Archive · 1 Feb 2026
UP Aims to Raise Credit-Deposit Ratio to 62% by March 2026
The Chief Minister of Uttar Pradesh, Yogi Adityanath, had a meeting with bank leaders to talk about increasing the state's Credit-Deposit (CD) ratio.
This ratio is a measure of how much money banks lend compared to how much they have in deposits.
The current ratio is 60.39%, and the goal is to reach 62% by March 2026.
The Chief Minister wants banks to help more people get loans, especially for small businesses and farmers.
He also mentioned new schemes like One District-One Cuisine (ODOC) to support local food traditions.
The state has seen a lot of growth in banking over the past few years, with more deposits and loans being given out.
The meeting also discussed how well the state has done in financial inclusion, like opening new bank accounts and enrolling people in insurance schemes.
Uttar Pradesh's total Credit-Deposit (CD) ratio reached 60.39% by December 2025, the highest in the last ten years.
Chief Minister Yogi Adityanath set a target to increase the CD ratio to over 62% by March 2026.
The number of districts with a CD ratio of less than 40% has decreased from 20 in March 2018 to 5 currently.
The state government introduced the One District-One Cuisine (ODOC) scheme to support small traders and artisans, with banks encouraged to provide financial support.
Uttar Pradesh's banking system has seen significant growth, with total deposits increasing from ₹8.92 lakh crore in March 2017 to ₹20.44 lakh crore in December 2025.
- Who
- Uttar Pradesh Chief Minister Yogi Adityanath and bank representatives
- What
- Meeting to discuss increasing the state's Credit-Deposit (CD) ratio and other financial initiatives
- When
- Meeting held on Sunday (specific date not mentioned), target set for March 2026
- Where
- Uttar Pradesh, India
- Why
- To improve the state's financial health and support various sectors through increased credit flow
- Current CD Ratio
- 60.39% (as of December 2025)
- Target CD Ratio
- 62% (by March 2026)
- Districts with CD Ratio < 40%
- 5 (as of now, down from 20 in March 2018)
- Total Deposits (Dec 2025)
- ₹20.44 lakh crore
- Total Loans (Dec 2025)
- ₹12.34 lakh crore
- Total Banking Business (Dec 2025)
- ₹32.79 lakh crore
- MSME Sector Growth (Dec 2024-Dec 2025)
- Over 23%
- New Jan Dhan Accounts (July-Oct 2025)
- 22.24 lakh