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Date : Mar 03, 2019
Table 120: State-wise Credit Deposit Ratio of Scheduled Commercial Banks According to Place of Sanction
(As at end-March)
(Per cent)
Regions/States/Union Territories 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999
NORTHERN REGION 49 53.7 51.1 58 57.8 48.6 51.4 48.4 48.8 51.1
Haryana 60.5 85.2 55.3 55.3 47.9 45.5 44.7 42.5 42.9 43.3
Himachal Pradesh 36.2 38.6 34.9 31.8 22.4 26.0 24.2 21.2 21.4 22.7
Jammu and Kashmir 31.3 54.8 50.6 46 38.7 28.6 28.6 25.7 37.7 39.6
Punjab 44.1 45.1 42.7 41.8 39.6 41.4 41 38.3 36.5 38.8
Rajasthan 57.3 56.6 55.6 55.4 49.3 47.7 45.4 46.7 47.2 46
Chandigarh 67.8 82.9 74.2 49.5 64.1 89.9 63.9 55.7 57.9 85.1
Delhi 47.9 54.8 52.7 72.0 75.1 52.8 62.3 58.6 58.2 60
NORTH-EASTERN REGION 54.9 46.9 46.7 44.7 38.9 35.6 35.5 32.1 30.4 28.9
Arunachal Pradesh 37.7 28.1 22.3 18.0 14.1 12.4 12.8 12.4 13.3 14.6
Assam 58.5 49.7 50.3 49.3 41.3 38.7 40.3 36.3 33.6 32
Manipur 74.1 72.3 67.4 75.6 65.2 58.2 56 63.7 58.2 47.8
Meghalaya 19.4 22.1 21.2 17.8 17.4 17.0 15.2 15.1 15.4 18.1
Mizoram 37.6 27.5 25.3 24.8 24.5 16.5 15.9 13.8 23.2 20.8
Nagaland 31.7 43.9 43.4 40.1 42.1 37.8 28.9 22.2 19.0 15.9
Tripura 91.5 68.2 65.5 60.1 58.6 47.5 43.9 38.7 33.8 30.3
EASTERN REGION 53.3 49.9 49.5 50.5 44.1 47.1 47 42.8 40.9 38.2
Bihar 36.8 38.3 36.9 37.4 35.2 32.5 30.1 28.9 28.3 25.6
Jharkhand - - - - - - - - - -
Odisha 90.0 69.2 69.0 67.0 60.1 54.5 55.9 45.9 47.6 43.3
Sikkim 32.6 32.4 23.9 30.5 23.2 24 21.1 17.4 21.3 20.9
West Bengal 56.8 53.0 52.8 54.3 45.9 53.9 55.2 50.8 47.2 44.9
Andaman & Nicobar Islands 31.8 42.0 32.8 29.6 19.1 17.0 16.9 13.7 15.1 16.0
CENTRAL REGION 47.1 50.3 47.6 46.7 42.0 39.0 40.0 37.5 35.8 33.7
Chhattisgarh - - - - - - - - - -
Madhya Pradesh 66.1 64.7 61.0 60.9 55.0 49.6 56.2 52.5 52.8 48.8
Uttar Pradesh 40.0 44.8 42.5 41.5 37.2 35.1 33.8 31.9 29.5 28.0
Uttarakhand - - - - - - - - - -
WESTERN REGION 65.3 67.7 58.2 60.5 53.2 63.2 72.2 67.2 66.5 68.0
Goa 31.5 28.8 28.9 23.6 18.1 24.7 25.8 24.6 24.7 24.6
Gujarat 56.7 57.7 52.4 53.0 46.0 46.6 52.9 48.2 49.0 48.8
