FOREWORD
The publication, ';Basic Statistical Returns of Scheduled Commercial Banks in India';, provides
granular data on a number of key parameters of banks. The information is collected from
bank branches through Basic Statistical Returns 1 & 2 (BSR 1&2). Under BSR 1, account
level data for loan accounts with credit limit more than Rs. 2 lakh and occupation-wise
consolidated data for loan accounts with credit limit upto Rs. 2 lakh are collected branchwise.
Under BSR 2, branch-wise data related to parameters such as staff, type of deposits
and maturity pattern of term deposits are collected. The data through BSR 1&2 are being
collected since 1972.
The present volume, 38th in the series, provides detailed data on Credit and Deposits of
scheduled commercial banks as on 31st March 2009. This Volume covers nearly 82
thousand branches with more than 11 crore credit accounts and 66 crore deposit accounts
spread across more than 36 thousand centres. This publication provides detailed occupationwise
credit data on different dimensions viz. type of account, organisation, interest rate range
and size of credit limit. It also provides information on population group, bank group, state
and district-wise credit data according to type of occupation. One unique feature of this
publication is that it covers spatial distribution of both, credit sanctioned and credit utilised.
The publication is also made available in CD-ROM and through RBI website.
The voluminous work relating to this publication has been undertaken in the Banking
Statistics Division of the Department of Statistics and Information Management, Reserve
Bank of India. The core team headed by Shri. S.Bose, Director, involved in the process of
bringing out this publication comprised Shri. S.Gangadaran, Assistant Adviser, Shri. S.Sarkar,
Research Officer and Shri. S.A.Aiwale and Smt. S.S.Surve, Assistant Managers. The team
was ably assisted by Special Assistant Smt. S.S.Kulkarni and Senior Assistants Smt.
B.Tambat and Smt. A.Tilak. The support of other staff members of this Division is
acknowledged.
Dr. A.M.Pedgaonkar, Principal Adviser and Dr. Balwant Singh, Adviser, provided necessary
guidance in bringing out the publication with an emphasis on quality of information.
I trust, as in the past, the current Volume would prove to be a valuable source of information
on the banking sector in India.
Deepak Mohanty
Executive Director
INTRODUCTION
This Volume, thirty eighth in the series,
presents comprehensive data on deposits
and credit of scheduled commercial banks
and the information on number of employees
of these banks, as on 31st March 2009. The
data are collected through the annual
statistical surveys, Basic Statistical Returns
(BSR) -1 & 2, from the offices of scheduled
commercial banks in India including Regional
Rural Banks. The earlier title of the
publication, i.e. ‘Banking Statistics’ has been
changed to ‘Basic Statistical Returns of
Scheduled Commercial Banks in India’ from
Volume 29 issue relating to March 2000. This
has been done with a view to highlight the
source and the nature of the data published
in the Volume and also to indicate the basic
distinction between the banking statistics
presented in another publication of the Bank,
viz., ‘Statistical Tables Relating to Banks in
India’, which is based on data collected
through various statutory returns and other
statistical returns. Information on other
publications of the Bank on Banking
Statistics is given in the Appendix.
2. BSR-1 has been revised with effect
from March 2008 Survey in line with policy
changes, developments in the banking sector
and also with a view to have uniform coding
system for occupation/ activity classification
as per the National Industrial Classification
(NIC), 2004 . The significant features of the
revision are:
a. The Kisan Credit Cards, General Credit
Cards and Other Credit Cards have
been included as the Type of Accounts
along with the existing Personal Credit
Cards.
b. The Organisation codes of the borrower
have been restructured. Financial
and Non- Financial organisations have
been separately defined under Public,
Private and Cooperative Sectors.
Separate codes have been included for
Self Help Groups (SHGs)/Micro-Finance
Institutions (MFIs).
c. The Occupation/ Activity codes have
been reorganised. ‘Personal Loans’ has
been divided into two separate groups;
Staff Loans and Other than Staff Loans.
Repair and maintenance services have
been grouped in separate division.
d. The Indirect Finance to Agriculture has
been re-structured as per the latest
RPCD circulars Nos. RPCD.Plan.BC.84/
04.09.01/2006-07 dated 30-04-2007 and
RPCD.Plan.BC.42/04.09.01/2007-08
dated 12-12-2007.New codes have
been introduced to capture data on
Indirect Finance to Housing and Small
Enterprises sectors. New occupations
have been included for diversified
activities of SHGs/ MFIs.
e. Loans to RRBs have been grouped
separately for on-lending to agriculture
and allied activities and for other
purposes.
f. Classification of loans to Non-Banking
Financial Companies (NBFCs) have
been done based upon on-lending to
agriculture and allied activities, small
and micro enterprises, housing sector,
educational purposes and other
general purposes.
g. A new ‘Category of Borrowers’, based
on the size of the borrowing unit has
been introduced in place of ‘Nature of
Borrowal Account’.
h. A new parameter ‘Security pledged/
Guarantee Status for loans’ has been
introduced to capture the secured/
unsecured loans.
i. A flag to capture ‘Fixed / Floating rate
of interest on loans’ has also been
included.
