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Date : May 05, 2018
Table 109: 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
NORTHERN REGION 47.6 52.4 49.3 56.7 56.6 47.5 50.4 47.0 47.5
Haryana 75.0 76.0 69.1 69.0 58.4 56.0 54.0 53.2 55.1
Himachal Pradesh 38.4 41.4 37.8 34.5 23.7 29.7 29.1 23.7 25.3
Jammu and Kashmir 33.5 55.1 51.1 46.7 39.4 28.4 28.7 26.0 35.7
Punjab 46.2 49.7 46.4 44.1 41.0 43.3 43.3 40.3 38.9
Rajasthan 61.5 60.5 59.3 60.2 52.1 51.0 45.3 50.2 51.7
Chandigarh 55.0 58.7 55.3 42.0 60.1 86.9 61.0 55.7 56.2
Delhi 40.4 46.6 44.1 63.7 69.2 46.5 57.0 51.0 50.7
NORTH-EASTERN REGION 70.0 60.9 66.3 64.0 50.0 45.9 41.1 36.1 33.5
Arunachal Pradesh 55.4 50.5 39.2 35.5 27.6 20.1 24.6 17.6 16.8
Assam 78.4 69.9 79.0 75.9 55.6 47.4 45.4 41.5 37.8
Manipur 77.5 71.3 66.9 75.1 65.8 58.9 55.7 63.4 58.6
Meghalaya 25.3 25.9 23.0 21.3 20.2 47.2 23.6 14.1 15.7
Mizoram 41.3 30.4 28.8 37.6 41.1 35.1 23.5 14.7 25.2
Nagaland 37.7 47.6 49.4 46.3 45.8 44.8 37.3 29.9 21.2
Tripura 92.3 60.7 60.6 61.8 60.6 48.5 44.7 39.3 35.1
EASTERN REGION 52.6 49.2 49.1 50.4 43.9 46.6 46.4 42.1 40.4
Bihar 39.0 39.5 38.5 40.9 37.0 33.8 31.1 29.7 28.7
Jharkhand - - - - - - - - -
Odisha 92.5 72.3 71.1 69.5 62.1 55.9 58.0 48.1 49.4
Sikkim 44.6 32.6 24.6 31.2 23.7 24.9 22.3 18.1 18.0
West Bengal 53.9 50.7 51.0 52.1 44.4 52.0 53.3 48.6 45.7
Andaman & Nicobar Islands 33.1 45.9 35.7 29.9 19.2 17.1 17.8 15.4 16.5
CENTRAL REGION 49.8 52.8 50.2 49.7 44.3 41.2 42.0 40.7 39.2
Chhattisgarh - - - - - - - - -
Madhya Pradesh 68.1 66.7 63.2 63.4 57.5 51.8 60.6 56.4 56.7
Uttar Pradesh 32.8 47.6 45.3 44.6 39.5 37.3 35.0 34.7 32.7
Uttarakhand - - - - - - - - -
WESTERN REGION 63.7 66.1 56.5 58.5 52.2 62.4 71.4 66.2 65.0
Goa 32.8 31.1 29.9 24.4 19.0 25.5 26.3 25.4 25.6
Gujarat 63.2 62.7 57.3 57.9 49.3 49.6 56.9 52.3 53.8
Maharashtra 65.1 68.4 57.1 59.7 54.0 67.4 77.3 71.8 69.8
Dadra & Nagar Haveli 194.9 191.6 157.2 175.7 112.2 94.8 129.1 89.9 127.6
Daman & Diu 57.5 58.3 59.8 45.3 40.1 50.5 48.6 45.1 69.9
SOUTHERN REGION 83.2 82.1 77.7 72.3 67.9 69.9 74.8 75.3 72.0
Andhra Pradesh 82.0 81.1 81.1 80.8 71.8 74.6 81.2 77.4 72.4
Karnataka 84.6 81.1 80.5 67.3 66.4 65.1 71.1 72.2 70.3
Kerala 63.1 59.6 52.2 47.1 44.2 45.2 44.7 45.7 44.7
Tamil Nadu 95.4 97.2 89.1 86.2 82.7 86.8 94.4 97.3 92.6
Lakshadweep 19.2 17.0 13.4 9.4 9.1 9.7 17.3 9.4 9.8
Puducherry 61.8 59.3 54.2 48.7 49.4 50.4 50.2 53.0 48.3
Telangana - - - - - - - - -
ALL INDIA 60.7 61.9 57.7 58.9 54.3 55.6 59.8 56.8 55.3

TABLE 109: 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 1999 2000 2001 2002 2003 2004 2005 2006 2007
NORTHERN REGION 49.4 49.6 52.5 55.0 55.5 56.8 62.2 67.9 71.2
