Table 16 : All India Debt and Invest Survey
Distribution of Cash Loans Outstanding as on 30-6-2002 by Credit Agencies among Assets Holding Classes
Urban- Relatives and Friends (Amount in Rs. crore)
		Asset Holding Class ( Rs. 000)
State/Region		0-15	15-30	30-60	60-100	100-150	150-200	200-300	300-450	450-800	=> 800	All hhs
1		2	3	4	5	6	7	8	9	10	11	12
Northern Region		22	6	42	28	37	20	106	95	157	97	610
Haryana		1	1	36	12	11	1	66	10	14	25	176
Himachal Pradesh		0	0	0	1	0	0	0	0	1	0	2
Jammu and Kashmir		0	0	0	0	0	1	0	1	0	2	4
Punjab		10	1	4	10	21	9	8	59	44	52	219
Rajasthan		6	4	2	2	5	10	18	24	93	13	178
Delhi		4	0	0	3	0	0	14	0	4	5	31
North-Eastern Region		1	0	1	0	3	2	1	0	1	0	10
Assam		1	0	1	0	3	2	1	0	1	0	10
Eastern Region		37	13	22	39	37	10	39	127	50	181	555
Bihar		3	2	2	4	2	1	9	20	7	2	51
Jharkhand		3	1	1	0	4	0	0	0	0	13	22
Orissa		1	1	6	2	2	0	8	2	1	1	24
West Bengal		30	9	13	32	31	9	21	105	42	165	458
Central Region		38	23	73	70	72	57	189	52	197	50	822
Chattisgarh		0	0	2	6	5	7	3	1	11	0	36
Madhya Pradesh		3	2	33	16	10	7	72	6	105	7	263
Uttranchal		0	5	0	1	1	0	0	0	3	0	12
Uttar Pradesh		34	16	38	46	55	44	114	45	77	43	512
Western Region		62	53	58	115	141	140	94	152	448	215	1475
Gujarat		44	8	38	70	79	92	53	77	85	144	689
Maharashtra		18	46	20	45	62	48	41	76	363	71	787
Southern Region		86	113	82	115	67	63	151	289	224	259	1445
Andhra Pradesh		52	32	40	6	21	10	33	46	127	121	484
Karnataka		2	3	3	15	11	13	6	117	19	4	194
Kerala		1	3	5	26	6	20	48	48	35	86	278
Tamil Nadu		30	75	33	67	29	20	64	78	43	50	489
All-India		247	209	281	369	360	295	585	722	1081	796	4965
Percentage Distribution of Cash loans Outstanding to All India Total of Each Asset Holding Classes
Northern Region		8.7	3.0	14.9	7.7	10.4	6.8	18.2	13.1	14.5	12.2	12.3
Haryana		0.4	0.5	12.8	3.3	3.0	0.2	11.2	1.4	1.3	3.1	3.5
Himachal Pradesh		0.0	0.0	0.0	0.2	0.0	0.0	0.0	0.0	0.1	0.0	0.0
Jammu and Kashmir		0.0	0.0	0.0	0.1	0.0	0.3	0.0	0.1	0.0	0.2	0.1
Punjab		4.0	0.5	1.4	2.8	5.9	3.0	1.4	8.2	4.1	6.5	4.4
Rajasthan		2.6	1.9	0.6	0.4	1.5	3.3	3.1	3.3	8.6	1.7	3.6
Delhi		1.7	0.0	0.0	0.8	0.0	0.0	2.4	0.0	0.4	0.7	0.6
North-Eastern Region		0.5	0.0	0.5	0.1	0.7	0.6	0.2	0.0	0.1	0.0	0.2
Assam		0.5	0.0	0.5	0.1	0.7	0.6	0.2	0.0	0.1	0.0	0.2
Eastern Region		14.8	6.0	7.7	10.5	10.3	3.4	6.6	17.5	4.6	22.7	11.2
Bihar		1.1	0.9	0.8	1.0	0.4	0.3	1.6	2.7	0.7	0.2	1.0
Jharkhand		1.1	0.4	0.3	0.1	1.0	0.1	0.0	0.0	0.0	1.7	0.4
Orissa		0.3	0.5	2.0	0.7	0.4	0.1	1.4	0.2	0.1	0.1	0.5
West Bengal		12.3	4.3	4.6	8.8	8.5	2.9	3.6	14.6	3.9	20.8	9.2
Central Region		15.3	11.2	25.8	18.9	20.1	19.5	32.3	7.2	18.2	6.3	16.6
Chattisgarh		0.1	0.1	0.6	1.6	1.4	2.2	0.5	0.2	1.1	0.0	0.7
Madhya Pradesh		1.3	1.1	11.7	4.5	2.8	2.5	12.3	0.8	9.7	0.9	5.3
Uttranchal		0.1	2.5	0.1	0.3	0.4	0.0	0.1	0.0	0.3	0.0	0.2
