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2. BANKING STATISTICS
T h e b a n k i n g s y s t e m i n I n d i a c o m p r i s e s
commercial and cooperative banks, of which the
former accounts for more than 90 per cent of
ba n king system s a ss ets. Besides a few foreign
and Indian private banks, the commercial banks
comprise na t ional ized banks (major i ty equi ty
holding is with the Government), the State Bank
of In dia (SBI) (m ajority equ ity holdin g bein g with
the Reserve Bank of India) and the associate
banks of SBI (majority holding being with State
Bank of India). These banks, along with regional
rural banks, consti tute the public sector (s tate-
owned) banking system in India. A diagrammatics t r u c t u r e o f I n d i a n b a n k i n g , i n c l u d i n g
cooperatives, is presented in Figure 2.1. Banking
statis t ics in Ind ia is predominan tly comp iled a nd
disseminated by the Reserve Bank of India (RBI)
and Nat ional Bank for Agricul ture and Rura l
Development (NABARD). As the data collection
m e c h a n i s m a n d t h e d i s s e m i n a t i o n s t a n d a r d s
thereof vary for commercia l and coopera t ive
banks , th i s chap te r p re sen t s re l evan t de ta i l s
separa tely for comm ercial ban ks an d cooperative
b a n k s . H o w e v e r , t h e r e i s s o m e o v e r l a p p i n gi n f o r m a t i o n w h i c h i s c o l l e c t e d b o t h f r o m
commercial and cooperative banks. Accordingly
Section 2.1 covers information on commercial
b a n k s , w h i l e t h a t o f c o o p e r a t i v e b a n k s i s
presented in Section 2.2.
2 . 1 . Ba nk in g St at i st ic s o n Co m m e rc i al
Banks
As a part of central banking activit ies and the
overa l l economic perspec t ive of the banking
sys tem of the coun t ry , RBI co l l ec t s a vas tamount of information on the banking system
through va r ious s t a tu to ry and con t ro l (non-
statutory) returns. Control returns cover various
a s p e c t s o f b a n k i n g i n f o r m a t i o n l i k e s p a t i a l
dis tribution of deposits and credit , international
banking, pr ior i ty sec tors , e tc . Each aspect i s
again def ined by i t s own separa te s ta t is t ica l
system. Against this background, the information
based on s ta tu tory re turns and those of control
or special returns are presented separately.
2 .1 .1 . S tat i s t ic s based on S tatu tory Returns
T he da ta rece ived th rough va r ious s t a tu to ry
re turns in RBI are mainly used for monetary
policy formulation and regulatory prescriptions.
However, the information based on a few returns
is only disseminated to the public. Among them,
s t a t i s t i c s f i l e d s t a t u t o r i l y b y b a n k s o n t w o
retu rns / reports a re m ost s ignifican t, viz., Form
A/ B and ann ua l reports of ban ks (ba lance shee t
and profit and loss account). These are discussed
below.
2 .1 . 1. 1. Bu sin es s of all Sc he du le d Ban ks
in India
One of the most important s tatis t ics based on
s t a t u t o r y F or m A/ B r e t u r n s , w h i ch a r e
disseminated by RBI (RBI Bulletin), are labelled
under the t i t le Bus ines s of a ll Sch ed uled Bank s
in India. Each Scheduled Bank (commercial and
cooperative bank) is required to furnish to the
RBI fortnightly return showing major items of
i ts assets and l iabil i t ies in India as at the close
of business on reporting Friday, as per Section
42(2) of RBI Act, 1934. Scheduled Banks are
a l s o r e q u i r e d t o f u r n i s h a s p e c i a l r e t u r n
corresponding to the last Friday of every month
if i t is not a reporting Friday. This return is
submitted in the prescribed form viz. , Form-A
for Scheduled Commercial Banks and Form-B
for Scheduled Cooperative Banks. Provisional
data are to be submitted within 7 days of the
reference date and final data within 21 days.
The form at of Form A was revised b as ed on
the recommendation of the Working Group on
Money Supply: Analytics and Methodology ofCompilation (Chairman: Dr. Y. V. Reddy) in
October 199 8. In an attem pt to fill the data gaps
e m e r g e d d u e t o t h e l i b e r a l i s a t i o n a n d
d e r e g u l a t i o n i n t h e f i n a n c i a l s e c t o r , t h e
Scheduled Commercial banks have been advised
as a s equel to the recommend ations of the Reddy
Committee to report the returns under Section
42(2) in a revised format with effect from 9 th
O c t o b e r 1 9 9 8 . T h e r e v i s e d f o r m a t i n c l u d e s
Memora n du m t o Form A (pa id -u p cap i t a l ,
reserves, etc.), Annexure A (details of foreign
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Ba nk ing S ta tis tics
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cu rren cy liab ilities an d as sets ) an d An n exur e B
(details of investments in non-SLR securities).
The provisional Section 42(2) data are released
by RBI through weekly press communiqu anda re a l so pub l i shed in the Week ly S ta t i s t i ca l
Supplement to RBI Bulletin (WSS). The final data
of Sec t ion 42(2) re turn are publ ished in the
Reserve Bank of India Bulletin, every month, in
two tables, viz., i) All Scheduled Banks-Business
in India a nd ii) All Schedu led Com mercial Bank s-
Business in India.
2.1.1.1.2. Measurement Needs of the Data
Section 42(2) data are primarily collected for
moni tor ing the compliance of s ta tu tory cash
r e s e r v e r a t i o ( C R R ) b y S c h e d u l e d B a n k s
operating in India and also for money supply
compilation. In addition, these data are also used
for monitoring overall banking business in India,
including the trends of important indicators l ike
aggregate deposits, bank credit, investments, etc.
These data are published in the two statutory
publications of RBI viz., (i) RBI Annual Report
and (ii) Report on Trend and Progress of Banking
in India.
2 . 1 . 1 . 1 .3 . Co n c e pt s , De fi n it io n s a nd
Classif ications
As per Section 42(2) of the RBI Act, 1934, every
scheduled bank is required to submit to the
Reserve Bank of India a return showing (i) the
amount of i ts demand and t ime liabil i t ies and
the amount of i t s borrowings f rom banks in
India, classifying them into demand and t ime
liabilities, (ii) the total amount of legal tender
notes and coins held by i t in India, (i i i) the
balances he ld by i t a t o ther banks in currentaccount and the money a t ca l l and short not ice
in India, (iv) the investments (at book value) in
C e n t r a l a n d S t a t e G o v e r n m e n t s e c u r i t i e s
including Treasury Bills and Treasury deposit
receipts, (v) the amount of advances in India,
(vi) the inland bil ls purchased and discounted
i n I n d i a a n d f o r e i g n b i l l s p u r c h a s e d a n d
discounted, a t the c lose of bus iness on each
alternate Friday, and every such return shall be
sent not later than seven days after the date to
which it relates.
Effectively, For m A & Form B do n ot d iffer except
for one item viz., Demand and Time Liabilities
u nd er Liabili t ies t o th e Ban king Syst em, for
which, the break-up into demand liabil i t ies and
time liabilities are given separately in the case of
Coopera tive Ban ks (i.e., in F orm B).
Definitions / classificat ion of Liabilities to th e
Ban kin g System as well as Liabilities to oth ers
in India are given in the following paragraphs.
I. Lia b ilit ies t o t h e Ba n k in g Sys tem in In d ia
a ) Dem a n d a n d t im e d ep os it s fr om b a n k s
b) Bor rowings from banks (inc ludes in te r -
b a n k b o r r o w i n g s a n d i n t e r - b a n k
depos i ts a t ca l l or short not ice not
exceeding 14 days).
c ) O th e r d em a n d a n d t im e lia b ilit ie s
II. Lia b ilit ies t o Ot h er s in In d ia
a ) Aggr ega te depos i ts (o ther than from
b a n k s )
i) Dem a n d
ii) Tim e
b) Borrowings (borrowings repre sen t tota lborrowings from ou tside th e Ban king
System. Money at call an d s hort notice
o b t a i n e d f r o m L I C , U T I e t c . a r e
inc luded where a s bo r rowings f rom
RBI, NABARD, EXIM Bank etc. are
excluded from this item.).
c ) O th e r d em a n d a n d t im e lia b ilit ie s
Dem and Depos its com pris e:
(i) Cu r r en t dep os it s(i i) Demand liabilit ies portion of savings ban k
deposits
(iii) Ma r g in s h e ld a ga i n s t l et t e r o f c r ed i t/
guarantees
(iv) Balances in overdue fixed depos its
(v) C as h c er t ific a te s
(vi) Cumu la t ive / Recur r ing depos it s
(vii) O u t s t a n d in g t e le gr a p h i c a n d m a i l
t ransfers
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Ba nk ing S ta tis tics
(viii) D em a n d dr a ft s
(ix) Un c la im e d d ep os it s
(x) C r ed i t b a la n c e s in t h e c a s h c re d it
accounts
(x i) Depos it s he ld a s s ecur i ty fo r advances
which are payable on demand
Time Deposits comprise:
(i) F ixe d d ep os it s
(ii) Cash cer t ifica tes
(iii) Cumu la t ive and recur r ing depos it s
(iv) Time l iabi lit ies por t ion of savings ba nk
accoun t
(v) S ta ff s ecur i ty depos it s
(vi) Margins he ld agains t le t ters of c redit i f
not payable on deman d
(vii) F ix e d d e p os i t s h e l d a s s e c u r i t y fo r
advances
(viii) Money repayable at notice exceeding 14
days or more received from LIC, UTI, etc.
