Patna: Bihar has achieved a Credit Deposit (CD) Ratio of more than 60% for the first time, reaching 60.21% in the financial year 2025-26, according to the state government.
The development was announced during a state-level banking review meeting chaired by Bihar Development Commissioner Mihir Kumar Singh on May 18.
Describing the achievement as a significant indicator of economic growth and banking confidence, Singh said the milestone reflected coordinated efforts between the state government, banks and related departments.
Deposits and Loan Disbursement Increase
During the meeting, officials reviewed banking performance, loan disbursement and credit flow in priority sectors including agriculture and micro, small and medium enterprises (MSMEs).
According to data presented at the meeting, 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 to the previous financial year, bank deposits increased by Rs 51,983 crore and loan disbursement rose by Rs 37,882 crore.
Officials also noted that Bihar’s CD Ratio has steadily improved from 44.09% in 2018-19 to 60.21% in 2025-26.
Singh said increased credit flow in agriculture, MSMEs, self-employment, women’s empowerment, startups and rural development had contributed to renewed economic activity in the state.
Focus on Agriculture and KCC Scheme
The Development Commissioner directed banks to strengthen implementation of the Kisan Credit Card (KCC) scheme and ensure timely loan access for farmers.
He instructed banks to simplify and speed up the process of KCC renewal and distribution.
Singh also announced that Chief Minister Samrat Choudhary will launch “Sahyog Shivir” camps from May 19 to address public grievances related to banking services, including KCC applications, renewals and other loan-related issues.
The camps are expected to be organised every 15 days.
Officials further informed the meeting that the KCC scheme would be integrated with the “Jan Samarth” portal to facilitate faster and more transparent digital loan access for farmers.
Banks with Highest CD Ratio
According to the data reviewed at the meeting, the following banks recorded the highest CD Ratio in Bihar during 2025-26:
- Bihar 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
The meeting also expressed concern over comparatively lower CD Ratios recorded by several major banks.
These included:
- Indian Overseas Bank – 42.20%
- IDBI Bank – 43.47%
- State Bank of India – 43.63%
- Bank of India – 43.73%
- Punjab National Bank – 44.57%
Singh directed these banks to increase credit disbursement in Bihar, particularly in agriculture, MSMEs and other priority sectors.
He said the state government aimed to further strengthen economic activity and expand banking access across all sections of society.
Senior officials from various banks, representatives of the State Level Bankers’ Committee (SLBC) and officials from related departments attended the meeting.
