Table No. 5.6 – State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation – March 2000

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

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

  standing

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

2,46,804

1619,57

1298,05

2,94,355

1994,31

1666,24

-

-

-

1. Direct Finance

2,40,720

1488,73

1213,91

2,86,063

1628,45

1356,03

-

-

-

2. Indirect Finance

6,084

130,83

84,14

8,292

365,85

310,21

-

-

-

II.

INDUSTRY

71,145

2767,17

2185,40

1,03,792

4600,25

3618,62

161

379,45

252,60

1. Mining & Quarrying

35

5,08

2,75

200

28,23

20,84

-

-

-

2. Food Manufacturing & Processing

1,544

358,84

270,86

3,216

712,43

525,26

6

80,73

17,30

(a) Rice Mills, Flour & Dal Mills

1,142

246,77

170,52

1,883

510,45

362,29

1

3

3

(b) Sugar

31

26,77

25,30

23

62,42

50,73

-

-

-

(c) Edible Oils & Vanaspati

57

39,83

36,51

210

55,76

41,94

-

-

-

(d) Tea Processing

5

2,63

2,43

18

1,33

1,09

3

16,20

13,80

(e) Processing of Fruits & Vegetables

13

19,47

15,55

27

1,98

1,35

-

-

-

(f) Others

296

23,37

20,55

1,055

80,49

67,85

2

64,50

3,48

3. Beverage & Tobacco

10

5,64

4,31

77

44,07

34,00

5

2,34

1,54

4. Textiles

3,288

970,25

758,96

9,306

1548,95

1214,28

47

170,95

128,63

(a) Cotton Textiles

349

143,22

121,45

2,042

770,50

589,55

29

157,97

113,17

(b) Jute Textiles

4

16

7

21

2,29

1,91

-

-

-

(c) Handloom Textiles & Khadi

249

6,00

4,67

727

20,44

18,16

-

-

-

(d) Other Textiles

2,686

820,87

632,78

6,516

755,72

604,67

18

12,98

15,46

5. Paper, Paper Products & Printing

220

52,47

51,05

1,643

125,65

103,06

3

7,21

7,78

6. Leather & Leather Products

145

14,24

11,00

530

46,95

27,51

-

-

-

7. Rubber & Rubber Products

458

110,70

100,27

854

87,37

73,11

8

19,77

18,96

8. Chemicals & Chemical Products

654

92,34

87,69

2,217

168,91

144,69

34

37,83

29,60

(a) Heavy Industrial Chemicals

15

2,88

2,35

73

25,04

23,21

1

30

3

(b) Fertilisers

24

17,33

15,72

45

24,79

22,45

-

-

-

(c) Drugs & Pharmaceuticals

97

6,29

3,20

391

26,20

23,14

13

27,44

22,49

(d) Non-Edible Oils

8

3,88

2,87

24

6,57

5,85

-

-

-

(e) Other Chemicals & Chemical Products

510

61,96

63,55

1,684

86,31

70,04

20

10,09

7,08

9. Petroleum, Coal Products & Nuclear Fuels

24

3,90

1,43

89

13,05

10,82

1

1,50

1,42

10. Manufacture of Cement & Cement Products

32

3,75

3,40

210

6,28

5,47

1

2,00

2,00

11. Basic Metals & Metal Products

2,264

327,55

274,35

6,230

570,31

456,54

2

50

48

(a) Iron & Steel

658

191,83

169,59

1,678

365,85

294,50

2

50

48

(b) Non-Ferrous Metals

