NORTHERN REGION

Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1999

(Amount in Rupees Lakh)

STATE BANK OF INDIA

NATIONALISED BANKS

AND ITS ASSOCIATES

No. of

Credit

Amount

No. of

Credit

Amount

OCCUPATION

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

1

2

3

4

5

6

I.

AGRICULTURE

78,472

526,04

440,37

1,63,631

914,77

786,21

1.

Direct Finance

77,183

491,28

413,97

1,62,005

834,21

726,38

2.

Indirect Finance

1,289

34,76

26,40

1,626

80,56

59,83

II.

INDUSTRY

40,934

1228,91

993,51

46,503

2993,95

2478,80

1.

Mining & Quarrying

12

55

29

167

53,61

44,26

2.

Food Manufacturing & Processing

638

262,17

212,40

1,523

653,13

546,35

(a)

Rice Mills, Flour & Dal Mills

487

200,68

158,09

1,094

526,99

454,76

(b)

Sugar

6

30,47

29,25

4

14,26

1,72

(c)

Edible Oils & Vanaspati

43

11,03

10,15

143

46,86

41,27

(d)

Tea Processing

1

3

3

2

12

11

(e)

Processing of Fruits & Vegetables

13

74

70

16

1,56

68

(f)

Others

88

19,22

14,18

264

63,34

47,80

3.

Beverage & Tobacco

3

1,56

1,62

31

7,46

7,04

4.

Textiles

1,778

233,18

182,04

3,443

541,25

445,98

(a)

Cotton Textiles

358

87,52

71,02

1,047

206,71

169,30

(b)

Jute Textiles

12

4,31

5,20

10

1,25

1,01

(c)

Handloom Textiles & Khadi

782

71,54

46,81

1,091

123,01

97,68

(d)

Other Textiles

626

69,81

59,01

1,295

210,28

178,00

5.

Paper, Paper Products & Printing

122

4,54

3,13

406

87,61

85,06

6.

Leather & Leather Products

37

11,16

5,63

130

62,36

56,90

7.

Rubber & Rubber Products

129

9,52

4,26

370

74,01

66,46

8.

Chemicals & Chemical Products

360

55,87

55,70

1,045

261,74

213,07

(a)

Heavy Industrial Chemicals

16

1,56

1,13

48

23,99

22,77

(b)

Fertilisers

13

5,37

4,17

9

2,49

1,07

(c)

Drugs & Pharmaceuticals

76

13,02

14,19

203

54,50

56,76

(d)

Non-Edible Oils

47

3,01

2,31

19

4,66

1,83

(e)

Other Chemicals & Chemical Products

208

32,91

33,91

766

176,11

130,63

9.

Petroleum, Coal Products & Nuclear Fuels

29

2,48

53

23

5,43

2,32

10.

Manufacture of Cement & Cement Products

50

3,66

2,76

76

20,62

18,02

11.

Basic Metals & Metal Products

721

273,16

220,29

1,807

357,58

323,34

(a)

Iron & Steel

203

211,28

175,29

581

253,72

239,09

(b)

Non-Ferrous Metals

17

8,86

8,48

138

17,30

15,39

(c)

Other Metal Products

501

53,03

36,52

1,088

86,55

68,86

12.

Engineering

750

107,20

79,85

1,920

304,94

222,42

(a)

Heavy Engineering

56

6,85

3,11

199

53,66

44,04

(b)

Light Engineering

512

59,62

44,94

1,185

131,28

62,41

(c)

Electrical Machinery & Goods

141

30,68

21,73

449

29,60

24,93

(d)

Electronic Machinery & Goods

41

10,04

10,06

87

90,39

91,03

13.

Vehicles, Vehicle Parts & Transport Equipments

531

49,47

35,22

800

144,16

97,15

14.

Other Industries

35,517

140,59

116,93

33,445

372,27

306,15

15.

Electricity, Gas & Water

13

69,15

67,80

24

29,37

27,29

(a)

Electricity Generation & Transmission

13

69,15

67,80

19

28,69

26,68

(b)

Non-Conventional Energy

-

-

-

1

23

23

(c)

Gas, Steam & Water Supply

-

-

-

4

45

38

16.

Construction

244

4,65

5,06

1,293

18,42

16,99

III.

TRANSPORT OPERATORS

1,758

20,54

15,04

5,660

55,56

44,16

IV.

PROFESSIONAL AND OTHER SERVICES

4,463

40,50

30,91

15,000

92,77

74,20

V.

PERSONAL LOANS

63,926

257,24

206,34

1,20,469

584,96

515,91

1.

Loans for Purchase of Consumer Durables

3,021

10,41

8,52

6,628

22,68

19,43

2.

Loans for Housing

8,991

85,65

70,50

17,433

216,52

194,89

3.