Other Demand and Time Liabilities comprise:
(i) In te res t acc rued on depos it s
(ii) B ills p a ya b le
(iii) Un p a id d ivid en d s
(iv) Suspense accoun t ba lances repre sen t ing
amounts due to o ther banks or publ ic
(v) Part ic ipa t ion cer t ifica tes is su ed to other
financial insti tutions other than banks
(vi) Any amount du e to the Bank ing Sys tem
which are not in the nature of deposits
or borrowings. (Such liabilities may arise
du e to items su ch as (a) collection of bills
on behalf of other banks (b) interest due
to other banks and so on. Whenever i t
has not been possible to segregate the
liab ilities to th e Ban kin g System from
th e to ta l o f Othe r dem an d an d t ime
liab ilities, th e ent ire Oth er d ema n d a nd
tim e liab ilities ar e trea ted a s liability to
Others).
III. As s et s wit h t h e B an k in g Sys t em
Assets with the banking system comprise the
following:
a . B a la n c e s w it h t h e B a n k in g Sys t e m in
Current Account
b . B a la n c es wit h Ot h er Ba n k s in O th e r
Accounts
c. Mon e y a t Ca ll a n d S h ort Not ice : T h i s
r e p r e s e n t s f u n d s m a d e a v a i l a b l e t o t h e
B a n k i n g S y s t e m b y w a y o f l o a n s o r
deposits repayable at call or short notice of
14 days or less .
d . A d va n ce s to B a n k s , i.e ., Du e from B a n k s :
This represents the loans other th an Moneyat ca ll an d s hort n otice m ad e availab le to
t h e B a n k i n g S y s t e m . P a r t i c ip a t i on
Certificates purchased is also included here.
e. Other As sets : Any other amounts due from
th e Ban k ing Sys tem, wh ich can no t b e
c la s s i f i ed unde r any o f the above th ree
items. For example, in the case of inter-
bank remit tance fac i l i t ies scheme, as on
date, the total amount held by a bank with
other banks (in transit or other accounts)
a re shown he re a s such sums canno t becon st ru ed a s ba lan ces or call mon ey or
advances.
IV. Ca s h in In d ia (i. e., Ca s h in h a n d )
Cash in hand represents notes and coins he ld
by the bank as till money. Currencies of foreign
countries are not included here.
V. In ves tm en ts in In dia
Investments indicate the total investments in (A)
Government securities and (B) Other approvedsecurit ies .
A. Inves tm ents in Governm ent S ecuritie s :
(i) C e n t r a l a n d S t a t e Go ve r n m e n t
securities including treasury bills
(ii) Treasu ry deposit receipts
(iii) Treas u ry sa vin gs deposit certificates
(iv) P os t a l o b lig a t io n s s u c h a s n a t io n a l
p l a n c e r t i f i c a t e s , n a t i o n a l s a v i n g s
certificates, etc.
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(v) Governm ent Secur it i es depos i t ed by
fo r e ig n s c h e d u le d b a n k s u n d e r
Sec.11(2) of BR Act, 1949
B. Inves tm ents in Other Approved S ecuritie s :
(i) Securi t ies of Sta te ass ocia ted bodies
such a s E lec t r i c i ty Boa rd , Hous ing
Board and Corporation Bonds.
(ii) D e b e n t u r e s o f La n d D e v el op m e n t
Banks
(iii) Units of UTI
(iv) Sha res of RRBs, etc., which are treated
as approved securit ies under Sec.5 (a)
of BR Act, 1949.
VI. Bank Credit in Ind ia (exc lud ing in te r -
bank advances)
Bank credit in India is the total of three i tems
viz. (A) Loans, cash-credits and overdrafts, (B)
Inland bil ls purchased and discounted and (C)
Foreign bills purchased and discounted. Bills
(inland and foreign) rediscounted with the RBI,
IDBI and other f inancia l ins t i tu t ions are not
inc luded under th is head.
a ) Loa ns , ca s h-cred its and overd ra fts
(i) Deman d loans
(ii) Term loans
(iii) Cash-credits
(iv) Overdrafts
(v) P a c k in g c r e d i t , e t c ., g r a n t e d t o
cons t i tuents (o ther than banks)
(vi) An y other type of credit facilities oth er
than by way of b i l l s purchased and
discounted
b) Inland Bills Purch as ed and Dis cou n te d
Inland bil l drawn and payable in India including
demand draf t and cheques purchased. Separa te
break-up is presented for bil ls purchased and
discounted.
c) Foreign Bills Purchased and Discounted
Foreign bills covers all export and import bills
p u r c h a s e d a n d d i s c o u n t e d i n I n d i a a s a l s o
c h e q u e s , d e m a n d d r a f t s d r a w n i n f o r e i g n
cu rren cies a nd pa id by ban ks office in Ind ia.
Separate break-up is provided for bills purchased
and discounted.
In add i t ion to the co re re tu rn , some o f the
additional important i tems are reported. These
include: (a) net demand and time liabilities for
the purpose of Sec.42(1) of the RBI Act, 1934 =
Net Liabilities to the Banking System + Liabilities
to Others in India i.e., (I-III) + II, if (I-III) is a
plus figure or II only, if (I-III) is minus figure,
(b) Amount of minimum deposit required to be
kept with the RBI under the Act and (c) th e
liabilities under Savings Bank Account - further
clas sified s epara tely as t he d ema nd liabilities an dtime liabilities.
B e s i d e s t h e s e i t e m s , F o r m A c o n s i s t s o f
Memorandum, Annexure A, and Annexure B.
R e p o r t i n g o f t h e s e a d d i t i o n a l d a t a w a s
implemented with effect from 9 th October, 1998
as per the recommendation of Working Group
on Money Supply: Analytics and Methodology of
Compilation, 1998 .
VII. Mem or a n du m r ep or ts d a ta o n :
a . Pa id -u p ca pita l,
b. Reserves (free as well as statutory
reserves) as per the last balance sheet
and continue to report the same every
fortnight until the release of audited
balance sheet of the following year)
c. Tim e d ep os it s givin g th e t im e lia b ilit ie s
portion of the saving bank account (broken
into short term and long term)
d . Cer tifica tes of d ep os it s.e. Net Dem a n d an d Tim e Lia bilit ies
f. Am o u n t of d ep os it s r eq u i r ed t o b e
maintained as per current rate of CRR
g. An y o t h er lia b ili t y on w h ic h CRR is
required to be maintained under Section
42(2) and 42(1A) of the Reserve Bank of
India Act, 1934.
h . Tot al CRR r equ ir ed t o b e m a in t ain ed u n d er
Section 42(2) and 42(1A) of the Reserve
Bank of India Act, 1934.
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Ba nk ing S ta tis tics
Annexure A to Form A gives de ta i ls on the
l i a b i l i t i e s a n d a s s e t s i n f o r e i g n c u r r e n c y
outstanding at book value and revaluation value
along with interest, as indicated below:
Lia bilities :
Liabilities to oth ers in Ind ia
I. Non -Res id en t Dep os it s
I.1 Non-Res iden t E xterna l Rupee Accoun t
(NRE)
I. 2 No n -Re s id e n t N on - Re p a t r ia b le R u p e e
Accou n t (NRNR)
I.3 Fore ign Cur rency Non-Res iden t Banks
Scheme [FCNR(B)] (I.3.1+I.3.2)
I.3 .1 S h or t-t er m
I. 3. 2 Lo n g- te rm
I.4 Oth ers
II. Ot h er D ep os it s/ S ch em es
II.1 E xchan ge E a rne r s Foreign Cu r rency
Accounts
II.2 Res ident Fore ign Currency Accounts
II.3 E S CRO W1 A c c o u n t s b y I n d i a n
Exporters
II.4 Foreign Credit Line for Pre-shipm ent
C r e d i t a c c o u n t a n d O v e r s e a s
Rediscounting of Bills
II.5 Cred it Ba lances in ACU (US do lla r )
Account
II.6 Oth er s
III. Fore ign Currency Liabi lit ies to the Bank ing
System in India
III.1 Inter-ba nk Foreign Curren cy Deposits
III.2 In t e r - b a n k F o r e ig n C u r r e n c y
Borrowings
IV. Overseas Borrowings inc lude tota l of
overdrawal in all NOSTRO2 accoun t s
and should not be ne t ted for c redi t
balance in other NOSTRO accounts. It
a l so inc ludes any o the r bo r rowings
from foreign market or Head Office (in
case of foreign banks).
As s ets :
V. As s et s wit h th e ba n k in g s ys tem in In d ia
V.1 Fore ign cu r rency lend ing
V.2 Oth ers
VI. Asse t s with o the rs in Ind ia
VI.1 B a n k C r e d i t i n I n d i a i n F o r e i gn
Currency
VI.2 Othe rs
VII. Overseas Foreign Curren cy Asse ts : These
include balances held abroad, i.e., (i) cash
c o m p o n e n t o f N o s t r o a c c o u n t , d e b i t
balances in ACU (US dollar) account and
credit balances in the commercial banks
of ACU cou n tr ies, (ii) sh ort term foreign
d e p o s i t s a n d i n v e s t m e n t s i n e l i g i b l e
s e c u r i t i e s , ( i i i ) f o r e i g n m o n e y m a r k e t
instruments including Treasury Bills and(iv) foreign shares and bonds.
Th e liabilities in foreign cur ren cies u n der various
schemes are re-valued at FEDAI indicative rates.
As regards interest, banks report accured interest
in respect of all liabilities.
VIII. External Liabili t ies to Others su bject to
differen tial / zero CRR pres cription
(I+II)
IX. Externa l Liabi lit ies fu l ly su bject to CRR
prescription (IV)
X. Net In t er -Ba n k Lia b ilit ies
(I-III of For m A)
XI. Any othe r liab ilit ie s coming with in the
purview of zero prescription
XII. Liabi lit ies sub ject to zero CRR
prescription (VIII+X+XI)
Annexure B to Form A reports the following at
their book value and also at their revaluation
value:
1 ESCROW accoun t: A tru st accou nt h eld in th e borrowers
name to pay obl igat ions such as taxes , insurance, e tc .
