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Himachal Pradesh

Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of
Scheduled Commercial Banks According to Occupation - March 1996

NORTHERN REGION




(Amount in Rupees Lakh)


     

STATE BANK OF INDIA

 

NATIONALISED BANKS

 

FOREIGN BANKS

     

AND ITS ASSOCIATES


   
   
   

OCCUPATION

No. of

Credit

Amount

 

No. of

Credit

Amount

 

No. of

Credit

Amount

     

Accounts


Limit


 Outstanding


 

Accounts


Limit


 Outstanding


 

Accounts


Limit


 Outstanding


 
 
 

1


2


3


 

4


5


6


 

7


8


9


I.

AGRICULTURE

20,454

41,19

35,02

 

56,654

68,01

53,32

 

-

-

-

 

1.

Direct Finance

20,103

34,08

26,60

 

55,947

66,05

52,32

 

-

-

-

 

2.

Indirect Finance

351

7,11

8,42

 

707

1,96

1,01

 

-

-

-

II.

INDUSTRY

3,272

101,53

73,48

 

14,376

264,78

231,14

 

9

46,49

40,10

 

1.

Mining & Quarrying

60

95

89

 

48

1,23

1,02

 

-

-

-

 

2.

Food Manufacturing and Processing

144

8,57

6,83

 

532

13,74

12,10

 

-

-

-

   

(a)

Rice Mills, Flour and Dal Mills

68

2,45

1,38

 

176

6,56

5,73

 

-

-

-

   

(b)

Sugar

1

-

-

 

-

-

-

 

-

-

-

   

(c)

Edible Oils and Vanaspati

7

7

7

 

40

5,04

4,38

 

-

-

-

   

(d)

Tea Processing

2

13

7

 

2

37

36

 

-

-

-

   

(e)

Processing of Fruits & Vegetables

7

5,11

4,54

 

9

15

37

 

-

-

-

   

(f)

Others

59

82

77

 

305

1,62

1,26

 

-

-

-

 

3.

Beverage and Tobacco

8

87

48

 

23

3,82

3,47

 

-

-

-

 

4.

Textiles

153

5,10

4,51

 

307

55,85

46,95

 

-

-

-

   

(a)

Cotton Textiles

30

2,65

2,02

 

39

23,86

22,66

 

-

-

-

   

(b)

Jute Textiles

-

-

-

 

6

29

26

 

-

-

-

   

(c)

Handloom Textiles & Khadi

67

78

53

 

104

6,72

3,94

 

-

-

-

   

(d)

Other Textiles

56

1,66

1,96

 

158

24,98

20,08

 

-

-

-

 

5.

Paper, Paper Products and Printing

63

2,01

2,00

 

206

9,34

10,99

 

-

-

-

 

6.

Leather and Leather Products

20

19

16

 

32

45

43

 

-

-

-

 

7.

Rubber and Rubber Products

20

99

1,04

 

72

4,13

2,88

 

1

51

51

 

8.

Chemicals and Chemical Products

82

2,62

3,20

 

320

30,75

28,48

 

-

-

-

   

(a)

Heavy Industrial Chemicals

2

2

1

 

27

1,85

1,76

 

-

-

-

   

(b)

Fertilizers

1

3

3

 

25

3,29

3,24

 

-

-

-

   

(c)

Drugs and Pharmaceuticals

26

1,13

1,36

 

58

2,59

2,32

 

-

-

-

   

(d)

Non-Edible Oils

7

17

32

 

7

21

16

 

-

-

-

   

(e)

Other Chemicals & Chemical Products

46

1,27

1,49

 

203

22,80

21,00

 

-

-

-

 

9.

Petroleum, Coal Products & Nuclear Fuels

3

26

6

 

8

39

31

 

-

-

-

 

10.

Manufacture of Cement & Cement Products

42

1,07

85

 

70

2,56

2,42

 

-

-

-

 

11.

Basic Metals & Metal Products

247

7,12

6,18

 

549

56,08

47,33

 

-

-

-

   

(a)

Iron and Steel

93

3,80

3,72

 

217

32,32

28,53

 

-

-

-

   

(b)

Non-Ferrous Metals

5

52

25

 

17

3,73

3,90

 

-

-

-

   

(c)

Other Metal Products

149

2,80

2,21

 

315

20,03

14,90

 

-

-

-

 

12.

Engineering

210

34,11

16,68

 

330

43,30

40,59

 

2

91

91

   

(a)

Heavy Engineering

14

2,30

1,62

 

19

61

72

 

-

-

-

   

(b)

Light Engineering

43

90

1,02

 

130

26,40

24,49

 

2

91

91

   

(c)

Electrical Machinery & Goods

25

5,72

3,45

 

90

9,93

10,06

 

-

-

-

   

(d)

Electronic Machinery & Goods

128

25,19

10,58

 

91

6,36

5,31

 

-

-

-

  13.

