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Date : Mar 03, 2019
Table 121: State-wise Credit Deposit Ratio of Scheduled Commercial Banks According to Place of Utilisation
(As at end-March)
(Per cent)
Regions/States/Union Territories 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999
NORTHERN REGION 47.6 52.4 49.3 56.7 56.6 47.5 50.4 47.0 47.5 49.4
Haryana 75.0 76.0 69.1 69.0 58.4 56.0 54.0 53.2 55.1 54.9
Himachal Pradesh 38.4 41.4 37.8 34.5 23.7 29.7 29.1 23.7 25.3 26.0
Jammu and Kashmir 33.5 55.1 51.1 46.7 39.4 28.4 28.7 26.0 35.7 37.2
Punjab 46.2 49.7 46.4 44.1 41.0 43.3 43.3 40.3 38.9 40.9
Rajasthan 61.5 60.5 59.3 60.2 52.1 51.0 45.3 50.2 51.7 49.3
Chandigarh 55.0 58.7 55.3 42.0 60.1 86.9 61.0 55.7 56.2 81.4
Delhi 40.4 46.6 44.1 63.7 69.2 46.5 57.0 51.0 50.7 52.7
NORTH-EASTERN REGION 70.0 60.9 66.3 64.0 50.0 45.9 41.1 36.1 33.5 33.7
Arunachal Pradesh 55.4 50.5 39.2 35.5 27.6 20.1 24.6 17.6 16.8 18.5
Assam 78.4 69.9 79.0 75.9 55.6 47.4 45.4 41.5 37.8 38.7
Manipur 77.5 71.3 66.9 75.1 65.8 58.9 55.7 63.4 58.6 47.8
Meghalaya 25.3 25.9 23.0 21.3 20.2 47.2 23.6 14.1 15.7 19.3
Mizoram 41.3 30.4 28.8 37.6 41.1 35.1 23.5 14.7 25.2 23.6
Nagaland 37.7 47.6 49.4 46.3 45.8 44.8 37.3 29.9 21.2 18.1
Tripura 92.3 60.7 60.6 61.8 60.6 48.5 44.7 39.3 35.1 31.1
EASTERN REGION 52.6 49.2 49.1 50.4 43.9 46.6 46.4 42.1 40.4 38.0
Bihar 39.0 39.5 38.5 40.9 37.0 33.8 31.1 29.7 28.7 27.4
Jharkhand - - - - - - - - - -
Odisha 92.5 72.3 71.1 69.5 62.1 55.9 58.0 48.1 49.4 44.2
Sikkim 44.6 32.6 24.6 31.2 23.7 24.9 22.3 18.1 18.0 18.8
West Bengal 53.9 50.7 51.0 52.1 44.4 52.0 53.3 48.6 45.7 43.4
Andaman & Nicobar Islands 33.1 45.9 35.7 29.9 19.2 17.1 17.8 15.4 16.5 22.3
CENTRAL REGION 49.8 52.8 50.2 49.7 44.3 41.2 42.0 40.7 39.2 36.8
Chhattisgarh - - - - - - - - - -
Madhya Pradesh 68.1 66.7 63.2 63.4 57.5 51.8 60.6 56.4 56.7 52.2
Uttar Pradesh 32.8 47.6 45.3 44.6 39.5 37.3 35.0 34.7 32.7 31.1
Uttarakhand - - - - - - - - - -
WESTERN REGION 63.7 66.1 56.5 58.5 52.2 62.4 71.4 66.2 65.0 67.0
Goa 32.8 31.1 29.9 24.4 19.0 25.5 26.3 25.4 25.6 26.3
Gujarat 63.2 62.7 57.3 57.9 49.3 49.6 56.9 52.3 53.8 54.2
Maharashtra 65.1 68.4 57.1 59.7 54.0 67.4 77.3 71.8 69.8 72.6
Dadra & Nagar Haveli 194.9 191.6 157.2 175.7 112.2 94.8 129.1 89.9 127.6 103.3
Daman & Diu 57.5 58.3 59.8 45.3 40.1 50.5 48.6 45.1 69.9 94.6
SOUTHERN REGION 83.2 82.1 77.7 72.3 67.9 69.9 74.8 75.3 72.0 68.7
Andhra Pradesh 82.0 81.1 81.1 80.8 71.8 74.6 81.2 77.4 72.4 69.1
Karnataka 84.6 81.1 80.5 67.3 66.4 65.1 71.1 72.2 70.3 66.7
Kerala 63.1 59.6 52.2 47.1 44.2 45.2 44.7 45.7 44.7 41.8
Tamil Nadu 95.4 97.2 89.1 86.2 82.7 86.8 94.4 97.3 92.6 90.3
Lakshadweep 19.2 17.0 13.4 9.4 9.1 9.7 17.3 9.4 9.8 9.6
Puducherry 61.8 59.3 54.2 48.7 49.4 50.4 50.2 53.0 48.3 41.4
Telangana - - - - - - - - - -
ALL INDIA 60.7 61.9 57.7 58.9 54.3 55.6 59.8 56.8 55.3 54.8

TABLE 121: STATE-WISE CREDIT DEPOSIT RATIO OF SCHEDULED COMMERCIAL BANKS ACCORDING TO PLACE OF UTILISATION
(As at end-March) (Contd.)
