“Basic Statistical Returns of Scheduled Commercial Banks in India”, provides granular data on different dimensions of deposits and credit of the banking sector. The information is collected from bank branches through Basic Statistical Returns 1 & 2 (BSR 1& 2), annually. Under BSR 1, account level data for loan accounts with credit limit more than `200 thousand and occupation-wise consolidated data for loan accounts with credit limit up to `200 thousand (small borrowal accounts) are collected branch-wise. The parameters for account level information are occupation/activity and organizational sector of the borrower, type of account, interest rate, credit limit and amount outstanding. Under BSR 2, branch-wise data on type of deposits, maturity pattern of term deposits as well as number of employees are collected. Such information is aggregated at population group, bank group and state level in this publication. A unique feature of this publication is that it covers spatial distribution of credit in terms of place of sanction and place of utilization. The present volume, 40th in the series, provides data of scheduled commercial banks as on 31st March 2011. A set of important tables are now being released in Bank’s website. The hardcopy of the publication along with the CD version containing more detailed information will be released in due course. Salient Features -
At the end of March 2011, gross outstanding credit of scheduled commercial banks amounted to `40,756,470 million registering an increase of 21.8 per cent as against an increase of 17.5 per cent in the previous year. -
Aggregate deposits amounted to `53,895,513 million registering a growth of 18.2 per cent in 2011 as against 16.3 per cent a year ago. -
The number of borrowal accounts increased by 1.8 per cent to 121 million in 2011 from 119 million in 2010. -
The number of deposit accounts in 2011 increased by 10.2 per cent to 810 million from 735 million in March 2010. -
Small borrowal accounts (with credit limit up to `200 thousand each) comprising 84.6 per cent of total number of accounts (86.5 per cent in 2010) had a share of 9.5 per cent in outstanding credit (10.8 per cent in 2010). -
The distribution of outstanding credit according to interest rate ranges for accounts each with credit limit of over ` 200 thousand indicates that the proportion of outstanding amount was the highest at 28.3 per cent in the interest rate range of 10–12 per cent followed closely by interest rate range of 6–10 per cent with a share of 26.1 per cent. -
The weighted average interest rate in respect of all loans and advances with credit limit of over `200 thousand worked out to be 11.4 per cent as at the end of March 2011 as compared with 10.5 per cent in the previous year. -
The share of term deposits in total deposits reduced marginally to 60.4 per cent in 2011 from 60.8 per cent in 2010. The shares of current deposits and saving deposits were at 12.4 per cent and 27.2 per cent respectively in 2011 as against 12.2 per cent and 27.0 per cent respectively in 2010. -
The weighted average interest rate on term deposits worked out to 8.3 per cent in 2011 as compared with 7.0 per cent as at end-March 2010. Ajit Prasad
Assistant General Manager Press Release : 2011-2012/1919 | |