Table No.5.3 - Interest Rate Range-Wise Classification of Outstanding Loans andAdvances of Scheduled Commercial Banks According to Occupation (Part 1 of 2)
March 2001 |
|||||||||||
(Amount in Rupees Lakh) |
|||||||||||
|
|||||||||||
LESS THAN 6% |
6% AND ABOVE BUT |
||||||||||
|
LESS THAN 10% |
||||||||||
OCCUPATION |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|||||
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
||||||
1 |
2 |
3 |
4 |
5 |
6 |
||||||
|
|||||||||||
I. |
AGRICULTURE |
4 |
7,84 |
6,24 |
287 |
117,64 |
97,74 |
||||
1. Direct Finance |
— |
— |
— |
172 |
22,66 |
17,92 |
|||||
2. Indirect Finance |
4 |
7,84 |
6,24 |
115 |
94,98 |
79,82 |
|||||
II. |
INDUSTRY |
3 |
54 |
14 |
1,233 |
1695,52 |
1246,00 |
||||
1. Mining & Quarrying |
— |
— |
— |
62 |
26,61 |
12,80 |
|||||
2. Food Manufacturing & Processing |
— |
— |
— |
78 |
81,49 |
79,79 |
|||||
(a) |
Rice Mills, Flour & Dal Mills |
— |
— |
— |
10 |
2,25 |
2,63 |
||||
(b) |
Sugar |
— |
— |
— |
2 |
64 |
45 |
||||
(c) |
Edible Oils & Vanaspati |
— |
— |
— |
31 |
16,09 |
11,61 |
||||
(d) |
Tea Processing |
— |
— |
— |
2 |
16 |
16 |
||||
(e) |
Processing of Fruits & Vegetables |
— |
— |
— |
1 |
85 |
70 |
||||
(f) |
Others |
— |
— |
— |
32 |
61,49 |
64,24 |
||||
3. Beverage & Tobacco |
— |
— |
— |
5 |
25 |
15 |
|||||
4. Textiles |
— |
— |
— |
465 |
345,14 |
263,74 |
|||||
(a) |
Cotton Textiles |
— |
— |
— |
80 |
119,07 |
98,22 |
||||
(b) |
Jute Textiles |
— |
— |
— |
2 |
2,00 |
1,73 |
||||
(c) |
Handloom Textiles & Khadi |
— |
— |
— |
15 |
4,66 |
2,26 |
||||
(d) |
Other Textiles |
— |
— |
— |
368 |
219,41 |
161,53 |
||||
5. Paper, Paper Products & Printing |
— |
— |
— |
13 |
25,10 |
26,73 |
|||||
6. Leather & Leather Products |
— |
— |
— |
117 |
115,48 |
69,24 |
|||||
7. Rubber & Rubber Products |
— |
— |
— |
7 |
3,18 |
2,97 |
|||||
8. Chemicals & Chemical Products |
— |
— |
— |
103 |
127,60 |
108,86 |
|||||
(a) |
Heavy Industrial Chemicals |
— |
— |
— |
16 |
12,45 |
10,80 |
||||
(b) |
Fertilisers |
— |
— |
— |
7 |
20,88 |
20,55 |
||||
(c) |
Drugs & Pharmaceuticals |
— |
— |
— |
28 |
68,24 |
55,43 |
||||
(d) |
Non-Edible Oils |
— |
— |
— |
1 |
85 |
71 |
||||
(e) |
Other Chemicals & Chemical Products |
— |
— |
— |
51 |
25,18 |
21,37 |
||||
9. Petroleum, Coal Products & Nuclear Fuels |
— |
— |
— |
16 |
225,46 |
95,75 |
|||||
10. Manufacture of Cement & Cement Products |
— |
— |
— |
5 |
11,39 |
10,18 |
|||||
11. Basic Metals & Metal Products |
— |
— |
— |
80 |
455,91 |
359,34 |
|||||
(a) |
Iron & Steel |
— |
— |
— |
27 |
423,21 |
334,01 |
||||
(b) |
