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Date : Dec 11, 2025

Table 154: 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 2013 2014 NORTHERN REGION 56.8 62.2 67.9 71.2 70.1 71.1 74.9 83.4 89.6 89.5 93.6 Chandigarh 107.0 97.0 85.8 101.1 95.8 119.9 133.7 119.8 114.5 123.1 122.4 Delhi 57.9 62.5 68.0 69.6 64.4 68.8 70.6 80.8 93.8 94.9 105.1 Haryana 59.6 63.2 69.6 68.4 67.2 74.0 76.1 85.6 94.5 86.0 88.5 Himachal Pradesh 42.7 50.9 53.0 51.1 51.3 47.1 51.0 48.6 45.0 41.6 37.8 Jammu & Kashmir 41.7 50.9 52.7 60.9 56.3 47.3 47.8 35.7 34.1 37.2 40.4 Ladakh - - - - - - - - - - - Punjab 45.7 49.7 56.3 65.3 76.1 65.5 73.0 92.9 83.2 78.9 81.3 Rajasthan 62.8 76.5 86.0 90.9 100.0 87.5 96.6 95.8 96.1 102.9 91.4 NORTH-EASTERN REGION 33.7 44.6 52.3 48.6 48.3 39.2 39.1 36.3 37.8 35.3 36.6 Arunachal Pradesh 25.2 30.0 41.6 46.0 57.7 33.9 34.4 27.4 28.4 38.4 24.8 Assam 35.7 41.9 49.1 52.5 49.8 41.5 40.5 38.9 40.3 37.2 39.9 Manipur 31.8 42.6 51.8 55.6 50.3 37.1 44.8 36.6 33.2 30.2 34.0 Meghalaya 42.6 85.7 113.9 41.2 41.1 34.6 32.7 29.6 28.2 24.6 28.6 Mizoram 39.7 59.1 53.7 58.4 65.5 60.2 57.7 49.8 41.9 38.7 40.5 Nagaland 15.2 23.2 23.2 31.9 43.9 31.6 40.2 27.5 47.6 33.5 32.5 Tripura 24.7 29.0 33.9 36.2 36.8 31.5 31.6 33.2 31.7 35.7 32.5 EASTERN REGION 45.2 50.4 55.6 60.6 58.2 50.8 53.5 53.3 52.5 52.2 51.1 Andaman & Nicobar Islands 42.2 43.8 49.2 56.6 75.0 38.1 41.1 39.1 41.6 38.9 38.5 Bihar 26.9 31.4 40.0 49.0 45.0 26.6 29.7 31.6 31.7 35.0 34.8 Jharkhand 26.9 30.6 31.6 33.3 40.2 35.7 36.8 35.6 34.3 35.8 33.0 Odisha 58.6 74.7 78.7 72.6 62.4 55.7 58.1 55.7 50.6 50.9 46.2 Sikkim 23.0 29.3 44.8 51.2 53.7 53.7 49.5 62.4 57.9 37.5 37.3 West Bengal 53.8 56.8 61.4 68.4 65.8 62.2 64.8 65.1 65.1 63.3 63.9 CENTRAL REGION 39.9 45.8 50.0 52.3 54.6 48.7 51.0 50.9 50.7 53.6 51.8 Chhattisgarh 44.9 49.9 52.5 58.3 66.0 52.3 55.1 56.1 56.1 61.0 61.5 Madhya Pradesh 50.1 61.2 67.2 64.6 65.9 61.9 63.7 60.1 60.7 57.4 63.3 Uttarakhand 23.4 29.1 30.9 32.1 31.6 28.6 38.2 39.1 39.0 37.3 36.7 Uttar Pradesh 38.0 42.2 46.3 50.4 52.6 46.5 47.4 48.2 47.4 53.0 48.0 WESTERN REGION 63.2 71.8 78.9 77.3 76.0 77.0 74.7 74.1 80.7 79.9 80.3 Dadra & Nagar Haveli* 118.8 110.8 136.7 116.4 121.9 87.7 92.9 56.2 60.5 60.3 52.9 Daman & Diu 49.8 48.3 45.7 57.1 58.2 49.1 44.7 43.8 33.8 34.2 34.0 Goa 27.3 30.3 27.6 30.0 33.6 26.6 27.9 31.1 30.1 29.5 30.2 Gujarat 54.8 60.9 75.3 88.4 97.8 74.6 75.2 74.4 78.1 81.5 81.0 Maharashtra 66.5 75.9 81.3 76.5 73.1 78.7 75.8 75.0 82.5 80.8 81.3 SOUTHERN REGION 72.7 83.9 90.8 96.6 96.8 94.1 94.8 98.3 99.3 99.3 97.4 Andhra Pradesh 70.9 83.3 86.2 91.2 97.2 104.9 109.7 114.9 119.8 116.0 115.9 Karnataka 69.0 80.5 93.4 99.8 94.3 82.8 80.4 76.3 74.7 76.5 76.5 Kerala 47.8 57.5 64.3 63.8 66.4 61.7 64.5 73.8 75.7 74.0 67.8 Lakshadweep 10.0 23.7 41.6 24.7 14.9 7.5 7.7 8.8 9.6 9.9 8.6 Puducherry 42.6 43.9 48.7 51.5 50.1 55.8 59.2 63.7 69.9 80.4 80.8 Tamil Nadu 96.1 105.4 109.3 118.6 117.0 115.2 113.5 119.4 119.5 122.2 120.6 Telangana - - - - - - - - - - - ALL INDIA 58.2 66.0 72.4 75.0 74.4 72.6 73.3 75.6 79.0 78.8 79.0 TABLE 154: 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 NORTHERN REGION 91.8 87.4 