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Intra-State Disparities: Further Evidence
Also, as expected, there have been acute inter-district disparities within
states in banking development. The district-wise data base built by the EPWRF
reveals uniform deterioration of these intra-state disparities since the beginning
of the 1990s. An example of the data for the four states of Maharasthra, Andhra
Pradesh, West Bengal and Karnataka, presented in Table 4.54, brings out how
such a deterioration has occurred between March 1992 and March 2006.
The acute concentration of bank credit share amongst the top five districts,
in each of these states, has intensified after March 1992. In Maharashtra, the
credit share of top five districts has further risen from 89.9% in March 1992 to
March 2006. In Andhra Pradesh, the corresponding share of top five districts
has risen from 59.3% to 65.8%. Likewise, in Karnataka and West Bengal, the
proportions of top five districts have risen from 70% to 78% and from 81.8% to
84.8%, respectively. In metropolitan-oriented states like Maharashtra and West
Bengal, the top centres obviously absorb disproportionately high credit shares
(Table 4.42). At the other extreme, the credit shares of bottom five districts
Table 4.42: District-wise Aggregate Deposits and Bank Credit
Districts
End of
March 2006
End of
March 1992
Districts
End of
March 2006
End of
March 1992
Credit
Share
(in%)
Credit-
Deposit
Ratio
Credit-
Share
(in%)
Credit-
Deposit
Ratio
Credit
Share
(in%)
Credit-
Deposit
Ratio
Credit-
Share
(in%)
Credit-
Deposit
Ratio
A. Maharashtra and Andhra Pradesh
Maharashtra
Andhra Pradesh
State total
100.0 81.3 100.0 60.7 State total
100.0 86.2 100.0 80.1
Top 5 districts
92.4 81.3 89.9 60.5 Top 5 districts
65.8 92.4 59.3 91.2
Mumbai
80.6 82.0 79.5 61.2 Hyderabad
42.8 95.9 36.3 101.3
Pune
5.6 75.0 5.4 66.9 Visakhapatnam 6.3 48.7 6.7 65.5
Thane
2.9 61.0 1.7 32.4 East Godavari
5.9 145.5 6.0 80.7
Raigad
2.0 236.5 2.1 56.6 Krishna
5.7 109.2 5.8 71.2
Nagpur
1.4 58.2 1.2 69.2 Guntur
5.1 117.7 4.5 132.6
Bottom 5 Districts
0.23 51.7 0.67 35.2 Bottom 5 Districts
4.9 61.3 6.4 55.5
B. Karnataka and West Bengal
Karnataka
West Begal
State total
100.0 93.4 100.0 84.8 State total
100.0 63.6 100.0 51.0
Top 5 districts
78.0 96.8 70.0 78.1 Top 5 districts
84.8 66.4 81.8 49.8
Bangalore Urban
61.5 90.4 46.7 85.1 Kolkata
71.5 79.6 64.1 51.7
Bangalore Rural
7.4 596.6 8.8 57.0 Barddhaman
3.8 36.5 4.0 29.1
Dakshin Kannada
3.3 58.4 5.8 94.9 North 24 Paraganas
3.4 20.1 4.9 40.7
Bellary
3.1 157.0 4.5 65.8 Paschim Medinipur
3.2 82.5 4.5 57.4
Mysore
2.8 74.1 4.2 66.2 Haora
2.9 43.4 4.3 62.4
Bottom 5 Districts
2.2 84.8 6.2 67.2 Bottom 5 Districts
2.7 43.3 3.3 47.9
Source:
RBI,
Basic Statistical Returns
, March 1992 and March 2006.
