A Study of Credit Deposit Ratio in Selected States of Western India

Puneet Verma and Nitin Kumar

The IUP Journal of Bank Management, 2007, vol. VI, issue 4, 31-39

Abstract: The main objective of the study is to perform a comparative analysis of the Credit Deposit (CD) ratio of Scheduled Commercial Banks of the three major states of the western part of India, viz., Rajasthan, Gujarat and Maharashtra, and India as a whole as well as in consideration with a number of banks and per capita income of those states over the last 29 years (1977-2005). It is found that the behavior of CD ratio among all the three states is significantly different for the period of study. Maharashtra which is the backbone of growth and progress of Indian economy has been more volatile but performing well in terms of CD ratio, whereas Rajasthan and Gujarat are stable at lower level. There exists a lot of scope for branch expansion and improvement of service quality by the banks in Gujarat and Rajasthan.

Date: 2007
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