Haryana 54.9 53.4 54.0 55.0 58.3 59.6 63.2 69.6 68.4
Himachal Pradesh 26.0 26.8 25.7 32.5 37.7 42.7 50.9 53.0 51.1
Jammu and Kashmir 37.2 30.9 33.5 40.9 39.0 41.7 50.9 52.7 60.9
Punjab 40.9 40.9 42.3 43.9 43.4 45.7 49.7 56.3 65.3
Rajasthan 49.3 50.1 49.6 55.4 55.3 62.8 76.5 86.0 90.9
Chandigarh 81.4 79.5 99.3 102.3 107.6 107.0 97.0 85.8 101.1
Delhi 52.7 53.7 57.6 59.1 59.2 57.9 62.5 68.0 69.6
NORTH-EASTERN REGION 33.7 30.6 32.0 53.2 48.2 33.7 44.6 52.3 48.6
Arunachal Pradesh 18.5 22.3 22.1 27.4 22.1 25.2 30.0 41.6 46.0
Assam 38.7 35.5 38.1 70.3 61.6 35.7 41.9 49.1 52.5
Manipur 47.8 37.9 40.7 27.3 30.0 31.8 42.6 51.8 55.6
Meghalaya 19.3 16.3 17.3 24.3 31.8 42.6 85.7 113.9 41.2
Mizoram 23.6 26.0 29.0 36.2 30.5 39.7 59.1 53.7 58.4
Nagaland 18.1 15.6 13.6 18.1 13.3 15.2 23.2 23.2 31.9
Tripura 31.1 25.7 21.7 21.6 23.7 24.7 29.0 33.9 36.2
EASTERN REGION 38.0 37.2 36.6 41.4 42.8 45.2 50.4 55.6 60.6
Bihar 27.4 23.2 20.7 21.9 23.7 26.9 31.4 40.0 49.0
Jharkhand - - 30.6 31.0 30.9 26.9 30.6 31.6 33.3
Odisha 44.2 42.8 41.6 51.4 56.9 58.6 74.7 78.7 72.6
Sikkim 18.8 15.2 14.5 22.5 19.3 23.0 29.3 44.8 51.2
West Bengal 43.4 44.9 43.4 49.2 50.0 53.8 56.8 61.4 68.4
Andaman & Nicobar Islands 22.3 27.6 27.5 57.2 49.7 42.2 43.8 49.2 56.6
CENTRAL REGION 36.8 36.8 36.9 38.4 38.6 39.9 45.8 50.0 52.3
Chhattisgarh - - 49.9 54.2 43.8 44.9 49.9 52.5 58.3
Madhya Pradesh 52.2 52.5 52.5 50.3 51.7 50.1 61.2 67.2 64.6
Uttar Pradesh 31.1 30.9 31.9 34.3 36.0 38.0 42.2 46.3 50.4
Uttarakhand - - 23.9 26.0 21.4 23.4 29.1 30.9 32.1
WESTERN REGION 67.0 74.6 74.8 71.3 71.5 63.2 71.8 78.9 77.3
Goa 26.3 25.4 27.3 28.2 27.8 27.3 30.3 27.6 30.0
Gujarat 54.2 53.5 53.6 54.7 56.0 54.8 60.9 75.3 88.4
Maharashtra 72.6 83.4 83.5 77.5 77.4 66.5 75.9 81.3 76.5
Dadra & Nagar Haveli 103.3 135.6 135.2 189.0 168.7 118.8 110.8 136.7 116.4
Daman & Diu 94.6 87.6 75.3 79.4 66.1 49.8 48.3 45.7 57.1
SOUTHERN REGION 68.7 66.8 66.8 68.9 71.2 72.7 83.9 90.8 96.6
Andhra Pradesh 69.1 65.5 64.9 67.7 69.3 70.9 83.3 86.2 91.2
Karnataka 66.7 65.5 61.8 68.9 71.1 69.0 80.5 93.4 99.8
Kerala 41.8 41.7 42.3 43.7 43.6 47.8 57.5 64.3 63.8
Tamil Nadu 90.3 87.5 90.6 88.5 93.1 96.1 105.4 109.3 118.6
Lakshadweep 9.6 9.1 11.8 9.6 5.9 10.0 23.7 41.6 24.7
Puducherry 41.4 38.7 35.8 39.2 39.6 42.6 43.9 48.7 51.5
Telangana - - - - - - - - -
ALL INDIA 54.8 56.0 56.7 58.4 59.2 58.2 66.0 72.4 75.0

TABLE 109: 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 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
NORTHERN REGION 70.1 71.1 74.9 83.4 89.6 89.5 93.6 91.8 87.4 79.1
Haryana 67.2 74.0 76.1 85.6 94.5 86.0 88.5 85.2 82.6 69.1
Himachal Pradesh 51.3 47.1 51.0 48.6 45.0 41.6 37.8 36.6 33.6 31.1
