129
has occurred a sizeable fall in C-D ratios of the less developed regions in the
1990s in terms of both
sanction
and
utilisation
[Tables 4.38 and 4.39].
Table 4.38: Regional Scenario of Credit-Deposit Ratios
Region
Sanc-
tion
Utili-
sation
San-
ction
Utili-
sation
Sanc-
tion
Utili-
sation
Sanc-
tion
Utili-
sation
Sanc-
tion
Utili-
sation
Sanc-
tion
Utili-
sation
Mar-11
Mar-10
Mar-09
Mar-08
Mar-07
Mar-06
Northern
82.5 83.4 74.4 74.9 68.9 71.1 67.7 70.1 69.6 71.2 64.6 67.9
North-Eastern 33.8 36.3 35.5 39.1 36.0 39.2 40.7 48.3 40.7 48.6 40.7 52.3
Eastern
51.4 53.3 50.8 53.5 48.8 50.8 51.5 58.2 54.1 60.6 49.2 55.6
Central
46.7 50.9 47.3 51.0 44.3 48.7 46.1 54.6 47.4 52.3 44.2 50.0
Western
79.5 74.1 79.1 74.7 85.6 77.0 88.6 76.0 90.1 77.3 92.0 78.9
Southern
94.5 98.3 92.7 94.8 87.9 94.1 89.1 96.8 87.0 96.6 84.4 90.8
All-India
75.6 75.6 73.3 73.3 72.6 72.6 74.4 74.4 75.0 75.0 72.4 72.4
Mar-02
Mar-96
Mar-92
Dec-82
Dec-72
Northern
56.2 55 51.4 50.4 51.1 49.3 70 67.7 47.6 46.6
North-Eastern 27.2 53.2 35.5 41.1 46.7 66.3 41.2 57.5 36.3 71.4
Eastern
37.6 41.4 47 46.4 49.5 49.1 56.1 55.2 62.9 62.6
Central
33.9 38.4 40 42 47.6 50.2 47.8 50.6 39.1 44.4
Western
79.7 71.3 72.2 71.4 58.2 56.5 73.7 73 76.2 71.8
Southern
64.6 68.9 74.2 74.8 76.5 77.7 79.2 80.2 91.1 94.7
All-India
58.4 58.4 59.8 59.8 57.7 57.7 67.1 67.1 66.4 66.4
Source:
RBI, Banking Statistics: Basic Statistical Returns of Scheduled Commercial Bank in India, March 2011
(Vol. 40) and earlier issues.
Table 4.39: Credit-Deposit Ratios for Selected States
Region
Sanc-
tion
Utili-
sation
San-
ction
Utili-
sation
Sanc-
tion
Utili-
sation
Sanc-
tion
Utili-
sation
Sanc-
tion
Utili-
sation
Sanc-
tion
Utili-
sation
Mar-11
Mar-10
Mar-09
Mar-08
Mar-07
Mar-06
Rajasthan
90.4 95.8 88.4 96.6 80.6 87.5 82.4 100.0 82.9 90.9 77.3 86
Bihar
29.5 31.6 29.0 29.7 26.8 26.6 28.2 45.0 32.4 49.0 30.3 40
West-Bengal
63.7 65.1 61.5 64.8 60.7 62.2 62.4 65.8 64.7 68.4 56.3 61.4
Madhya Pradesh 55.6 60.1 60.6 63.7 57.4 61.9 60.1 65.9 61.8 64.6 60.5 67.2
Uttar Pradesh 44.0 48.2 43.3 47.4 42.2 46.5 43.7 52.6 45.1 50.4 41 46.3
Gujarat
66.2 74.4 65.3 75.2 63.7 74.6 66.5 97.8 63.7 88.4 55.6 75.3
Maharashtra
83.0 75.0 82.9 75.8 91.2 78.7 93.9 73.1 96.8 76.5 100.2 81.3
Tamil Nadu
115.1 119.4 113.8 113.5 108.1 115.2 114.7 117.0 114.5 118.6 110.5 109.3
All-India
75.6 75.6 73.3 73.3 72.6 72.6 74.4 74.4 75.0 75.0 72.4 72.4
Mar-02
Mar-96
Mar-92
Dec-82
Dec-72
Rajasthan
48.4 55.4 45.4 45.3 55.6 59.3 70.1 74.1 48.6 54.5
Bihar
21.3 21.9 30.1 31.1 36.9 38.5 42.8 50.7 28.1 53
West-Bengal
45.8 49.2 55.2 53.3 52.8 51 59.3 54.1 76 65.5
Madhya Pradesh 46.6 50.3 56.2 60.6 61 63.2 58.2 61.2 46.6 51.8
Uttar Pradesh 29.9 34.3 33.8 35 42.5 45.3 44.7 47.3 36.9 42.2
Gujarat
44.1 54.7 52.9 56.9 52.4 57.3 52 53.9 56.4 64.6
Maharashtra
92.3 77.5 79.6 77.3 60.7 57.1 83.7 81.7 83.8 74.8
Tamil Nadu
85.4 88.5 94.9 94.4 89 89.1 94.6 94.5 109.5 110
All-India
58.4 58.4 59.8 59.8 57.7 57.7 67.1 67.1 66.4 66.4
Source: RBI,
Banking Statistics: Basic Statistical Returns of Scheduled Commercial Bank in India, March 2011
(Vol. 40) and earlier issues