2 NOSTRO account: An account one bank holds with a
bank in a foreign country, usual ly in the currency of
that foreign country.
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I n v e s t m e n t i n A p p r o v e d S e c u r i t i e s i n c l u d e
inves tments in Government securi t ies broken
into short term (of contractual maturity of one
year or less) an d long term (contractu al ma tu rity
of more than a year).
Investments in non-approved securit ies include
comm ercial paper, u nits of UTI and other m u tu al
fun ds , sha re s and bonds / deben tu re s .
Banks are required to revalue their investment
in approved securit ies on quarterly basis . As
regards to the revalu ation of investments in non -
approved securit ies , the same is reported as and
when the banks revalue their investments as per
the current p rac t ice/ ins t ru c t ions .
2 . 1 .1 . 1 .4 . S ou rc e s an d S ys t em s
D a t a f r o m S c h e d u l e d c o m m e r c i a l b a n k s a r e
collected in Form-A from all the banks belonging
to different bank groups, viz., (a) State Bank of
India and its Associates, (b) Nationalised banks,
(c ) O the r Schedu led Commerc ia l Banks , ( e )
Foreign Banks and (f) Regional Rural Banks.
Da ta f rom Schedu led coope ra t ive banks a re
c o l l e c t e d i n F o r m - B f o r m a t f r o m a l l b a n k s
b e l o n g i n g t o t h e t w o c a t e g o r i e s , v i z . , ( a )
Scheduled State cooperatives and (b) Scheduled
Urban cooperatives.
Scheduled Commercial Banks (other than RRBs),
su bm i t th e Form A re tu rn th rou gh Onl ine
Return Filing System. Data for Regional Rural
Banks are received by the Rural Planning and
Credit Department (RPCD) of the RBI. Data with
respect to schedu led s tate cooperative ban ks a nd
scheduled urban cooperative banks are received
in Fina l Form B by RPCD an d Urba n Ban ks
Department (UBD) of RBI, respectively. These
data are merged with the other data pertaining
t o c o m m e r c i a l b a n k s a n d t h e c o n s o l i d a t e d
statem ents for all schedu led ban ks a re generated
by DESACS of RBI.
2.1.1.1.5. Ensuring Quality Standards
Before the finalisation of these data, the following
data checks are done:
(i) An e r r o r r e p or t fo r ea c h b a n k is
g e n e r a t e d f o r a p a r t i c u l a r f o r t n i g h t
wherein all the i tems in th e return ha ving
either more than 20% variation or more
t h a n R s . 5 c r o r e d i f f e r e n c e f r o m i t s
previous reporting fortnight level are listed
in th e case of RRBs a nd State Cooperative
Banks . This l i s t i s checked with hard
c o p y F o r m A r e t u r n s a n d e r r o r s i n
punching, if found are rectified.
(ii) In the case of comm ercia l banks , an error
report for each bank is generated for a
particular fortnight wherein all the items
in the re turn having e i ther more than
20% variation or more than Rs.50 crore
difference from i ts previous report ing
fortnight level are listed. If required, the
b a n k s c o n c e r n e d a r e c o n t a c t e d f o r
clarifications an d corrections are ma de.
(iii) These return s a re a lso du ly checked for
statis t ical consis tency by generating 3-
s igma / 5-s igma reports .
(iv) Fina l ly , the bank-group leve l aggregates
are checked with provisional data.
2 .1 .1 .2 . Annual Report s o f Schedu led
Commercial Banks
The present s tructure of reporting of data i tems
in an nu al reports of schedu led commercial bank si s a s p e r t h e r e c o m m e n d a t i o n o f G h o s h
Committee Report (1985) on annual accounts of
banks, effective from 1992-93. Basic items are
init ially classified into various blocks (called
sch edu les) an d da ta a re reported s tatu torily,
under Section 27 of Banking Regulation Act,
1949. Deta i led bank-wise da ta based on annual
r e p o r t s a r e p u b l is h e d i n S t a t i s t i c a l Ta b l e s
Relat ing to Ban ks in In dia. In dividu al defin ition s
of each i tem in the schedules of Balance Sheet
and Profit & Loss Account of commercial banks
are given in the Annex 2 .1 . Table-wise major
contents of this publication is presented in Annex
2 . 2 . D e fi n i t io n s / c o n c e p t s o f s o m e of t h e
im p o r t a n t r a t io s b a s e d o n a n n u a l r ep o r t
i n f o r m a t i o n p u b l i s h e d i n Sta t i s t i ca l T ab le s
Relatin g to Ban ks in India are as follows:
a ) (i) Cash in ca sh -depos i t r a t io inc ludes
cash in hand and ba lances wi th RBI.
(ii) Inve s tm en ts in investm ent-deposit ratio
represent total investments including
investments in non-approved securities.
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Ba nk ing S ta tis tics
(iii) Ne t in te res t m argin is defined as the
total interest earned less total interest
pa id .
(iv) Interm ed iation cos t is defined as totaloperating expenses.
(v) Wage bills is defined as payments to
and provisions for employees.
(vi) Operating profi t i s d e f i n e d a s t o t a l
earnings less total expenses, excluding
provisions and contingencies; and
(vii) Bu rd en i s def ined as the to ta l non-
interest expenses less total non-interest
income.
b ) It em s l ik e ca p it a l, r es e r ve s , d e p os it s ,b o r r o w i n g s , a d v a n c e s , i n v e s t m e n t s a n d
ass ets / liabili t ies u sed to compu te various
fina nc ia l ea rn ings / expenses ra t ios a r e
averages for the two relevant years.
c) (i) Ca sh -d ep os it ra tio = (Ca sh in h a nd +
Balan ces with RBI) / Deposits.
(ii) R a t io of s e c u r e d a d va n c e s t o t o t a l
a d v a n c e s = ( A d v a n c e s s e c u r e d b y
tangible assets + Advances covered by
ban k or Govt. gu ara ntees) / Advances.
(i ii) Ratio of interest income to total assets=
Interes t earned / Tota l asse ts .
(iv) Rat io of ne t in teres t m argin to to ta l
a s se t s = ( In te re s t ea rned - In te re s t
paid) / Total ass ets .
(v) Rat io of non-in teres t income to to ta l
ass ets = Other income / Total ass ets .
(v i) Rat io of in term edia t ion cos t to to ta l
asse ts = Opera t ing expenses / Tota l
a s se t s .
(vii) Rat io of wage bil l to in term edia t ion
cos ts (Opera t ing Expenses) = Wage
bills / Operating Expens es.
(viii) Ratio of wage bill to total expen ses =
Wage bills / Total expenses .
(ix) Ratio of wage bil l to total incom e =
Wage bills/ Total income.
(x) R a t io of b u r d e n t o t ot a l a s s e t s =
(Operating expenses - Other income) /
Total assets.
(x i) Ra t io of bu rden to in te re s t income=
(Operating expenses - Other income) /
Interest income.
(xii) Ratio of operating profits to total ass ets= Operating profit / Total assets .
(x iii) Return on asse ts for a ban k group is
obtained as weighted average of return
of assets of individual banks in the
group, weights being the proportion of
total assets of the bank as percentage
to to ta l a s s e t s o f a l l banks in the
corresponding bank group.
(xiv) Return on Equity = Net Profit / (Capital
+ Reserves and Surplus).
(xv) Cos t of Depos its = In t eres t Pa id on
Deposits / Deposits .
(xvi) Cost of Borrowings = Interest Paid on
b o r r o w i n g f r o m R B I a n d o t h e r s /
Borrowings.
(xvii) Cost of Fu nd s = Total Interest Paid on
deposits and borrowings/ (Deposits +
Borrowings).
(xviii) Return on Advances = In teres t Earn edon Advances / Advances.
(xix) R et u r n o n I n ve s t m e n t s = In t e r e s t
Earned on Inves tments / Inves tments .
(xx) Return on Advan ces adju s ted to cos t
of funds = Return on advances Cost
of funds.
(xxi) Return on Inves tment adjus ted to Cos t
of Funds = Return on investments
Cost of funds.
2 . 1 .1 . 2 .1 . S ou rc e s an d S ys t em s
The balance sheet and profit and loss account
data tha t ar e pu blish ed in th e Statis t ical Tables
Relatin g to Ban ks in Ind ia are s our ced from t h e
Annual Reports of banks . Balance shee t and
p r o f i t & l o s s a c c o u n t i s b a s e d o n a u d i t e d
i n f o r m a t i o n a n d t h u s q u a l i t y o f d a t a i s
automatically ensured. Statutory t ime limit for
s u b m i s s i o n o f d a t a i s 3 m o n t h s f r o m t h e
reference date, i .e . , June 30.
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Manua l on Fina ncial and Ba nk ing Sta tis tics
2 .1 .1 .2 .2 . Ensuring Qual ity S tandards
I n o r d e r t o e n s u r e q u a l i t y s t a n d a r d s , t h e
following steps are followed:
(i) Annu a l Repor t s a re ob ta ined from each
o f t h e S c h e d u l e d C o m m e r c i a l b a n k
including Regional Rural Banks.
(ii) Data entry of the required fie lds is done
an d r equired calcu lations for th e relevan t
tables a re m ade .
(iii) If any discrepancies a re observed, da ta
a r e a g a i n c h e c k e d f r o m t h e o r i g i n a l
source, i .e . , the annual reports of banks.
(iv) Cross Checking of var ious tables a re done
for consistency checks.
(v) Da ta a re aga in compared with those o f
th e previous years rep ort.
2 . 1 .2 . S tat is t ic s ba se d o n S pe c ial Re t urn s
2 .1 .2 .1 . Bas ic S tat i s ti cal Return (BSR)
Sys tem
The BSR system was introduced in December
1 9 7 2 f o l l o w i n g t h e r e c o m m e n d a t i o n o f t h e
Committee on Banking Statis t ics adapting from
t h e e r s t w h i l e d a t a r e p o r t i n g s y s t e m c a l l e dUniform Balance Book (UBB). The Uniform
Balance Book (UBB) system was designed to
provide a detailed and up-to-date picture of the
sectoral and regional flow of bank credit and
was introduced in December 1968 in the context
of the setting up of the National Credit Council.
