Banks in India

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Number of branches and ATMs


The chart 'Big entry'is from the article 'India Post readies plan to start bank'/ By Sidhartha & Saurabh Sinha, The Times of India , 14 March, 2013/ The Times of India

“Bank access:” the relative performance on Indian state, 2009-11

South tops in bank access; Maha, Guj below national avg


The Times of India

New Delhi: Southern states have emerged on top on financial inclusion parameters, while the east and some of the developed states of the west — including Gujarat and Maharashtra — are below the national average.

Ratings and analytics firm Crisil on Tuesday released a new index on financial inclusion, using bank branch, credit and deposit penetration (per lakh population) to assign scores to each district and arrive at a score for every state and Union Territory.

The states that used banks the most and the least in 2009-11.
Bank penetration score for 2009-11.

Puducherry topped the list, followed by Chandigarh and Kerala. In fact, most of the top slots were occupied by smaller states and Union territories with Goa and Delhi at number four and five.

Although the poor performance of the Bimaru states was on expected lines, laggards Gujarat and Maharashtra, which rank high on industrialization and income levels, came as a surprise.

The two western states ranked 18 and 19 among 35 states and UTs. Against a national average of 40.1, Gujarat’s score was 38.6, and Maharashtra’s 37.5. Maharashtra is ranked 19th out of 35 states and UTs. Even Andaman & Nicobar, Odisha, Sikkim and Tripura fared better.

Delhi ranked 5th in fin inclusion But National Capital’s Bank Access Score Falls, Shows Study

New Delhi: Had it not been for Mumbai, Maharashtra would have fared even worse than 19th rank out of 35 states and Union territories in terms of financial inclusiveness. In case of Gujarat, Porbandar, ranked 115 (among Gujarat dustricts), had the highest level of financial inclusion in the state, according to Crisil’s Inclusix. Delhi ranked fifth among 35 states and Union Territories despite a fall in its financial inclusion score.

In terms of districts, five from Kerala made it to the top six in the country with Pathanamthitta occupying the numero uno slot followed by Karaikal in Puducherry and Thiruvananthapuram, Ernakulam, Kottayam and Thrissur.

Given the low banking penetration in the East and the North-East, Kurung Kumey in Arunachal Pradesh was ranked at the bottom of the rankings covering 632 districts with a score of 5.5, nearly one-eighth the national average. Nine out of the 10 least scoring states on the index were in the eastern and north-eastern regions.

In contrast, the southern region led on all three parameters used to build the index (see table). In terms of districts, 103 of the 107 districts in the South had scores higher than the national average, with 36 making it to the top 50 list for the country. In fact, 17 of the top 20 districts were from southern states and Union Territories with Mumbai (11), Mumbai suburban (16) and Chandigarh (18) being the exceptions.

When it comes to changes, between 2011, the year for which the index has been released, and 2009, the year for which it was first prepared, the picture is mixed. Kolkata saw the maximum deterioration in score, followed by Delhi, which may be explained by the fact that the population has grown faster than the pace at which banking penetration has increased. Rangareddy in Andhra Pradesh saw the maximum improvement, followed by Kinnaur in Himachal Pradesh and Mahe in Puducherry.

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