Parliament Question: Credit-Deposit Ratio of Banks in Uttar Pradesh

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 1288 ANSWERED ON MONDAY, JULY 27, 2026/ SHRAVANA 5, 1948 (SAKA) Credit- Deposit Ratio of Banks in Uttar Pradesh † 1288. SHRI ARUN GOVIL: Will the Minister of FINANCE be pleased to state: (a) the current credit-deposit ratio of banks in Uttar Pradesh along with the year-wise credit- deposit ratio during the last ten years, year-wise; (b) the details of the action plan of the Government to improve the credit-deposit ratio in those districts of Uttar Pradesh where credit-deposit ratio is low along with the district-wise details thereof; (c) whether it is a fact that no bank in the country has established its Head Office in Uttar Pradesh, the largest State in the country whereas the Head Office of the bank plays a significant role in improving the Credit-Deposit Ratio; (d) if so, whether the Government has any plan to set up the Head Office of any bank in Uttar Pradesh and if so, the details thereof; (e) the number of villages selected under the Sansad Adarsh Gram Yojana (SAGY) in Meerut Lok Sabha Parliamentary Constituency that have bank branches; and (f) the plan of the Government to open bank branches in the above selected villages having no branches? ANSWER THE MINISTER OF STATE FOR FINANCE (SHRI PANKAJ CHAUDHARY) (a): The current Credit- Deposit (CD) ratio of Scheduled Commercial Banks (SCBs) in Uttar Pradesh stands at 52.01% as of 31.3.2026. Further, the CD ratio of SCBs in Uttar Pradesh during the last ten years, year-wise is at Annexure-I. (b): The CD ratio of SCBs in Uttar Pradesh, district- wise as on 31.3.2026 is at Annexure-II. The State Level Bankers’ Committee (SLBC), Uttar Pradesh has informed that banks in Uttar Pradesh, undertake various initiatives from time to time, to improve credit deployment, especially in low CD ratio districts. These initiatives include, inter alia, targeted credit expansion, strengthening district- level monitoring, credit outreach and awareness, support to Self Help Groups (SHGs), Micro- Small and Medium Enterprises (MSMEs) and One District One Product (ODOP) Clusters, process improvements and digital enablement for loan processing and coordination with various member lending institutions.Further, Reserve Bank of India (RBI) has advised the banks to ensure that wide disparity in the ratios between States/ Regions is avoided in order to minimise regional imbalance in credit deployment and banks may review the performance of their branches in such areas and take necessary steps to augment the credit flow. The Lead Bank of the district may discuss the issue of low CD ratio in all its aspects with the banks and also in the District Consultative Committee (DCC) forum. Special Sub-Committees (SSCs) of the DCC should draw up Monitorable Action Plans to increase the CD ratio in the districts having CD ratio of less than 40% and to report the progress on the implementation of the plan to DCC on a quarterly basis and through them to the convenor of the State Level. (c) and (d): The Head Office of Utkarsh Small Finance Bank is located in Varanasi, Uttar Pradesh, while the Head Offices of Uttar Pradesh Gramin Bank and the Uttar Pradesh State Co-operative Bank are located in Lucknow, Uttar Pradesh. The credit planning and monitoring activities in a State are carried out through RBI’s Lead Bank Scheme, irrespective of the location of the bank’s Head Office. (e) and (f): Ministry of Rural Development has informed that under the Sansad Adarsh Gram Yojana (SAGY), a total of 10 Gram Panchayats had been selected in Meerut District. Further, as per the Jan Dhan Darshak (JDD) app, as on 30.6.2026, all inhabited villages i.e. 98,047 in the State of Uttar Pradesh are covered by a banking outlet (Bank Branch, Business Correspondent, or India Post Payments Bank Centre) within a 5km radius. *****Annexure-I Annexure referred in reply of Part(a) of the Lok Sabha Unstarred Question no. † 1288 for 27.7.2026 regarding Credit- Deposit Ratio of Banks in Uttar Pradesh Credit – Deposit Ratio of Scheduled Commercial Banks in Uttar Pradesh during the last ten years, year- wise As on Credit Deposit Ratio (%) 31.3.2026 52.01 31.3.2025 50.90 31.3.2024 49.88 31.3.2023 45.88 31.3.2022 43.55 31.3.2021 40.84 31.3.2020 40.76 31.3.2019 42.25 31.3.2018 40.91 31.3.2017 39.41 *The Credit Deposit Ratio is computed on the basis of Credit and Deposit Data provided by Reserve Bank of India *****Annexure-II Annexure referred in reply of Part(b) of the Lok Sabha Unstarred Question no. † 1288 for 27.7.2026 regarding Credit- Deposit Ratio of Banks in Uttar Pradesh Credit – Deposit Ratio of Scheduled Commercial Banks in the State of Uttar Pradesh, district- wise, as on 31.3.2026 S.no. District- name Credit Deposit Ratio (%) 1 Agra 67.08 2 Aligarh 51.63 3 Ambedkar Nagar 48.44 4 Amethi 45.81 5 Amroha 73.67 6 Auraiya 44.33 7 Ayodhya 36.64 8 Azamgarh 35.56 9 Baghpat 45.97 10 Bahraich 70.16 11 Ballia 33.37 12 Balrampur 45.12 13 Banda 43.24 14 Bara Banki 70.88 15 Bareilly 70.78 16 Basti 42.29 17 Bijnor 59.17 18 Budaun 85.56 19 Bulandshahr 52.71 20 Chandauli 53.31 21 Chitrakoot 46.06 22 Deoria 40.58 23 Etah 72.44 24 Etawah 49.83 25 Farrukhabad 54.25 26 Fatehpur 48.21 27 Firozabad 67.5828 Gautam Buddha Nagar 53.55 29 Ghaziabad 52.66 30 Ghazipur 40.45 31 Gonda 46.79 32 Gorakhpur 53.64 33 Hamirpur 52.18 34 Hapur 64.47 35 Hardoi 54.65 36 Hathras 65.90 37 Jalaun 46.44 38 Jaunpur 39.10 39 Jhansi 52.19 40 Kanauj 66.95 41 Kanpur Dehat 49.31 42 Kanpur Nagar 51.66 43 Kasganj 69.68 44 Kaushambi 47.43 45 Kheri 75.28 46 Kushi Nagar 46.71 47 Lalitpur 86.59 48 Lucknow 39.39 49 Maharajganj 67.71 50 Mahoba 59.45 51 Mainpuri 71.33 52 Mathura 62.11 53 Mau 37.84 54 Meerut 56.92 55 Mirzapur 44.05 56 Moradabad 78.48 57 Muzaffarnagar 86.27 58 Pilibhit 79.55 59 Pratapgarh 35.35 60 Prayagraj 38.93 61 Rai Bareli 53.2262 Rampur 76.82 63 Saharanpur 74.74 64 Sambhal 86.27 65 Sant Kabir Nagar 45.37 66 Sant Ravidas Nagar 48.64 67 Shahjahanpur 79.18 68 Shamli 70.53 69 Shravasti 55.28 70 Sidharthanagar 42.18 71 Sitapur 56.16 72 Sonbhadra 41.66 73 Sultanpur 42.14 74 Unnao 31.06 75 Varanasi 55.91 *The Credit Deposit Ratio is computed on the basis of Credit and Deposit Data provided by Reserve Bank of India *****