Basic Statistical Returns - Reserve Bank of India

system as a whoie based on sources other ‘than
the BSR. The figures of deposits and credit
are from the returns filed by scheduled commercial
banks under Section 42(2) ,of the Reserve
Bank of India Act, 19.34. The data on credit
to priority sectors are based on special returns
received from head offices of banks.
Tables 1.2 to 1.4 on deposits and credit
summarise the tables given in Section 2. The
data for December 1976 and 1977 are given
separately for all offices and for offices opened
after June 1969. Deposit figures exclude interbank
deposits’ whereas credit comprises loans,
cash credit, overdraft and bills purchased and
discounted and inclusive of dues from banks
and bills rediscounted under the New Bill
Market Scheme.
Table 1.6 brings out the differences in the
regional distribution of data on credit if the
same information is classified as per the district
of sanction and alternatively by district of
utilisation, State-wise figures of credit outstanding
are given according to both the location
of the office of sanction where the account
is operated and the location of the unit utilising
the loan.. The. difference between the .two
would indicate the extent to. which credit outstanding
in the books of bank offices in a state
is utilised in other states and vice versa.
Table 1‘7 gives the distribution of deposits
and credit according to bank group and population
group. Table 1.8 gives bank group-
.wise data.on savings deposits with and without
.cheque facility. This scheme was in vogue
only for December 1977 survey. Table 1.9
presents state-wise data on categories of staff
.employed by the scheduled commercial banks.
Tables 1 ,lO to 1.12 present the summary ,of
the data presented in Section 3.
Tables 1:5 and 1.13 to 1.16 summarise the
detailed classification of the data given in Section
4. Tables 1.5 and 1.13 give the distribution
of outstanding credit of scheduled commercial
banks according to occupation and size of
credit limit; respectively, on the basis of accc&ntwise
information given in BSR 1 - Part A
and consolidated information in BSR 1 -
Part B. Tables 1.14 to .I* 16, however, are
,based, on information in Part A and therefore,
relate cnly to accounts with credit iimit of over
Rs.‘lp,OOO. The total amount of credit covered
in these tables -will not, therefore, agree’ with
the total credit in Tables 1.5 and 1.13.
V
Section 2
., ‘. . ,.
Tables 2,l to 2.4 in this section give the
regional distribution of deposits and ,credit
of scheduled commercial banks , according
to various categories, viz., population - group;
bank-group, ‘state,, district and centre. In the
first two tables, figures for December. 1976
and 1977 are given in respect of all the offices
as well as the offices opened after June 1969.
In Table 2.4, data for centres having less than
two offices of scheduled commercial banks have
been grouped under ‘others’.
As explained earlier, the figures of total credit
in this section are on the basis of the district.
of sanction and not on the basis of the district
of utilisation.
Section 3
Tables 3.1 and 3.2 in this section present the
state-wise figures. of deposits according to type
with further classification as per populationgroups
and bank-groups. .Table 3.3 gives the
data on deposits, according to type for indiv.idual
districts.
Current deposits comprise the following types
of -deposits, (a) deposits subject to withdrawal
on demand (other than savings deposits), or
with a maturity period. of less than 15 ,days,
or on notice ,of less than 1 S,d+ys,. (b) call deposits
withdrawable not later than.14 days, (c) unclai-.
med deposits, (d) overdue fixed Ldeposits,, (e),
credit balance in cash credit. accounts and (f)
‘.
contingency unadJ,usted accounts if in the nature
of deposits. : :. .‘*:
Savings deposits are deposits accepted by
banks under their savings bank deposit ,rdles.
and would include special savings deposits,
Term deposits comprise .deposits with a flxed
maturity of not less than 15 days. or subject
to, notice of not less than 15 days,’ cash certi,
ficates, cumulative or recurring deposits as Well
as kuri and chit deposits. .’
The type of deposits ‘Others’ included staff
security deposits, margin deposits