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

26,262

61,28

49,69

45,841

105,91

83,86

1.

Direct Finance

25,914

58,21

47,14

45,619

95,09

73,72

2.

Indirect Finance

348

3,07

2,55

222

10,82

10,14

II.

INDUSTRY

12,234

142,69

113,64

16,969

320,59

288,46

1.

Mining & Quarrying

16

63

53

46

3,70

3,22

2.

Food Manufacturing & Processing

78

20,06

16,31

191

13,03

11,48

(a)

Rice Mills, Flour & Dal Mills

36

4,59

3,00

87

6,74

5,72

(b)

Sugar

-

-

-

1

3

3

(c)

Edible Oils & Vanaspati

4

2,84

2,06

27

4,29

3,96

(d)

Tea Processing

2

13

11

-

-

-

(e)

Processing of Fruits & Vegetables

13

7,74

7,07

1

12

12

(f)

Others

23

4,76

4,06

75

1,85

1,65

3.

Beverage & Tobacco

2

11

7

13

7,11

7,15

4.

Textiles

77

6,97

6,37

153

57,41

54,39

(a)

Cotton Textiles

15

2,72

2,93

28

16,99

17,50

(b)

Jute Textiles

2

14

15

-

-

-

(c)

Handloom Textiles & Khadi

20

52

40

33

6,26

6,04

(d)

Other Textiles

40

3,59

2,89

92

34,15

30,86

5.

Paper, Paper Products & Printing

58

3,60

3,35

126

10,67

10,61

6.

Leather & Leather Products

12

34

29

13

74

69

7.

Rubber & Rubber Products

15

1,00

73

52

2,34

1,99

8.

Chemicals & Chemical Products

72

6,97

5,61

179

36,23

31,77

(a)

Heavy Industrial Chemicals

1

5

4

13

10,52

9,06

(b)

Fertilisers

-

-

-

7

1,73

1,64

(c)

Drugs & Pharmaceuticals

28

1,79

1,46

25

2,38

1,75

(d)

Non-Edible Oils

2

5

5

4

22

10

(e)

Other Chemicals & Chemical Products

41

5,08

4,05

130

21,38

19,22

9.

Petroleum, Coal Products & Nuclear Fuels

4

11,28

1,53

4

1,11

1,11

10.

Manufacture of Cement & Cement Products

18

1,58

1,38

37

2,68

2,49

11.

Basic Metals & Metal Products

69

4,22

3,19

244

57,78

49,84

(a)

Iron & Steel

19

2,47

1,96

104

26,85

27,25

(b)

Non-Ferrous Metals

-

-

-

18

3,87

2,67

(c)

Other Metal Products

50

1,75

1,22

122

27,06

19,92

12.

Engineering

100

20,13

16,81

186

33,05

32,26

(a)

Heavy Engineering

11

1,80

1,48

4

18

16

(b)

Light Engineering

38

2,94

2,52

58

19,46

19,13

(c)

Electrical Machinery & Goods

31

8,21

6,99

95

2,57

2,33

(d)

Electronic Machinery & Goods

20

7,18

5,82

29

10,84

10,63

13.

Vehicles, Vehicle Parts & Transport Equipments

20

4,66

4,52

85

15,20

14,68

14.

Other Industries

11,607

52,81

47,09

14,722

56,48

48,51

15.

Electricity, Gas & Water

4

7,74

5,35

17

11,10

7,22

(a)

Electricity Generation & Transmission

4

7,74

5,35

14

10,88

7,07

(b)

Non-Conventional Energy

-

-

-

1

15

10

(c)

Gas, Steam & Water Supply

-

-

-

2

8

5

16.

Construction

82

60

51

901

11,96

11,06

III.

TRANSPORT OPERATORS

8,967

77,95

55,16

4,868

108,42

72,57

IV.

PROFESSIONAL AND OTHER SERVICES

706

14,12

10,78

5,334

20,89

17,28

V.

PERSONAL LOANS

40,748

122,30

101,13

41,604

153,55

130,30

1.

Loans for Purchase of Consumer Durables

10,522

25,58

23,04

3,482

9,06

7,30

2.

