{
 "meta": {
  "latestPeriod": "2026-03-01",
  "dossier": "credit-place",
  "source": "Reserve Bank of India (via DBIE)",
  "mock": false,
  "geo": "IND",
  "releaseDate": null,
  "revisionPolicy": "Section 42 figures are provisional, then final; sectoral credit is provisional and revised the next month; NPAs and capital ratios are final on release. Seams disclosed, never joined: the 2019 sectoral classification, the July 2023 HDFC merger, the December 2025 reporting calendar.",
  "vintage": "2026-10-09",
  "frequency": "annual",
  "base": "Spatial statements, annual, including regional rural banks",
  "unit": "pct",
  "coverage": "Credit-deposit ratio of every state and union territory: credit booked in the state as a share of deposits booked there, every March since 2023",
  "note": "RBI quarterly statistics on deposits and credit of scheduled commercial banks, statement 3A (DBIE 1427), including regional rural banks. Summed over bank groups and population groups to each state; by the location of the branch that books the deposit or loan. Dated to the last month of each quarter."
 },
 "dates": [
  "2023-03-01",
  "2024-03-01",
  "2025-03-01",
  "2026-03-01"
 ],
 "series": {
  "all_india": {
   "name": "all_india_cd_ratio_pct",
   "label": "All India, credit-deposit ratio",
   "data": [
    75.44,
    79.04,
    79.52,
    81.84
   ],
   "color": "#2E4BD8",
   "unit": "pct"
  },
  "andaman_and_nicobar_islands": {
   "name": "andaman_and_nicobar_islands_cd_ratio_pct",
   "label": "Andaman and Nicobar Islands, credit-deposit ratio",
   "data": [
    51.6,
    52.79,
    51.64,
    53.66
   ],
   "unit": "pct"
  },
  "andhra_pradesh": {
   "name": "andhra_pradesh_cd_ratio_pct",
   "label": "Andhra Pradesh, credit-deposit ratio",
   "data": [
    144.67,
    153.5,
    151.08,
    152.27
   ],
   "unit": "pct"
  },
  "arunachal_pradesh": {
   "name": "arunachal_pradesh_cd_ratio_pct",
   "label": "Arunachal Pradesh, credit-deposit ratio",
   "data": [
    27.31,
    29.91,
    31.02,
    33.32
   ],
   "unit": "pct"
  },
  "assam": {
   "name": "assam_cd_ratio_pct",
   "label": "Assam, credit-deposit ratio",
   "data": [
    51.94,
    57.94,
    62.74,
    65.54
   ],
   "unit": "pct"
  },
  "bihar": {
   "name": "bihar_cd_ratio_pct",
   "label": "Bihar, credit-deposit ratio",
   "data": [
    46.14,
    50.5,
    51.39,
    52.15
   ],
   "unit": "pct"
  },
  "chandigarh": {
   "name": "chandigarh_cd_ratio_pct",
   "label": "Chandigarh, credit-deposit ratio",
   "data": [
    75.65,
    72.76,
    71.91,
    79.56
   ],
   "unit": "pct"
  },
  "chhattisgarh": {
   "name": "chhattisgarh_cd_ratio_pct",
   "label": "Chhattisgarh, credit-deposit ratio",
   "data": [
    72.2,
    75.91,
    79.25,
    82.92
   ],
   "unit": "pct"
  },
  "dadra_and_nagar_haveli_and_daman_and_diu": {
   "name": "dadra_and_nagar_haveli_and_daman_and_diu_cd_ratio_pct",
   "label": "Dadra and Nagar Haveli and Daman and Diu, credit-deposit ratio",
   "data": [
    38.11,
    44.07,
    44.94,
    45.23
   ],
   "unit": "pct"
  },
  "goa": {
   "name": "goa_cd_ratio_pct",
   "label": "Goa, credit-deposit ratio",
   "data": [
    25.06,
    26.61,
    26.72,
    27.92
   ],
   "unit": "pct"
  },
  "gujarat": {
   "name": "gujarat_cd_ratio_pct",
   "label": "Gujarat, credit-deposit ratio",
   "data": [
    71.46,
    74.36,
    79.68,
    84.57
   ],
   "unit": "pct"
  },
  "haryana": {
   "name": "haryana_cd_ratio_pct",
   "label": "Haryana, credit-deposit ratio",
   "data": [
    58.39,
    66.48,
    68.19,
    69.93
   ],
   "unit": "pct"
  },
  "himachal_pradesh": {
   "name": "himachal_pradesh_cd_ratio_pct",
   "label": "Himachal Pradesh, credit-deposit ratio",
   "data": [
    33.19,
    35.64,
    37.78,
    39.43
   ],
   "unit": "pct"
  },
  "jammu_and_kashmir": {
   "name": "jammu_and_kashmir_cd_ratio_pct",
   "label": "Jammu and Kashmir, credit-deposit ratio",
   "data": [
    55.57,
    58.38,
    56.88,
    57.24
   ],
   "unit": "pct"
  },
  "jharkhand": {
   "name": "jharkhand_cd_ratio_pct",
   "label": "Jharkhand, credit-deposit ratio",
   "data": [