It had twin objectives of ensuring a steady flow
of information while minimising the reporting
l o a d o n b r a n c h e s . T h e U B B p r o f o r m a w a s
required to be submitted by every bank office
every month and provided for the reporting ofaccount-wise informat ion in regard to c redi t
l i m i t s s a n c t i o n e d a n d a d v a n c e s o u t s t a n d i n g
a c c o r d i n g t o t h e t y p e o f a c c o u n t , t y p e o f
borrower, occupation, purpose, security and rate
o f i n t e r e s t c h a r g e d . T h i s w a s c o n s i d e r e d
s u f f i c i e n t l y c o m p r e h e n s i v e f o r p o l i c y a n d
information purposes. However, the response and
the accuracy of the da ta obta ined through the
UBB system had proved to be quite inadequate.
After few rounds of survey, it was noticed that
response from branches was very poor and also
the quality of reporting had not been satisfactory.
Besides these difficulties, the UBB had not gone
beyond experimental s tage.
Meanwhile wi th the na t ional isa t ion of major
Indian banks and the more definite shape givento the new policy of diversifying the pattern of
credit , the demand for information on various
aspects of credit deployment was mounting. A
more de te rmined e f fo r t a t sys tema t i s ing the
r e p o r t i n g o f b a n k i n g d a t a t o e n s u r e t h e
availability of fairly comprehensive information
with a minimum time lag had become necessary.
A c c o r d i n g l y , t h e R e s e r v e B a n k o f I n d i a
consti tuted a Committee on Ban king Statis t ics
in April 1972 under the chairmanship of Shri
A. Raman, Director, Credit Planning Cell, RBI,
having members f rom var ious departments of
RBI and commercial banks to look into various
aspects of s tatis t ical reporting of data by banks
and su gges t a ppropria te s teps .
The Committee submitted i ts report in August
1 9 7 2 . T h e o v e r a l l p a t t e r n o f t h e s t a t i s t i c a l
report ing sys tem envisaged by the commit tee
which, taken together, was designated as Basic
Statistical Returns (BSR) to provide a steady flow
of the required data was as follows:
1 . BS R 1 Retu rn on Ad vances half-yearly as on the last Friday of June and December
from all branches in two parts Part A
for accoun ts with l imits over Rs.10,000 an d
Part B for accounts with limits of Rs.10,000
and less .
2 . BS R 2 Retu rn on Depos its - half-yearly
as on the last Friday of June and December
from all branches.
3 . BS R 3 Retu rn on Ad van ces aga in s t th e
Security of Selected Sensitive Commodities
monthly as on last Friday of each month from Head Offices.
4 . B S R 4 Re tu rn on Ow n ers h ip of B a n k
Depos its once in two years as on the
last Friday of March from all branches
(replacing present annual survey from head
offices).
5 . B S R 5 Re tu rn on B a n k In ves tm en ts
annual as on the las t day of March
from Head Offices (on the lines of Survey
of Bank Investments).
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Ba nk ing S ta tis tics
In addition to this , i t was recommended that
th e Su rvey of Debits t o Deposits, which was done
annually, to be done once in three years .
RBI agreed wi th the recommendat ions of theC o m m i t t e e a n d a c c o r d i n g l y i m p l e m e n t a t i o n
actions followed:
1 . A C om m it t e e o f D ir e ct io n on B a n k i n g
Sta tistics (CDBS) in RBI was con stitu ted
in to have ove ra l l cha rge o f the Bas ic
Statistical Returns, with officials of different
departments of RBI and of various banks
as i t s members .
2 . UBB re tu r n s w er e d is con t in u e d fr om t h e
month of July 1972.
3 . Th e BS R s ys t em w a s im p le m en t ed fr om
December 1972 with BSR 1, 2 and 3.
4 . Th e BS R 4 r et u r n wa s im p le m en t ed fr om
March 1976, which was collected from all
branches . Ownership c lass i f ica t ions were
also chan ged from March 1 976 su rvey. BSR
4 was collected on sample basis for 1978
and 1980 and on census bas is for 1982
survey. From 1984 i t was made biennia l
sample survey.
5 . BS R 5 r et u r n com m e n ced fr om Ma r ch 1 9 73 .
6 . Th e S u r ve y on D eb it t o D ep os it s a cc ou n t
which was conducted t i l l 1971-72 annually,
was next conducted in 1974-75 on census
bas is an d renamed a s BS R 6 from 1985-86
as biennial sample survey. The survey has
b e e n m a d e q u i n q u e n n i a l f r o m t h e y e a r
2000 .
7 . Th e BS R 7 retur n was origina lly intr oduced
in Augus t 1974 a s a month ly re tu rn tocapture branch-wise information on gross
bank credi t and aggregate depos i ts . The
periodicity of the return was changed to
quarter ly f rom the quar ter ended March
1984 .
8 . BS R-8 on portfolio management scheme of
banks, obtained on fortnightly basis , was
i n t r o d u c e d i n 1 9 9 2 . T h e r e t u r n w a s
d i s c o n t i n u e d i n 1 9 9 9 f o l l o w i n g
recommendation of CDBS.
2 . 1 . 2 .1 . 1 . Ba si c S t at is t ic a l Re t urn s 1 a nd 2
Basic Statistical Returns (BSR) 1 and 2 forms
t h e m a j o r p a r t o f t h e B S R s y s t e m .
Comprehensive data on deposits and credit ofschedu led commercial bank s a nd the information
o n n u m b e r o f e m p l o y e e s o f t h e b a n k s a r e
collected presen tly throu gh th e an nu al s tatis t ical
surveys, Basic Statistical Returns (BSR)-1 and
2, with 31st March as the reference date, and
a r e o b t a i n e d f r o m t h e o f f i c e s o f s c h e d u l e d
commercial banks in India including Regional
Rura l Banks .
The surveys used to be conducted half-yearly,
as on last Friday of June and December, from
1972 ti l l 1990. From the year 1990, the surveyshave been made annual wi th 31s t March as the
reference date. To provide guidance for filling in
o f BSR 1 and 2 re tu rns , the Rese rve Bank
brought out the firs t Handbook of Instructions
i n S e p t e m b e r 1 9 7 2 . C o n s e q u e n t u p o n t h e
improvements in the BSR system, the Handbook
was revised from time to t ime. Following the
developments in banking scenar io in the las t
couple of years and to have uniform coding
system for occupa tion/ activity class ification in
line with National Industrial Classification (NIC)1998 , wh ich i t s e l f i s ba sed on In te rna t iona l
Standard Industrial Classification (1SIC) 1990,
a few revisions were introduced with effect from
March 2002 survey. The latest edition, sixth in
the l ine , p rov ides these amendments in the
system. As suggested by the Government of India
to adopt a uniform classification system in order
to keep the data comparable, nationally as well
as internationally, the Reserve Bank of India had
appointed an Informal Group on Coding System
for Banking Statistics to look into the feasibility
and adoptability of NIC 1998 for BSR and similar
in fo rma t ion sys tems in the banks . T he new
activity coding system in BSR was based on the
recommendation of the Informal Group.
BSR-1 relates to gross bank credit and comprises
t e r m l o a n s , c a s h c r e d i t , o v e r d r a f t s , b i l l s
purchased and discounted, b i l l s re -discounted
under the New Bill Market Scheme and also dues
f r o m b a n k s , w h e r e a s , t h e b a n k c r e d i t d a t a ,
based on returns under Section 42(2) of the RBI
Act, 1934, is exclusive of dues from banks and
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Manua l on Fina ncial and Ba nk ing Sta tis tics
bills re-discounted under the New Bill Market
Scheme. The BSR-1 return is divided into two
parts - Part A and Part B (termed as BSR-1A
and BSR-1B). The cutoff c redi t l imi t for an
account for inclusion in BSR-1A was kept as
R s . 1 0 , 0 0 0 / - in 1 9 7 2 a t t h e t im e o f i t s
introduction. In the year 1984 the cutoff l imit
was raised to Rs. 25,000 / - and the cu t-off credit
limit was raised to Rs.2 lakh for BSR-1A return
f o r s c h e d u l e d c o m m e r c i a l b a n k s o t h e r t h a n
Regional Rural Banks from March 1999 survey.
In the case of Regional Rural Banks, the cut off
limit for classifying accounts in BSR-1A has been
made as Rs . 2 lakh from March 2002 onwards .
In BSR-1A, information in respect of each of the
b o r r o w a l a c c o u n t i s c o l l e c t e d o n v a r i o u sc h a r a c t e r i s t i c s , s u c h a s p l a c e ( d i s t r i c t a n d
population group) of utilisation of credit, type of
a c c o u n t , t y p e o f o r g a n i s a t i o n , o c c u p a t i o n a l
ca tegory, na ture of borrowal account , ra te of
in teres t , c redi t l imi t and amount outs tanding.
In BSR-1B, information in respect of accounts
with individual c redi t l imi t upto Rs . 2 lakh
(termed as small borrowal account) is obtained
in conso l ida ted fo rm fo r b road occupa t iona l
categories . The BSR-1B Retu rn ha s two separa te
credit lim it size group s, i.e., u p t o Rs. 25,0 00 a n d o ve r R s . 2 5 , 0 0 0 t o R s . 2 l a k h . T h e
in fo rma t ion on sma l l bo r rowa l accoun t s a re
obtained in BSR-1B return from all scheduled
c o m m e r c i a l b a n k s ( i n c l u d i n g r e g i o n a l r u r a l
banks) .
In BSR-2, each bank office submits information
on depos i ts wi th the i r break-up in to current ,
s a v i n g s a n d t e r m d e p o s i t s . I n f o r m a t i o n o n
deposit accounts offe m ales is given separately.
