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Date : Nov 23, 1999

Appendix Table II.3: Region / State-wise Credit-Deposit Ratio and Investment Plus Credit–Deposit Ratio of Scheduled Commercial Banks

											(Per cent)
Sr.	Region / State /	Credit-Deposit Ratio							Investment+Credit Deposit Ratio @
No.	Union Territory	1996		1997		1998		1999	1996		1997
		As per	As per	As per	As per	As per	As per	As per	As per	As per	As per	As per
		Sanction	Utilisation	Sanction	Utilisation	Sanction	Utilisation	Sanction	Sanction	Utilisation	Sanction	Utilisation
1	2	3	4	5	6	7	8	9	10	11	12	13
1.	Northern Region	51.4	50.4	48.4	47.0	48.8	47.5	57.0	57.1	56.1	54.0	52.5
	Haryana	44.7	54.0	42.5	53.2	42.9	55.1	42.2	55.2	64.4	52.3	63.0
	Himachal Pradesh	24.2	29.1	21.2	23.7	21.4	25.3	22.0	36.1	41.0	32.0	34.5
	Jammu & Kashmir	28.6	28.7	25.7	26.0	37.7	35.7	38.7	41.4	41.4	36.6	37.0
	Punjab	41.0	43.3	38.3	40.3	36.5	38.9	38.7	46.2	48.4	43.9	46.0
	Rajasthan	45.4	45.3	46.7	50.2	47.2	51.7	45.1	65.1	65.0	65.7	69.2
	Chandigarh	63.9	61.0	55.7	55.7	57.9	56.2	83.8	63.9	61.0	55.7	55.7
	Delhi	62.3	57.0	58.6	51.0	58.2	50.7	73.6	62.7	57.3	58.9	51.3
2.	North-Eastern Region	35.5	41.1	32.1	36.1	30.4	33.5	28.0	58.0	63.6	52.9	56.8
	Arunachal Pradesh	12.8	24.6	12.4	17.6	13.3	16.8	14.1	19.8	31.6	18.4	23.7
	Assam	40.3	45.4	36.3	41.5	33.6	37.8	31.5	63.3	68.4	58.0	63.2
	Manipur	56.0	55.7	63.7	63.4	58.2	58.6	41.7	98.0	97.7	105.8	105.6
	Meghalaya	15.2	23.6	15.1	14.1	15.4	15.7	16.7	35.6	44.0	32.4	31.3
	Mizoram	15.9	23.5	13.8	14.7	23.2	25.2	20.6	26.3	33.9	23.8	24.7
	Nagaland	28.9	37.3	22.2	29.9	19.0	21.2	15.7	65.5	73.9	54.3	62.0
	Tripura	43.9	44.7	38.7	39.3	33.8	35.1	29.4	62.0	62.8	54.2	54.8
3.	Eastern Region	47.0	46.4	42.8	42.1	40.9	40.4	37.4	62.6	62.1	56.9	56.2
	Bihar	30.1	31.1	28.9	29.7	28.3	28.7	25.2	49.6	50.6	46.0	46.8
	Orissa	55.9	58.0	45.9	48.1	47.6	49.4	42.5	89.3	91.4	76.7	78.8
	Sikkim	21.1	22.3	17.4	18.1	21.3	18.0	20.0	107.7	108.9	34.4	35.1
	West Bengal	55.2	53.3	50.8	48.6	47.2	45.7	43.8	64.9	62.9	59.8	57.7
	Andaman & Nicobar Islands	16.9	17.8	13.7	15.4	15.1	16.5	16.6	16.9	17.8	13.7	15.4
4.	Central Region	40.0	42.0	37.5	40.7	35.8	39.2	33.0	55.0	57.0	51.3	54.4
	Madhya Pradesh	56.2	60.6	52.5	56.4	52.8	56.7	48.4	73.3	77.6	67.7	71.7
	Uttar Pradesh	33.8	35.0	31.9	34.7	29.5	32.7	27.2	48.1	49.2	45.1	47.9
5.	Western Region	72.2	71.4	67.2	66.2	66.5	65.0	65.9	76.7	75.9	71.3	70.4
	Goa	25.8	26.3	24.6	25.4	24.7	25.6	25.0	27.2	27.7	26.0	26.8
	Gujarat	52.9	56.9	48.2	52.3	49.0	53.8	48.9	61.2	65.2	55.5	59.7
	Maharashtra	79.6	77.3	74.4	71.8	73.4	69.8	72.8	83.2	80.9	77.7	75.1
	Dadra & Nagar Haveli	21.7	129.1	17.7	89.9	22.4	127.6	31.1	21.7	129.1	17.7	89.9
	Daman & Diu	23.9	48.6	20.1	45.1	21.3	69.9	17.6	23.9	48.6	20.1	45.1
6.	Southern Region	74.2	74.8	74.5	75.3	71.1	72.0	68.6	84.5	85.1	84.2	84.9
	Andhra Pradesh	79.4	81.2	76.2	77.4	71.1	72.4	68.5	93.1	94.9	88.7	90.0
	Karnataka	70.0	71.1	70.9	72.2	68.4	70.3	64.5	78.1	79.1	78.3	79.5
	Kerala	44.5	44.7	45.4	45.7	44.2	44.7	41.1	55.0	55.3	55.7	56.0
	Tamil Nadu	94.9	94.4	97.3	97.3	92.6	92.6	93.0	104.8	104.2	106.3	106.3
	Lakshadweep	15.5	17.3	8.3	9.4	7.8	9.8	7.7	15.5	17.3	8.3	9.4
	Pondicherry	40.3	50.2	39.6	53.0	36.5	48.3	33.8	40.3	50.3	39.6	53.0
	All India	59.8	59.8	56.8	56.8	55.3	55.3	55.5	69.0	69.0	65.4	65.4

Notes :	1.	@ State-wise investment figures pertain to investments by scheduled commercial banks in the respective States only. All India investment + credit-deposit (ICD) ratio is worked out by excluding investments in Central Government and other approved securities.
	2.	Deposits and Credit (as per place of sanction and utilisation) data for 1996, 1997 and 1998 are based on BSR-1 and 2 surveys as on 31st March.
	3.	The investment figures are based on BSR-5 survey as on 31st March.
	4.	Deposit and Credit (as per place of sanction) data for 1999 are based on BSR-7 surveys as on 31st March 1999.