Lok Sabha Question No. 2832 (UNSTARRED), answered on 2018-08-03
Subject: Loan to Deposit Ratio
Ministry: FINANCE
Asked by: RAVINDRA KUMAR PANDEY

## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA

## TO BE ANSWERED ON AUGUST 3,2018/SHRAVANA 12, 1940 (SAKA)

## UNSTARRED QUESTION NO.2832

## LOAN TO DEPOSIT RATIO

## QUESTION

+2832. SHRI RAVINDRA KUMAR PANDEY:

Will the Minister of FINANCE be pleased to state:

- whether any norms have been fixed regarding loan-to-deposit ratio of the nationalised
- (a) banks;
- (b) if so, the details thereof;
- (c) whether the nationalised banks in the country are not complying with this loan-to-deposit
- ratio;
- (d) if so, the details thereof, State/UT-wise including Jharkhand; and
- (e) the steps taken by the Government in this regard? being

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (SHRI SHIV PRATAP SHUKLA)

(a) to (e): Reserve Bank of India (RBI) vide its Master Circular on Lead Bank Scheme dated July 2018, advised Banks including Nationalised Banks to achieve a Credit Deposit (CD) ratio of 60% in respect of their rural and semi-urban branches separately on an all-India basis 2nd

RBI has advised banks that the CD ratios should be monitored at different levels viz banks head office level, State Level District  Consultative Committee (DCC). Special Sub-Committee (SSC) of DCC to be set up in the districts having CD ratio less than 40% in order to monitor the CD ratio and to draw up Monitorable Action Plans (MAPs) to increase the CD ratio. The Districts with CD ratio less than 20% needs to be treated on a special footing-

RBI monitors the number of districts in the states where the CD ratio is less than 40%. RBI has reported that out of the total 714 districts as on 31st March, 2018, 182 districts have CD ratio less than 40% and SSCs of DCC have been formed in 164 districts.

A Statement indicating State/UT-wise (including Jharkhand) CD Ratio of public sector banks as on 31st March, 2018 is Annexed.

## Annex to\_Lok Sabha\_Unstarred Question\_No\_2832

State /UT-wise Credit-deposit Ratio of Public Sector Bank CD Ratio as on 31st March, 2018

| SLNo   | Name of State/UT          |            |
|--------|---------------------------|------------|
| 1      | Andaman & Nicobar Islands | 41.1 112.0 |
| 2      | Andhra Pradesh            | 25.8       |
|        | Arunachal Pradesh         | 36.0       |
| 4      | Assam                     | 27.7       |
| 5      | Bihar                     | 130.1      |
| 6      | Chandigarh                | 61.9       |
| 7      | Chhattisgarh              |            |
| 8      | Dadra & Nagar Haveli      | 33.5       |
| 9      | Daman & Diu               | 23.7       |
| 10     | Goa                       | 23.6       |
|        |                           | 62.3       |
| 11     | Gujarat                   | 62.0       |
| 12     | Haryana                   | 30.0       |
| 13     | Himachal Pradesh          | 30.1       |
| 14     | Jammu & Kashmir           | 24.1       |
| 15     | Jharkhand                 | 72.2       |
| 16     | Karnataka                 | 61.9       |
| 17     | Kerala                    | 8.2        |
| 18     | Lakshadweep               | 58.4       |
| 19     | Madhya Pradesh            | 111.8      |
| 20     | Maharashtra               | 45.4       |
| 21     | Manipur                   | 28.4       |
| 22     | Meghalaya                 | 31.6       |
| 23     | Mizoram                   | 39.2       |
| 24     | Nagaland                  | 93.4       |
| 25     | NCT of Delhi              | 34.0       |
| 26     | Odisha                    | 50.0       |
| 27     | Puducherry                | 56.2       |
| 28     | Punjab                    | 64.9       |
| 29     | Rajasthan                 | 31.8       |
| 30     | Sikkim                    | 107.9      |
| 31     | Tamil Nadu                | 113.2      |
| 32     | Telangana                 | 31.3       |
| 33     | Tripura                   | 37.2       |
|        | Uttar Pradesh             | 31.6       |
| 35     | Uttarakhand               | 43.7       |
|        | West Bengal               |            |
|        | AII India                 | 71.1       |

Source: RBI