Patna: Bihar has recorded a major financial milestone by achieving a Credit Deposit (CD) Ratio of 60.21% in FY 2025-26, the first time the state has crossed the 60% mark. The achievement reflects rising credit flow, improved investment activity, and growing confidence in the banking sector.
The announcement was made during a state-level banking review meeting chaired by Development Commissioner Mihir Kumar Singh.
Strong Growth in Deposits and Loan Disbursement
Officials informed that banking activity in the state has shown significant growth:
- Total bank deposits: ₹6,15,428 crore
- Total loan disbursement: ₹3,70,563 crore
- Increase in deposits: ₹51,983 crore (compared to FY25)
- Increase in loans: ₹37,882 crore (compared to FY25)
The steady rise indicates stronger financial participation and improved credit accessibility across sectors.
CD Ratio Improves Sharply Over the Years
Bihar’s CD Ratio has shown consistent improvement over the years:
- FY 2018-19: 44.09%
- FY 2025-26: 60.21%
Officials said the growth has been driven by increased lending in agriculture, MSMEs, self-employment, women empowerment, startups, and rural development sectors.
Focus on Agriculture and Priority Sector Lending
Development Commissioner Mihir Kumar Singh emphasized that banks must further increase credit flow in agriculture and priority sectors.
He directed banks to:
- Speed up Kisan Credit Card (KCC) distribution
- Simplify loan renewal processes
- Ensure timely credit to farmers
He said strengthening rural credit is essential for inclusive economic growth in the state.
Integration of KCC with Jan Samarth Portal
The meeting also decided to integrate the Kisan Credit Card (KCC) scheme with the Jan Samarth portal, enabling:
- Faster loan approvals
- Transparent digital processing
- Easier access for farmers
Officials said this will improve efficiency and reduce delays in agricultural lending.
High-Performing Banks in Bihar
Several banks recorded strong CD ratios in FY26, including:
- State Co-operative Bank – 168.78%
- Bandhan Bank – 153.32%
- Bank of Maharashtra – 145.72%
- HDFC Bank – 95.87%
- Kotak Mahindra Bank – 95.57%
- ICICI Bank – 82.37%
- Axis Bank – 77.16%
- Bihar Gramin Bank – 64.95%
- Punjab & Sind Bank – 64.26%
- Jammu & Kashmir Bank – 63.11%
Concerns Over Low CD Ratio in Some Banks
Officials expressed concern over lower CD ratios in some major banks, including:
- State Bank of India – 43.63%
- Bank of India – 43.73%
- Punjab National Bank – 44.57%
- IDBI Bank – 43.47%
- Indian Overseas Bank – 42.20%
Banks were directed to increase lending, especially in productive sectors like agriculture and MSMEs.
“Sahyog Shivir” to Resolve Public Banking Issues
The government will launch “Sahyog Shivir” camps from May 19, aimed at resolving public banking issues. These camps will be held every 15 days and will also address KCC-related applications and renewals.
Bihar Push for Inclusive Economic Growth
Officials said the improvement in CD ratio reflects Bihar’s growing economic activity and stronger banking penetration. The government aims to further expand credit access and ensure financial services reach all sections of society.
About Bihar’s Banking Progress
Bihar has shown steady improvement in banking performance, driven by coordinated efforts between the state government, banks, and financial institutions, strengthening credit flow and supporting rural and urban development.
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