Patna: Bihar has achieved a significant milestone in its banking sector, recording a credit-deposit (CD) ratio of over 60.21% in the financial year 2025-26. This is the first time the state has crossed the 60% mark, setting a new benchmark for banking performance.
Announcement at Banking Review Meeting
The achievement was announced at a state-level banking review meeting chaired by Development Commissioner Mihir Kumar Singh. He stated that the milestone reflects stronger economic activity, rising investment, and growing public confidence in the banking system.
Singh emphasized that the improvement was the outcome of coordinated efforts by the state government, banks, and various departments. The meeting focused on reviewing the performance of banks in the state, with particular attention to loan disbursement, deposit growth, and credit flow to priority sectors.
Deposit and Loan Growth
Officials informed the meeting that total deposits in bank branches across Bihar rose to Rs 6,15,428 crore in 2025-26, while total loan disbursement increased to Rs 3,70,563 crore. Compared with 2024-25, deposits grew by Rs 51,983 crore and loan disbursement rose by Rs 37,882 crore.
Steady Improvement Over the Years
The state's CD ratio has shown steady improvement over the years. It stood at 44.09% in 2018-19 and has now climbed to 60.21% in 2025-26. Singh noted that the rise in credit flow has given fresh momentum to sectors such as agriculture, MSMEs, self-employment, women's empowerment, startups, and rural development.
Focus on Agriculture and Priority Sectors
Singh directed banks to pay special attention to increasing credit flow in agriculture and other priority sectors. He stressed the importance of the Kisan Credit Card (KCC) scheme, stating that timely loans to farmers remain a priority for the state government. Banks were instructed to simplify and speed up the process of KCC renewal and distribution.
Launch of Sahyog Shivir Camps
Chief Minister Samrat Choudhary will launch Sahyog Shivir camps from Tuesday to address public grievances. The camps will be held every 15 days and will also address banking-related issues, including KCC applications, renewals, and other loan-related problems. The meeting decided to integrate the KCC scheme with the Jan Samarth portal to enable farmers to access faster and more transparent digital loan services.
Bank-wise CD Ratio Performance
According to data presented at the meeting, the banks with the highest CD ratio in 2025-26 were:
- State Co-operative Bank at 168.78%
- Bandhan Bank at 153.32%
- Bank of Maharashtra at 145.72%
- HDFC Bank at 95.87%
- Kotak Mahindra Bank at 95.57%
Banks with relatively low CD ratios included:
- Indian Overseas Bank at 42.20%
- IDBI Bank at 43.47%
- State Bank of India at 43.63%
- Bank of India at 43.73%
- Punjab National Bank at 44.57%
Senior officials of banks, representatives of the State Level Bankers' Committee, and departmental officers attended the meeting.