Jammu and Kashmir 56.3 47.3 47.8 35.7 34.1 37.2 40.4 42.5 44.7 40.4
Punjab 76.1 65.5 73.0 92.9 83.2 78.9 81.3 76.8 71.7 71.2
Rajasthan 100.0 87.5 96.6 95.8 96.1 102.9 91.4 90.1 76.3 71.6
Chandigarh 95.8 119.9 133.7 119.8 114.5 123.1 122.4 110.2 100.0 103.5
Delhi 64.4 68.8 70.6 80.8 93.8 94.9 105.1 105.0 102.9 91.9
NORTH-EASTERN REGION 48.3 39.2 39.1 36.3 37.8 35.3 36.6 35.2 39.3 38.2
Arunachal Pradesh 57.7 33.9 34.4 27.4 28.4 38.4 24.8 29.1 29.1 25.1
Assam 49.8 41.5 40.5 38.9 40.3 37.2 39.9 37.2 43.4 42.1
Manipur 50.3 37.1 44.8 36.6 33.2 30.2 34.0 34.5 42.3 39.7
Meghalaya 41.1 34.6 32.7 29.6 28.2 24.6 28.6 26.9 25.2 26.3
Mizoram 65.5 60.2 57.7 49.8 41.9 38.7 40.5 39.9 41.7 37.8
Nagaland 43.9 31.6 40.2 27.5 47.6 33.5 32.5 34.1 34.7 33.1
Tripura 36.8 31.5 31.6 33.2 31.7 35.7 32.5 34.0 35.9 36.5
EASTERN REGION 58.2 50.8 53.5 53.3 52.5 52.2 51.1 48.4 46.8 43.0
Bihar 45.0 26.6 29.7 31.6 31.7 35.0 34.8 34.3 34.5 32.0
Jharkhand 40.2 35.7 36.8 35.6 34.3 35.8 33.0 30.6 30.7 29.1
Odisha 62.4 55.7 58.1 55.7 50.6 50.9 46.2 43.9 43.3 40.5
Sikkim 53.7 53.7 49.5 62.4 57.9 37.5 37.3 37.0 35.2 31.6
West Bengal 65.8 62.2 64.8 65.1 65.1 63.3 63.9 60.3 57.3 52.5
Andaman & Nicobar Islands 75.0 38.1 41.1 39.1 41.6 38.9 38.5 39.3 43.6 42.4
CENTRAL REGION 54.6 48.7 51.0 50.9 50.7 53.6 51.8 51.3 53.2 48.7
Chhattisgarh 66.0 52.3 55.1 56.1 56.1 61.0 61.5 63.4 66.3 65.0
Madhya Pradesh 65.9 61.9 63.7 60.1 60.7 57.4 63.3 57.6 63.5 63.4
Uttar Pradesh 52.6 46.5 47.4 48.2 47.4 53.0 48.0 48.9 49.6 43.0
Uttarakhand 31.6 28.6 38.2 39.1 39.0 37.3 36.7 35.2 35.8 35.3
WESTERN REGION 76.0 77.0 74.7 74.1 80.7 79.9 80.3 80.9 88.3 88.5
Goa 33.6 26.6 27.9 31.1 30.1 29.5 30.2 28.2 29.0 27.6
Gujarat 97.8 74.6 75.2 74.4 78.1 81.5 81.0 79.0 82.4 75.2
Maharashtra 73.1 78.7 75.8 75.0 82.5 80.8 81.3 82.7 91.4 94.0
Dadra & Nagar Haveli 121.9 87.7 92.9 56.2 60.5 60.3 52.9 36.2 40.2 41.5
Daman & Diu 58.2 49.1 44.7 43.8 33.8 34.2 34.0 33.6 29.2 35.3
SOUTHERN REGION 96.8 94.1 94.8 98.3 99.3 99.3 97.4 92.4 92.1 86.6
Andhra Pradesh 97.2 104.9 109.7 114.9 119.8 116.0 115.9 108.3 109.6 104.4
Karnataka 94.3 82.8 80.4 76.3 74.7 76.5 76.5 72.6 75.4 71.2
Kerala 66.4 61.7 64.5 73.8 75.7 74.0 67.8 65.4 63.0 61.2
Tamil Nadu 117.0 115.2 113.5 119.4 119.5 122.2 120.6 117.5 112.4 103.8
Lakshadweep 14.9 7.5 7.7 8.8 9.6 9.9 8.6 9.1 10.5 8.4
Puducherry 50.1 55.8 59.2 63.7 69.9 80.4 80.8 74.4 69.4 66.3
Telangana - - - - - - - 107.8 111.5 103.6
ALL INDIA 74.4 72.6 73.3 75.6 79.0 78.8 79.0 77.1 78.4 73.8
' ': Nil/Not Applicable/Negligible.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, RBI, Various Issues.

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