I n f o r m a t i o n o f t e r m d e p o s i t s a c c o r d i n g t o
different maturity periods is also furnished int h i s r e t u r n . I n a d d i t i o n , B S R - 2 p r o v i d e s
informa tion on sta ff strength , classified a ccording
to gender and category (i.e. officers, clerical and
subordinates), in individual bank offices as on
t h e r e f e r e n c e d a t e o f t h e r e t u r n s . D e p o s i t s
exclude in ter-bank depos i ts . Current depos i ts
comprise (i) deposits subject to withdrawal on
demand (o the r than s av ings depos i t s ) o r on
notice of less than 14 days, or term deposits
with a maturity period of less than 7 days (ii)
ca l l depos i ts wi thdrawable not la te r than 14
days; (iii) unclaimed deposits; (iv) overdue fixed
deposits; (v) credit balance in cash credit and
o v e r d r a f t a c c o u n t s a n d ( v i ) c o n t i n g e n c y
unadjusted account if in the nature of deposits .
Savings deposits are deposits accepted by banks
under the i r savings bank depos i t ru les . Term
deposits are deposits with a fixed maturity of
not less than 7 days and above or subject to
notice of not less than 14 days. These would
also include (a) deposits payable after 14 days
notice; (b) cash certificates; (c) cumulative or
recurring deposits; (d) Kuri & Chit deposits and
( e ) s p e c i a l d e p o s i t s i n t h e n a t u r e o f t e r m
deposits. Conceptually, the deposits data in BSR-
2 and the aggregate deposits in Section 42(2)
re tu rn a re the s ame . However , the depos i t sexclude the proceeds of Resurgent India Bonds
(RIBs) as well as India Millennium Deposits
( IMDs) . In BSR-2 , bank b ranches a l so g ive
classification of term deposits according to broad
interest rate ranges as well as size of deposits.
The data on residual maturity of term deposits ,
introduced in March 2003, are collected through
Part-V of this return in respect of computerised
bran ches of schedu led commercial ban ks, except
regional rural banks.
2 . 1 . 2 .1 . 1 . 1 . Di s se m i n at i on o f d at a
The dissemination of information of BSR 1 & 2
d a t a i s d o n e t h r o u g h v a r i o u s p u b l i c a t i o n s
brought out by the Bank. The main publications
ar e th e variou s Volum es of Ban king Sta tistics
Basic Statis t ical Retu rns , which was rena med
a s B a s i c S t a t i s t i c a l R e t u r n s o f S c h e d u l ed
Comm ercia l Ban k in Ind ia from Volu me 29,
March 2000. This publication is also available
on RBI website www.rbi.org.in from the year
1996. The annual publ ica t ion is a lso brought
o u t i n t h e f o r m o f a C D - R O M s i n c e 2 0 0 2
presenting the data in the form of excel tables.
A sp ecial pu blication on CD-ROM titled Ban kin g
Sta t i s t i c s : Bas ic S ta t i s t i ca l Re tu rns 1 & 2 ,
Volu me 1 to 31: 1972 t o 2002 was brou ght out,
which presents the th ree decades da ta, pu blished
in various volumes, at one place, in PDF format.
This pu blication is also a vailable on RBI website.
The publication presents dis tribution of credit
and deposits of scheduled commercial banks in
India on var ious charac ter is t ics / param eters .
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Ba nk ing S ta tis tics
The data on credit and deposits are published
on aggregate basis on various characteris t ics .
1 . B a n k gr ou p - wis e S B I & it s a s s oc ia t e s ,
N a t i o n a l i s e d B a n k s , F o r e i g n B a n k s ,Reg iona l Rura l Banks , O the r Schedu led
Commercial Banks (Private Sector Banks)
Nationalised banks, which include IDBI
Ltd. from 2005.
2 . S p a t ia l D is t r ib u t io n Re gio n , St a t e &
District
Data on Credit are presented as per
place of sanction and also as per place
of utilisation. The details are given in
BSR Volumes.
T h e B S R - 1 A r e t u r n p r o v i d e s t h e
i d e n t i f i c a t i o n o f t h e d i s t r i c t a n d
population group of the place where
the credit is utilised. However, in BSR-
1B re tu rn , such in fo rma t ion i s no t
collected. It is presumed that in respect
of these accounts, the credit is utilised
a t t h e s a m e p l a c e w h e r e i t i s
sanct ioned.
3 . P op u la t ion g r ou p Ru r a l, S em i- Ur b a n ,
Urban, Metropolitan.
Data on Credit are presented as per
place of sanction and also as per place
of utilisation.
4 . C re dit d a ta a r e p r es en t ed on va r iou s
pa rame te rs
Occupation Available for BSR 1A &
BSR 1B. Cred i t da ta a re p re sen ted
a c c o r d i n g t o o c c u p a t i o n o f t h eborrower.
Data are aggregated on sec tors
and sub-sec tors .
Size of credit limit Includes in both
BSR 1A & BSR 1B.
Interest rate range Based on BSR-
1A da ta on ly, referred a s Loan s a nd
Advan ces, which exclud es Bills.
Types of account Data are based on
BSR-1A only. Data of loans against
Credit Cards are included in Demand
Loans. Inland bil ls include both trade
and other bil ls .
O r g a n i s a t i o n O r g a n i s a t i o n a lcategories of borrowing account holder
is based on BSR-1A only.
Data on Sma l l Sca le Indus t r i e s a re
based on both BSR 1A and BSR 1B
returns. This include
Ar t i s a n s a n d Vi ll a g e & T in y
In du str ies compr is ing Artisan s/
C r a f t s m a n , Vi ll a g e / C o t t a g e
Industries and Tiny Industries
Other small scale industries .
5 . D is t rib u t ion o f d ep os it s d a ta a r e p r es en t o n
various characteris t ics
Type of Deposits Current, Savings,
Term.
Broad ownership pa t te rn Data a re
pu blish ed a gains t individu als (Male an d
Female) and Others (exc ludes in ter-
banks) .
Original period of maturity.
P e r c e n t a g e d i s t r i b u t i o n o f r e s i d u a l
period of maturity.
Percentage dis tribution of interest rate
range .
P e r c e n t a g e d i s t r i b u t i o n o f s i z e o f
deposits .
6 . E m p loym e n t in b a n k s Tot a l a n d Fe m a le
(Officers, Clerks, Sub-ordinates).
T h e u t i l i t y o f B S R d a t a i s i m m e n s e a n d
multifarious. The information is not only usedwithin RBI for the purpose of policy formulations
bu t a l so used fo r answer ing va r ious que r ie s
raised by members of the parliament. The data
i s s u p p l i e d t o v a r i o u s C e n t r a l g o v e r n m e n t
m i n i s t r i e s a n d d e p a r t m e n t s s u c h a s C e n t r a l
Statis t ical Organisation. State governments also
require the data for monitoring the progress and
economic development of their s tates and s tate-
l e v e l p u b l i c a t i o n s . T h e d a t a i s a l s o u s e d
extensively by individuals and insti tutions for
research purposes .
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Manua l on Fina ncial and Ba nk ing Sta tis tics
2 . 1 .2 . 1 .1 . 2 . Co n ce pt s , De fi ni ti on s a n d
Classif ications
BS R-1: BSR-1 return relates to ba nk credit . Each
bran ch/ office of a ba nk is requ ired to su bm itthis return to the Reserve Bank of India as on
31st March every year. In case 31st March is a
hol iday, the f igures re la tes to the immedia te
preceding working day.
The bank credit reported in this return comprises
the following items:
(a ) loans , ca sh cred it s and ove rdra ft s ,
(b ) in la n d b ills p u r c h a s ed a n d d is cou n t e d ,
(c ) fo re ign b i lls pu rchased and d i s coun ted .
The above i tems reported in BSR-1 take account
of
(a ) Dues from banks which rep resen t loans and
a d v a n c e s g r a n t e d t o b a n k s ( i n c l u d i n g
participations without risk sharing),
(b ) B ills r e d is c ou n t e d wit h t h e fin a n c ia l
ins t i tu t ions ,
(c ) Advances ex tended th rough Cred it Ca rds ,
(d) Bad debts (not writ ten off) and protes ted
bills,
(e ) In te r -bank pa r t ic ipa t ion with r isk sha r ing.
However, Money at call and short notice is not
included.
On comparison, the credit reported in BSR-1
retu rn comp rises (i) credit includin g du es from
ba n ks with in th e mean ing of fortn igh tly retu rn
under Section 42(2) of the Reserve Bank of India
Act, 1934 and (ii) bills rediscounted with the
financial institutions.
The BSR1 has two parts , Part A of the return
(BSR-1A) re la tes to accounts wi th individual
credit limits of over Rs.2,00,000. Particulars in
respect of each of these accounts are collected
separately. In BSR 1A, the particulars of the
accou nt, viz., na me of the party, accou nt nu mb er
given for identification by the lending bank office,
dis trict and population group code of the place
o f u t i l i s a t i o n o f c r e d i t , t y p e o f a c c o u n t ,
organisation, occupation, nature of the borrowal
account , asse t c lass i f ica t ion of the borrowal
account, rate of interest , credit limit an d a mou nt
outs tanding are recorded separa te ly for each
account with credit limit of over Rs.2,00,000.
In Part B of the BSR1 return (BSR-1B), account-
wise information is not collected. It calls for
consolidated inform ation on the occu pation-wise
totals of accounts with individual credit limits
of Rs .2 ,00,000 and less . The informat ion are
given separately for loans with individual credit
limit of Rs. 25,000 or less and above Rs. 25,000
to Rs. 2,00,000.
T h e c u t - o f f p o i n t o f R s . 2 , 0 0 , 0 0 0 f o r e a c h
individual account relates to the credit limit in
force as on the date of the return and not theamount outs tanding in the account . In case no
specific credit limit is sanctioned, the amount
outstanding i tself is to be treated as the credit
limit.
