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

2,86,955

1035,96

842,91

3,10,202

1590,18

1311,69

-

-

-

1. Direct Finance

2,84,003

931,04

767,44

3,07,057

998,77

825,95

-

-

-

2. Indirect Finance

2,952

104,91

75,47

3,145

591,40

485,74

-

-

-

II.

INDUSTRY

73,136

1840,04

1471,00

60,172

2471,70

2050,57

25

34,42

27,67

1. Mining & Quarrying

249

48,47

31,16

584

73,20

56,22

-

-

-

2. Food Manufacturing & Processing

835

106,40

70,16

1,189

105,32

80,67

3

6,49

3,68

(a)

Rice Mills, Flour & Dal Mills

258

25,17

19,70

398

22,93

18,67

-

-

-

(b)

Sugar

4

4,56

4,55

11

21,60

13,63

-

-

-

(c)

Edible Oils & Vanaspati

246

33,08

23,08

289

34,33

28,38

-

-

-

(d)

Tea Processing

3

42

42

6

67

63

-

-

-

(e)

Processing of Fruits & Vegetables

9

91

92

23

1,74

1,36

-

-

-

(f)

Others

315

42,28

21,48

462

24,05

18,00

3

6,49

3,68

3. Beverage & Tobacco

16

5,20

3,37

34

20,31

12,84

-

-

-

4. Textiles

2,129

478,62

421,54

2,408

685,25

586,99

-

-

-

(a)

Cotton Textiles

964

88,36

76,76

512

135,92

127,03

-

-

-

(b)

Jute Textiles

5

36

34

2

50

33

-

-

-

(c)

Handloom Textiles & Khadi

82

3,92

4,02

241

13,39

11,53

-

-

-

(d)

Other Textiles

1,078

385,98

340,43

1,653

535,44

448,09

-

-

-

5. Paper, Paper Products & Printing

245

13,74

12,10

655

125,75

95,53

-

-

-

6. Leather & Leather Products

118

71

51

129

12,91

11,53

-

-

-

7. Rubber & Rubber Products

90

11,56

10,68

167

130,09

108,38

-

-

-

8. Chemicals & Chemical Products

753

111,97

89,73

1,103

244,11

183,10

3

7,53

6,02

(a)

Heavy Industrial Chemicals

73

5,70

4,58

60

23,58

15,92

2

7,00

5,25

(b)

Fertilisers

26

25,36

14,40

23

32,39

17,65

-

-

-

(c)

Drugs & Pharmaceuticals

68

2,63

2,31

208

35,58

31,20

1

53

77

(d)

Non-Edible Oils

10

78

79

7

1,22

1,11

-

-

-

(e)

Other Chemicals & Chemical Products

576

77,51

67,65

805

151,35

117,22

-

-

-

9. Petroleum, Coal Products & Nuclear Fuels

28

25,93

17,21

21

4,09

3,53

-

-

-

10. Manufacture of Cement & Cement Products

229

73,05

54,42

258

57,33

47,86

-

-

-

11. Basic Metals & Metal Products

806

139,56

115,30

1,124

207,80

176,66

2

6,92

6,00

(a)

Iron & Steel

201

53,91

45,17

328

114,39

100,22

-

-

-

(b)

Non-Ferrous Metals

58

45,96

36,02

57

33,35

25,25

1

5,92

5,92

(c)

Other Metal Products

547

39,68

34,11

739

60,06

51,19

1

1,00

8

12. Engineering

753

318,66

238,98

1,192

276,41

237,19

6

8,84

8,70

(a)

Heavy Engineering

38

29,48

21,34

67

17,52

15,68

-

-

-

(b)

Light Engineering

338

95,99

79,29

533

130,12

99,69

4

1,45

1,32

(c)

Electrical Machinery & Goods

331

131,43

95,41

532

75,10

71,42

-

-

-

(d)

Electronic Machinery & Goods

46

61,77

42,95

60

53,67

50,39

2

7,39

7,39

13. Vehicles, Vehicle Parts & Transport Equipments

856

10,72

9,77

346

26,58

23,33

10

4,18

3,13

14. Other Industries

65,224

454,87

363,41

50,237

441,11

381,48

1

46

13

15. Electricity, Gas & Water

24

35,62

29,06

62

35,41

23,41

-

-

-

(a)

Electricity Generation & Transmission

9

32,55

26,65

49

28,50

16,10

-

-

-

(b)

Non-Conventional Energy

-

-

-

1

2,12

2,16

-

-

-

(c)

Gas, Steam & Water Supply

15

3,07

2,40

12

4,79

5,15

-

-

-

16. Construction

781

4,95

3,59

663

26,03

21,85

-

-

-

III.

