BANK CREDIT BY COMMERCIAL BANKS IN BIHAR

Commerce

The overall credit growth in India has been of a high order, the expansion of agricultural credit and credit to small-scale industries sector has not kept pace with it. Retail credit, which is increasing from a very low base, has widened rapidly. While growth of consumption-led can help improve the growth rates in the economy, it would also result in increasing risks. The credit utilisation which in-turn impact the overall economic growth has to be mapped to understand whether same is being influenced by socio-economic upliftment. The objective of the priority sector loan is to ensure that the weaker sections of the society are provided with adequate credit so that the same can be used for the livelihood of the beneficiaries. In order to ensure that the loan was used for the intended purpose, utilization. In 1969, Regulation policy of the Government for banks has paid rich dividends with the nationalization of 14 major private banks. Today Banking has become instant and convenient, with the account holder not having to wait for hours at the bank counter for withdrawing money from his account or getting a draft. This paper deals with land development bank limited time exercises, and additionally unmistakably demonstrate the utilitarian project, limbs advance requisition methodology and generally speaking exercises about the area advancement bank. The credit –deposit ratio is an Indicator of progress of any financial institution like commercial banks. It indicates the level of credit deployment of banks in relation to deposits mobilized by them. A high credit-deposit ratio indicates that larger portion of deposits is used to earn maximum interests. The study has carried out with a purpose to present the performance of public sector banks through the c-d ratio in last decades by classifying credits and deposits along with the percentage. The current study is an attempt to find out the various factors that justify the performance of commercial banking in Bihar. In this study secondary data was used and the sample size of the study was from 2010 to 2015.

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