(Per cent)
Regions/States/Union Territories 2000 2001 2002 2003 2004 2005 2006 2007 2008
NORTHERN REGION 49.6 52.5 55.0 55.5 56.8 62.2 67.9 71.2 70.1
Haryana 53.4 54.0 55.0 58.3 59.6 63.2 69.6 68.4 67.2
Himachal Pradesh 26.8 25.7 32.5 37.7 42.7 50.9 53.0 51.1 51.3
Jammu and Kashmir 30.9 33.5 40.9 39.0 41.7 50.9 52.7 60.9 56.3
Punjab 40.9 42.3 43.9 43.4 45.7 49.7 56.3 65.3 76.1
Rajasthan 50.1 49.6 55.4 55.3 62.8 76.5 86.0 90.9 100.0
Chandigarh 79.5 99.3 102.3 107.6 107.0 97.0 85.8 101.1 95.8
Delhi 53.7 57.6 59.1 59.2 57.9 62.5 68.0 69.6 64.4
NORTH-EASTERN REGION 30.6 32.0 53.2 48.2 33.7 44.6 52.3 48.6 48.3
Arunachal Pradesh 22.3 22.1 27.4 22.1 25.2 30.0 41.6 46.0 57.7
Assam 35.5 38.1 70.3 61.6 35.7 41.9 49.1 52.5 49.8
Manipur 37.9 40.7 27.3 30.0 31.8 42.6 51.8 55.6 50.3
Meghalaya 16.3 17.3 24.3 31.8 42.6 85.7 113.9 41.2 41.1
Mizoram 26.0 29.0 36.2 30.5 39.7 59.1 53.7 58.4 65.5
Nagaland 15.6 13.6 18.1 13.3 15.2 23.2 23.2 31.9 43.9
Tripura 25.7 21.7 21.6 23.7 24.7 29.0 33.9 36.2 36.8
EASTERN REGION 37.2 36.6 41.4 42.8 45.2 50.4 55.6 60.6 58.2
Bihar 23.2 20.7 21.9 23.7 26.9 31.4 40.0 49.0 45.0
Jharkhand - 30.6 31.0 30.9 26.9 30.6 31.6 33.3 40.2
Odisha 42.8 41.6 51.4 56.9 58.6 74.7 78.7 72.6 62.4
Sikkim 15.2 14.5 22.5 19.3 23.0 29.3 44.8 51.2 53.7
West Bengal 44.9 43.4 49.2 50.0 53.8 56.8 61.4 68.4 65.8
Andaman & Nicobar Islands 27.6 27.5 57.2 49.7 42.2 43.8 49.2 56.6 75.0
CENTRAL REGION 36.8 36.9 38.4 38.6 39.9 45.8 50.0 52.3 54.6
Chhattisgarh - 49.9 54.2 43.8 44.9 49.9 52.5 58.3 66.0
Madhya Pradesh 52.5 52.5 50.3 51.7 50.1 61.2 67.2 64.6 65.9
Uttar Pradesh 30.9 31.9 34.3 36.0 38.0 42.2 46.3 50.4 52.6
Uttarakhand - 23.9 26.0 21.4 23.4 29.1 30.9 32.1 31.6
WESTERN REGION 74.6 74.8 71.3 71.5 63.2 71.8 78.9 77.3 76.0
Goa 25.4 27.3 28.2 27.8 27.3 30.3 27.6 30.0 33.6
Gujarat 53.5 53.6 54.7 56.0 54.8 60.9 75.3 88.4 97.8
Maharashtra 83.4 83.5 77.5 77.4 66.5 75.9 81.3 76.5 73.1
Dadra & Nagar Haveli 135.6 135.2 189.0 168.7 118.8 110.8 136.7 116.4 121.9
Daman & Diu 87.6 75.3 79.4 66.1 49.8 48.3 45.7 57.1 58.2
SOUTHERN REGION 66.8 66.8 68.9 71.2 72.7 83.9 90.8 96.6 96.8
Andhra Pradesh 65.5 64.9 67.7 69.3 70.9 83.3 86.2 91.2 97.2
Karnataka 65.5 61.8 68.9 71.1 69.0 80.5 93.4 99.8 94.3
Kerala 41.7 42.3 43.7 43.6 47.8 57.5 64.3 63.8 66.4
Tamil Nadu 87.5 90.6 88.5 93.1 96.1 105.4 109.3 118.6 117.0
Lakshadweep 9.1 11.8 9.6 5.9 10.0 23.7 41.6 24.7 14.9
Puducherry 38.7 35.8 39.2 39.6 42.6 43.9 48.7 51.5 50.1
Telengana - - - - - - - - -
ALL INDIA 56.0 56.7 58.4 59.2 58.2 66.0 72.4 75.0 74.4

TABLE 121: STATE-WISE CREDIT DEPOSIT RATIO OF SCHEDULED COMMERCIAL BANKS ACCORDING TO PLACE OF UTILISATION
(As at end-March) (Concld.)