Maharashtra 69.4 72.3 60.7 63.7 56.4 69.5 79.6 74.4 73.4 75.8
Dadra & Nagar Haveli 56.2 52.9 41.9 28.6 21.3 16.3 21.7 17.7 22.4 22
Daman & Diu 21.9 24.0 21.5 16.9 14.1 16.7 23.9 20.1 21.3 18.7
SOUTHERN REGION 82.4 81.1 76.5 71.5 67.3 69.4 74.2 74.5 71.1 68.2
Andhra Pradesh 80.4 79.8 80.1 79.5 70.7 73.0 79.4 76.2 71.1 67.9
Karnataka 82.2 79.1 76.8 65.8 65.6 65.8 70.0 70.9 68.4 65.4
Kerala 63.1 59.1 51.7 46.5 44.0 44.8 44.5 45.4 44.2 41.7
Tamil Nadu 96.2 96.9 89.0 86.2 82.5 86.6 94.9 97.3 92.6 90.7
Lakshadweep 16.8 16.7 13.1 9.2 9.1 7.7 15.5 8.3 7.8 8.0
Puducherry 55.7 49.7 47.9 42.5 43.7 43.3 40.3 39.6 36.5 35.4
Telangana - - - - - - - - - -
ALL INDIA 60.7 61.9 57.7 58.9 54.3 55.6 59.8 56.8 55.3 54.8

TABLE 120: STATE-WISE CREDIT DEPOSIT RATIO OF SCHEDULED COMMERCIAL BANKS ACCORDING TO PLACE OF SANCTION
(As at end-March) (Contd.)
(Per cent)
Regions/States/Union Territories 2000 2001 2002 2003 2004 2005 2006 2007 2008
NORTHERN REGION 51.1 54.7 56.2 56 54.8 59.5 64.6 69.6 67.7
Haryana 42.4 41.0 43.7 44 47.6 51.4 57.4 56.9 60.1
Himachal Pradesh 23.8 21.3 23.4 24.8 29.7 36.3 41.0 42.8 43.4
Jammu and Kashmir 33.5 34.5 36.8 36.5 37.4 46.7 47.2 62.5 56.4
Punjab 39.4 41.1 41.8 41.5 43.1 50.1 56.8 65.6 67.2
Rajasthan 46.7 46.6 48.4 50.8 55.7 68.7 77.3 82.9 82.4
Chandigarh 82.0 99.4 102.8 109.7 105.3 88.9 76.8 95.9 96.2
Delhi 60.5 66.1 67.6 65.8 59.9 62.4 67.4 70.8 66.9
NORTH-EASTERN REGION 28.1 27.6 27.2 27.4 29.8 35 40.7 40.7 40.7
Arunachal Pradesh 15.7 14.5 15.8 16.6 16.1 22.0 26.5 28.0 31.7
Assam 32.0 32.1 31.7 29.3 31.8 35.3 42.6 42.8 42.4
Manipur 37.4 40.1 26.4 29.8 31.6 42.4 50.1 55.1 48.4
Meghalaya 16.3 17.1 18.3 29.0 34.6 43.6 48.1 35.7 33.2
Mizoram 23.3 24.1 26.4 27.5 34.8 47.8 51.2 53.8 62.9
Nagaland 15.3 12.4 12.8 13.2 15.0 22.9 22.3 29.1 34.0
Tripura 25.7 21.7 21.5 26.1 25.2 28.6 32.8 35.3 36.1
EASTERN REGION 37.0 36.7 37.6 39.6 41.8 45.5 49.2 54.1 51.5
Bihar 22.5 20.7 21.3 23.1 24.9 27.7 30.3 32.4 28.2
Jharkhand - 28.0 25.1 25.1 26.3 29.6 31.2 32.8 35.3
Odisha 41.5 40.2 44.5 48.2 53.7 61.8 66.0 64.6 56.3
Sikkim 15.1 14.4 16.0 17.1 22.4 29.5 45.3 52.8 46.8
West Bengal 45.5 44.5 45.8 47.9 49.5 52.3 56.3 64.7 62.4
