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Date : Dec 11, 2025

Table 162: State-wise Credit-Deposit Ratio of Regional Rural Banks

(As at end-March) (Per cent) Region/State/Union Territory 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 NORTHERN REGION 42.8 49.7 53.0 53.7 60.1 58.2 64.7 65.7 66.5 67.5 68.5 Chandigarh - - - - - - - - - - - Delhi - - - - - - - - - - - Haryana 56.0 61.6 61.4 53.1 60.4 65.7 72.3 69.1 69.2 65.4 67.4 Himachal Pradesh 25.2 29.0 34.9 37.0 39.7 40.8 40.7 40.6 41.5 43.8 38.7 Jammu & Kashmir 20.5 22.2 25.1 29.6 33.9 25.4 35.0 35.7 39.0 40.8 42.7 Ladakh - - - - - - - - - - - Punjab 46.9 51.2 56.1 57.6 63.7 61.0 67.5 69.5 74.9 80.0 82.3 Rajasthan 45.5 55.0 58.0 61.5 67.7 62.0 67.3 72.1 71.9 74.6 75.5 NORTH-EASTERN REGION 36.3 41.3 46.4 49.5 50.5 44.8 44.9 44.8 46.2 48.9 49.0 Arunachal Pradesh 59.4 53.3 45.8 32.0 25.9 17.8 20.0 25.5 17.0 20.9 17.7 Assam 37.9 44.2 50.2 53.4 52.5 48.5 47.4 47.2 52.2 55.7 55.8 Manipur 52.8 64.9 60.4 75.2 60.4 34.9 35.6 34.5 25.6 33.1 38.6 Meghalaya 26.3 24.8 26.3 29.6 31.0 29.4 30.5 30.1 37.1 38.9 48.2 Mizoram 36.2 57.3 65.0 66.3 67.1 54.1 54.1 64.2 41.6 42.0 47.1 Nagaland 42.6 43.2 45.1 57.2 45.7 33.9 26.3 25.6 27.9 30.1 33.6 Tripura 32.3 34.3 40.6 44.0 49.5 42.6 44.1 43.0 42.3 44.4 40.4 EASTERN REGION 38.0 42.7 45.5 52.9 42.4 41.2 42.9 45.7 49.0 51.4 52.7 Andaman & Nicobar Islands - - - - - - - - - - - Bihar 28.0 33.1 38.8 56.0 33.2 38.7 41.4 43.6 47.4 51.0 54.9 Jharkhand 24.6 29.3 29.0 27.7 32.8 26.4 29.6 31.1 31.9 36.7 39.7 Odisha 59.3 64.7 66.8 69.7 59.4 51.3 51.9 55.3 58.3 59.3 60.6 Sikkim - - - - - - - - - - - West Bengal 39.8 43.6 44.3 43.9 44.2 41.5 41.6 45.2 49.1 50.3 47.4 CENTRAL REGION 36.7 41.5 40.2 43.5 47.3 46.4 47.0 46.5 51.1 51.1 55.6 Chhattisgarh 28.4 31.6 33.3 39.2 42.9 31.1 31.4 32.5 33.0 33.7 31.8 Madhya Pradesh 42.5 48.5 50.9 39.4 49.4 48.2 53.3 54.3 53.2 54.0 55.9 Uttarakhand 33.1 35.8 38.5 46.5 46.1 54.7 59.1 54.9 54.7 57.3 61.3 Uttar Pradesh 36.0 40.9 37.8 45.1 47.2 47.3 46.6 45.6 52.6 52.2 58.5 WESTERN REGION 46.2 50.7 50.2 52.8 60.5 54.4 48.2 50.3 52.1 60.0 61.6 Dadra & Nagar Haveli - - - - - - - - - - - Daman & Diu - - - - - - - - - - - Goa - - - - - - - - - - - Gujarat 44.6 45.1 49.8 53.3 68.9 58.4 47.8 47.2 46.9 51.5 53.9 Maharashtra 47.7 56.1 50.5 52.2 52.6 50.2 48.5 53.3 57.3 68.6 69.3 SOUTHERN REGION 80.3 92.3 81.2 96.1 97.3 90.4 93.1 96.5 104.6 105.7 104.1 Andhra Pradesh 71.9 86.2 75.2 91.0 95.4 92.6 95.2 99.9 112.1 117.2 116.0 Karnataka 84.1 91.8 69.7 90.4 91.6 81.7 82.2 83.1 88.3 85.9 84.5 Kerala 96.2 109.1 112.8 119.4 111.7 100.9 104.0 110.1 111.1 110.9 115.6 Lakshadweep - - - - - - - - - - - Puducherry - - - - - 69.4 109.1 106.5 121.5 114.3 109.1 Tamil Nadu 83.9 98.7 108.8 106.8 106.6 101.5 116.3 122.1 130.9 134.5 124.1 Telangana - - - - - - - - - - - ALL INDIA 46.5 53.2 52.0 58.6 59.4 56.4 58.3 59.9 64.1 66.2 68.1 TABLE 162: STATE-WISE CREDIT-DEPOSIT RATIO OF REGIONAL RURAL BANKS (Concld.) (As