Patna: Bihar’s credit-deposit (CD) ratio stood at 60.17% in the current financial year till the end of Sept, almost matching the 60.21% recorded in 2025-26.The ratio crossing the 60% mark is significant as it is the highest recorded in the state in the last two decades. It had remained around 45% between 2005 and 2010. In comparison, India’s national CD ratio stood at around 78.9% in the last fiscal.In the current fiscal, bank deposits in Bihar stood at Rs 6.49 lakh crore, while credit disbursement totalled Rs 3.90 lakh crore. Compared with the previous fiscal, deposits increased by Rs 33,797 crore and credit by Rs 20,092 crore.The figures were reviewed at a meeting chaired by development commissioner Mihir Kumar Singh on Friday. The meeting also reviewed Bihar’s annual credit plan (ACP) for 2026-27 and loan disbursement by commercial banks till Sept 30.The state’s ACP for 2026-27 has been fixed at Rs 4.95 lakh crore, nearly four times the state budget of Rs 1.25 lakh crore. The meeting noted that higher credit flow would help boost the state’s gross state domestic product (GSDP) and strengthen job creation across sectors.Till Sept 30, banks had disbursed 38.25% of the ACP target, with the amount being Rs 46,228 crore higher than the corresponding period of 2025-26.The highest loan disbursement, at 52.68% of the target, was recorded in the micro, small and medium enterprises (MSME) sector. Agriculture and other priority sectors were among the other key areas.For the first time in Bihar, banks were also rated at the meeting on a mutually agreed 100-point scale. The assessment was based on their performance against ACP loan disbursement targets, CD ratio and credit flow under identified popular schemes.Banks scoring 50 points or more were placed in the green zone, those scoring 40 to 50 in the yellow zone and those below 40 in the red zone. Eleven commercial banks were placed in the green category, seven in the yellow category and nine in the red zone.
