Chief Minister Yogi Adityanath set the target of increasing the credit deposit ratio of UP to more than 62% in the SLBC meeting. Banks were instructed to provide easy and time bound loans to MSMEs, farmers, youth and women.
Lucknow. Chief Minister Yogi Adityanath has set a target of increasing the total credit deposit (CD ratio) of Uttar Pradesh to more than 62 percent by the end of the current financial year. While presiding over the special meeting of the State Level Bankers Committee (SLBC) on Sunday, the Chief Minister asked all the bank representatives to review their CD ratio and directed them to make concrete and effective efforts to increase it. It was told in the meeting that by December 2025, the total CD ratio of the state has reached 60.39 percent, which is the highest level in the last ten years.
Big improvement in district-wise CD ratio, number of weak districts decreased
The Chief Minister was told that in the district-wise review, the number of districts with CD ratio less than 40 percent has reduced to only 5. There has been continuous improvement in the number of districts in 40-50, 50-60 and 60-80 percent category. In March 2018, there were 20 districts with CD ratio less than 40 percent, which has now reduced to 5. The Chief Minister directed that targeted improvement in the CD ratio of all the districts should be ensured by March 2026.
After ODOP, now ODOC: Small businessmen will get banking support
Chief Minister Yogi Adityanath said that after the success of ‘One District-One Product (ODOP)’, now the state government is starting the ‘One District-One Cuisine (ODOC)’ scheme. Its aim is to give a new identity to small traders, artisans involved in traditional cooking and gig workers.
He appealed to the banks that just as ODOP got financial support, in the same way, maximum loans should be made available to ODOC by giving priority to it. The government is providing full support in training, packaging, branding and marketing.
Instructions to make banking process simple and fast in government schemes
Giving examples of Pradhan Mantri Surya Ghar Yojana and Chief Minister Yuva Udyami Vikas Abhiyan, the Chief Minister said that the role of banks is very important in the success of these schemes. He clarified that unnecessary documents, repeated verifications and delays in the process discourage beneficiaries. The banking process should be simple, transparent and citizen-friendly.
Emphasis on easy and time bound loans to farmers, MSME and youth
The Chief Minister said that economic activities, industrial investment, entrepreneurship, agriculture and women and youth self-reliance are increasing rapidly in Uttar Pradesh. Active participation of the banking system is necessary in this progress. He directed that loan availability to farmers, MSMEs, startups, women self-help groups and youth should be simple, respectable and time bound. Instructions were given to organize special campaigns and mega loan fairs targeting villages in districts with CD ratio less than 40 percent.
UP’s banking sector strengthened in 8 years
It was told in the meeting that the banking system of Uttar Pradesh has become quite strong in the last 8 years.
- Total deposits in March 2017: Rs 8.92 lakh crore
- Total deposits in December 2025: Rs 20.44 lakh crore
Loan disbursement increased from Rs 4.05 lakh crore to Rs 12.34 lakh crore during the same period. Total banking business has increased from Rs 12.80 lakh crore to Rs 32.79 lakh crore.
UP is leading in the country in financial inclusion
Uttar Pradesh performed outstandingly in the country in the financial inclusion campaign of July-October 2025. The state got first position in seven out of eight major indicators. During this period, 57,699 financial literacy camps, 22.24 lakh Jan Dhan accounts, 43.35 lakh PMSBY enrolments, 6.90 lakh Atal Pension Yojana subscriptions were registered.
Big loans worth more than Rs 22,000 crore approved in 2025-26
Large loans worth over Rs 22,000 crore were sanctioned across various sectors including energy, agriculture, infrastructure, industry, MSME and NBFC co-lending model in the financial year 2025-26. Loans worth Rs 1.32 lakh crore were approved on Vishwakarma Jayanti alone. Two mega loan disbursement programs are proposed in February and March 2026.
Record loan distribution in government schemes
- Pradhan Mantri Surya Ghar Yojana: 2.07 lakh loan disbursement
- PM Swanidhi Yojana: UP first in the country
- Kisan Credit Card: Rs 1 lakh crore limit for 50.82 lakh farmers
- Women SHGs: Bank-linking to 2.16 lakh groups
Big expansion of banking network in UP
In the last ten years, more than 3.89 lakh banking outlets have been established in the state. A total of 4.30 lakh banking outlets are active by December 2025. More than 10.21 crore accounts have been opened under Jan Dhan Yojana, which is the highest in the country.
UP towards trillion dollar economy: CM Yogi
Chief Minister Yogi Adityanath expressed confidence that the bank and the government together will rapidly move Uttar Pradesh towards the goal of trillion dollar economy.