    34.23,
    37.13,
    39.34,
    41.51
   ],
   "unit": "pct"
  },
  "karnataka": {
   "name": "karnataka_cd_ratio_pct",
   "label": "Karnataka, credit-deposit ratio",
   "data": [
    64.52,
    68.94,
    67.7,
    67.03
   ],
   "unit": "pct"
  },
  "kerala": {
   "name": "kerala_cd_ratio_pct",
   "label": "Kerala, credit-deposit ratio",
   "data": [
    65.81,
    70.32,
    68.79,
    70.13
   ],
   "unit": "pct"
  },
  "ladakh": {
   "name": "ladakh_cd_ratio_pct",
   "label": "Ladakh, credit-deposit ratio",
   "data": [
    40.38,
    43.64,
    43.27,
    44.2
   ],
   "unit": "pct"
  },
  "lakshadweep": {
   "name": "lakshadweep_cd_ratio_pct",
   "label": "Lakshadweep, credit-deposit ratio",
   "data": [
    10.25,
    10.93,
    12.68,
    12.49
   ],
   "unit": "pct"
  },
  "madhya_pradesh": {
   "name": "madhya_pradesh_cd_ratio_pct",
   "label": "Madhya Pradesh, credit-deposit ratio",
   "data": [
    71.74,
    75.78,
    78.27,
    78.48
   ],
   "unit": "pct"
  },
  "maharashtra": {
   "name": "maharashtra_cd_ratio_pct",
   "label": "Maharashtra, credit-deposit ratio",
   "data": [
    98.58,
    98.52,
    96.51,
    99.89
   ],
   "unit": "pct"
  },
  "manipur": {
   "name": "manipur_cd_ratio_pct",
   "label": "Manipur, credit-deposit ratio",
   "data": [
    72.5,
    74.03,
    76.55,
    81.94
   ],
   "unit": "pct"
  },
  "meghalaya": {
   "name": "meghalaya_cd_ratio_pct",
   "label": "Meghalaya, credit-deposit ratio",
   "data": [
    37.52,
    41.12,
    40.34,
    42.71
   ],
   "unit": "pct"
  },
  "mizoram": {
   "name": "mizoram_cd_ratio_pct",
   "label": "Mizoram, credit-deposit ratio",
   "data": [
    47.07,
    50.79,
    51.46,
    49.85
   ],
   "unit": "pct"
  },
  "nagaland": {
   "name": "nagaland_cd_ratio_pct",
   "label": "Nagaland, credit-deposit ratio",
   "data": [
    48.96,
    51.48,
    52.12,
    56.04
   ],
   "unit": "pct"
  },
  "delhi": {
   "name": "delhi_cd_ratio_pct",
   "label": "Delhi, credit-deposit ratio",
   "data": [
    89.7,
    90.26,
    89.57,
    88.65
   ],
   "unit": "pct"
  },
  "odisha": {
   "name": "odisha_cd_ratio_pct",
   "label": "Odisha, credit-deposit ratio",
   "data": [
    43.95,
    48.02,
    48.14,
    49.04
   ],
   "unit": "pct"
  },
  "puducherry": {
   "name": "puducherry_cd_ratio_pct",
   "label": "Puducherry, credit-deposit ratio",
   "data": [
    66.52,
    69.94,
    71.96,
    78.67
   ],
   "unit": "pct"
  },
  "punjab": {
   "name": "punjab_cd_ratio_pct",
   "label": "Punjab, credit-deposit ratio",
   "data": [
    53.67,
    58.3,
    58.5,
    59.65
   ],
   "unit": "pct"
  },
  "rajasthan": {
   "name": "rajasthan_cd_ratio_pct",
   "label": "Rajasthan, credit-deposit ratio",
   "data": [
    81.58,
    86.66,
    88.6,
    92.83
   ],
   "unit": "pct"
  },
  "sikkim": {
   "name": "sikkim_cd_ratio_pct",
   "label": "Sikkim, credit-deposit ratio",
   "data": [
    42.78,
    44.17,
    43.38,
    43.5
   ],
   "unit": "pct"
  },
  "tamil_nadu": {
   "name": "tamil_nadu_cd_ratio_pct",
   "label": "Tamil Nadu, credit-deposit ratio",
   "data": [
    105.68,
    112.83,
    115.16,
    120.55
   ],
   "unit": "pct"
  },
  "telangana": {
   "name": "telangana_cd_ratio_pct",
   "label": "Telangana, credit-deposit ratio",
   "data": [
    103.28,
    109.9,
    111.57,
    113.18
   ],
   "unit": "pct"
  },
  "tripura": {
   "name": "tripura_cd_ratio_pct",
   "label": "Tripura, credit-deposit ratio",
   "data": [
    41.47,
    44.33,
    43.25,
    45.17
   ],
   "unit": "pct"
  },
  "uttar_pradesh": {
   "name": "uttar_pradesh_cd_ratio_pct",
   "label": "Uttar Pradesh, credit-deposit ratio",
   "data": [
    45.88,
    49.88,
    50.9,
    52.01
   ],
   "unit": "pct"
  },
  "uttarakhand": {
   "name": "uttarakhand_cd_ratio_pct",
   "label": "Uttarakhand, credit-deposit ratio",
   "data": [
    36.45,
    40.39,
    41.5,
    43.63
   ],
   "unit": "pct"
  },
  "west_bengal": {
   "name": "west_bengal_cd_ratio_pct",
   "label": "West Bengal, credit-deposit ratio",
   "data": [
    47.36,
    49.25,
    51.54,
    55
   ],
   "unit": "pct"
  }
 }
}