Table No. 5.7 - State and Population Group - Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation March 1999

NORTHERN REGION

STATE : PUNJAB

(Amount in Rupees Lakh)

RURAL

SEMI-URBAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

  Outstanding

1

2

3

4

5

6

I.

AGRICULTURE

3,40,710

1406,45

1210,75

1,70,794

1045,73

887,96

1.

Direct Finance

3,36,186

1334,59

1154,56

1,66,435

865,91

758,15

2.

Indirect Finance

4,524

71,86

56,19

4,359

179,82

129,81

II.

INDUSTRY

39,577

783,10

604,94

35,176

1441,64

1136,70

1.

Mining & Quarrying

50

3,56

2,45

88

8,40

6,26

2.

Food Manufacturing & Processing

701

112,99

86,35

2,196

445,23

329,60

(a) Rice Mills, Flour & Dal Mills

482

70,52

54,69

1,369

310,70

227,59

(b) Sugar

3

5,25

5,12

18

36,38

24,58

(c) Edible Oils & Vanaspati

39

2,60

1,73

472

41,28

30,93

(d) Tea Processing

3

16,20

13,80

5

23

22

(e) Processing of Fruits & Vegetables

2

13

12

11

11,60

11,89

(f) Others

172

18,29

10,89

321

45,04

34,39

3.

Beverage & Tobacco

16

9,11

7,25

30

6,89

4,77

4.

Textiles

954

168,77

150,33

706

141,38

119,38

(a) Cotton Textiles

162

55,10

61,61

212

107,52

92,41

(b) Jute Textiles

-

-

-

2

13

8

(c) Handloom Textiles & Khadi

164

1,28

1,07

200

4,36

4,11

(d) Other Textiles

628

112,39

87,65

292

29,37

22,78

5.

Paper, Paper Products & Printing

114

7,04

5,35

231

22,81

20,66

6.

Leather & Leather Products

53

34

29

91

1,39

1,24

7.

Rubber & Rubber Products

34

2,37

1,75

123

9,76

7,38

8.

Chemicals & Chemical Products

249

177,25

124,05

480

78,26

62,63

(a) Heavy Industrial Chemicals

3

1,83

81

18

20,46

18,42

(b) Fertilisers

6

13,59

13,55

29

13,93

11,83

(c) Drugs & Pharmaceuticals

52

116,96

81,68

55

5,57

3,57

(d) Non-Edible Oils

2

14

10

16

5,51

3,80

(e) Other Chemicals & Chemical Products

186

44,74

27,93

362

32,78

25,01

9.

Petroleum, Coal Products & Nuclear Fuels

4

15

14

30

4,89

1,68

10.

Manufacture of Cement & Cement Products

27

1,04

86

54

2,52

1,97

11.

Basic Metals & Metal Products

301

40,25

31,19

2,056

286,25

238,87

(a) Iron & Steel

59

23,08

15,61

953

208,15

174,03

(b) Non-Ferrous Metals

4

94

68

5

38

36

(c) Other Metal Products

238

16,23

14,90

1,098

77,72

64,48

12.

Engineering

557

73,49

70,26

1,193

119,20

102,30

(a) Heavy Engineering

23

3,73

1,60

104

14,91

10,46

(b) Light Engineering

384

35,81

34,60

734

41,20

35,17

(c) Electrical Machinery & Goods

123

9,41

9,08

297

49,80

44,70

(d) Electronic Machinery & Goods

27

24,55

24,98

58

13,29

11,97

13.

Vehicles, Vehicle Parts & Transport Equipments

252

80,16

35,35

295

92,11

65,45

14.

Other Industries

35,674

103,92

86,93

27,439

195,27

159,04

15.

Electricity, Gas & Water

2

11

8

25

12,94

2,56

(a) Electricity Generation & Transmission

1

6

3

14

10,99

97

(b) Non-Conventional Energy

-

-

-

1

10

9

(c) Gas, Steam & Water Supply

1

5

5

10

1,85

1,49

16.

Construction

589

2,54

2,31

139

14,34

12,91

III.

TRANSPORT OPERATORS

11,900

48,75

35,79

5,940

48,86

36,84

IV.

PROFESSIONAL AND OTHER SERVICES

6,085

28,03

22,64

7,057

73,59

55,89

V.

PERSONAL LOANS

85,182

332,69

294,37

1,05,225

479,76

410,53

1.

Loans for Purchase of Consumer Durables

8,119

22,48

19,30

11,484

34,41

29,01

2.

Loans for Housing

9,524

89,53

80,16

15,921

152,26

128,96

3.

Rest of the Personal Loans

67,539

220,69

194,91

77,820

293,08

252,56

VI.

TRADE

65,475

1471,65

1439,55

63,567

523,27

430,79

1.

Wholesale Trade

3,782

1315,73

1312,19

5,691

149,36

127,20

2.

Retail Trade

61,693

155,91

127,36

57,876

373,91

303,59

VII.

FINANCE

107

7,42

5,56

132

8,71

7,21

VIII.

ALL OTHERS

25,710

125,91

115,11

36,256

263,35

214,97

TOTAL BANK CREDIT

5,74,746

4204,00

3728,71

4,24,147

3884,90

3180,88

OF WHICH:

1. Artisans & Village Industries

18,858

29,53

24,26

7,585

32,96

25,86

2. Other Small Scale Industries

17,178

277,78

221,07

20,568

559,11

414,49

NORTHERN REGION

STATE : PUNJAB

(Amount in Rupees Lakh)

URBAN

METROPOLITAN

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Outstanding

Accounts

Limit

  Outstanding

7

8

9

10

11

12

I.

