The data have also been classified according to top hundred centres, states, districts, population groups and bank groups. The primary data have been collected from all scheduled commercial banks through the BSR-7 return.
Other scheduled commercial banks (SCBs), foreign banks and regional rural banks (RRBs) had relative shares in the total gross bank credit to the extent of 11.9 per cent, 8 per cent and 2.9 per cent respectively.
The annual (point-to-point) growth rate of bank credit was the highest in Dadra & Nagar Haveli at 49.8 per cent. This was followed by Chandigarh with a growth rate at 38.3 per cent, Mizoram at 29.5 per cent, Sikkim at 28.4 per cent, Chhattisgarh at 27.6 per cent and Delhi at 24.1 per cent.
The top six states according to gross bank credit -- Maharashtra, Delhi, Tamil Nadu, Andhra Pradesh, Karnataka and West Bengal together accounted for 70.1 per cent of gross bank credit, while Maharashtra alone accounted for 26.2 per cent of the total credit.
The credit-deposit (CD) ratio of all the SCBs as on last Friday of September 2001 works out to 56.1 per cent.
The CD ratio was above the average level in respect of foreign banks at 83.6 per cent, SBI & its associates at 65.3 per cent. CD ratio was lower for other SCBs at 53.7 per cent, nationalised banks at 50.8 per cent and RRBs at 41.4 per cent.
As regards population group-wise CD ratios of the SCBs, metropolitan centres had the highest CD ratio of 80.9 per cent followed by urban centres at 41.0 per cent, rural centres at 40.1 per cent and semi-urban centres at 32.4 per cent.
...corner 53.4% of total deposits
Our Banking Bureau
Mumbai, January 24: Nationalised banks accounted for 53.4 per cent of the aggregate deposits, with the SBI and its associates accounting for 24.8 per cent, as per the Reserve Bank of India data of all scheduled commercial banks (SCBs) provided in its quarterly handout as on last Friday of September 2001.
The shares in aggregate deposits were 12.4 per cent for other scheduled commercial banks (SCBs), while that for the the foreign Banks was 5.40 per cent and for the regional rural banks was four per cent.
The top six states according to aggregate deposits, were Maharashtra, Delhi, Uttar Pradesh, West Bengal, Tamil Nadu and Gujarat, which together accounted for 58 per cent of aggregate deposits.
The top 10 centres arranged according to the size of deposits accounted for 58.9 per cent of the total deposits. It is observed that the annual growth rate of deposits was the highest in Uttaranchal with a growth of 27.9 per cent, followed by Chhattisgarh at 26.2 per cent, Dadra & Nagar Haveli at 26.1 per cent, Tripura at 22.5 per cent, Chandigarh at 21.7 per cent and Gujarat at 21.3 per cent.It could be noted that the two newly created states -- Uttaranchal & Chhattisgarh -- ranked the first and second positions in respect of the deposit growth rates.