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

14,587

26,35

20,97

5,524

23,75

18,38

1.

Direct Finance

14,444

25,64

20,51

5,483

23,26

17,92

2.

Indirect Finance

143

70

46

41

49

46

II.

INDUSTRY

7,784

71,31

59,98

5,138

120,91

108,19

1.

Mining & Quarrying

4

30

24

4

89

74

2.

Food Manufacturing & Processing

175

11,89

9,40

186

24,17

20,42

(a)

Rice Mills, Flour & Dal Mills

97

6,81

5,61

102

12,81

11,42

(b)

Sugar

-

-

-

1

5

-

(c)

Edible Oils & Vanaspati

37

2,90

1,91

18

2,03

1,94

(d)

Tea Processing

-

-

-

1

6

6

(e)

Processing of Fruits & Vegetables

-

-

-

3

14

10

(f)

Others

41

2,18

1,88

61

9,09

6,90

3.

Beverage & Tobacco

2

7

5

6

45

44

4.

Textiles

63

5,06

3,73

172

6,82

6,82

(a)

Cotton Textiles

5

3,32

2,19

9

2,36

2,84

(b)

Jute Textiles

1

5

2

1

7

6

(c)

Handloom Textiles & Khadi

1

3

3

7

41

31

(d)

Other Textiles

56

1,66

1,48

155

3,97

3,61

5.

Paper, Paper Products & Printing

31

1,55

1,40

60

2,01

1,77

6.

Leather & Leather Products

9

33

29

23

19

19

7.

Rubber & Rubber Products

4

13

14

18

1,57

1,16

8.

Chemicals & Chemical Products

14

72

63

115

13,01

14,60

(a)

Heavy Industrial Chemicals

1

20

18

3

44

34

(b)

Fertilisers

-

-

-

1

19

19

(c)

Drugs & Pharmaceuticals

4

11

9

31

3,67

4,26

(d)

Non-Edible Oils

-

-

-

1

2

2

(e)

Other Chemicals & Chemical Products

9

41

36

79

8,70

9,79

9.

Petroleum, Coal Products & Nuclear Fuels

27

2,46

2,09

-

-

-

10.

Manufacture of Cement & Cement Products

13

21

17

44

9,87

7,32

11.

Basic Metals & Metal Products

99

6,24

5,12

104

13,34

11,46

(a)

Iron & Steel

17

2,03

1,71

29

6,65

5,25

(b)

Non-Ferrous Metals

1

4

4

3

10

8

(c)

Other Metal Products

81

4,18

3,38

72

6,58

6,14

12.

Engineering

56

3,90

3,02

119

6,91

6,28

(a)

Heavy Engineering

-

-

-

-

-

-

(b)

Light Engineering

15

95

78

34

3,84

3,57

(c)

Electrical Machinery & Goods

36

2,66

2,07

80

2,77

2,40

(d)

Electronic Machinery & Goods

5

30

17

5

29

30

13.

Vehicles, Vehicle Parts & Transport Equipments

19

24

18

96

9,67

7,99

14.

Other Industries

7,253

37,34

32,72

3,844

27,96

24,94

15.

Electricity, Gas & Water

3

24

21

5

28

18

(a)

Electricity Generation & Transmission

3

24

21

3

15

5

(b)

Non-Conventional Energy

-

-

-

1

4

4

(c)

Gas, Steam & Water Supply

-

-

-

1

10

9

16.

Construction

12

64

61

342

3,77

3,87

III.

TRANSPORT OPERATORS

2,569

46,62

34,87

1,800

30,28

24,48

IV.

PROFESSIONAL AND OTHER SERVICES

292

14,78

13,64

11,967

23,97

21,15

V.

PERSONAL LOANS

19,588

64,61

54,09

16,232

85,80

73,78

1.

Loans for Purchase of Consumer Durables

2,348

7,50

6,12

4,019

10,36

8,34

2.

Loans for Housing

1,938

16,09

14,03

1,823

23,40

20,69

3.

Rest of the Personal Loans

15,302

41,02

33,95

10,390

52,04

44,76

VI.

TRADE

16,453

60,40

51,39

8,593

86,79

75,07

1.