Non-Ferrous Metals |
— |
— |
— |
28 |
25,01 |
19,18 |
||||
(c) |
Other Metal Products |
— |
— |
— |
25 |
7,69 |
6,15 |
||||
12. Engineering |
— |
— |
— |
65 |
52,51 |
50,64 |
|||||
(a) |
Heavy Engineering |
— |
— |
— |
20 |
19,96 |
20,80 |
||||
(b) |
Light Engineering |
— |
— |
— |
14 |
1,76 |
1,69 |
||||
(c) |
Electrical Machinery & Goods |
— |
— |
— |
16 |
27,35 |
24,95 |
||||
(d) |
Electronic Machinery & Goods |
— |
— |
— |
15 |
3,43 |
3,21 |
||||
13. Vehicles, Vehicle Parts & Transport Equipments |
— |
— |
— |
26 |
57,74 |
48,22 |
|||||
14. Other Industries |
— |
— |
— |
163 |
139,98 |
94,05 |
|||||
15. Electricity, Gas & Water |
2 |
4 |
— |
7 |
14,57 |
8,10 |
|||||
(a) |
Electricity Generation & Transmission |
2 |
4 |
— |
7 |
14,57 |
8,10 |
||||
(b) |
Non-Conventional Energy |
— |
— |
— |
— |
— |
— |
||||
(c) |
Gas, Steam & Water Supply |
— |
— |
— |
— |
— |
— |
||||
16. Construction |
1 |
50 |
14 |
21 |
13,12 |
15,44 |
|||||
III. |
TRANSPORT OPERATORS |
1 |
2 |
1 |
66 |
204,10 |
201,68 |
||||
IV. |
PROFESSIONAL AND OTHER SERVICES |
— |
— |
— |
161 |
77,94 |
66,78 |
||||
V. |
PERSONAL LOANS |
18,868 |
711,92 |
641,81 |
2,620 |
169,77 |
145,10 |
||||
1. Loans for Purchase of Consumer Durables |
— |
— |
— |
— |
— |
— |
|||||
2. Loans for Housing |
17,894 |
683,66 |
615,08 |
1,992 |
153,39 |
132,26 |
|||||
3. Rest of the Personal Loans |
974 |
28,26 |
26,73 |
628 |
16,39 |
12,84 |
|||||
VI. |
TRADE |
— |
— |
— |
500 |
276,80 |
214,35 |
||||
1. Wholesale Trade |
— |
— |
— |
263 |
193,18 |
161,15 |
|||||
2. Retail Trade |
— |
— |
— |
237 |
83,62 |
53,20 |
|||||
VII. |
FINANCE |
18 |
18,05 |
15,87 |
166 |
90,81 |
86,88 |
||||
VIII. |
ALL OTHERS |
78 |
86,51 |
40,23 |
373 |
126,89 |
104,23 |
||||
|
|||||||||||
TOTAL LOANS AND ADVANCES |
18,972 |
824,88 |
704,30 |
5,406 |
2759,47 |
2162,77 |
|||||
OF WHICH : |
1. Artisans & Village Industries |
— |
— |
— |
16 |
2,43 |
2,44 |
||||
2. Other Small Scale Industries |
— |
— |
— |
553 |
307,04 |
242,44 |
|||||
|
|
|||||||||||
10% AND ABOVE BUT |
12% AND ABOVE BUT |
||||||||||
LESS THAN 12% |
LESS THAN 13% |
||||||||||
OCCUPATION |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|||||
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
||||||
7 |
8 |
9 |
10 |
11 |
12 |
||||||
|
|||||||||||
I. |
AGRICULTURE |
7,057 |
3226,12 |
2031,31 |
20,346 |
2940,11 |
2282,02 |
||||
1. Direct Finance |
5,671 |
586,26 |
458,03 |
18,402 |
840,52 |
707,62 |
|||||
2. Indirect Finance |
1,386 |
2639,86 |
1573,29 |
1,944 |
2099,60 |
1574,39 |
|||||
II. |
INDUSTRY |
16,290 |
32210,51 |
21326,34 |
14,286 |