Loans for Housing

2,904

27,22

22,42

4,910

54,40

47,16

3.

Rest of the Personal Loans

27,322

69,51

55,68

33,212

90,08

75,84

VI.

TRADE

46,796

131,16

109,42

23,584

121,12

94,26

1.

Wholesale Trade

669

14,13

10,52

734

16,81

13,42

2.

Retail Trade

46,127

117,03

98,90

22,850

104,32

80,84

VII.

FINANCE

57

1,59

1,20

314

6,13

1,92

VIII.

ALL OTHERS

3,157

11,52

9,26

14,727

83,22

66,50

TOTAL BANK CREDIT

1,38,927

562,61

450,29

1,53,241

919,84

755,14

OF WHICH:

1.

Artisans & Village Industries

6,279

13,85

11,94

9,490

18,60

14,77

2.

Other Small Scale Industries

3,796

62,04

51,41

6,033

91,98

83,34

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

-

-

-

14,895

15,96

12,62

1.

Direct Finance

-

-

-

14,240

14,99

11,79

2.

Indirect Finance

-

-

-

655

97

83

II.

INDUSTRY

18

110,63

87,94

3,710

5,43

4,26

1.

Mining & Quarrying

-

-

-

-

-

-

2.

Food Manufacturing & Processing

-

-

-

28

63

57

(a)

Rice Mills, Flour & Dal Mills

-

-

-

24

58

51

(b)

Sugar

-

-

-

-

-

-

(c)

Edible Oils & Vanaspati

-

-

-

-

-

-

(d)

Tea Processing

-

-

-

-

-

-

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

(f)

Others

-

-

-

4

6

5

3.

Beverage & Tobacco

-

-

-

-

-

-

4.

Textiles

1

3

3

35

60

44

(a)

Cotton Textiles

-

-

-

14

22

22

(b)

Jute Textiles

-

-

-

-

-

-

(c)

Handloom Textiles & Khadi

-

-

-

11

6

6

(d)

Other Textiles

1

3

3

10

31

16

5.

Paper, Paper Products & Printing

-

-

-

5

4

2

6.

Leather & Leather Products

-

-

-

1

-

-

7.

Rubber & Rubber Products

-

-

-

-

-

-

8.

Chemicals & Chemical Products

1

8

-

1

-

-

(a)

Heavy Industrial Chemicals

-

-

-

-

-

-

(b)

Fertilisers

-

-

-

-

-

-

(c)

Drugs & Pharmaceuticals

1

8

-

-

-

-

(d)

Non-Edible Oils

-

-

-

-

-

-

(e)

Other Chemicals & Chemical Products

-

-

-

1

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

10.

Manufacture of Cement & Cement Products

2

5,60

5,36

-

-

-

11.

Basic Metals & Metal Products

1

79

45

9

5

4

(a)

Iron & Steel

-

-

-

-

-

-

(b)

Non-Ferrous Metals

-

-

-

-

-

-

(c)

Other Metal Products

1

79

45

9

5

4

12.

Engineering

2

95

49

23

14

12

(a)

Heavy Engineering

-

-

-

-

-

-

(b)

Light Engineering

2

95

49

16

11

9

(c)

Electrical Machinery & Goods

-

-

-

7

3

3

(d)

Electronic Machinery & Goods

-

-

-

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

3

12,93

12,93

5

12

5

14.

Other Industries

-

-

-

3,601

3,84

3,01

15.

Electricity, Gas & Water

6

90,10

68,63

-

-

-

(a)

Electricity Generation & Transmission

6

90,10

68,63

-

-

-

(b)

Non-Conventional Energy

-

-

-

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

16.

Construction

2

16

3

2

1

1

III.

TRANSPORT OPERATORS

-

-

-

3,940

23,94

16,10

IV.

PROFESSIONAL AND OTHER SERVICES

-

-

-

1,710

3,01

2,38

V.

PERSONAL LOANS

3

17

11

13,782

23,02

20,21

1.

Loans for Purchase of Consumer Durables

1

4

5

1,027

1,70

1,36

2.

Loans for Housing

-

-

-

806

2,97

2,67

3.