Wholesale Trade

311

4,57

4,12

651

25,36

20,12

2.

Retail Trade

16,142

55,83

47,27

7,942

61,44

54,95

VII.

FINANCE

53

70

46

58

2,87

1,94

VIII.

ALL OTHERS

1,237

6,99

5,87

9,408

51,92

46,56

TOTAL BANK CREDIT

62,563

291,75

241,29

58,720

426,28

369,55

OF WHICH:

1.

Artisans & Village Industries

2,186

5,30

4,70

1,684

5,64

5,30

2.

Other Small Scale Industries

1,829

37,09

30,48

2,950

71,19

65,47

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

-

-

-

35,292

30,31

26,87

1.

Direct Finance

-

-

-

34,652

29,33

26,05

2.

Indirect Finance

-

-

-

640

98

82

II.

INDUSTRY

4

3,64

2,30

8,408

5,89

5,16

1.

Mining & Quarrying

-

-

-

-

-

-

2.

Food Manufacturing & Processing

-

-

-

64

1,13

84

(a)

Rice Mills, Flour & Dal Mills

-

-

-

59

1,09

81

(b)

Sugar

-

-

-

-

-

-

(c)

Edible Oils & Vanaspati

-

-

-

1

1

1

(d)

Tea Processing

-

-

-

-

-

-

(e)

Processing of Fruits & Vegetables

-

-

-

-

-

-

(f)

Others

-

-

-

4

4

3

3.

Beverage & Tobacco

-

-

-

-

-

-

4.

Textiles

-

-

-

5

3

2

(a)

Cotton Textiles

-

-

-

1

1

1

(b)

Jute Textiles

-

-

-

-

-

-

(c)

Handloom Textiles & Khadi

-

-

-

-

-

-

(d)

Other Textiles

-

-

-

4

2

2

5.

Paper, Paper Products & Printing

-

-

-

1

1

1

6.

Leather & Leather Products

-

-

-

-

-

-

7.

Rubber & Rubber Products

-

-

-

-

-

-

8.

Chemicals & Chemical Products

-

-

-

-

-

-

(a)

Heavy Industrial Chemicals

-

-

-

-

-

-

(b)

Fertilisers

-

-

-

-

-

-

(c)

Drugs & Pharmaceuticals

-

-

-

-

-

-

(d)

Non-Edible Oils

-

-

-

-

-

-

(e)

Other Chemicals & Chemical Products

-

-

-

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

-

-

-

10.

Manufacture of Cement & Cement Products

-

-

-

-

-

-

11.

Basic Metals & Metal Products

-

-

-

3

6

6

(a)

Iron & Steel

-

-

-

-

-

-

(b)

Non-Ferrous Metals

-

-

-

-

-

-

(c)

Other Metal Products

-

-

-

3

6

6

12.

Engineering

3

3,62

2,30

3

5

5

(a)

Heavy Engineering

-

-

-

1

3

3

(b)

Light Engineering

3

3,62

2,30

1

2

1

(c)

Electrical Machinery & Goods

-

-

-

1

1

1

(d)

Electronic Machinery & Goods

-

-

-

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

-

-

-

5

5

5

14.

Other Industries

1

2

-

8,327

4,56

4,13

15.

Electricity, Gas & Water

-

-

-

-

-

-

(a)

Electricity Generation & Transmission

-

-

-

-

-

-

(b)

Non-Conventional Energy

-

-

-

-

-

-

(c)

Gas, Steam & Water Supply

-

-

-

-

-

-

16.

Construction

-

-

-

-

-

-

III.

TRANSPORT OPERATORS

-

-

-

6,274

19,42

14,77

IV.

PROFESSIONAL AND OTHER SERVICES

3

12

11

791

80

71

V.

PERSONAL LOANS

-

-

-

8,811

16,80

15,93

1.

Loans for Purchase of Consumer Durables

-

-

-

605

79

71

2.

Loans for Housing

-

-

-

1,205

5,34

4,79

3.

Rest of the Personal Loans

-

-

-

7,001

10,67

10,43

VI.

TRADE

225

28

29

16,058

19,39

17,96

1.

Wholesale Trade

225

28

29

1,275

95

91

2.

Retail Trade

-

-

-

14,783

18,44

17,05

VII.