39015,68 |
30206,86 |
||||
1. Mining & Quarrying |
384 |
967,32 |
415,44 |
308 |
4138,95 |
3105,37 |
|||||
2. Food Manufacturing & Processing |
1,162 |
2696,22 |
2011,46 |
1,270 |
1675,47 |
1182,93 |
|||||
(a) |
Rice Mills, Flour & Dal Mills |
323 |
882,21 |
759,84 |
534 |
671,49 |
461,87 |
||||
(b) |
Sugar |
26 |
212,23 |
144,47 |
82 |
311,78 |
205,35 |
||||
(c) |
Edible Oils & Vanaspati |
96 |
239,68 |
162,24 |
145 |
56,58 |
38,17 |
||||
(d) |
Tea Processing |
55 |
185,47 |
123,27 |
31 |
39,60 |
32,27 |
||||
(e) |
Processing of Fruits & Vegetables |
37 |
31,77 |
24,60 |
22 |
44,10 |
27,85 |
||||
(f) |
Others |
625 |
1144,85 |
797,04 |
456 |
551,92 |
417,42 |
||||
3. Beverage & Tobacco |
75 |
395,09 |
280,26 |
109 |
167,41 |
383,67 |
|||||
4. Textiles |
4,929 |
5596,35 |
4331,64 |
2,142 |
1994,17 |
1509,72 |
|||||
(a) |
Cotton Textiles |
1,237 |
2213,96 |
1700,34 |
578 |
872,71 |
647,51 |
||||
(b) |
Jute Textiles |
57 |
122,84 |
58,82 |
31 |
12,08 |
9,46 |
||||
(c) |
Handloom Textiles & Khadi |
135 |
204,96 |
315,40 |
175 |
40,81 |
25,67 |
||||
(d) |
Other Textiles |
3,500 |
3054,60 |
2257,08 |
1,358 |
1068,56 |
827,08 |
||||
5. Paper, Paper Products & Printing |
215 |
142,14 |
114,26 |
561 |
461,93 |
334,15 |
|||||
6. Leather & Leather Products |
994 |
689,72 |
559,54 |
194 |
120,89 |
110,05 |
|||||
7. Rubber & Rubber Products |
220 |
292,34 |
232,54 |
245 |
337,49 |
257,23 |
|||||
8. Chemicals & Chemical Products |
1,614 |
4528,25 |
2992,16 |
1,502 |
3666,55 |
2668,29 |
|||||
(a) |
Heavy Industrial Chemicals |
229 |
348,73 |
328,27 |
115 |
500,02 |
435,34 |
||||
(b) |
Fertilisers |
120 |
639,12 |
417,50 |
82 |
947,67 |
751,46 |
||||
(c) |
Drugs & Pharmaceuticals |
412 |
1382,66 |
749,72 |
420 |
785,24 |
469,94 |
||||
(d) |
Non-Edible Oils |
16 |
66,61 |
42,18 |
14 |
60,95 |
61,17 |
||||
(e) |
Other Chemicals & Chemical Products |
837 |
2091,13 |
1454,48 |
871 |
1372,67 |
950,39 |
||||
9. Petroleum, Coal Products & Nuclear Fuels |
149 |
1624,65 |
942,81 |
176 |
5468,90 |
4034,88 |
|||||
10. Manufacture of Cement & Cement Products |
101 |
474,52 |
340,41 |
210 |
1183,90 |
987,07 |
|||||
11. Basic Metals & Metal Products |
1,477 |
4505,19 |
1882,57 |
1,329 |
5090,16 |
4497,00 |
|||||
(a) |
Iron & Steel |
490 |
3625,05 |
1346,26 |
496 |
4221,87 |
3840,88 |
||||
(b) |
Non-Ferrous Metals |
180 |
312,94 |
155,57 |
111 |
236,93 |
186,77 |
||||
(c) |
Other Metal Products |
807 |
567,20 |
380,74 |
722 |
631,36 |
469,36 |
||||
12. Engineering |
1,350 |
3603,60 |
2480,75 |
1,776 |
4190,68 |
3009,43 |
|||||
(a) |
Heavy Engineering |
