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Document - Table 153: State-wise Credit-Deposit Ratio of Scheduled Commercial Banks - According to Place of Sanction () or PDF - Table 153: State-wise Credit-Deposit Ratio of Scheduled Commercial Banks - According to Place of Sanction ()
Date : Dec 11, 2025
Table 153: State-wise Credit-Deposit Ratio of Scheduled Commercial Banks - According to Place of Sanction
(As at end-March)
(Per cent)
Region/State/Union Territory 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
NORTHERN REGION 54.8 59.5 64.6 69.6 67.7 68.9 74.4 82.5 87.7 88.8 90.6
Chandigarh 105.3 88.9 76.8 95.9 96.2 115.0 131.1 121.6 115.5 127.5 120.0
Delhi 59.9 62.4 67.4 70.8 66.9 68.9 74.6 86.8 95.6 97.7 103.7
Haryana 47.6 51.4 57.4 56.9 60.1 61.4 63.3 71.7 79.4 76.5 78.1
Himachal Pradesh 29.7 36.3 41.0 42.8 43.4 38.6 42.2 41.6 38.9 35.1 35.8
Jammu & Kashmir 37.4 46.7 47.2 62.5 56.4 47.2 46.4 38.1 33.8 36.9 40.1
Ladakh - - - - - - - - - - -
Punjab 43.1 50.1 56.8 65.6 67.2 65.7 71.5 77.8 80.9 81.6 79.1
Rajasthan 55.7 68.7 77.3 82.9 82.4 80.6 88.4 90.4 90.9 92.6 87.1
NORTH-EASTERN REGION 29.8 35.0 40.7 40.7 40.7 36.0 35.5 33.8 34.4 33.6 34.8
Arunachal Pradesh 16.1 22.0 26.5 28.0 31.7 25.5 27.5 23.7 23.9 21.8 23.7
Assam 31.8 35.3 42.6 42.8 42.4 38.5 37.8 36.5 37.7 37.2 37.7
Manipur 31.6 42.4 50.1 55.1 48.4 36.0 42.1 34.8 31.3 28.6 33.6
Meghalaya 34.6 43.6 48.1 35.7 33.2 28.3 25.6 24.4 25.8 24.0 27.4
Mizoram 34.8 47.8 51.2 53.8 62.9 57.9 53.2 46.0 38.9 35.3 37.8
Nagaland 15.0 22.9 22.3 29.1 34.0 30.8 30.3 26.1 27.2 28.4 31.0
Tripura 25.2 28.6 32.8 35.3 36.1 30.7 30.7 32.2 31.3 32.8 32.4
EASTERN REGION 41.8 45.5 49.2 54.1 51.5 48.8 50.8 51.4 50.7 49.4 49.0
Andaman & Nicobar Islands 26.1 26.8 29.0 27.7 30.7 31.7 36.5 38.1 38.5 38.6 39.1
Bihar 24.9 27.7 30.3 32.4 28.2 26.8 29.0 29.5 29.7 30.5 32.8
Jharkhand 26.3 29.6 31.2 32.8 35.3 32.0 35.1 34.4 33.9 32.1 31.8
Odisha 53.7 61.8 66.0 64.6 56.3 50.8 54.4 52.5 47.3 46.3 44.6
Sikkim 22.4 29.5 45.3 52.8 46.8 41.6 37.2 37.9 33.1 27.2 26.5
West Bengal 49.5 52.3 56.3 64.7 62.4 60.7 61.5 63.7 63.8 62.0 61.6
CENTRAL REGION 35.6 40.8 44.2 47.4 46.1 44.3 47.3 46.7 47.2 47.6 48.8
