June

March

March

March

March

March

March

March

    March

IMPORTANT INDICATORS

1969

1991

1992

1993

1994

1995

1996

1997

1998

1

2

3

4

5

6

7

8

9

No. of Commercial Banks

89

276

276

276

276

284

293

299

300

(a)  Scheduled Commercial Banks

73

272

272

272

272

281

291

297

299

of which: Regional Rural Banks

-

196

196

196

196

196

196

196

196

(b)  Non-Scheduled Commercial Banks

16

4

4

4

4

3

2

2

1

Number of Bank Offices in India

8262

60220

60570

61169

61803

62367

63026

63550

64218

(a) Rural

1833

35206

35269

35389

35329

33004

32995

32915

32878

(b) Semi-Urban

3342

11344

11356

11465

11890

13341

13561

13766

13980

(c) Urban

1584

8046

8279

8562

8745

8868

9086

9340

9597

(d) Metropolitan

1503

5624

5666

5753

5839

7154

7384

7529

7763

Population per office (in thousands)

64

14

14

14

15

15

15

15

15

Deposits of Scheduled Commercial

Banks in India (Rs. Crore)

4646

201199

237566

274938

323632

386859

433819

505599

605410

of which:

(a) Demand

2104

38300

48893

49541

60700

76903

80614

90610

102513

(b) Time

2542

162898

188672

225397

262932

309956

353205

414989

502897

Credit of Scheduled Commercial

Banks in India (Rs. Crore)

3599

121865

131520

154838

166844

211560

254015

278401

324079

Deposits of Scheduled Commercial

Banks per office (Rs. Lakh)

56

334

392

449

524

620

688

796

943

Credit of Scheduled Commercial

Banks per office (Rs. Lakh)

44

202

217

253

270

339

403

438

505

Per Capita Deposits of Scheduled

Commercial Banks (Rs.)

88

2368

2738

3111

3596

4242

4644

5323

6270

Per Capita Credit of Scheduled

Commercial Banks (Rs.)

68

1434

1516

1752

1854

2320

2719

2931

3356

Deposits of Scheduled Commercial

Banks as percentage of National

Income (at current prices)

15.5

48.1

49.5

50.4

46.0

46.4

44.5

44.3

47.9

Scheduled Commercial Banks'

Advances to Priority Sector (Rs.Crore)

504

44572

47318

51739

59097

69209

80831

93807

N.A.

Share of Priority sector

Advances in total credit of

Scheduled Commercial Banks (per cent)

14.0

37.7

37.1

34.4

36.5

33.7

32.8

34.8

N.A.

Share of Priority Sector Advances in

Total Non-Food Credit of Scheduled

Commercial Banks (per cent)

15.0

39.2

38.6

36.1

38.8

35.8

34.1

35.8

N.A.

Credit Deposit Ratio

77.5

60.6

55.4

56.3

51.6

54.7

58.6

55.1

53.5

Investment Deposit Ratio

29.3

37.7

38.0

38.0

41.2

38.6

38.0

37.7

36.1

Cash Deposit Ratio

8.2

17.6

18.2

13.6

17.2

16.3

12.4

10.5

10.1

N.A. = Not Available.

See Notes on Tables.

Table No. 1.2 - Distribution of Banking Centres According to State and Population Group (as at the End of March)