BSR-1 Part-B has also been revised. In view
of the change in the occupation/ activity
coding system of BSR-1A, new 3-digit BSR-
1B item codes have been introduced in
place of 2-digit codes, which include a few
new items too. However, data for all these
revised items have not been included in this
publication.
The data presented in some of the tables in
this Volume are not strictly comparable with
those of years prior to 2008.
Some new sectors have also been
incorporated in detailed occupation-wise
tables in this Volume.
3. BSR-1 relates to gross bank credit and
comprises term loans, cash credit, overdrafts,
bills purchased and discounted, bills
rediscounted under the New Bill Market
Scheme and also dues from banks, whereas,
the bank credit data, based on returns under
Section 42(2) of the RBI Act, 1934, is
exclusive of dues from banks and bills
rediscounted under the New Bill Market
Scheme. BSR-1 is divided into two parts -
Part A and Part B (termed as BSR-1A and
BSR-1B). Till 1998, the BSR-1A return
covered accounts with individual credit limit of
over Rs. 25,000. Consequent upon the
revision in the cut-off credit limit from March 1999 survey, BSR-1A for scheduled
commercial banks other than Regional Rural
Banks, covered accounts with individual credit
limit of over Rs. 2 lakh. In the case of
Regional Rural Banks, the cut off limit then
was Rs. 25,000. The revision of cut off limit
for classifying accounts in BSR-1A has been
made as Rs. 2 lakh for Regional Rural Banks
also from March 2002 onwards. In BSR-1A,
information in respect of each of the borrowal
accounts is collected on various
characteristics, such as place (district and
population group) of utilisation of credit, type
of account, type of organisation, occupational
category, category of borrower code, secured/
unsecured loan code, fixed / floating rate of
interest flag, rate of interest, credit limit and
amount outstanding. In BSR-1B, information in
respect of accounts with individual credit limit
upto Rs.2 lakh is obtained in consolidated
form for broad occupational categories. The
BSR-1B has two separate credit limit size
groups, i.e., ‘up to Rs. 25,000’ and ‘over
Rs.25,000 to Rs. 2 lakh’. The information on
small borrowal accounts are obtained in BSR-
1B from all scheduled commercial banks
(including regional rural banks).
4. In BSR-2, each bank office submits
information on deposits with their break-up
into current, savings and term deposits.
Information on deposit accounts of females is
given separately. Information of term deposits
according to different maturity periods is also
furnished in this return. In addition, BSR-2
provides information on staff strength,
classified according to gender and category
(i.e. officers, clerical and subordinates), in
individual bank offices, as on the reference
date of the returns. Deposits exclude interbank
deposits. Current deposits comprise
(i) deposits subject to withdrawal on demand
(other than savings deposits) or on notice of
less than 14 days, or term deposits with a maturity period of less than 7 days (ii) call
deposits withdrawable not later than 14 days;
(iii) unclaimed deposits; (iv) overdue fixed
deposits; (v) credit balance in cash credit and
overdraft accounts and (vi) contingency
unadjusted account if in the nature of
deposits. Savings deposits are deposits
accepted by banks under their savings bank
deposit rules. Term deposits are deposits with
a fixed maturity of not less than 7 days and
above or subject to notice of not less than 14
days. These would also include (a) deposits
payable after 14 days notice; (b) cash
certificates; (c) cumulative or recurring
deposits; (d) Kuri & Chit deposits and (e)
special deposits in the nature of term
deposits. Conceptually, the deposits data in
BSR-2 and the aggregate deposits in Section
42(2) return are the same. In BSR-2, bank
branches also give classification of term
deposits according to broad interest rate
ranges as well as size of deposits. Based on
these data, tables giving percentage
distribution of term deposits according to
interest rate range and size of deposits are
presented in the Volume. The data on
residual maturity of term deposits, introduced
in March 2003, are collected through Part-V
of this return in respect of computerised
branches of scheduled commercial banks,
except regional rural banks and their
percentage distribution are presented in the
Volume.
5. Out of the 81,802 offices of scheduled
commercial banks functioning as on the last
day of March 2009, BSR-1 was received
from 77,972 offices. BSR-2 was received
from 79,105 offices. In the case of nonreporting
offices the data have been
estimated based on the previous round of
the survey and from the available information
in the Quarterly Return on Aggregate Deposits and Gross Bank Credit (BSR-7) as
of 31st March 2009.
Outline of the Volume
6. This Volume is divided into five
Sections disseminating the data on deposits
and credit of scheduled commercial banks
with reference to various classificatory
characteristics. Section 1 presents general
information on commercial banking and also
the summary data on deposits and credit at
All-India level and state level. Section 2
gives State / District-wise distribution of
deposits and outstanding credit classified
according to population groups and bank
groups. Data on distribution of deposits by
type of deposits are presented in Section 3.
