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Date : Nov 19, 2022

Table 145: State-wise Credit-Deposit Ratio of Scheduled Commercial Banks According to Place of Utilisation

(As at End-March) (Per cent) Region/State/Union Territory 2004 2005 2006 2007 2008 2009 2010 2011 2012 NORTHERN REGION 56.8 62.2 67.9 71.2 70.1 71.1 74.9 83.4 89.6 Haryana 59.6 63.2 69.6 68.4 67.2 74.0 76.1 85.6 94.5 Himachal Pradesh 42.7 50.9 53.0 51.1 51.3 47.1 51.0 48.6 45.0 Jammu & Kashmir 41.7 50.9 52.7 60.9 56.3 47.3 47.8 35.7 34.1 Punjab 45.7 49.7 56.3 65.3 76.1 65.5 73.0 92.9 83.2 Rajasthan 62.8 76.5 86.0 90.9 100.0 87.5 96.6 95.8 96.1 Chandigarh 107.0 97.0 85.8 101.1 95.8 119.9 133.7 119.8 114.5 Delhi 57.9 62.5 68.0 69.6 64.4 68.8 70.6 80.8 93.8 Ladakh - - - - - - - - - NORTH-EASTERN REGION 33.7 44.6 52.3 48.6 48.3 39.2 39.1 36.3 37.8 Arunachal Pradesh 25.2 30.0 41.6 46.0 57.7 33.9 34.4 27.4 28.4 Assam 35.7 41.9 49.1 52.5 49.8 41.5 40.5 38.9 40.3 Manipur 31.8 42.6 51.8 55.6 50.3 37.1 44.8 36.6 33.2 Meghalaya 42.6 85.7 113.9 41.2 41.1 34.6 32.7 29.6 28.2 Mizoram 39.7 59.1 53.7 58.4 65.5 60.2 57.7 49.8 41.9 Nagaland 15.2 23.2 23.2 31.9 43.9 31.6 40.2 27.5 47.6 Tripura 24.7 29.0 33.9 36.2 36.8 31.5 31.6 33.2 31.7 EASTERN REGION 45.2 50.4 55.6 60.6 58.2 50.8 53.5 53.3 52.5 Bihar 26.9 31.4 40.0 49.0 45.0 26.6 29.7 31.6 31.7 Jharkhand 26.9 30.6 31.6 33.3 40.2 35.7 36.8 35.6 34.3 Odisha 58.6 74.7 78.7 72.6 62.4 55.7 58.1 55.7 50.6 Sikkim 23.0 29.3 44.8 51.2 53.7 53.7 49.5 62.4 57.9 West Bengal 53.8 56.8 61.4 68.4 65.8 62.2 64.8 65.1 65.1 Andaman & Nicobar Islands 42.2 43.8 49.2 56.6 75.0 38.1 41.1 39.1 41.6 CENTRAL REGION 39.9 45.8 50.0 52.3 54.6 48.7 51.0 50.9 50.7 Chhattisgarh 44.9 49.9 52.5 58.3 66.0 52.3 55.1 56.1 56.1 Madhya Pradesh 50.1 61.2 67.2 64.6 65.9 61.9 63.7 60.1 60.7 Uttar Pradesh 38.0 42.2 46.3 50.4 52.6 46.5 47.4 48.2 47.4 Uttarakhand 23.4 29.1 30.9 32.1 31.6 28.6 38.2 39.1 39.0 WESTERN REGION 63.2 71.8 78.9 77.3 76.0 77.0 74.7 74.1 80.7 Goa 27.3 30.3 27.6 30.0 33.6 26.6 27.9 31.1 30.1 Gujarat 54.8 60.9 75.3 88.4 97.8 74.6 75.2 74.4 78.1 Maharashtra 66.5 75.9 81.3 76.5 73.1 78.7 75.8 75.0 82.5 Dadra & Nagar Haveli 118.8 110.8 136.7 116.4 121.9 87.7 92.9 56.2 60.5 Daman & Diu 49.8 48.3 45.7 57.1 58.2 49.1 44.7 43.8 33.8 SOUTHERN REGION 72.7 83.9 90.8 96.6 96.8 94.1 94.8 98.3 99.3 Andhra Pradesh 70.9 83.3 86.2 91.2 97.2 104.9 109.7 114.9 119.8 Karnataka 69.0 80.5 93.4 99.8 94.3 82.8 80.4 76.3 74.7 Kerala 47.8 57.5 64.3 63.8 66.4 61.7 64.5 73.8 75.7 Tamil Nadu 96.1 105.4 109.3 118.6 117.0 115.2 113.5 119.4 119.5 Lakshadweep 10.0 23.7 41.6 24.7 14.9 7.5 7.7 8.8 9.6 Puducherry 42.6 43.9 48.7 51.5 50.1 55.8 59.2 63.7 69.9 Telangana - - - - - - - - - ALL INDIA 58.2 66.0 72.4 75.0 74.4 72.6 73.3 75.6 79.0 TABLE 145: STATE-WISE CREDIT-DEPOSIT RATIO OF SCHEDULED COMMERCIAL BANKS ACCORDING TO PLACE OF UTILISATION (Concld.) (As at End-March) (Per cent) Region/State/Union Territory 