(Per cent)
Regions/States/Union Territories 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
NORTHERN REGION 71.1 74.9 83.4 89.6 89.5 93.6 91.8 87.4 79.1 81.9
Haryana 74.0 76.1 85.6 94.5 86.0 88.5 85.2 82.6 69.1 67.6
Himachal Pradesh 47.1 51.0 48.6 45.0 41.6 37.8 36.6 33.6 31.1 31.8
Jammu and Kashmir 47.3 47.8 35.7 34.1 37.2 40.4 42.5 44.7 40.4 43.6
Punjab 65.5 73.0 92.9 83.2 78.9 81.3 76.8 71.7 71.2 68.3
Rajasthan 87.5 96.6 95.8 96.1 102.9 91.4 90.1 76.3 71.6 80.7
Chandigarh 119.9 133.7 119.8 114.5 123.1 122.4 110.2 100.0 103.5 115.4
Delhi 68.8 70.6 80.8 93.8 94.9 105.1 105.0 102.9 91.9 96.3
NORTH-EASTERN REGION 39.2 39.1 36.3 37.8 35.3 36.6 35.2 39.3 38.2 41.0
Arunachal Pradesh 33.9 34.4 27.4 28.4 38.4 24.8 29.1 29.1 25.1 30.3
Assam 41.5 40.5 38.9 40.3 37.2 39.9 37.2 43.4 42.1 44.0
Manipur 37.1 44.8 36.6 33.2 30.2 34.0 34.5 42.3 39.7 45.1
Meghalaya 34.6 32.7 29.6 28.2 24.6 28.6 26.9 25.2 26.3 30.8
Mizoram 60.2 57.7 49.8 41.9 38.7 40.5 39.9 41.7 37.8 38.2
Nagaland 31.6 40.2 27.5 47.6 33.5 32.5 34.1 34.7 33.1 34.8
Tripura 31.5 31.6 33.2 31.7 35.7 32.5 34.0 35.9 36.5 41.4
EASTERN REGION 50.8 53.5 53.3 52.5 52.2 51.1 48.4 46.8 43.0 44.1
Bihar 26.6 29.7 31.6 31.7 35.0 34.8 34.3 34.5 32.0 34.0
Jharkhand 35.7 36.8 35.6 34.3 35.8 33.0 30.6 30.7 29.1 30.6
Odisha 55.7 58.1 55.7 50.6 50.9 46.2 43.9 43.3 40.5 40.5
Sikkim 53.7 49.5 62.4 57.9 37.5 37.3 37.0 35.2 31.6 29.7
West Bengal 62.2 64.8 65.1 65.1 63.3 63.9 60.3 57.3 52.5 53.8
Andaman & Nicobar Islands 38.1 41.1 39.1 41.6 38.9 38.5 39.3 43.6 42.4 42.7
CENTRAL REGION 48.7 51.0 50.9 50.7 53.6 51.8 51.3 53.2 48.7 50.5
Chhattisgarh 52.3 55.1 56.1 56.1 61.0 61.5 63.4 66.3 65.0 65.9
Madhya Pradesh 61.9 63.7 60.1 60.7 57.4 63.3 57.6 63.5 63.4 67.7
Uttar Pradesh 46.5 47.4 48.2 47.4 53.0 48.0 48.9 49.6 43.0 43.9
Uttarakhand 28.6 38.2 39.1 39.0 37.3 36.7 35.2 35.8 35.3 37.8
WESTERN REGION 77.0 74.7 74.1 80.7 79.9 80.3 80.9 88.3 88.5 90.0
Goa 26.6 27.9 31.1 30.1 29.5 30.2 28.2 29.0 27.6 28.1
Gujarat 74.6 75.2 74.4 78.1 81.5 81.0 79.0 82.4 75.2 82.2
Maharashtra 78.7 75.8 75.0 82.5 80.8 81.3 82.7 91.4 94.0 94.1
Dadra & Nagar Haveli 87.7 92.9 56.2 60.5 60.3 52.9 36.2 40.2 41.5 53.8
Daman & Diu 49.1 44.7 43.8 33.8 34.2 34.0 33.6 29.2 35.3 32.8
SOUTHERN REGION 94.1 94.8 98.3 99.3 99.3 97.4 92.4 92.1 86.6 93.2
Andhra Pradesh 104.9 109.7 114.9 119.8 116.0 115.9 108.3 109.6 104.4 114.1
Karnataka 82.8 80.4 76.3 74.7 76.5 76.5 72.6 75.4 71.2 75.7
Kerala 61.7 64.5 73.8 75.7 74.0 67.8 65.4 63.0 61.2 65.5
Tamil Nadu 115.2 113.5 119.4 119.5 122.2 120.6 117.5 112.4 103.8 110.8
Lakshadweep 7.5 7.7 8.8 9.6 9.9 8.6 9.1 10.5 8.4 7.1
Puducherry 55.8 59.2 63.7 69.9 80.4 80.8 74.4 69.4 66.3 66.8
Telengana - - - - - - 107.8 111.5 103.6 115.1
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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