POPULATION GROUP

RURAL

SEMI-URBAN

URBAN

METROPOLITAN

   ALL CENTRES

UNION TERRITORY

1997

1998

1997

1998

1997

1998

1997

1998

1997

1998

1

2

3

4

5

6

7

8

9

10

NORTHERN REGION

4654

4629

451

452

37

37

3

3

5145

5121

Haryana

644

643

91

92

12

12

-

-

747

747

Himachal Pradesh

605

605

14

14

-

-

-

-

619

619

Jammu & Kashmir

490

482

22

22

2

2

-

-

514

506

Punjab

1030

1028

99

99

9

9

1

1

1139

1137

Rajasthan

1821

1807

211

211

13

13

1

1

2046

2032

Chandigarh

9

9

2

2

1

1

-

-

12

12

Delhi

55

55

12

12

-

-

1

1

68

68

NORTH-EASTERN REGION

1230

1227

118

118

8

8

-

-

1356

1353

Arunachal Pradesh

60

60

1

1

-

-

-

-

61

61

Assam

789

786

73

73

4

4

-

-

866

863

Manipur

49

49

11

11

1

1

-

-

61

61

Meghalaya

124

124

7

7

1

1

-

-

132

132

Mizoram

60

60

5

5

1

1

-

-

66

66

Nagaland

35

35

8

8

-

-

-

-

43

43

Tripura

113

113

13

13

1

1

-

-

127

127

EASTERN REGION

7064

7064

774

774

67

67

1

1

7906

7906

Bihar

3318

3317

401

401

16

16

-

-

3735

3734

Orissa

1544

1545

93

93

6

6

-

-

1643

1644

Sikkim

32

32

1

1

-

-

-

-

33

33

West Bengal

2155

2155

277

277

45

45

1

1

2478

2478

Andaman & Nicobar Islands

15

15

2

2

-

-

-

-

17

17

CENTRAL REGION

7527

7488

802

803

60

60

4

4

8393

8355

Madhya Pradesh

2447

2414

286

286

21

21

2

2

2756

2723

Uttar Pradesh

5080

5074

516

517

39

39

2

2

5637

5632

WESTERN REGION

3834

3828

666

670

43

43

7

7

4550

4548

Goa

142

143

9

10

-

-

-

-

151

153

Gujarat

1473

1465

256

259

14

14

3

3

1746

1741

Maharashtra

2213

2214

398

398

29

29

4

4

2644

2645

Dadra & Nagar Haveli

5

5

1

1

-

-

-

-

6

6

Daman & Diu

1

1

2

2

-

-

-

-

3

3

SOUTHERN REGION

6561

6535

2218

2220

81

81

3

3

8863

8839

Andhra Pradesh

2332

2320

467

467

34

34

1

1

2834

2822

Karnataka

2122

2109

279

279

14

14

1

1

2416

2403

Kerala

309

308

1033

1035

7

7

-

-

1349

1350

Tamil Nadu

1767

1767

434

434

25

25

1

1

2227

2227

Lakshadweep

9

9

-

-

-

-

-

-

9

9

Pondicherry

22

22

5

5

1

1

-

-

28

28

ALL-INDIA

30870

30771

5029

5037

296

296

18

18

36213

36122

See Notes on Tables.

Table No. 1.3 - Distribution of Deposits and Credit of Scheduled Commercial Banks According to Population Group
March 1997

(Amount in Rupees Lakh)

ALL OFFICES

OFFICES OPENED AFTER JUNE 1969

No. of

Deposits

Credit

No. of

Deposits

Credit

Offices

Offices

1

2

3

4

5

6

RURAL

32,909

73769,70

32525,22

32,244

68290,92

30282,32

(50.5)

(14.7)

(11.4)

(56.6)

(21.2)

(16.4)

SEMI-URBAN

13,931

98045,13

37383,60

10,487

58489,65

22692,30

(21.4)

(19.6)

(13.1)

(18.4)

(18.2)

(12.3)

URBAN

10,061

112577,67

49930,94

7,867

69784,28

27303,27

(15.5)

(22.5)

(17.6)

(13.8)

(21.7)

(14.8)

METROPOLITAN

8,210

216163,87

164533,54

6,345

125664,63

103845,85

(12.6)

(43.2)

(57.9)

(11.1)

(39.0)

(56.4)

ALL INDIA

65,111

500556,37

284373,30

56,943

322229,48

184123,74

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Table No. 1.4 - Distribution of Deposits and Credit of Scheduled Commercial Banks According to Bank Group
March 1997

(Amount in Rupees Lakh)

ALL OFFICES

OFFICES OPENED AFTER JUNE 1969

BANK GROUP

No. of

Deposits

Credit

No. of

Deposits

Credit

Offices

Offices

1

2

3

4

5

6

STATE BANK OF INDIA

13,148

124872,99

83032,21

10,650

72014,52

56762,49

AND ITS ASSOCIATES

(20.2)

(24.9)

(29.2)

(18.7)

(22.3)

(30.8)

NATIONALISED BANKS

32,522

276677,20

139125,48

27,765

187414,38

88384,23

(49.9)

(55.3)

(48.9)

(48.8)

(58.2)

(48.0)

FOREIGN BANKS

184

35620,76

26505,28

62

7187,48

7640,54

(0.3)

(7.1)

(9.3)

(0.1)

(2.2)

(4.1)

REGIONAL RURAL BANKS

14,639

17729,36

8655,30

14,639

17729,36

8655,30

(22.5)

(3.5)

(3.0)

(25.7)

(5.5)

(4.7)

OTHER SCHEDULED

4,618

45656,06

27055,02

3,827

37883,74

22681,19

COMMERCIAL BANKS

(7.1)