Classification of outstanding credit according
to different characteristics such as size of
credit limit, rate of interest, type of
organisation, type of account, bank group,
state and population group, etc., are given in
Section 4. In Section 5, these data are
further classified according to occupation of
the borrower. District and occupation-wise
distribution of outstanding credit is also given
in Section 5.
7. BSR-1A provides the identification of
the district and population group of the place
where the credit is utilised. However, in
BSR-1B, such information is not being
collected. It is presumed that in respect of
these accounts, the credit is utilised in the
same place where it has been sanctioned.
State and population group-wise data on
credit given in Sections 4 and 5 are based
on place of utilisation of credit, whereas in
Section 2, these are based on place of
sanction of credit. In Section 1, data on
credit when presented with deposits (Tables
1.3, 1.4 and 1.5) are as per place of
sanction and when presented separately (Tables 1.10 and 1.11), they are based on
place of utilisation. Tables 1.6 to 1.8 present
the data on credit according to both, the
place of sanction and the place of utilisation,
so as to facilitate comparison. A listing of
tables on credit, which are based on place
of sanction / utilisation, is also given in the
‘Notes on Tables’.
Explanatory Notes
8. Brief explanatory notes on some of the
tables presented in various Sections of this
Volume are given below:
In Section 1, Table 1.1 presents the
progress of commercial banking at a glance,
based on data collected from different
sources as per details given in the ‘Notes on
Tables’. Table 1.9 presents classification of
outstanding credit according to detailed
occupations. Tables 1.13, 1.14 and 1.15
provide truncated distributions of outstanding
credit of scheduled commercial banks
according to interest rate range, type of
account and organisation, respectively, for
accounts having individual credit limit above
Rs.2 lakh. Table 1.16 gives percentage
distribution of small borrowal accounts
according to broad category of borrowers
into ‘individuals’ & ‘others’ and gender-wise
classification of individual borrowers. Table
1.17 gives population group and occupationwise
classification of small borrowal accounts
each with credit limit of Rs. 2 lakh and less.
Tables 1.21 to 1.23 give the information on
deposits of scheduled commercial banks
according to broad ownership category.
Tables 1.24 to 1.26 give (original) maturity
pattern of term deposits according to broad
ownership category, population group and
bank group, respectively. Table 1.27
presents the percentage distribution of the
term deposits of scheduled commercial banks, except regional rural banks, as per
the residual maturity period. Table 1.28 gives
interest rate range-wise percentage
distribution of term deposits. Table 1.29
presents the percentage distribution of the
term deposits of scheduled commercial
banks as per the size of deposits. Tables
3.4 to 3.5 give (original) maturity pattern of
term deposits according to broad ownership
category with population group and state.
Tables 4.1 to 4.6 in Section 4 and Tables
5.1 to 5.3 in Section 5 provide truncated
distribution according to different
characteristics of outstanding credit of
scheduled commercial banks, for accounts
having individual credit limit above Rs. 2
lakh. Table 5.8 provides information on small
borrowal accounts having individual credit
limit of Rs. 2 lakh and less.
9. Population groups of the banked
centres presented in this Volume are based
on the 2001 census. As such, the population
group-wise data presented in the tables in
this Volume are not strictly comparable with
those of the years prior to 2006. The
population groups are defined as follows:
i. ‘Rural’ group includes all centres with
population of less than 10,000
ii. ‘Semi-urban’ group includes centres
with population of 10,000 and above
but less than 1 lakh
iii. ‘Urban’ group includes centres with
population of 1 lakh and above but less
than 10 lakh
iv. ‘Metropolitan’ group includes centres
with population of 10 lakh and more.
10. Banks have been grouped as under:
(i) State Bank of India and its Associates
(ii) Nationalised banks
(iii) Foreign banks
(iv) Regional rural banks
(v) Private sector banks.
11. The bank group, ‘Nationalised Banks’,
also includes the data of IDBI Ltd.
12. ‘Private sector banks’ refer to Indian old
and new private sector banks, which was
previously referred as ‘Other scheduled
commercial banks’.
13. Significant features relating to credit and
deposits of Scheduled Commercial Banks
based on information in various tables in this
Volume are covered in the Highlights.
14. The totals given in the tables may not
exactly tally with the sum of the constituent
items on account of rounding off of the
figures. The unit one lakh is equal to 1,00,000. The symbol ‘–’ indicates ‘nil’ or
‘negligible’ throughout this Volume. Figures in
brackets indicate percentages to respective
total. Notes on tables as appropriate to each
table are given at the end of the Volume.
15. This Volume is prepared in the Banking
Statistics Division of the Department of
Statistics and Information Management.
RESERVE BANK OF INDIA
DEPARTMENT OF STATISTICS AND
INFORMATION MANAGEMENT
C-8/9, BANDRA-KURLA COMPLEX
POST BOX No. 8128,
BANDRA (EAST)
MUMBAI - 400 051.
Dated: April 05, 2010
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