Indicus Centre for Financial Inclusion

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Banking

Progress of Commercial Banking at a Glance 
IMPORTANT INDICATORS June 1969 March 2004 March 2005 March 2006 March 2007 March 2008 March 2009 March 2010 March 2011 March 2012
No. of Commercial Banks 89 291 288 222 183 175 170 169 169 173
(a) Scheduled Commercial Banks 73 286 284 218 179 171 166 165 165 169
Of which: Regional Rural Banks 196 196 133 96 91 86 82 82 82
(b) Non-Scheduled Commercial Banks 16 5 4 4 4 4 4 4 4 4
Number of Offices of Scheduled Commercial Banks in India ^ 8262 67188 68355 69471 71839 76050 80547 85393 90263 98330
(a) Rural 1833 32121 32082 30579 30551 31076 31667 32624 33683 36356
(b) Semi-Urban 3342 15091 15403 15556 16361 17675 18969 20740 22843 25797
(c) Urban 1584 11000 11500 12032 12970 14391 15733 17003 17490 18781
(d) Metropolitan 1503 8976 9370 11304 11957 12908 14178 15026 16247 17396
Population per office (in thousands) 64.0 16.0 16.0 16.0 15.0 15.0 14.5 13.8 13.4 12.3
Deposits of Scheduled Commercial Banks in India (` Billion) 46.46 15422.84 & 17328.58 & 21090.49 26119.33 31969.39 38341.10 44928.26 52079.69 59090.82
of which: (a) Demand 21.04 2459.43 2650.33 3646.40 4297.31 5243.10 5230.85 6456.10 6417.05 6253.3
(b) Time 25.42 12963.42 14678.24 17444.09 21822.03 26726.30 33110.25 38472.16 45662.64 52837.52
Credit of Scheduled Commercial Banks in India (` Billion) 35.99 8655.94 11243.00 15070.77 19311.89 23619.14 27755.49 32447.88 39420.82 46118.52
Deposits of Scheduled Commercial Banks per office (` Million) 5.6 229.5 253.5 303.6 363.1 420.4 476.0 526.1 577.0 600.9
Credit of Scheduled Commercial Banks per office (` Million) 4.4 128.8 164.5 216.9 268.5 310.6 344.6 380.0 436.7 469.0
Per Capita Deposits of Scheduled Commercial Banks (`) 88 14550 16091 19276 23468 28327 33471 38062 43034 48732
Per Capita Credit of Scheduled Commercial Banks (`) 68 8166 10440 13774 17355 20928 24230 27489 32574 38033
Deposits of Scheduled Commercial Banks as percentage of National Income (NNP at Factor Cost, at current prices) 15.5 68.5 68.5 73.8 79.1 84.4 88.1 86.6 82.3 81.1
Scheduled Commercial Banks’ Advances to Priority Sector (` Billion) 5.04 3113.35 4007.75 5467.74 7037.56 8247.73 9674.14 11384.06 13373.33 14909.15
Share of Priority Sector Advances in Total Credit of Scheduled Commercial Banks (per cent) 14.0 37.1 36.7 37.2 36.5 34.9 34.8 35.1 33.9 32.3
Share of Priority Sector Advances in Total Non-Food Credit of Scheduled Commercial Banks (per cent) 15.0 38.8 38.1 38.2 37.4 35.6 35.4 35.6 34.5 32.9
^ Excludes Administrative Offices

Source: Reserve Bank of India

Trends in Banking Parameters in India
Items 31st March 2007 2008 2009 2010 2011 2012
Distribution of New Branches (%) Total 100 100 100 100 100 100
  Rural 9 14 18 19 24 33
  Semi-urban 31 31 32 33 41 37
  Urban 35 31 26 27 17 16
  Metro 26 24 24 21 18 14
Distribution of Deposits Accounts (%) Total 100 100 100 100 100 ..
  Rural 29 29 30 31 31 ..
  Semi-urban 26 26 26 26 26 ..
  Urban 22 22 21 21 21 ..
  Metro 24 24 23 23 22 ..
Distribution of Loan Accounts (%) Total 100 100 100 100 100 ..
  Rural 33 31 31 31 32 ..
  Semi-urban 23 22 23 23 24 ..
  Urban 14 13 13 14 14 ..
  Metro 30 33 33 33 30 ..
Average population per branch (in '000s) Total 15.7 15.1 14.5 13.8 13.3 12.6
Number of Banked Centres (Scheduled Commercial Banks) Total 34,399 34,426 34,636 34,801 35,151 36,391