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 NORTHERN REGION 89.5 93.6 91.8 87.4 79.1 81.9 87.1 85.7 78.2 77.7 Haryana 86.0 88.5 85.2 82.6 69.1 67.6 68.0 64.8 59.8 60.7 Himachal Pradesh 41.6 37.8 36.6 33.6 31.1 31.8 31.8 31.2 32.0 33.1 Jammu & Kashmir 37.2 40.4 42.5 44.7 40.4 43.6 46.0 46.2 48.9 52.2 Punjab 78.9 81.3 76.8 71.7 71.2 68.3 62.2 59.4 57.4 56.5 Rajasthan 102.9 91.4 90.1 76.3 71.6 80.7 85.8 83.9 81.9 83.4 Chandigarh 123.1 122.4 110.2 100.0 103.5 115.4 114.1 107.5 99.4 91.4 Delhi 94.9 105.1 105.0 102.9 91.9 96.3 108.6 110.7 96.6 95.6 Ladakh - - - - - - - 36.6 35.4 36.9 NORTH-EASTERN REGION 35.3 36.6 35.2 39.3 38.2 41.0 41.9 42.2 46.1 46.4 Arunachal Pradesh 38.4 24.8 29.1 29.1 25.1 30.3 23.2 25.3 30.2 25.1 Assam 37.2 39.9 37.2 43.4 42.1 44.0 45.8 44.4 48.1 50.7 Manipur 30.2 34.0 34.5 42.3 39.7 45.1 49.8 59.1 60.1 66.3 Meghalaya 24.6 28.6 26.9 25.2 26.3 30.8 31.0 35.5 37.9 32.3 Mizoram 38.7 40.5 39.9 41.7 37.8 38.2 41.5 36.8 42.2 45.7 Nagaland 33.5 32.5 34.1 34.7 33.1 34.8 35.7 37.9 57.3 43.8 Tripura 35.7 32.5 34.0 35.9 36.5 41.4 42.1 42.8 42.6 43.3 EASTERN REGION 52.2 51.1 48.4 46.8 43.0 44.1 43.3 44.0 43.9 44.7 Bihar 35.0 34.8 34.3 34.5 32.0 34.0 35.4 37.2 41.2 44.2 Jharkhand 35.8 33.0 30.6 30.7 29.1 30.6 28.9 30.4 31.5 32.6 Odisha 50.9 46.2 43.9 43.3 40.5 40.5 41.2 42.2 42.9 43.5 Sikkim 37.5 37.3 37.0 35.2 31.6 29.7 30.3 31.7 36.3 41.8 West Bengal 63.3 63.9 60.3 57.3 52.5 53.8 51.9 51.8 49.2 49.0 Andaman & Nicobar Islands 38.9 38.5 39.3 43.6 42.4 42.7 42.1 44.1 46.5 51.1 CENTRAL REGION 53.6 51.8 51.3 53.2 48.7 50.5 52.1 51.6 51.3 53.1 Chhattisgarh 61.0 61.5 63.4 66.3 65.0 65.9 66.2 65.2 66.8 70.0 Madhya Pradesh 57.4 63.3 57.6 63.5 63.4 67.7 71.0 72.1 70.7 70.4 Uttar Pradesh 53.0 48.0 48.9 49.6 43.0 43.9 45.2 44.3 44.2 46.4 Uttarakhand 37.3 36.7 35.2 35.8 35.3 37.8 38.7 37.8 36.7 37.5 WESTERN REGION 79.9 80.3 80.9 88.3 88.5 90.0 90.4 86.7 78.1 77.5 Goa 29.5 30.2 28.2 29.0 27.6 28.1 27.3 26.3 25.8 25.9 Gujarat 81.5 81.0 79.0 82.4 75.2 82.2 87.6 82.8 79.5 81.7 Maharashtra 80.8 81.3 82.7 91.4 94.0 94.1 93.0 89.4 79.2 77.8 Dadra & Nagar Haveli 60.3 52.9 36.2 40.2 41.5 53.8 67.8 64.7 52.4 51.2 Daman & Diu 34.2 34.0 33.6 29.2 35.3 32.8 29.5 - - - SOUTHERN REGION 99.3 97.4 92.4 92.1 86.6 93.2 94.2 91.6 86.3 87.6 Andhra Pradesh 116.0 115.9 108.3 109.6 104.4 114.1 124.3 128.9 135.2 142.7 Karnataka 76.5 76.5 72.6 75.4 71.2 75.7 75.1 69.9 63.2 64.3 Kerala 74.0 67.8 65.4 63.0 61.2 65.5 67.5 66.2 64.0 63.3 Tamil Nadu 122.2 120.6 117.5 112.4 103.8 110.8 111.6 109.2 103.8 103.7 Lakshadweep 9.9 8.6 9.1 10.5 8.4 7.1 8.2 8.7 7.9 9.6 Puducherry 80.4 80.8 74.4 69.4 66.3 66.8 69.4 66.5 67.2 65.8 Telangana - - 107.8 111.5 103.6 115.1 113.1 110.5 99.3 103.4 ALL INDIA 78.8 79.0 77.1 78.4 73.8 76.7 78.3 76.5 71.7 72.1 -: Nil/Not Applicable/Negligible. Note: Since 2020 figures for Dadra & Nagar Haveli include Daman & Diu as well. Source: Basic Statistical Returns of Scheduled Commercial Banks in India, RBI, various issues.