Rest of the Personal Loans

51,914

161,18

127,32

96,408

345,77

301,59

VI.

TRADE

30,766

212,85

170,30

68,290

487,13

391,69

1.

Wholesale Trade

2,047

55,65

39,25

3,758

135,55

106,92

2.

Retail Trade

28,719

157,20

131,05

64,532

351,58

284,77

VII.

FINANCE

32

6,57

6,39

676

13,75

10,55

VIII.

ALL OTHERS

8,541

94,03

77,76

40,266

273,32

238,01

TOTAL BANK CREDIT

2,28,892

2386,69

1940,62

4,60,495

5416,21

4539,52

OF WHICH:

1.

Artisans & Village Industries

2,911

23,01

18,38

9,102

43,07

37,15

2.

Other Small Scale Industries

16,672

551,65

421,46

30,745

1031,73

826,48

FOREIGN BANKS

REGIONAL RURAL BANKS

No. of

Credit

Amount

No. of

Credit

Amount

OCCUPATION

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

7

8

9

10

11

12

I.

AGRICULTURE

-

-

-

1,09,471

267,92

226,37

1.

Direct Finance

-

-

-

1,07,017

263,25

222,33

2.

Indirect Finance

-

-

-

2,454

4,67

4,04

II.

INDUSTRY

1,089

1038,10

629,87

14,873

16,57

12,77

1.

Mining & Quarrying

-

-

-

1

4

3

2.

Food Manufacturing & Processing

8

13,14

6,05

102

52

50

(a)

Rice Mills, Flour & Dal Mills

-

-

-

9

4

3

(b)

Sugar

3

5,90

34

-

-

-

(c)

Edible Oils & Vanaspati

-

-

-

3

10

8

(d)

Tea Processing

-

-

-

-

-

-

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

(f)

Others

5

7,24

5,71

90

38

38

3.

Beverage & Tobacco

23

80,82

73,24

-

-

-

4.

Textiles

7

7,41

4,82

5

8

3

(a)

Cotton Textiles

1

37

35

1

5

2

(b)

Jute Textiles

-

-

-

-

-

-

(c)

Handloom Textiles & Khadi

-

-

-

-

-

-

(d)

Other Textiles

6

7,04

4,47

4

3

2

5.

Paper, Paper Products & Printing

16

24,41

14,43

6

18

14

6.

Leather & Leather Products

-

-

-

1

1

-

7.

Rubber & Rubber Products

16

83,70

22,38

1

1

1

8.

Chemicals & Chemical Products

22

123,17

55,25

2

1

1

(a)

Heavy Industrial Chemicals

-

-

-

-

-

-

(b)

Fertilisers

-

-

-

-

-

-

(c)

Drugs & Pharmaceuticals

6

63,27

6,10

-

-

-

(d)

Non-Edible Oils

-

-

-

-

-

-

(e)

Other Chemicals & Chemical Products

16

59,90

49,15

2

1

1

9.

Petroleum, Coal Products & Nuclear Fuels

1

5,00

2,10

-

-

-

10.

Manufacture of Cement & Cement Products

-

-

-

1

5

5

11.

Basic Metals & Metal Products

34

48,59

27,52

12

12

9

(a)

Iron & Steel

9

23,63

10,04

-

-

-

(b)

Non-Ferrous Metals

3

9,70

3,49

-

-

-

(c)

Other Metal Products

22

15,26

13,99

12

12

9

12.

Engineering

108

300,12

197,45

16

18

16

(a)

Heavy Engineering

34

68,50

43,75

-

-

-

(b)

Light Engineering

51

204,26

133,24

12

12

10

(c)

Electrical Machinery & Goods

11

10,03

5,85

3

4

3

(d)

Electronic Machinery & Goods

12

17,32

14,62

1

2

3

13.

Vehicles, Vehicle Parts & Transport Equipments

73

183,47

92,55

48

35

26

14.

Other Industries

776

123,40

95,09

14,675

14,92

11,43

15.

Electricity, Gas & Water

1

2,00

2,87

2

7

4

(a)

Electricity Generation & Transmission

1

2,00

2,87

1

3

-

(b)

Non-Conventional Energy

-

-

-

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

1

5

4

16.

Construction

4

42,88

36,12

1

3

3

III.

TRANSPORT OPERATORS

1

35

18

12,224

26,21

17,44

IV.

PROFESSIONAL AND OTHER SERVICES

20

45,11

28,83

1,253

2,21

1,60

V.

PERSONAL LOANS

134

3,76

3,53

37,916

86,68

74,54

1.

Loans for Purchase of Consumer Durables

69

2,73

2,60

5,914

15,41

12,84

2.

Loans for Housing

10

78

70

3,208

10,17

9,33

3.

Rest of the Personal Loans

55

25

23

28,794

61,10

52,37

VI.