324 |
1387,11 |
949,35 |
366 |
1923,43 |
1290,66 |
||||
(b) |
Light Engineering |
382 |
490,53 |
341,67 |
667 |
719,11 |
594,66 |
||||
(c) |
Electrical Machinery & Goods |
351 |
866,24 |
687,63 |
475 |
1113,72 |
817,93 |
||||
(d) |
Electronic Machinery & Goods |
293 |
859,72 |
502,10 |
268 |
434,42 |
306,17 |
||||
13. Vehicles, Vehicle Parts & Transport Equipments |
473 |
1478,08 |
850,45 |
536 |
2104,29 |
1605,77 |
|||||
14. Other Industries |
2,578 |
3546,77 |
2668,25 |
3,084 |
3455,40 |
2555,06 |
|||||
15. Electricity, Gas & Water |
151 |
1080,91 |
837,17 |
178 |
4242,53 |
3386,14 |
|||||
(a) |
Electricity Generation & Transmission |
123 |
981,61 |
781,90 |
134 |
4045,51 |
3267,28 |
||||
(b) |
Non-Conventional Energy |
6 |
4,12 |
2,02 |
5 |
78,68 |
27,02 |
||||
(c) |
Gas, Steam & Water Supply |
22 |
95,18 |
53,26 |
39 |
118,34 |
91,84 |
||||
16. Construction |
418 |
589,37 |
386,62 |
666 |
716,96 |
580,10 |
|||||
III. |
TRANSPORT OPERATORS |
851 |
190,93 |
159,61 |
5,139 |
2419,91 |
2090,39 |
||||
IV. |
PROFESSIONAL AND OTHER SERVICES |
1,812 |
1128,51 |
797,57 |
4,245 |
2545,92 |
1999,21 |
||||
V. |
PERSONAL LOANS |
1,22,389 |
5240,08 |
4818,13 |
91,606 |
4611,22 |
4039,69 |
||||
1. Loans for Purchase of Consumer Durables |
632 |
20,73 |
19,05 |
610 |
20,69 |
16,45 |
|||||
2. Loans for Housing |
98,462 |
4218,16 |
4004,89 |
58,041 |
3108,36 |
2825,29 |
|||||
3. Rest of the Personal Loans |
23,295 |
1001,18 |
794,19 |
32,955 |
1482,18 |
1197,95 |
|||||
VI. |
TRADE |
10,403 |
33942,56 |
31750,58 |
13,844 |
14458,13 |
14232,76 |
||||
1. Wholesale Trade |
3,938 |
32115,32 |
30148,52 |
4,185 |
13226,89 |
13316,61 |
|||||
2. Retail Trade |
6,465 |
1827,25 |
1602,05 |
9,659 |
1231,24 |
916,15 |
|||||
VII. |
FINANCE |
871 |
3776,79 |
2706,22 |
1,776 |
11100,28 |
9393,57 |
||||
VIII. |
ALL OTHERS |
4,589 |
2647,35 |
2151,23 |
7,614 |
5411,95 |
4514,31 |
||||
|
|||||||||||
TOTAL LOANS AND ADVANCES |
1,64,262 |
82362,85 |
65740,99 |
1,58,856 |
82503,22 |
68758,80 |
|||||
OF WHICH : |
1. Artisans & Village Industries |
198 |
21,13 |
18,03 |
419 |
21,29 |
16,83 |
||||
2. Other Small Scale Industries |
5,647 |
3515,45 |
2732,29 |
5,562 |
1138,87 |
904,03 |
|||||
|
|
|||||||||||
13% AND ABOVE BUT |
14% AND ABOVE BUT |
||||||||||
LESS THAN 14% |
LESS THAN 15% |
||||||||||
OCCUPATION |
No. of |
Credit |
Amount |
No. of |
Credit |
Amount |
|||||
Accounts |
Limit |
Outstanding |
Accounts |
Limit |
Outstanding |
||||||
13 |
14 |
15 |
16 |
17 |
18 |
||||||
|
|||||||||||
I. |
AGRICULTURE |
38,829 |
2552,85 |
2151,26 |
78,817 |
4390,46 |