TRANSPORT OPERATORS

7,465

72,40

52,80

10,405

194,39

154,99

-

-

-

IV.

PROFESSIONAL AND OTHER SERVICES

7,175

58,01

46,04

24,227

240,65

205,40

-

-

-

V.

PERSONAL LOANS

2,09,469

750,81

641,03

1,88,743

1037,73

920,94

19

1,15

34

1. Loans for Purchase of Consumer Durables

11,903

32,12

23,96

13,483

40,76

32,21

-

-

-

2. Loans for Housing

30,589

294,90

257,93

43,390

460,17

413,46

-

-

-

3. Rest of the Personal Loans

1,66,977

423,79

359,13

1,31,870

536,79

475,27

19

1,15

34

VI.

TRADE

1,18,909

947,70

809,47

1,00,965

810,11

641,27

5

3,92

3,07

1. Wholesale Trade

8,016

527,96

472,40

5,856

342,59

272,80

2

1,70

1,51

2. Retail Trade

1,10,893

419,74

337,07

95,109

467,52

368,47

3

2,22

1,56

VII.

FINANCE

883

14,40

10,75

569

65,41

59,78

-

-

-

VIII. ALL OTHERS

18,849

116,89

97,47

54,856

448,41

391,95

-

-

-

TOTAL BANK CREDIT

7,22,841

4836,21

3971,47

7,50,139

6858,59

5736,58

49

39,49

31,08

OF WHICH:

1. Artisans & Village Industries

29,019

47,79

39,34

22,044

54,25

45,89

-

-

-

2. Other Small Scale Industries

39,812

507,96

409,86

25,379

552,73

431,77

2

2,15

65

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

2,56,592

553,77

432,54

39,501

159,89

118,71

8,93,250

3339,79

2705,84

1. Direct Finance

2,54,204

545,30

426,23

38,503

106,19

78,44

8,83,767

2581,31

2098,05

2. Indirect Finance

2,388

8,46

6,31

998

53,70

40,27

9,483

758,48

607,79

II.

INDUSTRY

45,309

72,78

56,87

12,354

788,02

620,98

1,90,996

5206,96

4227,10

1. Mining & Quarrying

54

3,87

2,55

71

134,05

101,53

958

259,59

191,46

2. Food Manufacturing & Processing

442

2,88

2,25

201

58,66

44,13

2,670

279,75

200,89

(a)

Rice Mills, Flour & Dal Mills

176

1,09

78

71

7,06

5,78

903

56,24

44,93

(b)

Sugar

2

4

-

2

10,00

8,94

19

36,20

27,12

(c)

Edible Oils & Vanaspati

55

73

62

65

15,48

9,84

655

83,61

61,91

(d)

Tea Processing

-

-

-

-

-

-

9

1,08

1,06

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

32

2,65

2,28

(f)

Others

209

1,02

85

63

26,13

19,58

1,052

99,97

63,59

3. Beverage & Tobacco

-

-

-

18

18,52

14,74

68

44,04

30,95

4. Textiles

181

1,83

1,59

435

200,17

152,60

5,153

1365,87

1162,73

(a)

Cotton Textiles

16

79

78

126

29,42

23,35

1,618

254,49

227,93

(b)

Jute Textiles

-

-

-

1

20

3

8

1,06

69

(c)

Handloom Textiles & Khadi

20

7

5

25

6,81

5,22

368

24,18

20,82

(d)

Other Textiles

145

97

76

283

163,74

124,00

3,159

1086,14

913,29

5. Paper, Paper Products & Printing

70

65

43

93

3,43

2,95

1,063

143,57

111,01

6. Leather & Leather Products

146

57

49

8

7

7

401

14,26

12,60

7. Rubber & Rubber Products

18

10

7

20

1,13

60

295

142,87

119,72

8. Chemicals & Chemical Products

101

1,62

1,18

154

53,29

43,62

2,114

418,52

323,66

(a)