AGRICULTURE

31,045

428,73

382,49

2,783

47,08

41,37

1.

Direct Finance

29,868

199,89

173,46

2,652

34,90

30,66

2.

Indirect Finance

1,177

228,84

209,03

131

12,18

10,71

II.

INDUSTRY

39,208

2008,81

1573,24

35,325

3243,92

2566,70

1.

Mining & Quarrying

8

41

27

5

1,89

1,84

2.

Food Manufacturing & Processing

775

405,46

263,47

305

90,45

91,08

(a) Rice Mills, Flour & Dal Mills

473

285,35

200,65

56

36,87

44,00

(b) Sugar

9

2,26

2,00

9

24,69

20,20

(c) Edible Oils & Vanaspati

59

53,32

41,19

11

3,34

2,82

(d) Tea Processing

7

45

43

-

-

-

(e) Processing of Fruits & Vegetables

9

61

52

3

26

20

(f) Others

218

63,48

18,68

226

25,29

23,87

3.

Beverage & Tobacco

13

7,99

7,49

5

11,32

11,03

4.

Textiles

3,400

455,52

398,62

6,795

1795,54

1386,06

(a) Cotton Textiles

857

193,29

188,04

1,010

918,09

668,17

(b) Jute Textiles

13

1,11

85

8

1,25

64

(c) Handloom Textiles & Khadi

94

7,29

6,24

373

88,52

73,89

(d) Other Textiles

2,436

253,84

203,48

5,404

787,68

643,35

5.

Paper, Paper Products & Printing

620

84,40

62,03

286

59,42

56,27

6.

Leather & Leather Products

316

40,88

32,44

21

67

57

7.

Rubber & Rubber Products

794

76,23

65,95

152

89,89

73,57

8.

Chemicals & Chemical Products

1,002

86,22

72,58

535

95,43

79,12

(a) Heavy Industrial Chemicals

43

2,91

2,09

26

15,41

15,09

(b) Fertilisers

33

21,26

20,79

6

28

28

(c) Drugs & Pharmaceuticals

225

27,66

22,94

56

4,32

3,49

(d) Non-Edible Oils

2

83

38

5

2,51

3,51

(e) Other Chemicals & Chemical Products

699

33,57

26,39

442

72,93

56,75

9.

Petroleum, Coal Products & Nuclear Fuels

60

4,44

3,08

33

61,54

24,77

10.

Manufacture of Cement & Cement Products

74

2,01

1,50

27

1,67

1,57

11.

Basic Metals & Metal Products

2,966

316,80

259,67

1,227

256,75

216,11

(a) Iron & Steel

630

91,22

73,87

638

210,87

173,74

(b) Non-Ferrous Metals

121

15,37

15,18

5

79

1,05

(c) Other Metal Products

2,215

210,22

170,63

584

45,09

41,32

12.

Engineering

2,026

125,86

102,02

1,496

68,87

58,22

(a) Heavy Engineering

126

22,80

17,91

144

15,53

14,15

(b) Light Engineering

1,437

55,74

49,64

1,155

40,41

32,32

(c) Electrical Machinery & Goods

425

42,45

31,09

164

5,93

5,89

(d) Electronic Machinery & Goods

38

4,86

3,39

33

7,00

5,86

13.

Vehicles, Vehicle Parts & Transport Equipments

331

27,87

23,30

3,181

515,66

403,33

14.

Other Industries

26,644

278,89

204,49

21,200

180,64

152,63

15.

Electricity, Gas & Water

14

88,98

70,41

25

9,07

5,99

(a) Electricity Generation & Transmission

10

88,30

69,76

22

8,75

5,69

(b) Non-Conventional Energy

1

29

29

-

-

-

(c) Gas, Steam & Water Supply

3

39

36

3

32

29

16.

Construction

165

6,85

5,91

32

5,12

4,54

III.

TRANSPORT OPERATORS

3,594

52,58

40,12

565

6,58

5,15

IV.

PROFESSIONAL AND OTHER SERVICES

7,498

88,98

69,29

1,497

52,04

45,45

V.

PERSONAL LOANS

1,10,706

562,89

488,43

32,088

196,73

173,46

1.

Loans for Purchase of Consumer Durables

11,023

41,35

34,20

2,530

11,85

10,45

2.

Loans for Housing

20,443

201,73

178,95

4,466

65,47

58,50

3.

Rest of the Personal Loans

79,240

319,81

275,27

25,092

119,41

104,52

VI.

TRADE

41,347

624,19

496,27

7,146

242,51

186,89

1.

Wholesale Trade

6,635

298,99

243,81

2,053

146,51

113,03

2.

Retail Trade

34,712

325,19

252,46

5,093

96,00

73,86

VII.

FINANCE

311

35,41

26,90

160

8,07

5,85

VIII.

ALL OTHERS

45,737

288,99

250,50

26,258

176,76

155,97

TOTAL BANK CREDIT

2,79,446

4090,57

3327,25

1,05,822

3973,68

3180,84

OF WHICH:

1. Artisans & Village Industries

3,758

40,27

32,56

616

4,90

4,34

2. Other Small Scale Industries

25,588

772,71

627,46

21,453

1231,70

990,19