3464,18 |
||||
1. Direct Finance |
36,886 |
1322,57 |
1121,34 |
74,214 |
2745,22 |
2375,37 |
|||||
2. Indirect Finance |
1,943 |
1230,28 |
1029,92 |
4,603 |
1645,24 |
1088,80 |
|||||
II. |
INDUSTRY |
48,717 |
30081,44 |
21830,24 |
50,887 |
37259,44 |
28287,00 |
||||
1. Mining & Quarrying |
753 |
699,09 |
476,83 |
1,622 |
615,83 |
439,92 |
|||||
2. Food Manufacturing & Processing |
5,798 |
2321,49 |
1723,50 |
6,716 |
3246,25 |
2591,38 |
|||||
(a) |
Rice Mills, Flour & Dal Mills |
3,081 |
872,10 |
666,73 |
3,661 |
963,28 |
709,68 |
||||
(b) |
Sugar |
82 |
438,69 |
320,50 |
169 |
504,16 |
396,34 |
||||
(c) |
Edible Oils & Vanaspati |
667 |
224,89 |
167,05 |
785 |
461,24 |
468,49 |
||||
(d) |
Tea Processing |
128 |
238,54 |
183,11 |
213 |
310,55 |
271,15 |
||||
(e) |
Processing of Fruits & Vegetables |
71 |
33,28 |
33,20 |
139 |
53,23 |
46,50 |
||||
(f) |
Others |
1,769 |
513,99 |
352,92 |
1,749 |
953,79 |
699,21 |
||||
3. Beverage & Tobacco |
235 |
219,30 |
178,93 |
357 |
415,49 |
319,51 |
|||||
4. Textiles |
7,126 |
2930,90 |
2148,71 |
7,394 |
3705,93 |
3177,26 |
|||||
(a) |
Cotton Textiles |
2,003 |
942,01 |
717,33 |
2,398 |
1723,51 |
1485,59 |
||||
(b) |
Jute Textiles |
58 |
9,15 |
6,74 |
116 |
51,91 |
43,03 |
||||
(c) |
Handloom Textiles & Khadi |
657 |
55,26 |
46,51 |
513 |
57,79 |
50,45 |
||||
(d) |
Other Textiles |
4,408 |
1924,49 |
1378,13 |
4,367 |
1872,72 |
1598,19 |
||||
5. Paper, Paper Products & Printing |
2,362 |
725,68 |
626,05 |
2,249 |
933,26 |
733,67 |
|||||
6. Leather & Leather Products |
648 |
142,01 |
105,69 |
597 |
248,23 |
204,83 |
|||||
7. Rubber & Rubber Products |
999 |
392,36 |
295,98 |
908 |
895,99 |
463,29 |
|||||
8. Chemicals & Chemical Products |
5,650 |
4524,96 |
2913,71 |
5,464 |
5399,98 |
4223,37 |
|||||
(a) |
Heavy Industrial Chemicals |
325 |
655,48 |
285,33 |
510 |
788,01 |
623,20 |
||||
(b) |
Fertilisers |
167 |
1063,70 |
781,28 |
182 |
1188,84 |
1107,61 |
||||
(c) |
Drugs & Pharmaceuticals |
809 |
874,18 |
591,01 |
1,032 |
1430,52 |
860,90 |
||||
(d) |
Non-Edible Oils |
110 |
41,95 |
28,97 |
112 |
59,43 |
50,95 |
||||
(e) |
Other Chemicals & Chemical Products |
4,239 |
1889,66 |
1227,13 |
3,628 |
1933,18 |
1580,70 |
||||
9. Petroleum, Coal Products & Nuclear Fuels |
379 |
3674,77 |
2831,15 |
372 |
1655,45 |
1311,33 |
|||||
10. Manufacture of Cement & Cement Products |
571 |
962,49 |
783,37 |
509 |
758,19 |
648,63 |
|||||
11. Basic Metals & Metal Products |
6,036 |
3300,21 |
1997,96 |
5,206 |
4669,61 |
2732,42 |
|||||
(a) |
Iron & Steel |
1,199 |
2456,01 |
1367,80 |
1,948 |
3342,42 |
1766,87 |