"..": Not available.
Source: Reserve Bank of India and Census data

State-wise Number of Offices of Commercial Banks and Average
Population Per Bank Office - March 2009
States Total Offices Average Population Per Bank Office (In Thousands)
All-India 82,485 14
Andaman & Nicobar Islands 37 11
Andhra Pradesh 6,721 12
Arunachal Pradesh 77 16
Assam 1,420 21
Bihar 3,909 24
Chandigarh 312 3
Chhattisgarh 1,255 19
Dadra & Nagar Haveli 24 11
Daman & Diu 18 11
Delhi 2,311 8
Goa 424 4
Gujarat 4,486 13
Haryana 2,202 11
Himachal Pradesh 962 7
Jammu & Kashmir 1,007 13
Jharkhand 1,750 17
Karnataka 5,998 10
Kerala 4,186 8
Lakshadweep 11 6
Madhya Pradesh 4,092 17
Maharashtra 7,900 14
Manipur 81 33
Meghalaya 206 12
Mizoram 95 10
Nagaland 87 25
Orissa 2,756 15
Puducherry 129 8
Punjab 3,357 8
Rajasthan 4,042 16
Sikkim 71 8
Tamil Nadu 6,144 11
Tripura 219 16
Uttar Pradesh 9,896 20
Uttarakhand 1,107 9
West Bengal 5,193 17

Source: Reserve Bank of India

 DISTRIBUTION OF BANKING CENTRES ACCORDING TO STATE AND POPULATION GROUP
(AS AT THE END OF MARCH 2011 and 2012)
POPULATION GROUP RURAL SEMI-URBAN URBAN METROPOLITAN ALL CENTRES
State 2011 2012 2011 2012 2011 2012 2011 2012 2011 2012
Haryana 669 758 139 142 19 19 1 1 828 920
Himachal Pradesh 636 645 13 13 1 1 0 0 650 659
Jammu & Kashmir 464 491 39 40 3 3 0 0 506 534
Punjab 1041 1104 134 135 14 14 2 2 1191 1255
Rajasthan 1626 1687 273 274 18 18 1 1 1918 1980
Chandigarh 9 10 1 1 1 1 0 0 11 12
Delhi 50 65 22 25 0 0 1 1 73 91
Arunachal Pradesh 48 50 10 10 0 0 0 0 58 60
Assam 704 709 67 68 6 6 0 0 777 783
Manipur 34 39 13 14 2 2 0 0 49 55
Meghalaya 119 121 14 14 2 2 0 0 135 137
Mizoram 57 58 8 8 1 1 0 0 66 67
Nagaland 36 38 12 12 0 0 0 0 48 50
Tripura 106 112 24 24 1 1 0 0 131 137
Bihar 2221 2282 440 445 18 18 1 1 2680 2746
Jharkhand 892 921 85 86 6 6 1 1 984 1014
Orissa 1541 1572 103 103 8 8 0 0 1652 1683
Sikkim 36 38 1 1 0 0 0 0 37 39
West Bengal 2155 2201 295 303 58 58 2 2 2510 2564
Andaman & Nicobar Islands 16 17 2 2 0 0 0 0 18 19
Chhattisgarh 594 630 73 74 7 7 0 0 674 711
Madhya Pradesh 1520 1560 272 275 23 23 2 2 1817 1860
Uttar Pradesh 4470 4785 643 659 47 47 6 6 5166 5497
Uttaranchal 506 533 41 43 3 3 0 0 550 579
Goa 130 133 23 23 0 0 0 0 153 156
Gujarat 1354 1441 278 280 21 21 4 4 1657 1746
Maharashtra 2001 2071 481 484 33 33 9 9 2524 2597
Dadra & Nagar Haveli 7 8 2 2 0 0 0 0 9 10
Daman & Diu 2 2 4 4 0 0 0 0 6 6
Andhra Pradesh 2236 2407 547 558 37 37 3 3 2823 3005
Karnataka 1951 2141 299 303 23 23 1 1 2274 2468
Kerala 265 275 1030 1063 10 10 0 0 1305 1348
Tamil Nadu 1590 1728 572 595 25 25 1 1 2188 2349
Lakshadweep 7 7 2 2 0 0 0 0 9 9
Pondicherry 26 27 7 7 2 2 0 0 35 36
ALL INDIA 29119 30666 5969 6092 389 389 35 35 35512 37182