Andaman & Nicobar Islands 16.8 16.3 18.5 20.3 26.1 26.8 29.0 27.7 30.7
CENTRAL REGION 33.9 32.7 33.9 33.3 35.6 40.8 44.2 47.4 46.1
Chhattisgarh - 38.5 44.0 35.1 40.0 43.6 45.5 50.0 49.8
Madhya Pradesh 49.1 47.6 46.6 46.6 46.9 54.7 60.5 61.8 60.1
Uttar Pradesh 28.2 28.3 29.9 30.6 33.1 37.9 41.0 45.1 43.7
Uttarakhand - 21.7 23.7 19.4 21.1 24.3 25.8 26.7 26.2
WESTERN REGION 75.4 75.5 79.7 81.0 72.0 83.5 92.0 90.1 88.6
Goa 23.8 26.1 25.3 24.2 21.7 25.1 23.2 26.2 29.4
Gujarat 49.0 48.5 44.1 44.8 42.2 46.5 55.6 63.7 66.5
Maharashtra 86.4 86.4 92.3 93.7 81.8 94.9 102.2 96.8 93.9
Dadra & Nagar Haveli 18.8 14.3 20.9 22.9 15.6 34.8 49.3 20.6 23.9
Daman & Diu 15.7 13.3 9.9 9.2 11.6 11.5 11.4 15.6 15
SOUTHERN REGION 66.2 66.6 64.6 66.3 68.5 78.1 84.4 87.0 89.1
Andhra Pradesh 64.2 64.5 61.9 62.4 65.9 74.8 81.3 87.3 90.4
Karnataka 63.3 61.0 61.6 62.3 63.1 73.8 75.9 76.3 78.1
Kerala 41.5 43.3 43.3 42.8 45.5 54.6 61.4 60.9 63.4
Tamil Nadu 88.6 90.6 85.4 90.7 93.1 101.2 110.5 114.5 114.7
Lakshadweep 7.5 10.4 7.9 4.6 8.0 9.7 11.5 10.2 7.5
Puducherry 33.6 33.5 32.3 32.0 34.5 38.3 45 47.9 49.7
Telengana - - - - - - - - -
ALL INDIA 56.0 56.7 58.4 59.2 58.2 66.0 72.4 75.0 74.4

TABLE 120: STATE-WISE CREDIT DEPOSIT RATIO OF SCHEDULED COMMERCIAL BANKS ACCORDING TO PLACE OF SANCTION
(As at end-March) (Concld.)
(Per cent)
Regions/States/Union Territories 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
NORTHERN REGION 68.9 74.4 82.5 87.7 88.8 90.6 88.5 83.6 75.0 78.1
Haryana 61.4 63.3 71.7 79.4 76.5 78.1 75.8 69.9 59.1 58.6
Himachal Pradesh 38.6 42.2 41.6 38.9 35.1 35.8 35.3 32.9 29.7 31.1
Jammu and Kashmir 47.2 46.4 38.1 33.8 36.9 40.1 42.2 44.2 39.8 42.9
Punjab 65.7 71.5 77.8 80.9 81.6 79.1 75.1 69.8 69.0 63.5
Rajasthan 80.6 88.4 90.4 90.9 92.6 87.1 86.2 72.4 67.8 76.6
Chandigarh 115.0 131.1 121.6 115.5 127.5 120 105.9 97.8 100.7 112.5
Delhi 68.9 74.6 86.8 95.6 97.7 103.7 102.6 100.4 88.3 94.1
NORTH-EASTERN REGION 36.0 35.5 33.8 34.4 33.6 34.8 34.5 38.4 36.8 39.3
Arunachal Pradesh 25.5 27.5 23.7 23.9 21.8 23.7 26.8 29.0 24 25
Assam 38.5 37.8 36.5 37.7 37.2 37.7 36.7 42.2 40.3 42.6