Reporting under BSR1 (Part A and Part B) is
done account-wise and not party-wise. The s ize
of the credit limit of each account is the factor
for dec iding whether i t i s to be individual ly
reported in BSR-1A or consolidated with other
accounts of the same occupational category in
BSR-1 B.
a . Uniform branch code: The uniform branch
code allotted by the DESACS of RBI to each
b r a n c h / o ffic e is u s e d fo r u n iq u e
identification of a branch. At present, the
branch code consists of two parts, viz., Part
I and Par t I I , and each par t cons is ts of
seven digits.
The attributes of an account, collected in
BSR-1A return are as under:
b . Place of Utilisation of Credit: The informa tion
on place of uti l isation of credit is being
collected under two heads viz., district and
population group.
(i) Dis trict: The district code indicates the
district where actual credit has been
or will be utilised by the borrower.
(i) Population Group: The code indicates
t h e p o p u l a t i o n g r o u p s t a t u s o f t h e
p l a c e o f u t i l i s a t i o n o f c r e d i t . T h e
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Ba nk ing S ta tis tics
relevant codes are given in Annex 2 .3
(List A). Information given in these
columns is important for ascertaining
t h e S t a t e a n d d i s t r ic t / p o p u l a t io n
group-wise flow of credit. The credit
ex tended by a b ra nch / o ffi ce is n o t
a l w a y s u s e d i n t h e s a m e d i s t r i c t /
population group and State in which
the branch office is located. In several
m a j or u r b a n a n d m e t r o p olit a n
branches , a good par t of the credi t
extended, i s u t i l i sed e lsewhere . For
example, if a company having Head
O f f i c e i n M u m b a i i s g r a n t e d a n
advance for utilisation for its factory
l o c a t e d i n P e n ( R a i g a d d i s t r i c t i n
Maharashtra), the appropriate dis trict
c o d e w i l l b e R a i g a d a n d a s t h e
population of Pen is between 10,000
a n d o n e l a k h , t h e a p p r o p r i a t e
popu la t ion g roup code 2 fo r s emi -
urban area is used for the account .
It may not always be possible to indicate
the d i s t r i c t and popu la t ion g roup where
certain advances are uti l ised, for instance,
a d v a n c e s g r a n t e d t o a G o v e r n m e n tCorporation (e.g. Food Corporation of India)
or statutory bodies (e.g. Electricity Boards)
o r a p r i v a t e l y o w n e d c o m p a n y , t h e
operations of which extend to more than
one dis trict , population group or s tate. In
such cases, the codes of the dis trict and
population group where the major portion
of the advances is utilised, is recorded. In
case it is difficult to identify those aspects,
the in fo rma t ion o f the p lace where the
branches are located, is used.
c. Type of Account: The code numbers allotted
to the various types of accounts are given
in Annex 2 .3 (List B). All accou n ts in th e
books of a br an ch/ office are classified u nd er
one type or the other ap propriately. In case,
a party is given borrowing facilities under
different types of accounts, each account is
separa te ly l i s ted . Such accounts a re not
combined. Pre-shipment finance under any
type of facility, viz., cash credit, overdraft
and demand loans are classified as Packing
Credit. Advances by way of rediscounting
of bills of other pa rty a re r eport ed a s Bills
d i s cou n ted with app ropr ia te occupa t ion
category.
d . Type of Organisation: T h e c o d e n u m b e r
relevant to the type of organisation of the
borrower is also recorded. Annex 2 .3 (List
C) conta ins t h e code nu m bers allotted to
different types of organisations. Organisation
code consists of two digits. The list itself
p r o v i d e s a b r i e f e x p l a n a t i o n f o r e a c h
c a t e g o r y o f o r g a n i s a t i o n . S o m e f u r t h e r
explanations are given below :
Government companies are defined under
Section 617 of the Indian Companies Act,
1956, as companies in which not less than
51 per cent of the paid-up capital is held
by the Central or a Sta te Governm ent either
singly or jointly.
S t a t u t o r y c o r p o r a t i o n s , o w n e d b y t h e
C e n t r a l G o v e r n m e n t o r b y a S t a t e
Government, as well as companies which
are subsidiaries of Government companies
a r e a l s o t o b e t r e a t e d a s G o v e r n m e n t
companies . If a company is owned by theCentral and State Government jointly on
5 0 : 5 0 b a s i s , i t i s t r e a t e d a s a S t a t e
Government undertaking for the purpose of
th is re turn . Loans sanct ioned to a Sta te
Government or its departments, e.g. for food
procurem ent operations, is coded as State
Governm en t (code 1 2).
H o w e v e r , a d v a n c e s t o C o - o p e r a t i v e
Marketing Federations for food procurement
operations as also for other purposes are
coded as Co-operatives (code 20). All typeso f c o - o p e r a t i v e i n s t i t u t i o n s a r e g i v e n
organisation code 20. The activities of the
co-operative insti tutions are not relevant.
Thus , organisa t ion code 20 inc ludes co-
operative marketing and other federations,
co-operative housing societies, co-operative
r e t a i l s t o r e s , e t c . E v e n w h e r e t h e c o -
o p e r a t i v e i n s t i t u t i o n i s s p o n s o r e d b y a
Government body, the correct organisation
code is 20 and not 14. The activity of the
co-operative (farming, processing, marketing,
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t r a d i n g , h o u s i n g , e t c . ) a r e g i v e n i n a
separa te column.
Public and Private Limited companies are
classified as Private Corporate Sector (code31 & 32) and other private sector entities
such as Partnerships, Propriety concerns,
J o in t fam i li es , Se l f-He lp Grou ps , NGOs
Associa t ions , Clubs , Trus ts and Groups ,
etc. , are taken as Private Sector - Others
( c o d e s 3 3 , 3 4 a n d 3 5 ) . N o n - p r o f i t
insti tutions serving business and privately
f u n d e d q u a s i - c o r p o r a t e i n s t i t u t i o n s a r e
classified as private corporate sector. Loans
granted to individuals, singly or jointly with
one or more persons are assigned the code
n u m b e r 4 1 ( I n d i v i d u a l s - M a l e ) o r 4 2
(Individuals - Female) depending on the
gend er of the s ole/ firs t a ccou nt holder.
e. Na tu re of borrow al accou nt: The na ture of
borrowal account is recorded against each
ind ividual accoun t. Codes r elating to na tu re
of borrowal account are given in Annex 2 .3
(List D). Tiny industries are classified with
vi l lage and cot tage indus tr ies . For loans
given to industry, the nature of borrowal
account can be 1 or 2 or 3 and for all other
loans i t is 3.
f. As s e t Cla s s if ica tion of borrow a l a ccou n t:
Information on asset classification of each
account with credit limit of over Rs.2,00,000
is reported as per asset classification code
assigned to a borrowal account for reporting
to DBOD/ DBS of th e Reserve Ban k of Ind ia.
The relevant codes are given in Annex 2 .3
(List E). The a ccou n ts ar e clas sified a s
Sta n da rd , Su b-s ta n da rd , Dou btfu l or
Loss Ass ets. Th e ch an ges in guidelines as
prescribed from time to time by the ReserveBank of India, is taken into account while
r e p o r t i n g u n d e r t h i s c o l u m n . T h e
i n f o r m a t i o n o n a s s e t c l a s s i f i c a t i o n i s
captured for internal consis tency and this
data is not disseminated.
g. Act iv ity / Occu pa tion : Information given in
this column brings out the sector-wise flow
of credit. Annex 2 .3 (List F) su m m ar ises 5
digit code numbers for different types of
occupat ion or ac t iv i t ies . The de ta i ls a re
presented in Annex 2 .4 . The code number
appropriate to the occupation or activity of
the borrower for each account is indicated
in this column. If the borrower is engaged
in more than one type of activity and if
separa te limits / su b-limits are san ctioned by
the bank for different activities, the credit
l im i t a n d o u t s t a n d i n g a m o u n t a r e
segregated for each activity and reported
s e p a r a t e l y . F o r e x a m p l e , i f a c o m p a n y
e n g a g e d i n t h e m a n u f a c t u r e o f c o t t o n
tex t i l e s and chemica l s i s g ran ted c red i t
l imits by the bank, the credit l imits and
amou nt outs tan ding are reported separa te ly
for the two units, if separate credit limits
are sanctioned. If, however, separate limits
are not sanctioned, the major activity of theb o r r o w e r i s t a k e n a s t h e b a s i s f o r
classification. In a majority of cases, the
occupation code can be determined on the
b a s i s o f t h e a c t i v i t y o f t h e b o r r o w e r .
However, in the case of consumption and
personal loans such as housing loans, loans
for education, etc., activity of the borrower
may not by itself determine the occupation
code. For Example, in the case of personal
loans (codes 94003, 94004, 94006, 94007,
94008 and 94009) , hous ing loans (codes94001 and 94002), loans for education (code
94005), etc. It is, however, not proper to
determine the occupation code on the basis
of the activity of the borrower. In such
c a s e s , p u r p o s e f o r w h i c h t h e c r e d i t i s
extended (whether for education, housing
o r c o n s u m p t i o n ) i s t h e g u i d e l i n e f o r
determining the correct occupation code.
h . Rate of Inte res t:
Th e r a t e o f in t e r e s t (p e r c e n t p e r a n n u m )
char ged to an accoun t is reported, up to twodecimals, and is exclusive of interest tax.
i) Where s lab ra te s of in te res t a re cha rged
on advances, the rate corresponding to
the largest portion of the advances should
be recorded. If two rates are ch arged, the
rate applicable to the major portion of
amount outs tanding should be reported .
ii) In the case of In land an d Fore ign Bills
P u r c h a s e d / D is c ou n t e d , t h e r a t e of
interest column is not filled in.