The data are based on Master Office File of bank branches, which is regularly updated, as such, the information presented in this table is the latest and may not match with those published earlier.
Source: Basic Statistical Returns of Banks, Reserve Bank of India

Kisan Credit Card Scheme: State-wise Progress
(As at end-March 2012)
(Amount in Rs. billion and Number of cards issued in '000)
State/UT Cooperative Banks Regional Rural Banks Commercial Banks Total
  Cards issued Amount
sanctioned
Cards issued Amount
sanctioned
Cards issued Amount
sanctioned
Cards issued Amount
sanctioned
India 2,961 106.4 1,995 115.2 6,804 695.1 11,760 916.8
Northern region 189 9.8 188 26.1 745 152.7 1,122 188.6
Haryana 26 1.8 47 6.2 118 25.7 191 33.7
Himachal Pradesh 13 1.9 16 1.7 34 3.6 63 7.2
Jammu & Kashmir 1 0.04 8 0.5 5 0.4 14 0.9
New Delhi #$ - - - - 5 1.3 5 1.3
Punjab 24 2.3 25 5.4 165 59.5 214 67.2
Rajasthan 125 3.8 92 12.3 416 61.6 633 77.7
Chandigarh #$ - - - - 2 0.6 2 0.6
North-eastern region 31 0.3 130 2.8 236 7.8 397 10.9
Assam 7 0.1 84 2.3 160 5.4 251 7.8
Arunachal Pradesh # - - - - 7 0.2 7 0.2
Meghalaya # 3 0.03 2 0.04 20 0.7 25 0.7
Mizoram# - 0.01 1 0.02 5 0.3 6 0.3
Manipur # - - - - 3 0.1 3 0.1
Nagaland # - - - - 11 0.4 11 0.4
Tripura # 21 0.2 43 0.5 28 0.7 92 1.4
Sikkim#$ - - - - 2 0.1 2 0.1
Western region 333 10.2 83 4.1 895 93.0 1,311 107.3
Gujarat 126 3.3 37 2.0 200 29.0 363 34.3
Maharashtra 206 6.9 46 2.1 694 63.8 946 72.8
Goa $ 1 0.02 - - 1 0.2 2 0.2
Daman and Diu @#$ - - - - - 0.03 - 0.03
Dadra and Nagar Haveli @$ - - - - - 0.01 - 0.01
Central region 1,192 57.9 682 42.8 1,349 147.4 3,223 247.9
Uttar Pradesh 476 9.4 521 32.2 946 98.9 1,943 140.4
Uttarakhand 48 1.1 8 0.5 80 9.0 136 10.6
Madhya Pradesh 473 39.6 79 8.1 289 36.7 841 84.4
Chhattisgarh 195 7.7 74 2.0 34 2.8 303 12.5
Southern region 419 17.3 352 17.7 2,509 243.2 3,280 278.1
Karnataka 109 4.2 93 6.0 427 49.6 629 59.8
Kerala 129 7.0 51 4.1 162 24.3 342 35.4
Andhra Pradesh ** 27 1.7 143 5.2 1,244 82.0 1,414 88.9
Tamil Nadu 154 4.3 65 2.4 662 86.2 881 92.9
Lakshdweep @$ - - - - 1 0.02 1 0.02
Puducherry # - - - - 13 1.1 13 1.1
Eastern region 797 11.0 560 21.6 1,070 50.9 2,427 83.5
Odisha 674 8.0 84 1.5 250 8.4 1,008 17.9
West Bengal 77 2.1 203 6.1 331 14.0 611 22.2
Andaman and Nicobar Islands #$ 1 0.03 -   1 0.01 2 0.0
Bihar 35 0.8 204 12.9 345 23.4 584 37.1
Jharkhand** 10 0.1 69 1.1 143 5.1 222 6.3

# StCB functions as Central Financing Agencies
@ No Cooperative Banks in theseUTs.
$ No RRB in these States/UTs.
** Data under reconciliation.
() Data pertaining to Commercial Banks upto September 30, 2011.

Source: NABARD