at end-March) (Per cent) Region/State/Union Territory 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 NORTHERN REGION 70.3 72.3 65.6 68.3 68.2 65.6 66.0 69.6 70.4 72.6 74.8 Chandigarh - - - - - - - - - - - Delhi - - - - - - - - - - - Haryana 70.3 70.0 64.6 65.4 65.5 62.7 60.6 63.9 65.9 68.6 71.6 Himachal Pradesh 34.6 35.5 33.2 32.2 36.2 36.4 37.7 38.6 41.5 44.4 46.6 Jammu & Kashmir 45.1 48.2 42.7 43.9 47.4 50.5 54.3 57.3 59.2 62.1 64.2 Ladakh - - - - - 127.5 136.4 120.1 113.6 109.4 116.2 Punjab 86.5 88.0 81.3 87.5 82.2 77.3 75.3 77.8 78.2 81.3 80.9 Rajasthan 76.7 80.1 71.2 75.5 75.4 72.1 73.4 77.8 77.5 78.6 81.0 NORTH-EASTERN REGION 47.8 49.5 45.6 43.7 39.8 37.5 38.3 41.1 45.1 49.2 52.5 Arunachal Pradesh 27.4 26.7 26.2 30.5 30.1 22.1 23.9 23.5 29.2 32.3 34.1 Assam 52.6 56.2 52.9 46.9 40.7 36.4 38.3 42.7 48.0 56.1 63.8 Manipur 38.3 41.8 39.5 45.3 44.4 51.7 49.7 51.3 69.0 71.8 58.2 Meghalaya 50.0 50.8 37.1 36.0 32.8 33.6 31.4 29.2 30.2 32.6 37.9 Mizoram 50.1 57.0 52.4 50.8 47.3 44.2 49.3 59.2 58.1 62.1 64.1 Nagaland 31.2 32.5 26.3 28.9 29.4 29.8 28.2 34.9 38.8 45.3 47.1 Tripura 39.5 38.4 37.0 40.2 38.5 38.2 35.7 35.8 40.6 40.7 39.9 EASTERN REGION 52.6 50.7 46.3 47.8 47.2 46.4 48.8 49.0 52.9 56.2 59.9 Andaman & Nicobar Islands - - - - - - - - - - - Bihar 54.7 50.7 48.1 52.1 52.2 51.6 55.6 53.4 56.8 59.1 63.8 Jharkhand 40.5 40.7 36.4 37.3 38.4 40.9 42.2 45.9 51.4 56.1 59.6 Odisha 57.0 56.4 49.4 47.7 43.6 41.0 41.3 42.6 49.3 54.2 57.9 Sikkim - - - - - - - - - - - West Bengal 49.9 49.7 44.5 45.0 45.5 44.6 47.4 48.6 51.0 53.8 56.0 CENTRAL REGION 56.0 58.7 53.2 52.9 55.2 52.9 53.3 54.2 57.2 59.5 62.0 Chhattisgarh 31.0 31.2 29.0 29.2 29.0 31.0 35.7 38.3 44.8 49.4 56.0 Madhya Pradesh 56.8 62.1 56.3 58.7 54.9 52.5 53.0 57.7 63.5 66.2 69.0 Uttarakhand 61.2 60.7 49.6 48.7 45.9 44.5 43.3 43.0 44.2 47.8 54.0 Uttar Pradesh 58.8 61.2 55.5 54.5 59.0 56.1 56.1 56.0 58.0 60.0 61.6 WESTERN REGION 62.4 65.0 62.9 59.4 62.5 57.7 58.4 60.6 65.8 67.7 74.7 Dadra & Nagar Haveli - - - - - - - - - - - Daman & Diu - - - - - - - - - - - Goa - - - - - - - - - - - Gujarat 53.8 55.7 53.8 59.6 61.7 61.5 61.7 62.0 64.5 67.4 70.0 Maharashtra 70.7 74.4 72.8 59.1 63.3 54.0 55.4 59.3 67.1 68.0 80.3 SOUTHERN REGION 98.6 92.8 88.1 96.5 99.7 96.7 100.7 102.7 100.1 110.7 111.8 Andhra Pradesh 100.4 91.8 88.1 93.5 100.1 97.0 102.3 113.6 97.2 119.5 118.3 Karnataka 85.9 82.0 78.0 87.3 85.9 81.1 84.6 81.4 80.9 85.4 89.3 Kerala 122.0 115.4 113.2 128.9 121.1 108.9 101.1 96.8 99.9 100.7 102.7 Lakshadweep - - - - - - - - - - - Puducherry 103.0 95.1 85.6 80.5 104.6 84.9 93.4 115.9 124.2 121.7 127.5 Tamil Nadu 105.4 97.5 88.0 93.3 100.2 98.3 105.6 103.3 102.8 121.0 118.4 Telangana 103.6 99.3 91.7 98.7 110.4 117.6 128.0 134.9 148.7 149.1 145.7 ALL INDIA 67.7 67.7 62.8 65.3 66.7 64.4 66.5 68.1 70.3 74.7 77.6 -: Nil/Not Applicable/Negligible. Source: Basic Statistical Returns of Scheduled Commercial Banks in India, Reserve Bank of India, various issues.