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Ba nk ing S ta tis tics
i. Credit Limit: The sanct ioned credi t l imi t in
force as on the date of the return is treated
a s t h e c r e d i t l im i t . An y a d d i t i on a l li m i t s
granted temporarily for short periods at the
d is c r e t io n o f a g en t s / m a n a g er s a n d o t h e r
compe ten t a u thor i t ie s a re inc luded i f they
a re in fo rce a t the t ime o f repor t ing . T he
dr awin g limit which is lin ked to th e value of
s t o c k s h y p o t h e c a t e d o r p l e d g e d a n d t h e
ma rgin prescribed is ta ken as credit l imit .
In recording credit limits in r espect of term
loan s, i t s hows only the operative limit , i.e .
t h e l im i t s a n c t io n e d m in u s t h e p r i n c ip a l
am oun t repaid. For example, a compan y ha s
been sa nct ioned a te rm-loan of Rs .25 lakh ,for installation of some plant, which is to be
repaid in t en equ al ha lf-yearly ins tallmen ts .
Suppose, the company has repaid Rs.5 lakh
(i.e., 2 h alf-yearly inst almen ts of Rs.2.5 lakh
each). Hence , und e r th i s co lu mn , on ly the
operative credit-limit, i.e., Rs.20 lakh will be
sh own an d n ot Rs .25 lakh. I f the opera t ive
limit of an accoun t is redu ced to Rs.2,00 ,000
or less, it will be reported in a consolidated
manner in BSR-1B.
In the case of other loans, which have notbeen fully drawn, the sanctioned l imit is
indicated. The credit limit is not adjusted
for the unpaid or overdue instalments . If a
borrower is sanctioned a composite credit
l imit against more than one account, the
l i m i t i s s p l i t u p i n p r o p o r t i o n t o t h e
ou t s t and ing amounts and shown aga ins t
the respective accounts. Where no specific
c r e d i t l i m i t i s s a n c t i o n e d , t h e a m o u n t
outstanding is treated as the credit l imit .
j. Am ou n t Ou ts tan d in g: T h e a c t u a l a m o u n t
outstanding (debit) in each account as at
the close of business on the reporting date,
rounded off to the neares t thousands of
rupees is reported. If the account is having
a credi t ba lance , the amount outs tanding
reported is Nil. The actual amount of credit
balance is not reported.
The information on accounts aggregated on
different characteristics, collected in BSR-
1B re turn is as under:
In BSR-1B return, information in respect
of accoun ts with credit limits of Rs.2,00,00 0
and less is collected in a consolidated form.
These accounts are further classified into
two cred it limit size-group s viz., Rs.2 5,0 00
an d less an d Over Rs .25,000 a nd u pto
Rs. 2 lakh . Accou nts are grouped a ccording
to the occupational categories specified in
the format. The number of accounts , credit
l imits and amount outs tanding are totaled
up for each of these occupational categories
and given separately for the two credit limit
size-groups. Each occupation in BSR-1B is
referred as a i tem code . The i tem code
n u m b e r s i n t h e f o r m a t o f B S R - 1 B f o r
classifying various occupational categorieshave been allotted 2-digit codes. A table
g i v e n i n t h e H a n d b o o k * p r o v i d e s t h e
re la t ionship be tween BSR-1A occupat ion
codes (5-digit) and for BSR-1B item codes.
Asset classification of borrowal accounts
reported in BSR-1B are consolidated for all
occupation categories and recorded against
i tem codes 81 to 84, separately for each
size-group, viz., Rs. 25 ,000 an d less an d
Over Rs.25,0 00 a nd u pto Rs.2 lakh . Th e
i n f o r m a t i o n o n a s s e t c l a s s i f i c a t i o n i scaptured for internal consis tency and this
data is not disseminated.
In fo rma t ion on Gende r c la s s i f i ca t ion in
respect of borrowal accounts of Individuals
reported in BSR-1B are consolidated against
i tem codes 86 and 87, separately for each
s i z e - g r o u p . T h e i n f o r m a t i o n o n g e n d e r
classification is not reported uniformly by
a l l t h e b r a n c h e s a n d a s s u c h o n l y t h e
percentage dis tribution is disseminated.
Basic Statistical Return (BSR) 2 Type of
Deposit Accounts
This retu rn relates to d eposits . Bran ches/ Offices
of all Scheduled Commercial Banks in India
furnish informat ion on number of employees ,
number o f accoun t s and amount ou t s t and ing
according to type of deposits and classification
of term deposits according to maturity, broad
interest rate ranges and s ize of deposits as on
* H a n d b oo k of In s t r u c tio n s on BS R 1 & 2 M ar c h , 2 0 0 2 .
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31st March every year. All Administrative Offices,
R e g i o n a l a n d Z o n a l O f f i c e s a n d B r a n c h e s /
Offices without any deposits such as Training
Colleges, Lead Bank Offices, Service Branches,
etc. furnish employment details in this return,
even though they do not have deposits .
a . Em ploy m ent d etails
All permanent and temporary full-time staff on
the rolls of the br an ch/ office as on th e date of
the retu rn are includ ed. This relates to the actu al
s t rength of the branch and not the sanct ioned
s trength . Par t - t ime and casual employees are
excluded. The category wise s taff posit ion is
collected in the block on employment details .
Category-wise number of female employees isalso reported against i tem code 101.
b . Part - l: Classification of Deposits
according to Type
Through this part of the return information from
each office is obtained on the deposits classified
according to their type, viz., current, savings and
term depos i ts . The addi t ional informat ion on
gender of account holder is also collected in this
part of the return. The information on different
types of deposits is collected under two broadownership categories, i.e. 1) Individuals and 2)
Others . Individuals inc lude Hindu Undivided
Families . The data on categories such as Non-
r e s i d e n t i n d i v i d u a l s , F a r m e r s , B u s i n e s s m e n ,
T r a d e r s , P r o f e s s i o n a l s a n d S e l f - e m p l o y e d
p e r s o n s , W a g e a n d s a l a r y e a r n e r s , e t c . a r e
reported under this category. In case of joint
accounts under individual, the gender of the first
a c c o u n t h o l d e r i s t h e d e c i d i n g f a c t o r f o r
classifyin g th e accou n t u n der Fema le category.
The inter-bank deposits are excluded from total
deposits . Three types of deposit accounts are
defined as follows:
(1) The scope of depos i ts reported in th is par t of
the re turn is sa me a s depos its reported in th e
fo r tn igh t ly retu rn su bm it t ed u nd e r s ec t ion
42(2) of th e Reserve Ban k of Ind ia Act, 19 34.
In t e r e s t a c c r u e d a n d p a y a b l e on d e p o s i t s
sh ou ld be t rea t ed as Oth er l iab i li t ies an d
sh ould not be inclu ded in BSR-2.
(2 ) S a vin g s d ep o s it s h a l l m e a n a fo rm o f
demand deposit which is a deposit account
whether designated as Savings Account,
Savings Bank Account, Savings Deposit
Accoun t o r o the r accoun t by wha teve r
n a m e c a l l e d w h i c h i s s u b j e c t t o t h e
restrictions as to the number of withdrawals
a s a l s o t h e a m o u n t s o f w i t h d r a w a l s
permitted by the bank under their savings
account rules during any specified period
an d wou ld include special sa vings deposits .
(3) Term depos i t sha ll mean a depos it received
by the bank for a fixed period and which is
withdrawable only after the expiry of the
sa id f ixed pe r iod . A t p re sen t , the t e rm
deposits are deposits with a fixed maturity
of not less than a specified period (which
is amended from time to time) or subject
to notice of not less than a specified period
(which is amended from time to time). They
would also include (a) deposits including
inter-bank deposits payable after 14 days
notice, (b) cash certificates, (c) cumulative,
recurring, ann u ity or reinvestmen t deposits ,
(d) Kuri* and chit deposits, (e) certificates
of deposits, (f) non-resident deposits in the
nature of term deposits , and (g) any other
s p e c i a l d e p o s i t s i n t h e n a t u r e o f t e r m
deposits . Interest accrued and payable ont h e s e d e p o s it s a r e t r e a t e d a s O t h e r
liab ilities an d th erefore n ot includ ed in t h is
par t of return .
(4 ) C u r r en t Ac co u n t s h a l l m e a n a fo rm o f
demand deposit wherefrom withdrawals are
a l lowed any number of t imes depending
upon the ba lance in the account or upto a
par t icular agreed amount and sha l l a lso be
deemed to include other deposit accounts
which are neither Savings Deposit nor Term
Deposit ; At present the Current accounts
comprise (a) deposits subject to withdrawal
on demand (other than savings deposits) or
w i t h a m a t u r i t y p e r i o d o f l e s s t h a n a
specified period (which is amended from
time to time), or on notice of less than a
specified period (which is amended from
* Kur i or ch it means a t ransac tion by which foreman en te rs
into an agreement with number of subscribers . Every
subscriber shal l subscribe a certa in sum of money for
ce r t a in pe r iod . Each subsc r ibe r in h i s tu rn sha l l be
ent i t led to a prized amount .
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Ba nk ing S ta tis tics
time to time), (b) call deposits withdrawable
not later than a specified period (which is
amended from time to time), (c) unclaimed
deposits, (d) overdue fixed deposits, (e) credit
b a l a n c e i n c a s h c r e d i t a n d o v e r d r a f t
accounts and (f) cont ingency unadjus ted
accounts i f in the na ture of depos i ts . I t
mus t be noted tha t depos i ts f rom banks ,
UTI, LIC, etc., at call or short notice not
exceeding 14 days are treated as borrowings
and are not inc luded in th is re turn .
