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“Basic Statistical Returns of Scheduled Commercial Banks in India (www.rbi.org.in/scripts/AnnualPublications.aspx?head=Basic Statistical Returns) ”, provides detailed micro level data on different dimensions of deposits and credit of the banking sector viz. type of account, organization, interest rate range and size of credit limit along with information on population group, bank group, state and district-wise credit data according to type of occupation. A unique feature of this publication is that it covers spatial distribution of both credit sanctioned and credit utilized.
The information is collected from bank branches through Basic Statistical Returns 1 & 2 (BSR 1&2). Under BSR 1, account level data for loan accounts with credit limit more than ` 2 lakh and occupation-wise consolidated data for loan accounts with credit limit up to ` 2 lakh (small borrowal accounts) collected branch-wise. Under BSR 2, branch-wise data on type of deposits, maturity pattern of term deposits and staff are collected. The present volume, 39th in the series, provides data of scheduled commercial banks as on 31st March 2010.
Salient Features
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At the end of March 2010 gross outstanding credit of scheduled commercial banks amounted to ` 33,45,169 crore registering an increase of 17.5 per cent as against an increase of 17.8 per cent in the previous year.
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Aggregate deposits amounted to ` 45,61,029 crore registering a growth of 16.3 per cent in 2010 as against 20.7 per cent a year ago.
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The number of borrowal accounts increased to 11.9 crore in 2010 from 11.0 crore in 2009, i.e. by 7.8 per cent.
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The number of deposit accounts in 2010 increased by 11.0 per cent to 73.5 crore from about 66.2 crore in March 2009.
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Small borrowal accounts (with credit limit up to ` 2 lakh) comprising 86.5 per cent of total number of accounts (87 per cent in 2009) had a share of 10.8 per cent in outstanding credit (12.3 in 2009).
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The distribution of outstanding credit according to interest rate ranges for accounts each with credit limit of over ` 2 lakh revealed that the proportion of outstanding amount was the highest at 32.3 per cent in the range of 10 – 12 per cent followed closely by the next lower range of 6 – 10 per cent with a share of 31.4 per cent.
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The weighted average interest rate in respect of all loans and advances with credit limit of over ` 2 lakh worked out to be 10.5 per cent as at the end of March 2010 as compared to 11.5 per cent in the previous year.
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The share of term deposits in total deposits reduced to 60.8 per cent in 2010 from 63.5 per cent in 2009. The share of current deposits and saving deposits was at 12.2 per cent and 27.0 per cent, respectively in 2010 as against 12.0 and 24.5 per cent in 2009.
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The weighted average interest rate of term deposits in 2010 worked out to 7.0 per cent as compared to 8.8 per cent as at end-March 2009.
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The interest rate spread on bank credit (large borrowal account with credit limit over ` 2 lakhs) over term deposits was at 3.6 per cent in 2010 compared to 2.6 per cent in 2009.
The copies of publication/CD are available in the Sales Section (DRRP), Amar Building (Ground floor), P. M. Road, Reserve Bank of India, Department of Economic and Policy Research, Fort, Mumbai - 400 001. This publication is also available at the Reserve Bank’s Website on the Internet at URL: www.rbi.org.in (www.rbi.org.in/)
Ajit Prasad
Assistant General Manager
Press Release : 2011-2012/164
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