Tripura: Low Credit Deposit Ratio Explained
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Tripura Gramin Bank chairman explains Tripura's low credit deposit ratio (CDR) due to lack of industrialization. Details inside.
Agartala, May 2 (PTI) Tripura Gramin Bank Chairman Satyendra Singh on Saturday said "lack of industrialisation" in the state was the reason behind its "low" credit deposit ratio (CDR).
The northeastern state has shown a declining trend in CDR during the past three years â from 52 per cent in the 2023-24 fiscal, 51 per cent in 2024-25 and 50 per cent in 2025-26, according to a report by the State Level Bankers' Committee (SLBC).
"In Tripura, we don't have many industries or processing centres and that is why we are not able to release large loan amounts. This is the reason the state's CDR is low compared to other states," Singh said at a press conference here.
"The bank has been trying to improve it by taking various steps, and that resulted in continuous growth in CDR from 36.44 per cent in 2022-23 to 41.63 per cent in 2025-26," he said.
Singh, however, said the CDR will rise over the next two or three years as the state is heavily investing in infrastructure building.
He said the bank's deposits stood at Rs 15,422 crore during the 2025-26 fiscal.
The lender, which has 150 branches in the state, posted a consolidated profit of Rs 184.84 crore in 2025-26, Singh added.
The northeastern state has shown a declining trend in CDR during the past three years â from 52 per cent in the 2023-24 fiscal, 51 per cent in 2024-25 and 50 per cent in 2025-26, according to a report by the State Level Bankers' Committee (SLBC).
"In Tripura, we don't have many industries or processing centres and that is why we are not able to release large loan amounts. This is the reason the state's CDR is low compared to other states," Singh said at a press conference here.
"The bank has been trying to improve it by taking various steps, and that resulted in continuous growth in CDR from 36.44 per cent in 2022-23 to 41.63 per cent in 2025-26," he said.
Singh, however, said the CDR will rise over the next two or three years as the state is heavily investing in infrastructure building.
He said the bank's deposits stood at Rs 15,422 crore during the 2025-26 fiscal.
The lender, which has 150 branches in the state, posted a consolidated profit of Rs 184.84 crore in 2025-26, Singh added.
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