127

6,74

5,36

46

5,28

4,46

-

-

-

(c) Other Metal Products

1,479

128,98

99,39

4,506

199,18

157,58

-

-

-

12. Engineering

1,411

136,37

106,51

4,959

243,11

204,16

17

7,17

8,26

(a) Heavy Engineering

258

26,98

20,52

220

29,26

20,63

3

1,84

1,62

(b) Light Engineering

765

44,83

34,06

3,446

112,42

90,04

10

5,24

6,54

(c) Electrical Machinery & Goods

337

61,49

49,09

1,165

51,83

44,78

-

-

-

(d) Electronic Machinery & Goods

51

3,06

2,85

128

49,60

48,71

4

9

10

13. Vehicles, Vehicle Parts & Transport Equipments

1,416

210,51

154,43

3,369

407,45

301,73

19

48,70

35,80

14. Other Industries

59,542

355,25

294,38

70,406

540,37

452,20

18

76

81

15. Electricity, Gas & Water

25

116,81

61,00

38

25,04

18,74

-

-

-

(a) Electricity Generation & Transmission

21

116,39

60,60

14

22,61

16,85

-

-

-

(b) Non-Conventional Energy

-

-

-

4

33

44

-

-

-

(c) Gas, Steam & Water Supply

4

42

40

20

2,10

1,45

-

-

-

16. Construction

77

3,47

3,01

448

32,08

26,21

-

-

-

III.

TRANSPORT OPERATORS

5,215

34,70

22,44

17,868

134,49

100,41

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

4,122

65,89

51,44

21,536

262,16

215,63

6

1,16

66

V.

PERSONAL LOANS

1,28,936

587,27

486,28

2,77,563

1447,13

1228,49

1,434

45,81

46,65

1. Loans for Purchase of Consumer Durables

11,777

44,48

36,13

32,317

117,77

94,34

117

3,18

3,26

2. Loans for Housing

22,903

211,28

178,08

67,562

517,76

444,37

18

4,69

4,80

3. Rest of the Personal Loans

94,256

331,51

272,08

1,77,684

811,60

689,79

1,299

37,94

38,60

VI.

TRADE

54,404

548,75

394,59

1,13,426

3014,05

2750,44

14

7,82

8,03

1. Wholesale Trade

6,122

219,31

142,84

8,044

2160,60

2074,49

7

7,59

7,81

2. Retail Trade

48,282

329,44

251,75

1,05,382

853,46

675,95

7

23

22

VII.

FINANCE

913

14,32

10,63

696

40,16

32,81

2

63

63

VIII.

ALL OTHERS

30,719

180,16

164,61

65,655

698,36

583,10

49

1,85

1,81

TOTAL BANK CREDIT

5,42,258

5817,83

4613,44

8,94,891

12190,91

10195,75

1,666

436,72

310,38

OF WHICH:

1. Artisans & Village Industries

12,925

43,76

36,41

21,136

61,03

52,80

-

-

-

2. Other Small Scale Industries

41,043

1164,08

893,22

56,084

1901,96

1476,28

11

9,71

8,04

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

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

   standing

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

61,583

137,38

117,88

900

15,91

14,64

6,03,642

3767,16

3096,81

1. Direct Finance

61,524

136,98

117,57

811

7,21

5,94

5,89,118

3261,37

2693,44

2. Indirect Finance

59

40

31

89

8,70

8,70

14,524

505,79

403,37

II.