Chhattisgarh 40.0 43.6 45.5 50.0 49.8 46.3 52.3 52.3 53.6 53.8 59.5
Madhya Pradesh 46.9 54.7 60.5 61.8 60.1 57.4 60.6 55.6 56.6 58.2 60.4
Uttarakhand 21.1 24.3 25.8 26.7 26.2 25.3 33.7 35.4 35.6 34.8 35.6
Uttar Pradesh 33.1 37.9 41.0 45.1 43.7 42.2 43.3 44.0 44.0 44.1 44.6
WESTERN REGION 72.0 83.5 92.0 90.1 88.6 85.6 79.1 79.5 87.0 85.5 86.0
Dadra & Nagar Haveli* 15.6 34.8 49.3 20.6 23.9 18.1 60.0 34.8 30.1 37.1 40.8
Daman & Diu 11.6 11.5 11.4 15.6 15.0 19.3 20.2 21.3 17.4 19.9 21.9
Goa 21.7 25.1 23.2 26.2 29.4 26.7 26.5 29.1 28.1 28.8 28.7
Gujarat 42.2 46.5 55.6 63.7 66.5 63.7 65.3 66.2 70.4 72.8 74.7
Maharashtra 81.8 94.9 102.2 96.8 93.9 91.2 82.9 83.0 91.8 89.4 89.8
SOUTHERN REGION 68.5 78.1 84.4 87.0 89.1 87.9 92.7 94.5 95.5 97.1 94.9
Andhra Pradesh 65.9 74.8 81.3 87.3 90.4 96.4 105.1 109.7 111.3 112.0 111.3
Karnataka 63.1 73.8 75.9 76.3 78.1 77.3 77.6 72.7 71.4 71.9 71.0
Kerala 45.5 54.6 61.4 60.9 63.4 59.7 63.1 73.1 76.4 73.1 67.7
Lakshadweep 8.0 9.7 11.5 10.2 7.5 5.4 7.3 8.7 9.7 9.9 8.6
Puducherry 34.5 38.3 45.0 47.9 49.7 51.4 57.2 62.7 71.5 83.3 77.9
Tamil Nadu 93.1 101.2 110.5 114.5 114.7 108.1 113.8 115.1 116.9 123.3 121.8
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 153: STATE-WISE CREDIT- DEPOSIT RATIO OF SCHEDULED COMMERCIAL BANKS ACCORDING TO PLACE OF SANCTION (Concld.)
(As at end-March)
(Per cent)
Region/State/Union Territory 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
NORTHERN REGION 88.5 83.6 75.0 78.1 84.5 82.9 74.9 74.5 74.1 77.4 78.6
Chandigarh 105.9 97.8 100.7 112.5 111.4 108.5 96.1 89.7 75.6 72.8 71.9
Delhi 102.6 100.4 88.3 94.1 107.4 110.2 93.9 93.2 90.2 90.5 91.8
Haryana 75.8 69.9 59.1 58.6 61.1 54.8 53.4 54.9 58.5 66.6 68.4
Himachal Pradesh 35.3 32.9 29.7 31.1 30.8 30.2 30.9 32.0 33.2 35.7 37.8
Jammu & Kashmir 42.2 44.2 39.8 42.9 45.5 45.8 48.5 51.5 55.6 58.4 56.9
Ladakh - - - - - 36.1 34.9 36.2 40.4 43.6 43.3
Punjab 75.1 69.8 69.0 63.5 60.3 57.1 55.0 54.2 53.7 58.3 58.5
Rajasthan 86.2 72.4 67.8 76.6 81.4 79.6 77.9 79.0 81.6 86.7 88.6
NORTH-EASTERN REGION 34.5 38.4 36.8 39.3 40.4 41.1 44.1 44.8 48.3 52.9 55.5
Arunachal Pradesh 26.8 29.0 24.0 25.0 23.0 24.9 25.2 24.5 27.3 29.9 31.0