||||
(b) |
Non-Ferrous Metals |
397 |
130,26 |
70,86 |
354 |
154,71 |
107,72 |
||||
(c) |
Other Metal Products |
4,440 |
713,94 |
559,30 |
2,904 |
1172,48 |
857,83 |
||||
12. Engineering |
5,090 |
3685,34 |
2616,08 |
5,542 |
4888,62 |
3687,02 |
|||||
(a) |
Heavy Engineering |
1,115 |
728,16 |
495,95 |
993 |
1316,91 |
948,87 |
||||
(b) |
Light Engineering |
1,236 |
948,83 |
672,06 |
1,925 |
884,06 |
681,06 |
||||
(c) |
Electrical Machinery & Goods |
1,923 |
1052,97 |
782,75 |
1,686 |
1625,59 |
1211,03 |
||||
(d) |
Electronic Machinery & Goods |
816 |
955,38 |
665,31 |
938 |
1062,07 |
846,05 |
||||
13. Vehicles, Vehicle Parts & Transport Equipments |
1,995 |
1280,62 |
932,18 |
2,070 |
1967,31 |
1611,61 |
|||||
14. Other Industries |
9,975 |
2577,06 |
1991,46 |
10,301 |
4064,79 |
3153,01 |
|||||
15. Electricity, Gas & Water |
331 |
1965,95 |
1642,44 |
490 |
2831,98 |
2216,72 |
|||||
(a) |
Electricity Generation & Transmission |
252 |
1790,66 |
1495,64 |
352 |
2734,16 |
2158,53 |
||||
(b) |
Non-Conventional Energy |
21 |
61,48 |
61,47 |
25 |
12,52 |
5,20 |
||||
(c) |
Gas, Steam & Water Supply |
58 |
113,81 |
85,33 |
113 |
85,30 |
52,99 |
||||
16. Construction |
769 |
679,20 |
566,20 |
1,090 |
962,52 |
773,03 |
|||||
III. |
TRANSPORT OPERATORS |
7,569 |
1332,44 |
1135,03 |
20,674 |
1084,06 |
797,21 |
||||
IV. |
PROFESSIONAL AND OTHER SERVICES |
7,376 |
2236,02 |
1616,40 |
13,481 |
2720,32 |
2161,17 |
||||
V. |
PERSONAL LOANS |
1,33,046 |
6254,48 |
5531,54 |
65,939 |
3117,39 |
2554,17 |
||||
1. Loans for Purchase of Consumer Durables |
1,320 |
44,27 |
38,30 |
4,136 |
131,68 |
108,19 |
|||||
2. Loans for Housing |
95,745 |
4526,28 |
4066,99 |
15,985 |
1146,08 |
957,73 |
|||||
3. Rest of the Personal Loans |
35,981 |
1683,94 |
1426,25 |
45,818 |
1839,63 |
1488,25 |
|||||
VI. |
TRADE |
23,069 |
3793,70 |
3012,05 |
45,072 |
7330,33 |
5862,63 |
||||
1. Wholesale Trade |
8,467 |
2350,36 |
1923,33 |
16,226 |
3140,62 |
2609,79 |
|||||
2. Retail Trade |
14,602 |
1443,34 |
1088,72 |
28,846 |
4189,71 |
3252,84 |
|||||
VII. |
FINANCE |
1,164 |
5683,77 |
4193,23 |
2,971 |
3425,79 |
2310,20 |
||||
VIII. |
ALL OTHERS |
10,033 |
3323,64 |
2653,39 |
13,124 |
4105,69 |
3223,68 |
||||
|
|||||||||||
TOTAL LOANS AND ADVANCES |
2,69,803 |
55258,34 |
42123,16 |
2,90,965 |
63433,47 |
48660,24 |
|||||
OF WHICH : |
1. Artisans & Village Industries |
759 |
52,19 |
42,23 |
1,143 |
71,66 |
58,74 |
||||
2. Other Small Scale Industries |
33,691 |
4270,24 |
3338,08 |
24,643 |
4829,34 |
3718,48 |
|||||
|
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