Lucknow
There is a continuous positive change in the banking system of Uttar Pradesh. The policy of financial inclusion under the leadership of Chief Minister Yogi Adityanath and the strategy of connecting government schemes with banks has further strengthened the confidence of the common man on the banking system.
Banks’ network strengthened to towns and villages
Due to this, the network of banks to cities as well as towns and villages has strengthened. Also, the CD ratio of banks has also improved. This can be clearly seen in the June 2025 data, which clearly shows the state’s economic strength and the boom in banking activities. By June 2025, the deposit amount of banks in the state has increased by Rs 1.86 lakh crore to 19.39 lakh crore. This was an annual growth of 10.60 percent as compared to June 2024. At the same time, the annual increase of Rs 0.93 lakh crore (8.79 percent) has been recorded in the loan distribution figure. In June 2025 it was a total of Rs 11.45 lakh crore. This is a proof that the atmosphere of investment and credit in the state is continuously getting better. The CD ratio of the state was 59.04 percent in March 2025, which stood at 59.05 percent in June 2025 at 59.05 percent. This stability indicates a balanced banking system. At the same time, district wise figures show that CD ratio has been improved significantly in many districts. The number of districts with more than 80 percent CD ratio is increasing, while the number of districts with less than 40% CD ratio has come down to only 6.
Banking activities expanded in districts
Banking activities in more districts have now expanded compared to 2014. The number of districts with CD ratio between 60 percent to 80 percent has reached 21. This change is an indication that the network of banking services is spread in rural and semi -urban areas and local credit requirements are being met.
According to experts, this change has been possible only with government efforts and strong coordination of banking institutions. The initiative of financial support from Mukhyamantri Swarozgar Yojana, Startup India, ODOP (One District One Product) campaign and digitization has strengthened the banking system.
