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 ` 2 lakh and occupation-wise consolidated data for loan
accounts with credit limit up to ` 2 lakh are collected branch-wise. 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, 39th in the series, provides detailed data on Credit and Deposits of scheduled
commercial banks as on 31st March 2010. This volume covers nearly 87 thousand branches with
more than 11.8 crore credit accounts and 73.4 crore deposit accounts spread across more than
36 thousand centers. This publication provides detailed occupation-wise 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
Assistants Smt. S.S.Kulkarni, Smt. B.Tambat and Smt. A.Tilak. The support of other staff members
of this Division is acknowledged.
Shri. A.B. Chakraborty, Officer-in-charge, and Dr. Goutam Chatterjee, 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 ninth 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 2010. 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’ for the
Volume 29 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. The BSR-1 return has been recently
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 were:
-
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.
-
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).
-
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.
-
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.
-
Loans to RRBs have been grouped
separately for on-lending to agriculture
and allied activities and for other
purposes.
-
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.
-
A new ‘Category of Borrowers’, based
on the size of the borrowing unit, has
been introduced in place of ‘Nature of
Borrowal Account’.
-
A new parameter ‘Security pledged/
Guarantee Status for loans’ has been
introduced to capture the secured/
unsecured loans.
-
A flag to capture ‘Fixed / Floating rate of
interest on loans’ has also been included.
BSR-1 Part-B return 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 the years prior to 2008. Some new
sectors have also been incorporated in detailed
occupation-wise tables from March 2009
volume onwards.
3. BSR-1 relates to gross bank credit and
comprises term loans, cash credit, overdrafts,
bills purchased and discounted, bills
rediscounted under the 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. The BSR-1 return 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 ` 25,000. Consequent upon the
revision in the cut-off credit limit from March 1999 survey, BSR-1A return for scheduled
commercial banks other than Regional Rural
Banks, covers accounts with individual credit
limit of over ` 2 lakh. In the case of Regional
Rural Banks, the cut off limit then was ` 25,000.
The revision of cut off limit for classifying
accounts in BSR-1A has been made as ` 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 ` 2 lakh is obtained in consolidated form
for broad occupational categories. The BSR-
1B Return has two separate credit limit groups,
i.e., ‘up to ` 25,000’ and ‘over ` 25,000 to
` 2 lakh’. The information on small borrowal
accounts are obtained in BSR-1B return 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 inter-bank 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, and their percentage
distribution are presented in the Volume.
5. Out of the 86,960 offices of scheduled
commercial banks functioning as on the last day
of March 2010, BSR-1 return was received from
78,540 offices. BSR-2 return was received from
80,446 offices. In the case of non-reporting
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 2010.
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 the 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 return provides the identification
of the district and population group of the place
where the credit is utilised. However, in BSR-
1B return, such information is not being
collected. It is presumed that in respect of these
accounts of relatively smaller sizes, 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 ` 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 occupation-wise classification of small
borrowal accounts each with credit limit of
` 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, 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 ` 2 lakh.
Table 5.8 provides information on small
borrowal accounts having individual credit limit
of ` 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:
-
‘Rural’ group includes all centres with
population of less than 10,000‘
-
‘Semi-urban’ group includes centres with
population of 10,000 and above but less
than 1 lakh
-
‘Urban’ group includes centres with
population of 1 lakh and above but less
than 10 lakh
-
‘Metropolitan’ group includes centres
with population of 10 lakh and more.
10. Banks have been grouped as under:
-
State Bank of India and its Associates
-
Nationalised banks
-
Foreign banks
-
Regional rural banks
-
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 (till 2008 volume) referred to 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: March 23, 2011 |