Bihar’s CD ratio crosses 60% mark for first time
Patna: Bihar’s credit-deposit (CD) ratio crossed the 60% mark for the first time in 2025-26, a milestone achieved alongside bank deposits touching Rs6.5 lakh crore and significant progress in loan disbursement under the Annual Credit Plan (ACP).The achievement is particularly significant as the stat
By The Times of India
Patna: Bihar’s credit-deposit (CD) ratio crossed the 60% mark for the first time in 2025-26, a milestone achieved alongside bank deposits touching Rs6.5 lakh crore and significant progress in loan disbursement under the Annual Credit Plan (ACP).The achievement is particularly significant as the state’s CD ratio had remained between 35% and 40% from the mid-1980s through the 1990s and early 2000s.The figures were presented at the 97th State Level Bankers’ Committee (SLBC) meeting held in Patna on Tuesday.
The meeting was chaired by deputy CM and finance minister Bijendra Prasad Yadav.Among those who raised issues related to credit flow in their respective sectors were urban development and IT minister Nitish Mishra, rural development minister Shrawan Kumar, and animal and fisheries resources minister Nand Kishore Ram.Senior officials present at the meet included development commissioner Mihir Kumar Singh, finance department secretary Sanjay Kumar Singh, Union govt’s financial adviser Samar Kumar, RBI regional director Sujit Kumar, secretaries of various departments and senior officials of banks.Other key banking indicators for 2025-26 included a decline in non-performing assets (NPAs) to 6.91%, overall ACP achievement of 87%, agricultural credit achievement of 67%, and MSME credit achievement of 84% of the target.“The achievement of the banking sector in the state is appreciable and satisfactory.
However, it is also necessary that the maximum utilisation of bank deposits within the state should be directed towards promoting local investment, entrepreneurship and employment generation,” Yadav said.He urged banks to further increase lending to improve the state’s CD ratio.The finance minister announced that six-monthly reviews would be conducted for banks with a CD ratio below 50% and ACP achievement below 60% of the target.
He emphasised the need to channel banking resources towards Bihar’s economic development.On the occasion, Yadav also launched the Bihar Kisan Rin Portal, developed by the SLBC to make agricultural loan disbursement faster and more transparent.You Can Also Check: Gold Rate in Patna | Silver Rate in Patna | Bank Holidays in Patna | Public Holidays in Patna | Patna AQI | Weather in Patna | Petrol Price in Patna | Diesel Price in Patna | CNG Price in Patna | LPG Price in PatnaStay updated with the latest Patna news.
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