Chief Secretary flags low 61% credit-deposit ratio, calls for roadmap to bridge gap with national average
Srinagar, August 1: Banks operating in Jammu and Kashmir disbursed credit worth ₹84,384 crore to 19.37 lakh beneficiaries during the financial year 2025-26, exceeding the annual target by 8 per cent, according to figures reviewed at a meeting of the Jammu and Kashmir Union Territory Level Bankers’ Committee (UTLBC) here on Friday.
Of the total credit disbursed during the year, ₹44,228.30 crore was extended under the priority sector. J&K Bank accounted for 63.41 per cent of the total priority-sector credit disbursed in the Union Territory.
The figures were reviewed during the 19th meeting of the UTLBC, chaired by Chief Secretary Atal Dulloo at the Sher-i-Kashmir International Convention Centre (SKICC), where the performance of banks and Government departments in credit deployment and implementation of banking-related initiatives for FY2025-26 was assessed.
While expressing satisfaction over the achievement of priority-sector lending targets, Dulloo raised concerns over the Union Territory’s credit-deposit (CD) ratio, which currently stands at around 61 per cent against the national average of about 81 per cent.
The Chief Secretary called for a clear and time-bound roadmap from banks to progressively improve the CD ratio, stressing that higher credit deployment was necessary to ensure that local savings were channelled into productive investments within the region.
“While the overall performance under ACP is encouraging, the Credit-Deposit Ratio remains below the national average which is a cause of concern,” Dulloo said, according to an official statement.
He also called for greater banking outreach in rural and far-flung areas and directed banks to prepare a time-bound plan for establishing new brick-and-mortar branches over the next year.
Concern over priority-sector lending by PSBs
The Chief Secretary also expressed concern over the performance of several public sector banks in priority-sector lending, particularly in agriculture.
He urged banks to adopt a more proactive approach towards agricultural finance and view lending to the sector as a viable business opportunity. He also flagged the comparatively poor performance in education and housing finance and asked banks to examine the constraints affecting credit flow and introduce more competitive products and pricing.
Dulloo further noted that J&K continued to lag behind the national average in enrolment under the government’s flagship social-security schemes, including the Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY).
He called for intensified enrolment campaigns to expand coverage among eligible beneficiaries.
The Chief Secretary also directed banks to proactively engage with eligible farmers, women’s self-help groups, Udyam-registered MSMEs and artisans to onboard them onto the Unified Lending Interface, aimed at facilitating smoother and uninterrupted loan journeys.
Banking outreach, financial inclusion reviewed
The meeting reviewed the implementation of various government-sponsored schemes and discussed measures to improve credit flow, banking penetration and financial inclusion across the Union Territory.
It also deliberated on expanding banking infrastructure and strengthening coordination between government departments and banks to promote balanced and inclusive economic development.
Earlier, UTLBC Convener and J&K Bank Managing Director and CEO Amitava Chatterjee highlighted the role of the banking sector in the economic development of J&K.
He said the banking sector had witnessed significant operational and institutional growth in the Union Territory over the past two decades and remained committed to expanding banking services across its geographical areas.
Chatterjee said coverage of revenue centres with banking outlets under the National Strategy for Financial Inclusion 2025-30 would help ensure access to banking services in rural as well as urban areas of the Union Territory.
The meeting was attended by Financial Commissioner (Additional Chief Secretary), Finance Department, Shailendra Kumar; Regional Director, RBI, Chandrashekhar Azad; General Manager, NABARD, Vikas Mittal; Executive Director, J&K Bank, Sudhir Gupta; and senior officials from the Government, RBI, NABARD, J&K Bank and other banks operating in Jammu and Kashmir.
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Banks in Jammu and Kashmir recorded significant lending activity during the 2025–26 financial year, with total credit disbursements reportedly reaching ₹84,384 crore. A substantial share of this lending was attributed to J&K Bank, which accounted for 63.41% of the total.
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