(5) Staff security depos i ts , margin depos its and
s ta f f p rov iden t fund depos i t s shou ld be
classified under current or fixed deposits
depend ing upon payment o f in te re s t onsuch depos i ts .
c. Part - ll: Classification of Term Deposits
according to Maturity
I n f o r m a t i o n o n o u t s t a n d i n g a m o u n t o f t e r m
deposits as on the date of the return, classified
according to the original period of maturity for
which deposits have been placed with the branch
by depositors is collected in this part.
d . Part - lll : Classification of Term Deposits
according to Interest Rate Range
In Part III, outs ta nding am oun ts of term deposits
are classified according to interest rate for which
deposits have been placed with the branch by
depositors and outstanding as on the reference
period. These deposits are grouped under the
different interest rate ranges.
e. Part - lV: Classification of Term Deposits
according to Size
In Part IV, outs ta nding am oun ts of term depositsare classified according to size of deposits which
have been placed with the branch by depositors
and ou t s t and ing a s on the re fe rence pe r iod .
These deposits are grouped under the different
s izes as per original deposit amount.
f. Part - V: Classification of Term Deposits
according to Residual Maturity (Excluding
RRBs )
I n f o r m a t i o n o n o u t s t a n d i n g a m o u n t o f t e r m
deposits as on the date of the return, classified
according to the residual period of maturity is
collected in this part.
2 . 1 .2 . 1 .1 . 3 . S ou rc e s an d S ys t em s
The data on BSR 1 & 2 returns, as survey is
done on a census basis , are collected from each
bran ch/ office of the schedu led commercial banks
in India. The Banking Statistics Division of the
Departmen t of Statis t ical Ana lysis an d Comp u ter
Services , Reserve Bank of India, is the nodal
o f f i c e f o r c o l l e c t i o n , c o m p i l a t i o n a n d
disseminat ion of BSR 1and 2 da ta . Data a re
submitted in soft form by most of the banks,
except some regional rural banks. Some banks,
specially a few public sector banks and a fewnew priva te sec tor banks , have implemented
integrated software for their MIS, through which
the BSR 1&2 data are generated directly. The
data are received from banks in the following
mode: Paper Return (mos t ly from regional rura l
ban ks), Floppies / CDs and Em ai ls . With more
and more banks computer is ing the i r branches
and implementing the integrated software and
increasing use of Internet, the data are being
received through email.
2 . 1 .2 . 1 .2 Bas ic S t at is t ic al Re t urn 4 :
Survey of Ownership of Deposits
The Basic Statistical Return (BSR)-4: Survey of
Ownership of Deposits of Scheduled Commercial
Banks a s on March 31 , i s an annua l re tu rn ,
under the BSR system obtained from a sample
of branches, selected scientifically for the year
under reference. The BSR-4 intends to capture
composition and ownership pattern of deposits ,
with the objective of building up estimates on
t h e c o m p o s i t i o n a n d o w n e r s h i p p a t t e r n o f
deposits at different levels of aggregation. Till
1 9 7 2 , t h e a n n u a l S u r v e y o f O w n e r s h i p o f
Deposits was conducted to get data from Head
Offices of banks. It was replaced by BSR 4 return
from March 1976, which was received from all
branches. Ownership classifications were also
changed from March 1976 survey. BSR 4 was
collected on sample basis for 1978 and 1980
and on census bas is for 1982. From 1984, i t
was made biennial sample survey. The survey
has been made annual f rom 1990.
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Manua l on Fina ncial and Ba nk ing Sta tis tics
2 . 1 . 2 .1 . 2 . 1 Me a su re m e n t n e e ds o f t h e are a
The estimates arrived at through this survey are
a n i m p o r t a n t s o u r c e o f i n f o r m a t i o n o n t h e
c h a n g e s i n p r o f i l e a n d s t r u c t u r a l s h i f t s i ncomposition and ownership pattern of deposits
with Scheduled Commercial Banks (SCBs). They
a r e u t i l i z e d i n t h e c o m p i l a t i o n o f N a t i o n a l
Accounts Statistics (NAS), the Flow of Funds
A c c o u n t s o f t h e I n d i a n E c o n o m y , F i n a n c i a l
saving of the Household sector, etc. Major users
o f t h e s u r v e y r e s u l t s a r e t h e C S O , R B I ,
commercia l banks and others , e.g . , researchers
and others .
An ar t ic le present ing sa l ient fea tures of the
r e s u l t s o f t h e B S R - 4 s u r v e y i s p u b l i s h e d
annua l ly in the RBI Bu l le t in . Va r ious o the r
pub l i ca t ions a l so p re sen t da ta based on the
results of the BSR-4 survey.
2 . 1 .2 . 1 .2 . 2 . Co n ce pt s , De fi ni ti on a n d
Classif ications
Sa mp ling Design Used for the March 200 5 s urvey:
A s t r a t i f i e d s a m p l i n g d e s i g n w a s u s e d f o r
selection of branches of banks for this survey.
B a s e d o n S t a t e / U n i on Te r r it o r y, p o p u la t i ongroup o f the cen t re where bank b ranch was
loca ted , and bank group, a l l branches of the
s c h e d u l e d c o m m e r c i a l b a n k s ( S C B s ) i n t h e
country were classified into 379 basic strata. The
population groups are (i) rural; (ii) semi-urban;
(i i i) urban; and the metropolitan group, further
sub-divided in to two groups ( iv) four major
m e t r o p o l i t a n c e n t e r s ( v i z . , M u m b a i , D e l h i ,
C h e n n a i a n d K o l k a t a ) a n d ( v ) t h e o t h e r
metropolitan centers. Five bank groups, viz., (i)
S ta te Bank o f Ind ia and i t s Assoc ia te s ; ( i i )Nationalised Banks; (iii) Regional Rural Banks;
(iv) Other Indian Scheduled Commercial Banks
and (v) Foreign Banks, were considered for the
p u r p o s e . If b r a n c h e s i n a b a s i c s t r a t u m
numbered 7 or less , al l branches were selected
with certainty in such s trata. As an exception,
all 9 br an ches operating in Laks ha dweep Is lan ds
were included in the sample to provide adequate
representa t ion to th is union te rr i tory . In the
remaining basic s trata, each s tratum was further
s t ra t i f i ed in to 2 o r 3 sub-s t ra ta t ak ing in to
a c c o u n t t h e r a n g e i n t o t a l d e p o s i t s o f t h e
branches in the s t ra ta and number of depos i t
accoun t s . For th i s pu rpose , th re sho ld va lues
were determined for each basic-s tratum taking
into account above two characteris t ics .
In such basic strata, Size Class Strata (SCS) were
formed as per descending order of deposits. The
branches having aggregate deposits greater than
threshold value-I were included under SCS-I. The
S C S - I I c o v e r e d b r a n c h e s h a v i n g a g g r e g a t e
deposits between thresh old value-I an d th reshold
va lue - I I and the SCS-I I I inc luded a l l those
branches having aggregate deposits up to the
threshold-value-II. Thus, 912 Size Class Strata
(ultimate strata) were formed.
The branches under SCS-I were included in the
sample with certainty. In SCS-II and SCS-III of
e a c h b a s i c s t r a t u m , s a m p l e b r a n c h e s w e r e
selected by circular systematic sampling after
a r r a n g i n g t h e b r a n c h e s w i t h i n t h e S C S i n
descending order of the i r aggregate depos i ts ,
subject to selecting a minimum of 2 branches
from each SCS. The sample s ize in the case of
SCS-II varied from about 20 to 50 per cent of
branches (depending upon the total size of SCS).
If the number of units (branches) exceeded 200,
15 per cent of branches were drawn as sampling
units . In the case of SCS-III, 10 per cent sample
was selected.
Based on the above procedure, 9,933 branches
were selected for the survey for March 2005. In
a l l , 2 ,292 bank branches were se lec ted wi th
cer ta in ty . Out of the remaining 63,778 bank
branches , 7 ,641 branches were se lec ted us ing
above sampling design from sub-strata SCS II
and SCS III.
The deposits are classified into Current deposits,
Savings deposits and Term deposits-Certificates
of Deposits (CDs) and Other Term Deposits, while
the major economic sectors according to which
ownership is to be classified are Government
sector, Private corporate sector, Financial sector,
Household sector and Foreign sector. Detailed
d e f i n i t i o n s , a s p r o v i d e d i n t h e G u i d e l i n e s
attached with th e BSR-4 return , March 2 005 ar e:
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Ba nk ing S ta tis tics
Current deposits comprise: (a) deposits subject
to withdrawal on demand (other than savings
deposits) or with a maturity period of less than
15 days (7 days in case of Rs. 15 lakh & above),
(b) call deposits withdrawable not later than 14
days; (c) unclaimed deposits; (d) overdue term
deposits; (e) credit balance in cash credit and
o v e r d r a f t a c c o u n t s a n d ( f ) c o n t i n g e n c y
u na djusted accounts , if in the n atu re of deposits .
The inter-bank deposits at call or short notice
not exceeding 14 days are treated as inter-bank
bor rowings and no t inc luded in th i s re tu rn .
However, inter-bank deposits in current account
a re inc luded . Sav ings depos i t s a re depos i t s
accepted by banks under the i r savings banks
deposits rules and include deposits under SpecialSavings Schemes . Term depos i ts a re depos i ts
with a fixed maturity of not less than 15 days
(7 days in the case of Rs. 15 lakh & above), or
subject to notice of not less than 15 days (7
days in the case of Rs. 15 lakh & above). They
also include (a) deposits including inter-bank
deposits payable after 14 days notice, (b) cash
certificates, (c) cumulative or recurring deposits,
(d) kuri and chit deposits and (e) special deposits
a n d c e r t i f i c a t e s o f d e p o s i t s ( C D s ) . I n t e r e s t
accrued but not paid on these deposits is treated
as other liabilities and therefore not included in
th is retu rn . Certificates of Deposits (CDs) figu res
are s eparately un der term deposits . Any deposits
trea ted a s other dem an d a nd time liab ilities for
the pu rpose of fortnigh