Rest of the Personal Loans

2

13

7

11,949

18,36

16,18

VI.

TRADE

4

13

7

7,193

16,03

13,53

1.

Wholesale Trade

4

13

7

308

86

65

2.

Retail Trade

-

-

-

6,885

15,17

12,89

VII.

FINANCE

-

-

-

3

5

5

VIII.

ALL OTHERS

1

5

5

3,721

5,41

4,78

TOTAL BANK CREDIT

26

110,99

88,17

48,954

92,85

73,94

OF WHICH:

1.

Artisans & Village Industries

-

-

-

3,170

2,89

2,32

2.

Other Small Scale Industries

1

8

-

381

1,31

1,13

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

5

13

7

87,003

183,28

146,25

1.

Direct Finance

5

13

7

85,778

168,42

132,72

2.

Indirect Finance

-

-

-

1,225

14,86

13,53

II.

INDUSTRY

15

20

12

32,946

579,54

494,43

1.

Mining & Quarrying

-

-

-

62

4,34

3,75

2.

Food Manufacturing & Processing

-

-

-

297

33,72

28,35

(a)

Rice Mills, Flour & Dal Mills

-

-

-

147

11,91

9,23

(b)

Sugar

-

-

-

1

3

3

(c)

Edible Oils & Vanaspati

-

-

-

31

7,12

6,02

(d)

Tea Processing

-

-

-

2

13

11

(e)

Processing of Fruits & Vegetables

-

-

-

14

7,86

7,19

(f)

Others

-

-

-

102

6,66

5,77

3.

Beverage & Tobacco

-

-

-

15

7,22

7,22

4.

Textiles

-

-

-

266

65,01

61,24

(a)

Cotton Textiles

-

-

-

57

19,94

20,64

(b)

Jute Textiles

-

-

-

2

14

15

(c)

Handloom Textiles & Khadi

-

-

-

64

6,85

6,50

(d)

Other Textiles

-

-

-

143

38,09

33,94

5.

Paper, Paper Products & Printing

-

-

-

189

14,31

13,99

6.

Leather & Leather Products

-

-

-

26

1,09

99

7.

Rubber & Rubber Products

-

-

-

67

3,34

2,72

8.

Chemicals & Chemical Products

-

-

-

253

43,28

37,38

(a)

Heavy Industrial Chemicals

-

-

-

14

10,57

9,10

(b)

Fertilisers

-

-

-

7

1,73

1,64

(c)

Drugs & Pharmaceuticals

-

-

-

54

4,24

3,22

(d)

Non-Edible Oils

-

-

-

6

28

15

(e)

Other Chemicals & Chemical Products

-

-

-

172

26,46

23,27

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

8

12,38

2,64

10.

Manufacture of Cement & Cement Products

-

-

-

57

9,86

9,23

11.

Basic Metals & Metal Products

-

-

-

323

62,83

53,51

(a)

Iron & Steel

-

-

-

123

29,31

29,21

(b)

Non-Ferrous Metals

-

-

-

18

3,87

2,67

(c)

Other Metal Products

-

-

-

182

29,64

21,64

12.

Engineering

-

-

-

311

54,28

49,68

(a)

Heavy Engineering

-

-

-

15

1,98

1,64

(b)

Light Engineering

-

-

-

114

23,47

22,23

(c)

Electrical Machinery & Goods

-

-

-

133

10,81

9,35

(d)

Electronic Machinery & Goods

-

-

-

49

18,02

16,45

13.

Vehicles, Vehicle Parts & Transport Equipments

-

-

-

113

32,92

32,18

14.

Other Industries

15

20

12

29,945

113,32

98,73

15.

Electricity, Gas & Water

-

-

-

27

108,93

81,20

(a)

Electricity Generation & Transmission

-

-

-

24

108,71

81,04

(b)

Non-Conventional Energy

-

-

-

1

15

10

(c)

Gas, Steam & Water Supply

-

-

-

2

8

5

16.

Construction

-

-

-

987

12,72

11,61

III.

TRANSPORT OPERATORS

17

48

29

17,792

210,80

144,12

IV.

PROFESSIONAL AND OTHER SERVICES

3

4