TRADE

6

9,02

7,99

44,652

51,90

43,02

1.

Wholesale Trade

2

8,92

7,88

4,523

4,55

2,98

2.

Retail Trade

4

10

11

40,129

47,35

40,04

VII.

FINANCE

1

50,00

50,00

7

6

5

VIII.

ALL OTHERS

11

2,40

1,39

7,743

8,14

5,87

TOTAL BANK CREDIT

1,262

1148,75

721,79

2,28,139

459,70

381,66

OF WHICH:

1.

Artisans & Village Industries

-

-

-

13,224

12,74

9,71

2.

Other Small Scale Industries

41

15,00

9,84

1,213

1,99

1,58

OTHER SCHEDULED

ALL SCHEDULED

COMMERCIAL BANKS

COMMERCIAL BANKS

No. of

Credit

Amount

No. of

Credit

Amount

OCCUPATION

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

13

14

15

16

17

18

I.

AGRICULTURE

394

15,32

14,91

3,51,968

1724,05

1467,86

1.

Direct Finance

385

7,07

6,46

3,46,590

1595,81

1369,15

2.

Indirect Finance

9

8,25

8,45

5,378

128,24

98,71

II.

INDUSTRY

716

200,32

169,85

1,04,115

5477,86

4284,81

1.

Mining & Quarrying

2

18

18

182

54,39

44,75

2.

Food Manufacturing & Processing

11

2,91

2,45

2,282

931,87

767,75

(a)

Rice Mills, Flour & Dal Mills

7

61

59

1,597

728,32

613,47

(b)

Sugar

1

1,00

1,05

14

51,62

32,36

(c)

Edible Oils & Vanaspati

2

1,17

70

191

59,17

52,20

(d)

Tea Processing

-

-

-

3

15

14

(e)

Processing of Fruits & Vegetables

-

-

-

29

2,30

1,38

(f)

Others

1

13

12

448

90,31

68,19

3.

Beverage & Tobacco

1

2

2

58

89,87

81,92

4.

Textiles

66

14,78

11,08

5,299

796,70

643,95

(a)

Cotton Textiles

11

3,93

3,71

1,418

298,58

244,40

(b)

Jute Textiles

-

-

-

22

5,57

6,21

(c)

Handloom Textiles & Khadi

28

82

68

1,901

195,36

145,17

(d)

Other Textiles

27

10,03

6,68

1,958

297,19

248,17

5.

Paper, Paper Products & Printing

44

14,26

12,53

594

131,01

115,29

6.

Leather & Leather Products

5

1,04

74

173

74,56

63,28

7.

Rubber & Rubber Products

9

3,47

2,63

525

170,71

95,73

8.

Chemicals & Chemical Products

51

25,55

23,08

1,480

466,33

347,11

(a)

Heavy Industrial Chemicals

-

-

-

64

25,55

23,90

(b)

Fertilisers

-

-

-

22

7,86

5,24

(c)

Drugs & Pharmaceuticals

23

14,62

14,77

308

145,41

91,82

(d)

Non-Edible Oils

-

-

-

66

7,66

4,15

(e)

Other Chemicals & Chemical Products

28

10,93

8,32

1,020

279,86

222,01

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

53

12,91

4,95

10.

Manufacture of Cement & Cement Products

26

4,04

3,12

153

28,37

23,95

11.

Basic Metals & Metal Products

96

39,30

36,97

2,670

718,75

608,20

(a)

Iron & Steel

44

38,04

35,84

837

526,67

460,26

(b)

Non-Ferrous Metals

-

-

-

158

35,86

27,36

(c)

Other Metal Products

52

1,26

1,13

1,675

156,22

120,58

12.

Engineering

128

45,03

38,22

2,922

757,47

538,10

(a)

Heavy Engineering

2

1,87

1,81

291

130,89

92,72

(b)

Light Engineering

74

14,86

9,59

1,834

410,14

250,27

(c)

Electrical Machinery & Goods

52

28,30

26,83

656

98,66

79,37

(d)

Electronic Machinery & Goods

-

-

-

141

117,77

115,74

13.

Vehicles, Vehicle Parts & Transport Equipments

130

29,30

19,86

1,582

406,76

245,04

14.

Other Industries

138

4,03

3,17

84,551

655,22

532,78

15.

Electricity, Gas & Water

-

-

-

40

100,59

98,01

(a)

Electricity Generation & Transmission

-

-

-

34

99,87

97,36

(b)

Non-Conventional Energy

-

-

-

1

23

23

(c)

Gas, Steam & Water Supply

-

-

-

5

50

43

16.

Construction

9

16,39

15,79

1,551

82,37

73,98

III.

TRANSPORT OPERATORS

47

1,28

81

19,690

103,94

77,64

IV.

PROFESSIONAL AND OTHER SERVICES

148