Heavy Industrial Chemicals

-

-

-

10

1,29

1,16

145

37,57

26,91

(b)

Fertilisers

1

25

25

-

-

-

50

57,99

32,30

(c)

Drugs & Pharmaceuticals

13

9

8

44

7,48

6,49

334

46,31

40,85

(d)

Non-Edible Oils

-

-

-

2

6

6

19

2,06

1,97

(e)

Other Chemicals & Chemical Products

87

1,28

86

98

44,46

35,91

1,566

274,59

221,63

9. Petroleum, Coal Products & Nuclear Fuels

-

-

-

2

6

3

51

30,08

20,78

10. Manufacture of Cement & Cement Products

91

1,00

76

40

16,00

15,54

618

147,38

118,58

11. Basic Metals & Metal Products

145

89

67

139

41,52

31,94

2,216

396,69

330,57

(a)

Iron & Steel

1

4

4

73

33,66

25,11

603

202,00

170,54

(b)

Non-Ferrous Metals

-

-

-

5

3,47

3,22

121

88,71

70,41

(c)

Other Metal Products

144

85

63

61

4,39

3,61

1,492

105,99

89,62

12. Engineering

247

1,85

1,62

507

92,88

80,82

2,705

698,64

567,31

(a)

Heavy Engineering

15

68

60

11

96

44

131

48,63

38,06

(b)

Light Engineering

144

69

63

54

5,13

4,30

1,073

233,39

185,22

(c)

Electrical Machinery & Goods

87

44

38

432

75,02

65,51

1,382

281,99

232,72

(d)

Electronic Machinery & Goods

1

4

2

10

11,77

10,56

119

134,64

111,31

13. Vehicles, Vehicle Parts & Transport Equipments

145

1,54

1,19

28

12,17

9,62

1,385

55,19

47,04

14. Other Industries

43,615

55,42

43,61

10,583

140,03

106,48

1,69,660

1091,89

895,11

15. Electricity, Gas & Water

-

-

-

1

57

36

87

71,61

52,83

(a)

Electricity Generation & Transmission

-

-

-

1

57

36

59

61,62

43,12

(b)

Non-Conventional Energy

-

-

-

-

-

-

1

2,12

2,16

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

27

7,87

7,56

16. Construction

54

57

46

54

15,47

15,94

1,552

47,02

41,85

III.

TRANSPORT OPERATORS

12,556

37,70

27,77

833

40,94

22,12

31,259

345,43

257,68

IV.

PROFESSIONAL AND OTHER SERVICES

11,863

20,73

16,03

4,254

48,32

31,40

47,519

367,72

298,86

V.

PERSONAL LOANS

98,490

206,63

174,96

49,871

251,03

206,85

5,46,592

2247,35

1944,11

1. Loans for Purchase of Consumer Durables

7,745

14,61

11,07

6,457

22,29

18,30

39,588

109,80

85,55

2. Loans for Housing

8,735

40,65

36,65

10,251

99,46

86,98

92,965

895,18

795,03

3. Rest of the Personal Loans

82,010

151,37

127,24

33,163

129,28

101,56

4,14,039

1242,37

1063,53

VI.

TRADE

55,615

96,31

75,87

18,550

339,08

284,40

2,94,044

2197,12

1814,08

1. Wholesale Trade

1,602

5,10

4,43

1,185

207,67

185,72

16,661

1085,02

936,86

2. Retail Trade

54,013

91,21

71,44

17,365

131,41

98,68

2,77,383

1112,10

877,22

VII.

FINANCE

24

56

35

62

45,55

26,57

1,538

125,93

97,45

VIII. ALL OTHERS

15,195

24,74

19,06

5,214

131,40

90,43

94,114

721,45

598,91

TOTAL BANK CREDIT

4,95,644

1013,22

803,45

1,30,639

1804,24

1401,45

20,99,312

14551,75

11944,03

OF WHICH:

1. Artisans & Village Industries

38,035

40,03

31,50

3,466

11,18

7,60

92,564

153,26

124,33

2. Other Small Scale Industries

4,775

15,63

11,87

7,711

213,99

163,71

77,679

1292,46

1017,87