Uttar Pradesh		13.8	7.5	13.5	12.6	15.4	14.8	19.5	6.2	7.2	5.4	10.3
Western Region		24.9	25.5	20.7	31.3	39.2	47.5	16.1	21.1	41.5	27.0	29.7
Gujarat		17.8	3.7	13.6	19.1	21.9	31.2	9.1	10.6	7.9	18.1	13.9
Maharashtra		7.2	21.9	7.0	12.1	17.3	16.3	7.0	10.5	33.6	9.0	15.9
Southern Region		34.7	53.9	29.1	31.1	18.5	21.4	25.9	40.0	20.7	32.6	29.1
Andhra Pradesh		21.2	15.2	14.4	1.6	5.8	3.3	5.7	6.3	11.8	15.2	9.8
Karnataka		1.0	1.4	1.2	4.1	3.2	4.6	1.0	16.3	1.7	0.4	3.9
Kerala		0.2	1.5	1.7	7.1	1.6	6.7	8.2	6.6	3.3	10.8	5.6
Tamil Nadu		12.2	35.8	11.8	18.3	8.0	6.9	11.0	10.8	3.9	6.2	9.8
All-India		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
Percentage Distribution of Cash loans Outstanding to Individual State Total Cash loan Outstanding by AHC
Northern Region		3.5	1.0	6.9	4.6	6.1	3.3	17.4	15.6	25.7	15.9	100.0
Haryana		0.6	0.6	20.5	7.0	6.1	0.3	37.4	5.9	7.8	14.1	100.0
Himachal Pradesh		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Jammu and Kashmir		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Punjab		4.6	0.5	1.8	4.8	9.7	4.1	3.8	27.2	20.2	23.6	100.0
Rajasthan		3.6	2.3	1.0	0.9	3.1	5.4	10.1	13.5	52.4	7.5	100.0
Delhi		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
North-Eastern Region		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Assam		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Eastern Region		6.6	2.3	3.9	7.0	6.7	1.8	7.0	22.8	9.0	32.6	100.0
Bihar		5.2	3.6	4.5	7.2	3.0	2.0	18.4	38.6	13.9	3.5	100.0
Jharkhand		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Orissa		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
West Bengal		6.6	1.9	2.8	7.1	6.7	1.9	4.6	22.9	9.2	36.1	100.0
Central Region		4.6	2.8	8.8	8.5	8.8	7.0	23.0	6.3	23.9	6.1	100.0
Chattisgarh		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Madhya Pradesh		1.2	0.8	12.5	6.2	3.9	2.8	27.4	2.3	40.0	2.6	100.0
Uttranchal		1.7	43.7	1.9	7.9	12.1	0.5	2.6	2.8	24.7	2.3	100.0
Uttar Pradesh		6.7	3.1	7.4	9.0	10.8	8.5	22.3	8.7	15.1	8.4	100.0
Western Region		4.2	3.6	3.9	7.8	9.6	9.5	6.4	10.3	30.4	14.6	100.0
Gujarat		6.4	1.1	5.6	10.2	11.5	13.3	7.7	11.1	12.4	20.9	100.0
Maharashtra		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Southern Region		5.9	7.8	5.7	7.9	4.6	4.4	10.5	20.0	15.5	17.9	100.0
Andhra Pradesh		10.8	6.6	8.4	1.2	4.3	2.0	6.9	9.4	26.3	24.9	100.0
Karnataka		1.2	1.5	1.7	7.8	5.9	6.9	2.9	60.4	9.7	1.8	100.0
Kerala		0.2	1.1	1.7	9.4	2.0	7.1	17.4	17.2	12.6	30.8	100.0
Tamil Nadu		6.2	15.3	6.8	13.8	5.9	4.1	13.1	16.0	8.7	10.2	100.0
All-India		5.0	4.2	5.7	7.4	7.3	5.9	11.8	14.5	21.8	16.0	100.0
Note: ' 0 ' means negligible
Source: NSSO (2005), Household Indebtedness in India as on 30-06-2002, All India Debt and Investment Survey , 59th Round (jan-Dec 2003),
Report No.501 (59/18.2/2) (prepared from Table 10, pages A-188 to A-230)