Patna: On the parameters of population and CDR, 36 districts in Bihar were unbanked and lacked adequate bank branches and related facilities, Deputy Chief Minister Sushil Kumar Modi said on Wednesday.

Patna and Arwal were the only two districts in Bihar that had adequate number of bank branches and related facilities, Modi told reporters after the 40th meeting of the State Level Bankers Committee.

Modi said that there was one bank branch in the state per 21,358 population which was far lower than the national average of 14000 people per branch.

Efforts were on to set up ultra small branches in the state as per the RBI guidelines, he said.

There was a proposal to set up 1727 branches in areas with a population of 5000 or more by September 30 that would reduce the banking ratio to 15,758 people per branch in the state, he said.

Banks also needed to improve micro management at branches, particularly in rural areas, as the customers did not get required service, including receipts for loan applications, he said.

Bihar has the distinction of having the highest deposit rate in banks at 21.9 percent as against the national average of 14 percent, he added.


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