(9.1)

(9.5)

(6.7)

(11.8)

(12.3)

ALL SCHEDULED

65,111

500556,37

284373,30

56,943

322229,48

  184123,74

COMMERCIAL BANKS

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Table No. 1.5 - Distribution of Deposits and Credit of Scheduled Commercial Banks According to State
March 1997

(Amount in Rupees Lakh)

REGION/STATE

No. of Offices

DEPOSITS

CREDIT

UNION TERRITORY

No. of

Amount

No. of

Amount

Accounts

Accounts

Outstanding

1

2

3

4

5

NORTHERN REGION

10,197

690,30,381

112335,41

59,79,400

54394,64

HARYANA

1,413

98,53,572

10616,58

9,53,370

4515,27

HIMACHAL PRADESH

772

36,00,096

4061,20

2,79,463

859,21

JAMMU & KASHMIR

810

41,83,719

4612,72

2,77,987

1185,13

PUNJAB

2,415

183,41,908

23902,14

13,97,142

9147,87

RAJASTHAN

3,306

143,43,546

14443,37

21,76,549

6746,08

CHANDIGARH

171

15,72,603

4124,84

78,651

2299,21

DELHI

1,310

171,34,937

50574,56

8,16,238

29641,86

NORTH-EASTERN REGION

1,941

111,17,669

8148,07

16,01,230

2618,70

ARUNACHAL PRADESH

69

4,96,778

402,53

29,463

49,82

ASSAM

1,271

78,84,919

5100,03

10,17,080

1852,37

MANIPUR

87

2,92,340

240,81

72,862

153,37

MEGHALAYA

180

7,74,298

906,80

83,121

137,35

MIZORAM

79

2,15,254

283,10

22,214

39,05

NAGALAND

72

3,72,844

508,03

49,747

112,99

TRIPURA

183

10,81,236

706,77

3,26,743

273,75

EASTERN REGION

11,716

700,69,172

65312,73

113,45,996

27949,94

BIHAR

5,016

265,73,079

21442,67

45,68,693

6191,08

ORISSA

2,183

88,46,845

7296,10

24,00,741

3350,40

SIKKIM

42

1,17,633

239,78

19,731

41,61

WEST BENGAL

4,444

343,74,298

36132,28

43,42,356

18339,09

ANDAMAN & NICOBAR Islands

31

1,57,317

201,90

14,475

27,75

CENTRAL REGION

13,414

808,94,424

67965,83

98,31,493

25521,09

MADHYA PRADESH

4,517

197,13,638

18706,30

31,07,779

9816,26

UTTAR PRADESH

8,897

611,80,786

49259,53

67,23,714

15704,83

WESTERN REGION

10,111

629,23,294

136098,00

63,21,816

91398,68

GOA

293

20,47,013

3843,22

1,04,624

944,43

GUJARAT

3,619

193,91,784

29776,44

19,94,409

14346,56

MAHARASHTRA

6,179

413,03,874

102190,08

42,13,756

76051,67

DADRA & NAGAR HAVELI

7

80,019

82,49

4,451

14,61

DAMAN & DIU

13

1,00,604

205,78

4,576

41,41

SOUTHERN REGION

17,732

1025,43,377

110696,33

205,37,982

82490,26

ANDHRA PRADESH

5,022

267,41,867

26580,30

66,23,385

20242,29

KARNATAKA

4,644

249,47,439

26819,60

44,19,932

19020,81

KERALA

3,198

196,41,059

23156,48

35,36,259

10523,93

TAMIL NADU

4,782

305,94,729

33265,96

58,65,768

32367,00

LAKSHADWEEP

9

20,268

31,98

1,643

2,67

PONDICHERRY

77

5,98,015

842,02

90,995

333,55

ALL- INDIA

65,111

3965,78,317

500556,37

556,17,917

284373,30

Table No. 1.6 - Population Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Place of Sanction and Utilisation
March 1997

(Amount in Rupees Lakh)

AS PER SANCTION

AS PER UTILISATION

POPULATION

No. of

Amount

Credit

No. of

Amount

Credit

GROUP

Accounts

outstanding

Deposit

Accounts

Outstanding

Deposit

Ratio

Ratio

1

2

3

4

5

6

RURAL

271,04,273

32525,22

44.1

272,80,171

40258,88

54.6

SEMI-URBAN

159,08,331

37383,60

38.1

158,38,789

40602,02

41.4

URBAN

75,00,608

49930,94

44.4

74,54,120

51796,03

46.0

METROPOLITAN

51,04,705

164533,54

76.1

50,44,837

151716,38

70.2

ALL-INDIA

556,17,917

284373,30

56.8

556,17,917

284373,30

56.8

Table No. 1.7 - State-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Place of Sanction and Utilisation
March 1997