Vehicles, Vehicle Parts & Transport Equipments

46

11,08

10,03

 

91

6,04

4,43

 

-

-

-

 

14.

Other Industries

2,142

24,33

19,95

 

11,693

30,13

24,62

 

-

-

-

 

15.

Electricity, Gas & Water

18

2,12

49

 

14

1,72

75

 

4

45,00

38,61

   

(a)

Electricity Generation & Transmission

16

2,08

46

 

12

1,56

63

 

4

45,00

38,61

   

(b)

Non-Conventional Energy

-

-

-

 

1

15

10

 

-

-

-

   

(c)

Gas, Steam & Water Supply

2

5

4

 

1

1

3

 

-

-

-

 

16.

Construction

14

13

12

 

81

5,24

4,37

 

2

6

5

III.

TRANSPORT OPERATORS

3,531

57,24

37,83

 

3,800

62,86

46,58

 

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

352

7,04

5,18

 

7,305

24,81

17,80

 

1

-

-

V.

PERSONAL LOANS

13,065

58,81

50,84

 

33,868

97,29

83,45

 

91

31

27

 

1.

Loans for Purchase of Consumer Durables

339

81

64

 

1,389

1,91

1,55

 

5

-

-

 

2.

Loans for Housing

1,572

17,84

15,19

 

4,400

32,79

27,69

 

1

-

-

 

3.

Rest of the Personal Loans

11,154

40,16

35,00

 

28,079

62,60

54,21

 

85

30

27

VI.

TRADE

7,925

85,14

68,92

 

26,456

93,97

79,43

 

5

6

6

 

1.

Wholesale Trade

257

6,89

6,29

 

610

26,10

23,98

 

5

6

6

 

2.

Retail Trade

7,668

78,25

62,63

 

25,846

67,87

55,44

 

-

-

-

VII.

FINANCE

23

84

68

 

42

6,59

3,95

 

-

-

-

VIII.


ALL OTHERS


1,721


3,07


2,66


 

20,948


51,63


40,64


 

-


-


-


TOTAL BANK CREDIT

50,343

354,85

274,61

 

1,63,449

669,93

556,30

 

106

46,86

40,43

OF WHICH :

1. Artisans & Village Industries

575

3,78

2,75

 

7,608

9,71

7,08

 

-

-

-

 

2. Other Small Scale Industries


1,660


61,45


41,87


 

5,235


116,22


106,11


 

-


-


-











     

REGIONAL RURAL BANKS

 

OTHER SCHEDULED

 

ALL SCHEDULED

       
 

COMMERCIAL BANKS


 

COMMERCIAL BANKS


   

OCCUPATION

No. of

Credit

Amount

 

No. of

Credit

Amount

 

No. of

Credit

Amount

     

Accounts


Limit


 Outstanding


 

Accounts


Limit


 Outstanding


 

Accounts


Limit


 Outstanding


 
 
 

10


11


12


 

13


14


15


 

16


17


18


I.

AGRICULTURE

20,336

12,08

9,99

 

12

26

16

 

97,456

121,55

98,50

 

1.

Direct Finance

19,969

11,80

9,74

 

12

26

16

 

96,031

112,20

88,82

 

2.

Indirect Finance

367

28

25

 

-

-

-

 

1,425

9,35

9,68

II.

INDUSTRY

5,428

3,82

3,23

 

7

10

7

 

23,092

416,71

348,01

 

1.

Mining & Quarrying

5

10

9

 

-

-

-

 

113

2,28

2,00

 

2.

Food Manufacturing and Processing

38

23

21

 

-

-

-

 

714

22,54

19,13

   

(a)

Rice Mills, Flour and Dal Mills

9

13

13

 

-

-

-

 

253

9,13

7,24

   

(b)

Sugar

-

-

-

 

-

-

-

 

1

-

-

   

(c)

Edible Oils and Vanaspati

7

6

6

 

-

-

-

 

54

5,17

4,51

   

(d)

Tea Processing

-

-

-

 

-

-

-

 

4

50

43

   

(e)

Processing of Fruits & Vegetables

-

-

-

 

-

-

-

 

16

5,26

4,91

   

(f)

Others

22

3

1

 

-

-

-

 

386

2,47

2,04

 

3.

Beverage and Tobacco

-

-

-

 

-

-

-

 

31

4,70

3,94

 

4.

Textiles

14

12

13

 

-

-

-

 

474

61,06

51,59

   

(a)

Cotton Textiles

6

7

8

 

-

-

-

 

75

26,58

24,76

   

(b)

Jute Textiles

-

-

-

 

-

-

-

 

6

29

26

   

(c)

Handloom Textiles & Khadi

4

3

3

 

-

-

-

 

175

7,53

4,51

   

(d)

Other Textiles

4

2

1

 

-

-

-

 

218

26,66

22,05

 

5.