Assam 36.7 42.2 40.3 42.6 44.3 43.0 46.7 48.9 52.0 58.0 62.7
Manipur 34.0 41.1 38.7 44.6 49.4 57.2 57.7 60.2 72.5 74.0 76.6
Meghalaya 25.9 24.8 25.9 27.2 26.9 35.3 37.6 32.0 37.5 41.1 40.3
Mizoram 37.8 40.1 36.4 35.8 36.8 36.1 42.0 45.4 47.1 50.8 51.5
Nagaland 32.7 34.1 31.5 34.7 35.4 37.5 43.2 43.0 49.0 51.5 52.1
Tripura 33.7 35.3 35.9 40.7 41.7 42.5 42.1 41.9 41.5 44.3 43.2
EASTERN REGION 46.5 44.9 41.0 41.6 41.4 41.8 41.6 42.4 44.9 47.8 49.2
Andaman & Nicobar Islands 40.1 44.2 38.5 39.4 41.9 41.0 46.3 46.5 51.6 53.1 52.2
Bihar 33.6 33.4 30.9 32.2 34.7 36.1 40.1 42.5 46.2 50.5 51.4
Jharkhand 29.6 29.6 27.1 27.7 27.7 28.5 29.8 30.9 34.2 37.1 39.3
Odisha 41.9 40.8 38.1 37.6 38.7 39.5 39.5 40.8 44.0 48.1 48.1
Sikkim 25.6 28.0 27.4 26.6 28.4 31.2 35.8 39.3 42.8 44.2 43.4
West Bengal 57.8 55.1 50.3 51.1 49.5 49.3 46.5 46.4 47.7 49.5 51.6
CENTRAL REGION 48.3 49.3 46.0 47.9 49.5 48.8 48.5 50.5 53.1 57.1 58.6
Chhattisgarh 61.6 63.5 62.4 63.2 63.3 62.4 62.7 66.4 72.5 76.0 79.5
Madhya Pradesh 54.8 61.2 60.9 65.1 67.9 69.2 67.9 67.5 71.8 75.8 78.3
Uttarakhand 34.5 34.9 34.3 36.4 37.6 36.5 35.3 35.7 36.4 40.4 41.5
Uttar Pradesh 45.4 44.6 40.0 41.2 42.7 41.5 41.5 43.9 46.0 49.9 50.9
WESTERN REGION 87.1 96.0 96.2 98.3 98.1 94.7 86.3 85.9 92.2 93.8 93.2
Dadra & Nagar Haveli* 35.3 35.8 36.5 43.5 56.1 44.7 35.3 35.7 38.1 44.1 44.9
Daman & Diu 24.3 22.9 23.5 27.5 26.6 - - - - -  
Goa 26.7 27.1 25.7 26.7 26.4 25.1 24.5 24.3 25.1 26.6 26.7
Gujarat 72.7 75.4 68.9 75.6 78.8 74.8 69.9 69.9 71.5 74.4 79.7
Maharashtra 92.0 102.9 106.0 106.9 105.2 102.0 92.5 91.9 99.6 100.6 98.1
SOUTHERN REGION 89.9 89.3 84.2 90.5 90.6 88.0 83.1 84.1 89.1 95.0 94.7
Andhra Pradesh 105.3 106.0 101.1 112.6 121.6 125.3 131.5 138.9 144.7 153.5 151.1
Karnataka 67.7 70.1 67.0 69.7 69.7 65.2 59.8 60.5 64.5 69.0 67.7
Kerala 64.6 62.1 59.8 63.8 65.9 65.0 62.3 61.7 65.8 70.3 68.8
Lakshadweep 9.1 10.5 8.4 8.3 8.1 8.7 7.8 9.6 10.3 10.9 12.7
Puducherry 71.5 67.1 63.9 63.8 66.7 64.0 64.8 63.6 66.5 69.9 72.0
Tamil Nadu 119.0 113.7 105.8 113.5 110.3 107.5 101.7 100.9 105.8 113.0 115.4
Telangana 101.6 104.5 97.0 107.4 106.3 103.6 93.2 96.8 103.7 110.4 111.6
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.