0.2	3,856	0.5	3	—	6,358	2.0	439	0.3	11,302	0.7


	iii)	Others	3,885	1.0	2,446	0.3	122	0.3	3,647	1.2	69	0.1	10,169	0.6
@ Includes (a) ‘Financial Service Companies’ which undertake issue management, portfolio management etc., (b) ‘Other Financial Companies’ which are engaged inleasing hire purchase, loan companies, etc.,and (c) ‘Others’ indicating non-profit institutions serving business like FICCI, CII, ASSOCHEM, etc.

Statement 6 : Pattern of Ownership of Deposits with Scheduled Commercial Banks Classified By Bank Groups - March 2004 (Concld.)



															(Rupees crore)


					State Bank Of India		Nationalised			Regional	Other Sch.		Foreign		All Scheduled
				Sector	And		Banks			Rural	Commercial		Banks		Commercial
					Its Associates					Banks	Banks				Banks

					Amount	Percent	Amount	Percent	Amount	Percent	Amount Percent		Amount	Percent	Amount	Percent


				1	2	3	4	5	6	7	8	9	10	11	12	13


IV.	Household Sector				2,17,217	58.1	4,47,274	63.5	41,045	87.0	1,58,415	50.2	55,058	41.2	9,19,008	58.4

	1.	Individuals (including Hindu			1,65,273	44.2	3,47,151	49.3	37,326	79.1	1,18,155	37.4	40,833	30.6	7,08,737	45.0

		Undivided Families)

		i)		Farmers	19,745	5.3	61,751	8.8	17,531	37.2	5,371	1.7	8	—	1,04,406	6.6


		ii)		Businessmen Traders Professional

				and Self - Employed Persons	27,266	7.3	78,288	11.1	8,686	18.4	26,875	8.5	10,574	7.9	1,51,689	9.6

		iii)		Wage and Salary Earners	66,412	17.8	74,254	10.5	6,236	13.2	22,001	7.0	12,625	9.5	1,81,527	11.5

		iv)		Shroffs Money Lenders Stock

				Brokers Dealers in Bullion etc.	550	0.1	4,157	0.6	308	0.7	610	0.2	109	0.1	5,734	0.4

		v)		Other Individuals	51,299	13.7	1,28,700	18.3	4,565	9.7	63,300	20.0	17,516	13.1	2,65,381	16.9

	2.	Trusts Associations Clubs etc.			5,664	1.5	8,892	1.3	292	0.6	12,468	3.9	4,285	3.2	31,601	2.0

	3.	Proprietary and Partnership

		concerns etc.			7,030	1.9	24,961	3.5	213	0.5	11,170	3.5	4,558	3.4	47,932	3.0

	4.	Educational Institutions			8,990	2.4	9,694	1.4	572	1.2	1,744	0.6	99	0.1	21,100	1.3


	5.	Religious Institutions			1,139	0.3	3,377	0.5	158	0.3	1,390	0.4	242	0.2	6,307	0.4

	6.	Others(not elsewhere classified)			29,121	7.8	53,198	7.6	2,483	5.3	13,488	4.3	5,041	3.8	1,03,332	6.6

V.	Foreign Sector				46,221	12.4	69,769	9.9	200	0.4	30,405	9.6	23,272	17.4	1,69,867	10.8

	1.		Foreign Consulates Embassies Trade

			Missions Information Services etc.		793	0.2	807	0.1	—	—	112	—	658	0.5	2,370	0.2

	2.		Non-Residents		39,975	10.7	61,416	8.7	185	0.4	28,084	8.9	21,066	15.8	1,50,726	9.6

	3.		Others		5,453	1.5	7,547	1.1	15	—	2,209	0.7	1,548	1.2	16,771	1.1


Total					3,73,884	100.0	7,03,833	100.0	47,173	100.0	3,15,861 100.0		1,33,506	100.0	15,74,257	100.0
Note :" -"= Nil or Negligible.

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