Manipur 36.0 42.1 34.8 31.3 28.6 33.6 34 41.1 38.7 44.6
Meghalaya 28.3 25.6 24.4 25.8 24 27.4 25.9 24.8 25.9 27.2
Mizoram 57.9 53.2 46.0 38.9 35.3 37.8 37.8 40.1 36.4 35.8
Nagaland 30.8 30.3 26.1 27.2 28.4 31.0 32.7 34.1 31.5 34.7
Tripura 30.7 30.7 32.2 31.3 32.8 32.4 33.7 35.3 35.9 40.7
EASTERN REGION 48.8 50.8 51.4 50.7 49.4 49.0 46.5 44.9 41.0 41.6
Bihar 26.8 29.0 29.5 29.7 30.5 32.8 33.6 33.4 30.9 32.2
Jharkhand 32.0 35.1 34.4 33.9 32.1 31.8 29.6 29.6 27.1 27.7
Odisha 50.8 54.4 52.5 47.3 46.3 44.6 41.9 40.8 38.1 37.6
Sikkim 41.6 37.2 37.9 33.1 27.2 26.5 25.6 28.0 27.4 26.6
West Bengal 60.7 61.5 63.7 63.8 62.0 61.6 57.8 55.1 50.3 51.1
Andaman & Nicobar Islands 31.7 36.5 38.1 38.5 38.6 39.1 40.1 44.2 38.5 39.4
CENTRAL REGION 44.3 47.3 46.7 47.2 47.6 48.8 48.3 49.3 46.0 47.9
Chhattisgarh 46.3 52.3 52.3 53.6 53.8 59.5 61.6 63.5 62.4 63.2
Madhya Pradesh 57.4 60.6 55.6 56.6 58.2 60.4 54.8 61.2 60.9 65.1
Uttar Pradesh 42.2 43.3 44.0 44.0 44.1 44.6 45.4 44.6 40.0 41.2
Uttarakhand 25.3 33.7 35.4 35.6 34.8 35.6 34.5 34.9 34.3 36.4
WESTERN REGION 85.6 79.1 79.5 87.0 85.5 86.0 87.1 96.0 96.2 98.3
Goa 26.7 26.5 29.1 28.1 28.8 28.7 26.7 27.1 25.7 26.7
Gujarat 63.7 65.3 66.2 70.4 72.8 74.7 72.7 75.4 68.9 75.6
Maharashtra 91.2 82.9 83.0 91.8 89.4 89.8 92.0 102.9 106.0 106.9
Dadra & Nagar Haveli 18.1 60.0 34.8 30.1 37.1 40.8 35.3 35.8 36.5 43.5
Daman & Diu 19.3 20.2 21.3 17.4 19.1 21.9 24.3 22.9 23.5 27.5
SOUTHERN REGION 87.9 92.7 94.5 95.5 97.1 94.9 89.9 89.3 84.2 90.5
Andhra Pradesh 96.4 105.1 109.7 111.3 112 111.3 105.3 106 101.1 112.6
Karnataka 77.3 77.6 72.7 71.4 71.9 71.0 67.7 70.1 67.0 69.7
Kerala 59.7 63.1 73.1 76.4 73.1 67.7 64.6 62.1 59.8 63.8
Tamil Nadu 108.1 113.8 115.1 116.9 123.3 121.8 119 113.7 105.8 113.5
Lakshadweep 5.4 7.3 8.7 9.7 9.9 8.6 9.1 10.5 8.4 8.3
Puducherry 51.4 57.2 62.7 71.5 83.3 77.9 71.5 67.1 63.9 63.8
Telengana - - - - - - 101.6 104.5 97.0 107.4
ALL INDIA 72.6 73.3 75.6 79.0 78.8 79.0 77.1 78.4 73.8 76.7
- : Nil/Not Applicable/Negligible.
Source: Basic Statistical Returns of Scheduled Commercial Banks in India, RBI, various issues.

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