79.1 81.9 87.1 85.7 78.2 77.7 77.5 80.5 80.0 Chandigarh 110.2 100.0 103.5 115.4 114.1 107.5 99.4 91.4 77.9 75.9 75.0 Delhi 105.0 102.9 91.9 96.3 108.6 110.7 96.6 95.6 92.6 91.8 88.1 Haryana 85.2 82.6 69.1 67.6 68.0 64.8 59.8 60.7 64.6 73.8 76.2 Himachal Pradesh 36.6 33.6 31.1 31.8 31.8 31.2 32.0 33.1 34.2 36.8 39.2 Jammu & Kashmir 42.5 44.7 40.4 43.6 46.0 46.2 48.9 52.2 56.6 59.5 60.6 Ladakh - - - - - 36.6 35.4 36.9 41.6 45.0 44.2 Punjab 76.8 71.7 71.2 68.3 62.2 59.4 57.4 56.5 56.2 60.9 61.3 Rajasthan 90.1 76.3 71.6 80.7 85.8 83.9 81.9 83.4 86.6 91.8 94.2 NORTH-EASTERN REGION 35.2 39.3 38.2 41.0 41.9 42.2 46.1 46.4 50.0 55.1 58.0 Arunachal Pradesh 29.1 29.1 25.1 30.3 23.2 25.3 30.2 25.1 28.2 31.1 32.2 Assam 37.2 43.4 42.1 44.0 45.8 44.4 48.1 50.7 54.2 60.6 66.0 Manipur 34.5 42.3 39.7 45.1 49.8 59.1 60.1 66.3 76.2 77.5 79.7 Meghalaya 26.9 25.2 26.3 30.8 31.0 35.5 37.9 32.3 38.0 41.6 40.7 Mizoram 39.9 41.7 37.8 38.2 41.5 36.8 42.2 45.7 47.4 51.1 51.8 Nagaland 34.1 34.7 33.1 34.8 35.7 37.9 57.3 43.8 50.1 52.8 53.5 Tripura 34.0 35.9 36.5 41.4 42.1 42.8 42.6 43.3 42.6 46.9 45.4 EASTERN REGION 48.4 46.8 43.0 44.1 43.3 44.0 43.9 44.7 47.5 50.5 51.7 Andaman & Nicobar Islands 39.3 43.6 42.4 42.7 42.1 44.1 46.5 51.1 52.0 53.3 52.5 Bihar 34.3 34.5 32.0 34.0 35.4 37.2 41.2 44.2 48.5 52.8 53.5 Jharkhand 30.6 30.7 29.1 30.6 28.9 30.4 31.5 32.6 36.0 38.9 41.1 Odisha 43.9 43.3 40.5 40.5 41.2 42.2 42.9 43.5 46.7 51.0 51.0 Sikkim 37.0 35.2 31.6 29.7 30.3 31.7 36.3 41.8 43.4 44.6 43.8 West Bengal 60.3 57.3 52.5 53.8 51.8 51.8 49.2 49.0 50.7 52.6 54.3 CENTRAL REGION 51.3 53.2 48.7 50.5 52.1 51.6 51.3 53.1 56.1 60.1 61.7 Chhattisgarh 63.4 66.3 65.0 65.9 66.2 65.2 66.8 70.0 76.4 79.3 83.2 Madhya Pradesh 57.6 63.5 63.4 67.7 71.0 72.1 70.7 70.4 75.2 79.2 81.7 Uttarakhand 35.2 35.8 35.3 37.8 38.7 37.8 36.7 37.5 38.5 42.5 43.5 Uttar Pradesh 48.9 49.6 43.0 43.9 45.2 44.3 44.2 46.4 48.8 53.0 54.0 WESTERN REGION 80.9 88.3 88.5 90.0 90.5 86.7 78.1 77.5 82.8 84.5 85.1 Dadra & Nagar Haveli* 36.2 40.2 41.5 53.8 67.8 64.7 52.4 51.2 52.6 50.0 52.1 Daman & Diu 33.6 29.2 35.3 32.8 29.5 - - - - -   Goa 28.2 29.0 27.6 28.1 27.3 26.3 25.8 25.9 26.5 28.1 28.6 Gujarat 79.0 82.4 75.2 82.2 87.6 82.8 79.5 81.7 80.6 83.2 88.4 Maharashtra 82.7 91.4 94.0 94.1 93.1 89.4 79.2 77.8 85.0 86.3 85.7 SOUTHERN REGION 92.4 92.1 86.6 93.2 94.2 91.6 86.3 87.6 93.6 100.0 99.9 Andhra Pradesh 108.3 109.6 104.4 114.1 124.3 128.9 135.2 142.7 149.2 158.9 157.2 Karnataka 72.6 75.4 71.2 75.7 75.1 69.9 63.2 64.3 69.2 73.6 72.6 Kerala 65.4 63.0 61.2 65.5 67.5 66.2 64.0 63.3 67.6 72.3 70.8 Lakshadweep 9.1 10.5 8.4 7.1 8.2 8.7 7.9 9.6 10.3 10.9 12.7 Puducherry 74.4 69.4 66.3 66.8 69.4 66.5 67.2 65.8 69.2 72.5 74.6 Tamil Nadu 117.5 112.4 103.8 110.8 111.6 109.2 103.8 103.7 109.4 117.7 120.5 Telangana 107.8 111.5 103.6 115.1 113.1 110.5 99.3 103.4 111.9 119.4 120.5 ALL INDIA 77.1 78.4 73.8 76.7 78.3 76.5 71.7 72.1 75.8 79.6 80.1 -: Nil/Not Applicable/Negligible. *: Since 2020 figures for Dadra & Nagar Haveli include Daman & Diu as well. Source: Basic Statistical Returns of Scheduled Commercial Banks in India, Reserve Bank of India, various issues.