INDUSTRY

9,032

12,35

10,84

4,020

269,78

184,63

1,88,150

8029,01

6252,10

1. Mining & Quarrying

-

-

-

3

1,96

1,96

238

35,26

25,54

2. Food Manufacturing & Processing

121

1,42

1,40

76

24,74

11,96

4,963

1178,17

826,80

(a) Rice Mills, Flour & Dal Mills

22

43

41

28

16,13

4,32

3,076

773,80

537,57

(b) Sugar

-

-

-

3

1,78

1,59

57

90,97

77,63

(c) Edible Oils & Vanaspati

26

17

17

11

2,59

2,76

304

98,35

81,39

(d) Tea Processing

-

-

-

-

-

-

26

20,16

17,31

(e) Processing of Fruits & Vegetables

1

70

71

1

1,50

1,50

42

23,65

19,12

(f) Others

72

13

12

33

2,75

1,79

1,458

171,24

93,78

3. Beverage & Tobacco

-

-

-

1

3

1

93

52,08

39,86

4. Textiles

3

14

12

205

107,41

68,85

12,849

2797,71

2170,86

(a) Cotton Textiles

2

14

12

65

78,10

51,05

2,487

1149,93

875,33

(b) Jute Textiles

-

-

-

1

40

42

26

2,84

2,39

(c) Handloom Textiles & Khadi

-

-

-

3

58

58

979

27,02

23,41

(d) Other Textiles

1

-

-

136

28,34

16,81

9,357

1617,92

1269,72

5. Paper, Paper Products & Printing

9

22

19

23

2,87

2,59

1,898

188,42

164,68

6. Leather & Leather Products

1

1

1

25

35

27

701

61,55

38,78

7. Rubber & Rubber Products

5

2

2

19

1,41

38

1,344

219,28

192,75

8. Chemicals & Chemical Products

10

37

29

56

13,91

7,91

2,971

313,36

270,18

(a) Heavy Industrial Chemicals

2

9

2

3

1,24

1,14

94

29,55

26,74

(b) Fertilisers

2

20

20

2

2,40

2,32

73

44,72

40,69

(c) Drugs & Pharmaceuticals

4

2

-

17

29

22

522

60,24

49,05

(d) Non-Edible Oils

-

-

-

1

5

1

33

10,50

8,74

(e) Other Chemicals & Chemical Products

2

6

7

33

9,94

4,23

2,249

168,36

144,96

9. Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

114

18,45

13,67

10. Manufacture of Cement & Cement Products

-

-

-

13

62

57

256

12,65

11,45

11. Basic Metals & Metal Products

1

1

1

176

42,21

37,32

8,673

940,58

768,70

(a) Iron & Steel

-

-

-

78

31,41

28,50

2,416

589,59

493,07

(b) Non-Ferrous Metals

-

-

-

-

-

-

173

12,01

9,82

(c) Other Metal Products

1

1

1

98

10,80

8,82

6,084

338,98

265,81

12. Engineering

17

18

16

158

19,97

12,25

6,562

406,80

331,33

(a) Heavy Engineering

1

10

9

28

13,63

8,17

510

71,81

51,03

(b) Light Engineering

7

4

3

118

4,75

3,29

4,346

167,28

133,97

(c) Electrical Machinery & Goods

9

4

4

7

60

60

1,518

113,96

94,50

(d) Electronic Machinery & Goods

-

-

-

5

99

18

188

53,75

51,83

13. Vehicles, Vehicle Parts & Transport Equipments

2

1

1

561

34,21

23,60

5,367

700,87

515,57

14. Other Industries

8,858

9,73

8,44

2,690

17,83

14,77

1,41,514

923,93

770,60

15. Electricity, Gas & Water

2

22

19

2

28

35

67

142,35

80,28

(a) Electricity Generation & Transmission

-

-

-

-

-

-

35

139,00

77,46

(b) Non-Conventional Energy

2

22

19

-

-

-

6

55

63

(c) Gas, Steam & Water Supply

-

-

-

2

28

35

26

2,80

2,20

16. Construction

3

1

1

12

1,98

1,83

540

37,54

31,05

III.

TRANSPORT OPERATORS

3,583

5,31

3,81

80

2,36

1,72

26,746

176,85

128,38

IV.

PROFESSIONAL AND OTHER SERVICES

662

2,32

1,96

338

10,33

8,07

26,664

341,86

277,77

V.

PERSONAL LOANS

14,607

31,24

28,69

6,715

63,65

51,82

4,29,255

2175,11

1841,93

1. Loans for Purchase of Consumer Durables

2,294

3,44

3,03

838

9,01

7,20

47,343

177,88

143,95

2. Loans for Housing

1,398

5,41

5,10

270

5,80

3,64

92,151

744,94

635,98

3. Rest of the Personal Loans

10,915

22,40

20,56

5,607

48,84

40,97

2,89,761

1252,30

1061,99

VI.

TRADE

11,447

15,91

13,50

1,901

120,21

98,25

1,81,192

3706,74

3264,81

1. Wholesale Trade

435

1,21

1,12

462

60,21

51,14

15,070

2448,92

2277,40

2. Retail Trade

11,012

14,70

12,39

1,439

60,00

47,10

1,66,122

1257,82

987,41

VII.

FINANCE

-

-

-

14

98,46

98,24

1,625

153,58

142,31

VIII.

ALL OTHERS

892

1,50

1,29

3,807

67,07

63,84

1,01,122

948,94

814,65

TOTAL BANK CREDIT

1,01,806

206,00

177,98

17,775

647,78

521,20

15,58,396

19299,24

15818,75

OF WHICH:

1. Artisans & Village Industries

6,513

6,20

5,41

1,018

7,99

5,42

41,592

118,98

100,05

2. Other Small Scale Industries

1,978

3,92

3,66

1,343

50,47

40,82

1,00,459

3130,14

2422,03