Lok Sabha Question No. 447 (UNSTARRED), answered on 2017-02-03
Subject: Credit Deposit Ratio
Ministry: FINANCE
Asked by: JANARDAN SINGH SIGRIWAL

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

## LOK SABHA UNSTARRED QUESTION NO\_ 447 1938 (SAKA)

## TO BE ANSWERED ON FEBRUARY 3, 2017/MAGHA 14,

## CREDIT DEPOSIT RATIO

## QUESTION

447 . SHRI JANARDAN SINGH SIGRIWAL:

Will the Minister of FINANCE be pleased to state:

- (a) the average Credit Deposit Ratio (CDR) of the Public Sector Banks (PSBs) during the current financial year till December, 2016;
- (b) whether there is a difference in the average CDR of PSBs in various Statesl UTs of the country;
- (c) if so, the details thereof; State/UT-wise including Bihar; and
- (d) taken by the Government to minimise regional imbalances in credit deployment?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (SHRI SANTOSH KUMAR GANGWAR)

- (a) to (c): A statement indicating State/UT-wise, Credit Deposit Ratio (CDR) of the Public Sector Banks (PSBs) including all India average as at the end of September, 2016 (latest available) , is Annexed:
- (d): Reserve Bank of India (RBI) has advised the banks including PSBs to achieve a CDR of 60% in respect of their rural and semi-urban branches separately on an all India basis. The banks should also ensure that wide disparity in the ratios between different State/Region is avoided in order to minimize regional imbalance in credit deployment:

RBI has also advised banks that the CD ratios should be monitored at different levels viz banks' head office level, State Level Bankers Committee (SLBC) and District Consultative Committee (DCC) . Special Sub-Committee (SSC) of DCC is 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 are treated on a special footing:

## LSUSQ-447

Annex State/UT-wise Credit Deposit Ratio of Public Sector Banks as at the end of September; 2016

| Region               | State                     | CD Ratio as at the end of September, 2016   | CD Ratio as at the end of September, 2016   |
|----------------------|---------------------------|---------------------------------------------|---------------------------------------------|
| Central Region       |                           |                                             | 45.3                                        |
|                      | Chhattisgamh              |                                             | 60.7                                        |
|                      | Madhya Pradesh_           |                                             | 58.7                                        |
|                      | Uttar Pradesh             |                                             | 39.9                                        |
|                      | Uttarakhand               |                                             | 31.3                                        |
| Eastern Region       |                           |                                             | 39.3                                        |
|                      | Andaman & Nicobar Islands |                                             | 42.3                                        |
|                      | Bihar                     |                                             | 30.3                                        |
|                      | Jharkhand                 |                                             | 24.9                                        |
|                      | Odisha                    |                                             | 35.7                                        |
|                      | Sikkim                    |                                             | 30.4                                        |
|                      | West Bengal               |                                             | 48.6                                        |
| North Eastern Region |                           |                                             | 35.4                                        |
|                      | Arunachal Pradesh         |                                             | 29.9                                        |
|                      | Assam                     |                                             | 37.3                                        |
|                      | Manipur                   |                                             | 48.1                                        |
|                      | Meghalaya                 |                                             | 26.5                                        |
|                      | Mizoram                   |                                             | 37.6                                        |
|                      | Nagaland                  |                                             | 40.7                                        |
|                      | Tpura                     |                                             | 28.4                                        |
| Northern Region_     |                           |                                             | 72.8                                        |
|                      | Chandigarh                |                                             | 119.7                                       |
|                      | Haryana                   |                                             | 66.2                                        |
|                      | Himachal Pradesh          |                                             |                                             |
|                      | Jammu & Kaslimir          |                                             | 31.7                                        |
|                      | NCT of Delhi              |                                             | 83.8                                        |
|                      | Punjab_                   |                                             | 60.1                                        |
|                      | Rajasthan                 |                                             | 65.1                                        |
| Southern Region      |                           |                                             | 89.6                                        |
|                      | Andhra Pradesh            |                                             | 100.9                                       |
|                      | Karnataka                 |                                             | 70.4                                        |
|                      | Kerala                    |                                             | 66.2                                        |
|                      | Lakshadweep               |                                             | 8.5                                         |
|                      | Puduchery                 |                                             | 53.2                                        |
|                      | Tamil Nadu                |                                             | 108.3                                       |
|                      | Telangana                 |                                             | 108.9                                       |
| Western Region       |                           |                                             | 91.8                                        |
|                      | Dadra & Nagar Haveli_     |                                             | 29.8                                        |
|                      | Daman & Diu               |                                             | 19.8                                        |
|                      | Goa                       |                                             | 24.5                                        |
|                      | Gujarat                   |                                             | 65.0                                        |
|                      | Maharashtra               |                                             | 103.8                                       |
| ALL INDIA            | ALL INDIA                 | 71,2                                        | 71,2                                        |