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Small Savings in Post Offices

Saturday, 01 November 2008 00:00
Post offices are a major source of small savings in India. Interestingly, the
states with better developed financial services infrastructure,
also lead in post office savings, indicating the confidence of the Indian
population in this institution.
The districts depicted in the darkest shade have post office deposits of the
order of Rs 40 to 620 billion each.
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Credits of Scheduled Commercial Banks – a few highlights

Indian Financial Scape

The top 5 districts of India corner a very large share of the credit in
India.
In most categories the 10th ranked district is less than 10% of the
value of the top ranked district (usually Mumbai). This reflects the
lop sided nature of development India, where the economic activity
is concentrated around a few key centres.

Mumbai (suburban), Chennai, Mumbai, Bangalore and Delhi are the top 5
districts in terms of number of individual loan accounts. The 30th ranked
district has only 1.7% the number of individual loan accounts in Mumbai
(Suburban)
Top 30 districts by number of individual
loan accounts in Scheduled Commercial
Banks
No. of SCB`s
accounts:
individual loans
(the top district
has index value
District 100)
Mumbai (Suburban) 100.0
Chennai 71.6
Mumbai 35.1
Bangalore 32.5
Delhi 26.3
Perambalur 13.0
Hyderabad 7.6
Kolkata 7.6
Pune 5.2
Coimbatore 4.3
Ahmadabad 4.0
Jaipur 3.8
Ernakulam 3.3
Thiruvananthapuram 3.0
Kamrup 2.9
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Lucknow 2.7
Krishna 2.3
Chandigarh 2.2
Thrissur 2.2
Visakhapatnam 2.2
Khordha 2.0
Ludhiana 2.0
Rajkot 2.0
Mysore 1.9
East Godavari 1.8
Tiruchirappalli 1.8
Madurai 1.8
Bhopal 1.8
Kozhikode 1.7
Nagpur 1.7

SCBs in Mumbai (suburban) have the highest amounts of outstanding of loans to

individuals. The top 5 districts are Mumbai (Suburban), Delhi , Bangalore, Chennai
and Hyderabad.
The value of indivudual loans outstanding in the 30th ranked district is 3.9% of the
value of the top ranking district.

Top 30 districts by amount outstanding to

individuals
SCB`s amount of
outstanding on
individuals'
loans(the top
district has index
District value 100)
Mumbai (Suburban) 100
Delhi 80
Bangalore 71
Chennai 53
Hyderabad 37
Mumbai 35
Kolkata 30
Pune 23
Jaipur 12
Ernakulam 11
Ahmadabad 10
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Coimbatore 9
Chandigarh 9
Thiruvananthapuram 7
Lucknow 7
Thane 7
Ludhiana 7
Indore 6
Surat 6
Gautam Buddha Nagar 5
Krishna 5
Khordha 5
Thrissur 5
Visakhapatnam 4
Gurgaon 4
Palakkad 4
Bhopal 4
Ghaziabad 4
Jalandhar 4
East Godavari 4

Delhi SCBs have the highest amounts of outstanding agricultural loans. The top 5
districts are Delhi, Mumbai (Suburban), Chennai, Hyderabad and Bangalore. The
value of agricultural loans outstanding in the 30th ranked district is 5.9% of the value
of the top ranking district.

Top 30 districts by amount outstanding on

agriculture
SCB`s amount
outstanding on
agriculture (the
top district has
District index value 100)
Delhi 100.0
Mumbai (Suburban) 56.5
Chennai 31.4
Hyderabad 30.4
Bangalore 24.1
Mumbai 19.8
Kolkata 19.6
Chandigarh 16.8
Coimbatore 15.4
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Kapurthala 14.7
Jaipur 12.2
Patiala 10.6
West Godavari 10.0
Rajkot 9.9
Pune 9.9
Guntur 9.8
Ahmadabad 9.7
Panchkula 9.5
Ludhiana 8.8
Ernakulam 8.4
Belgaum 8.3
Medinipur 7.9
Gulbarga 7.8
East Godavari 7.2
Nashik 7.2
Prakasam 6.9
Krishna 6.8
Anantapur 6.5
Gandhinagar 6.5
Kurnool 5.9

SCBs in Mumbai (suburban) have the highest amounts of outstanding industrial loans.
The top 5 districts are Mumbai (Suburban), Delhi , Bangalore, Mumbai and Chennai.
The value of industrial loans outstanding in the 30th ranked district is 1.7% of the
value of the top ranking district.

Top 30 districts by amount outstanding to

industry
SCB`s amount of
Industrial
outstanding (the
top district has
District index value 100)
Mumbai (Suburban) 100.0
Delhi 68.6
Bangalore 39.1
Mumbai 35.1
Chennai 27.3
Kolkata 26.5
Hyderabad 17.9
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Coimbatore 12.0
Ahmadabad 11.6
Pune 9.1
Jamnagar 6.8
Jaipur 6.6
Ludhiana 6.0
Vadodara 5.9
Raigarh 5.4
Surat 4.1
Chandigarh 4.1
Ratnagiri 3.5
Indore 3.3
Ernakulam 3.1
Srinagar 2.9
Lucknow 2.7
Thane 2.7
Khordha 2.7
Gurgaon 2.5
Ghaziabad 2.4
Gautam Buddha Nagar 2.0
Patiala 1.7
Kanpur Nagar 1.7
Bellary 1.7
Source: Indian Financial Scape