FINANCE

-

-

-

10

27

18

VIII.

ALL OTHERS

-

-

-

2,231

1,99

1,97

TOTAL BANK CREDIT

232

4,04

2,70

77,875

94,86

83,55

OF WHICH:

1.

Artisans & Village Industries

1

2

-

8,115

4,29

3,87

2.

Other Small Scale Industries

-

-

-

267

1,36

1,09

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

19,820

83,22

74,13

75,223

163,62

140,36

1.

Direct Finance

19,547

81,92

73,02

74,126

160,15

137,50

2.

Indirect Finance

273

1,30

1,11

1,097

3,47

2,85

II.

INDUSTRY

12,913

236,38

226,58

34,247

438,13

402,22

1.

Mining & Quarrying

5

2,04

3,38

13

3,22

4,37

2.

Food Manufacturing & Processing

282

38,40

34,42

707

75,59

65,08

(a)

Rice Mills, Flour & Dal Mills

119

24,91

21,80

377

45,62

39,64

(b)

Sugar

1

35

-

2

39

-

(c)

Edible Oils & Vanaspati

67

7,15

7,50

123

12,08

11,36

(d)

Tea Processing

-

-

-

1

6

6

(e)

Processing of Fruits & Vegetables

3

15

8

6

29

19

(f)

Others

92

5,84

5,02

198

17,14

13,83

3.

Beverage & Tobacco

10

5,45

5,32

18

5,97

5,81

4.

Textiles

637

54,69

48,27

877

66,59

58,84

(a)

Cotton Textiles

15

29,31

23,26

30

35,00

28,29

(b)

Jute Textiles

-

-

-

2

12

8

(c)

Handloom Textiles & Khadi

78

1,09

1,18

86

1,54

1,53

(d)

Other Textiles

544

24,28

23,83

759

29,93

28,94

5.

Paper, Paper Products & Printing

89

3,95

3,58

181

7,51

6,76

6.

Leather & Leather Products

150

3,68

3,72

182

4,19

4,20

7.

Rubber & Rubber Products

18

41

40

40

2,12

1,70

8.

Chemicals & Chemical Products

99

22,74

19,83

228

36,47

35,06

(a)

Heavy Industrial Chemicals

1

38

24

5

1,01

75

(b)

Fertilisers

-

-

-

1

19

19

(c)

Drugs & Pharmaceuticals

37

4,61

4,06

72

8,39

8,41

(d)

Non-Edible Oils

-

-

-

1

2

2

(e)

Other Chemicals & Chemical Products

61

17,76

15,53

149

26,87

25,69

9.

Petroleum, Coal Products & Nuclear Fuels

1

3

3

28

2,49

2,13

10.

Manufacture of Cement & Cement Products

42

12,79

10,47

99

22,87

17,96

11.

Basic Metals & Metal Products

219

19,74

27,69

425

39,39

44,33

(a)

Iron & Steel

28

11,47

18,06

74

20,16

25,01

(b)

Non-Ferrous Metals

6

26

34

10

40

45

(c)

Other Metal Products

185

8,01

9,29

341

18,83

18,87

12.

Engineering

158

7,22

7,72

339

21,70

19,36

(a)

Heavy Engineering

8

1,67

2,27

9

1,70

2,30

(b)

Light Engineering

32

1,28

1,11

85

9,71

7,77

(c)

Electrical Machinery & Goods

99

3,06

2,72

216

8,50

7,21

(d)

Electronic Machinery & Goods

19

1,20

1,62

29

1,80

2,09

13.

Vehicles, Vehicle Parts & Transport Equipments

119

3,81

3,08

239

13,77

11,29

14.

Other Industries

10,990

56,25

52,18

30,415

126,13

113,97

15.

Electricity, Gas & Water

4

19

14

12

71

53

(a)

Electricity Generation & Transmission

2

8

7

8

46

32

(b)

Non-Conventional Energy

-

-

-

1

4

4

(c)

Gas, Steam & Water Supply

2

12

7

3

21

17

16.

Construction

90

4,99

6,37

444

9,40

10,84

III.

TRANSPORT OPERATORS

3,176

73,13

55,58

13,819

169,44

129,70