(Amount in Rupees Lakh)

Total Credit

Credit

Credit

Credit

Total

Credit-Deposit Ratio

REGION/STATE

Sanctioned

Utilised

Sanctioned

Utilised

Credit

As per

As per

UNION TERRITORY

in the State

in the State

in the State

in the State

Utilised

Sanction

Utilisation

of Sanction

but Utilised

but San-

in the

(per cent)

(per cent)

in Other

ctioned in

State

States

  Other States

1

2

3

4

5

6

7

NORTHERN REGION

54394,64

52084,01

2310,63

728,41

52812,42

48.4

47.0

HARYANA

4515,27

4463,37

51,91

1183,31

5646,67

42.5

53.2

HIMACHAL PRADESH

859,21

832,70

26,51

129,12

961,82

21.2

23.7

JAMMU & KASHMIR

1185,13

1182,54

2,59

18,57

1201,11

25.7

26.0

PUNJAB

9147,87

9056,01

91,86

587,85

9643,86

38.3

40.3

RAJASTHAN

6746,08

6731,85

14,23

517,09

7248,95

46.7

50.2

CHANDIGARH

2299,21

2091,10

208,11

205,61

2296,70

55.7

55.7

DELHI

29641,86

25425,84

4216,02

387,47

25813,31

58.6

51.0

NORTH-EASTERN REGION

2618,70

2549,49

69,21

391,91

2941,40

32.1

36.1

ARUNACHAL PRADESH

49,82

49,49

32

21,53

71,02

12.4

17.6

ASSAM

1852,37

1798,36

54,01

319,59

2117,95

36.3

41.5

MANIPUR

153,37

149,01

4,36

3,68

152,70

63.7

63.4

MEGHALAYA

137,35

119,63

17,72

8,59

128,22

15.1

14.1

MIZORAM

39,05

37,89

1,16

3,76

41,65

13.8

14.7

NAGALAND

112,99

111,78

1,21

40,14

151,92

22.2

29.9

TRIPURA

273,75

272,00

1,75

5,94

277,94

38.7

39.3

EASTERN REGION

27949,94

27092,82

857,12

427,76

27520,58

42.8

42.1

BIHAR

6191,08

6156,98

34,09

209,13

6366,12

28.9

29.7

ORISSA

3350,40

3331,94

18,46

175,87

3507,81

45.9

48.1

SIKKIM

41,61

41,40

21

2,00

43,40

17.4

18.1

WEST BENGAL

18339,09

17259,47

1079,62

312,67

17572,14

50.8

48.6

ANDAMAN & NICOBAR Islands

27,75

27,25

50

3,86

31,10

13.7

15.4

CENTRAL REGION

25521,09

25394,41

126,67

2247,79

27642,20

37.5

40.7

MADHYA PRADESH

9816,26

9741,05

75,21

817,91

10558,96

52.5

56.4

UTTAR PRADESH

15704,83

15626,11

78,72

1457,13

17083,24

31.9

34.7

WESTERN REGION

91398,68

89441,06

1957,62

686,10

90127,16

67.2

66.2

GOA

944,43

937,20

7,23

38,69

975,90

24.6

25.4

GUJARAT

14346,56

14185,45

161,11

1400,25

15585,70

48.2

52.3

MAHARASHTRA

76051,67

72854,23

3197,44

544,29

73398,53

74.4

71.8

DADRA & NAGAR HAVELI

14,61

14,61

-

59,54

74,15

17.7

89.9

DAMAN & DIU

41,41

38,81

2,60

54,08

92,89

20.1

45.1

SOUTHERN REGION

82490,26

82064,11

426,15

1265,43

83329,54

74.5

75.3

ANDHRA PRADESH

20242,29

20114,93

127,36

457,13

20572,06

76.2

77.4

KARNATAKA

19020,81

18785,67

235,14

566,17

19351,84

70.9

72.2

KERALA

10523,93

10455,53

68,40

131,00

10586,54

45.4

45.7

TAMIL NADU

32367,00

31817,12

549,88

553,00

32370,11

97.3

97.3

LAKSHADWEEP

2,67

2,65

1

37

3,02

8.3

9.4

PONDICHERRY

333,55