OVERVIEW OF BANKING SCENARIO IN J&K
| AMOUNT IN CRORE (₹) |
SRL |
PARTICULARS |
Q3
2024-25 |
Q3
2025-26 |
GROWTH
YoY |
1 |
DEPOSITS |
1,91,800 |
2,06,507 |
8% |
2 |
ADVANCES |
1,18,945 |
1,29,262 |
9% |
3 |
TOTAL BUSINESS |
3,10,745 |
3,35,769 |
8% |
4 |
CD RATIO (%) |
62.01% |
62.59% |
0.58% |
5 |
GROSS NPAs |
5,025
(4.36%) |
4,277
(3.23%) |
-15% |
6 |
PRIORITY SECTOR ADVANCES (PSA) |
46,930 |
56,702 |
21% |
|
SHARE OF PSA IN TOTAL ADVANCES (%) |
39% |
44% |
|
7 |
NON-PRIORITY SECTOR ADVANCES (NPSA) |
72,015 |
72,561 |
1% |
|
SHARE OF NPSA IN TOTAL ADVANCES (%) |
61% |
56% |
|
GROWTH IN KEY BANKING PARAMETERS
| AMOUNT IN CRORE (₹) |
| S. No |
PARTICULARS |
Q32024-25 |
Q32025-26 |
GROWTHYoY |
| 1 |
Branches |
2,181 |
2,220 |
2% |
| |
Metro |
207 |
218 |
5% |
| |
Urban |
349 |
360 |
3% |
| |
Semi-Urban |
498 |
517 |
4% |
| |
Rural |
1,127 |
1125 |
0% |
| 2 |
ATMs |
2,669 |
2,702 |
1% |
| |
Metro |
426 |
443 |
4% |
| |
Urban |
604 |
604 |
0% |
| |
Semi-Urban |
839 |
799 |
-5% |
| |
Rural |
800 |
856 |
7% |
| 3 |
Banking Correspondents |
4,224 |
9,195 |
118% |
| |
Metro |
43 |
250 |
481% |
| |
Urban |
188 |
663 |
253% |
| |
Semi-Urban |
539 |
1293 |
140% |
| |
Rural |
3,454 |
6,989 |
102% |
| 4 |
Credit Disbursement under ACP |
51,647 |
63,892 |
24% |
| 4(a) |
Priority Sector Disbursement |
26,406 |
33,178 |
26% |
| I |
Agriculture |
7,450 |
10,811 |
45% |
| |
Out of Agriculture loans to Small & Marginal Farmers |
5,419 |
6,830 |
26% |
| II |
MSME |
16,780 |
19,085 |
14% |
| III |
Export Credit |
0 |
4 |
- |
| IV |
Education |
106 |
107 |
1% |
| V |
Housing |
368 |
529 |
44% |
| VI |
Social Infrastructure |
2 |
4 |
101% |
| VII |
Renewable Energy |
12 |
234 |
1850% |
| VIII |
Others |
1,688 |
2,404 |
42% |
| 4(b) |
Non-Priority Sector disbursements |
25,241 |
30,715 |
22% |
|
