report of the working group on improvement of banking services

25
growth <strong>of</strong> deposits in <strong>the</strong> two years subsequent to 2004-05 to reach Rs.262.55 crore as on 30.11.2007, <strong>of</strong>
which Rs.181.40 crore represents Government deposits. Although <strong>the</strong>re has been corresponding growth in
credit in percentage terms during this period credit <strong>of</strong>f take in absolute terms is very low. The perceived factors
underlying this phenomenon are listed in <strong>the</strong> following paragraph in <strong>the</strong> discussion on Credit-Deposit Ratio.
The position <strong>of</strong> deposits and sector-wise position <strong>of</strong> advances as on 31.3.2007 was as under :
Table - 3.2
Position <strong>of</strong> deposits and advances as on 31-03-2007
Amount in 000's
Sl.No. Particulars No. Amount
1. Total Deposits 25355 2050611
2. Total Advances 3524 208998
3. CD Ratio 10.19%
4. a) Agri. & Allied Activities 648 18585
1. Direct finance 647 18440
2. Indirect finance 1 145
b) Small scale Industries 42 3547
c) Setting up <strong>of</strong> Industrial Estates for SSI -- --
d) Small Road & Water Transport operators 9 303
e) Retail Traders 256 19627
f) Small Business 100 4375
g) Pr<strong>of</strong>. & Self employed 94 6313
h) Education 6 1156
i) Housing loan to weaker Sections 92 26905
j) Consumption 20 648
k) Self Help Groups 0 0
Total Priority Sector Advances 1267 81459
5. Advances to weaker Sections <strong>of</strong> which 3154 185956
a) IRDP/SGSY 75 1595
b) DRI 2 8
c) Small & Marginal Farmers 569 16339
d) Artisans, Cottage & Village Industries 4 285
e) SC/ST 3154 185956
6. Advances under 20 Point Programme 2779 161641
7. PMRY 39 1025
8. Kissan Credit Card 266 8628
9. Minority Communities:
Chistians 17 3594
Muslims 3353 193340
Sikhs 0 0
TOTAL 3370 196934