Paper, Paper Products and Printing

-

-

-

 

-

-

-

 

269

11,35

12,99

 

6.

Leather and Leather Products

1

-

-

 

-

-

-

 

53

64

59

 

7.

Rubber and Rubber Products

-

-

-

 

-

-

-

 

93

5,64

4,44

 

8.

Chemicals and Chemical Products

2

1

1

 

-

-

-

 

404

33,38

31,69

   

(a)

Heavy Industrial Chemicals

-

-

-

 

-

-

-

 

29

1,87

1,76

   

(b)

Fertilizers

-

-

-

 

-

-

-

 

26

3,33

3,27

   

(c)

Drugs and Pharmaceuticals

-

-

-

 

-

-

-

 

84

3,72

3,68

   

(d)

Non-Edible Oils

-

-

-

 

-

-

-

 

14

39

48

   

(e)

Other Chemicals & Chemical Products

2

1

1

 

-

-

-

 

251

24,07

22,50

 

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

 

-

-

-

 

11

65

38

 

10.

Manufacture of Cement & Cement Products

-

-

-

 

-

-

-

 

112

3,64

3,27

 

11.

Basic Metals & Metal Products

7

3

3

 

-

-

-

 

803

63,24

53,54

   

(a)

Iron and Steel

-

-

-

 

-

-

-

 

310

36,12

32,25

   

(b)

Non-Ferrous Metals

-

-

-

 

-

-

-

 

22

4,26

4,15

   

(c)

Other Metal Products

7

3

3

 

-

-

-

 

471

22,86

17,14

 

12.

Engineering

1

-

-

 

-

-

-

 

543

78,32

58,18

   

(a)

Heavy Engineering

-

-

-

 

-

-

-

 

33

2,91

2,34

   

(b)

Light Engineering

-

-

-

 

-

-

-

 

175

28,21

26,42

   

(c)

Electrical Machinery & Goods

-

-

-

 

-

-

-

 

115

15,65

13,52

   

(d)

Electronic Machinery & Goods

1

-

-

 

-

-

-

 

220

31,55

15,90

  13.

Vehicles, Vehicle Parts & Transport Equipments

1

1

1

 

-

-

-

 

138

17,12

14,47

 

14.

Other Industries

5,342

3,22

2,66

 

7

10

7

 

19,184

57,79

47,31

 

15.

Electricity, Gas & Water

3

2

2

 

-

-

-

 

39

48,87

39,88

   

(a)

Electricity Generation & Transmission

1

1

1

 

-

-

-

 

33

48,65

39,71

   

(b)

Non-Conventional Energy

-

-

-

 

-

-

-

 

1

15

10

   

(c)

Gas, Steam & Water Supply

2

1

1

 

-

-

-

 

5

7

8

 

16.

Construction

14

8

7

 

-

-

-

 

111

5,50

4,62

III.

TRANSPORT OPERATORS

1,101

11,25

8,96

 

17

46

31

 

8,449

131,81

93,68

IV.

PROFESSIONAL AND OTHER SERVICES

1,303

1,32

1,17

 

5

2

1

 

8,966

33,19

24,16

V.

PERSONAL LOANS

8,118

10,34

9,51

 

94

34

29

 

55,236

167,09

144,36

 

1.

Loans for Purchase of Consumer Durables

616

77

65

 

8

1

1

 

2,357

3,51

2,85

 

2.

Loans for Housing

333

1,45

1,34

 

1

2

1

 

6,307

52,09

44,23

 

3.

Rest of the Personal Loans

7,169

8,12

7,52

 

85

32

28

 

46,572

111,49

97,28

VI.

TRADE

7,513

8,92

7,72

 

69

98

78

 

41,968

189,07

156,90

 

1.

Wholesale Trade

155

19

18

 

-

-

-

 

1,027

33,24

30,50

 

2.

Retail Trade

7,358

8,74

7,55

 

69

98

78

 

40,941

155,83

126,40

VII.

FINANCE

-

-

-

 

1

50

-

 

66

7,93

4,63

VIII.


ALL OTHERS


6,013


4,81


4,55


 

-


-


-


 

28,682


59,51


47,85


TOTAL BANK CREDIT

49,812

52,55

45,13

 

205

2,66

1,63

 

2,63,915

1126,85

918,10

OF WHICH :

1. Artisans & Village Industries

4,887

2,79

2,36

 

3

6

6

 

13,073

16,34

12,25

 

2. Other Small Scale Industries


487


83


71


 

-


-


-


 

7,382


178,50


148,69


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