SLBC Report Released After Long Gap Following tripurainfo Impact, Tripura’s CD Ratio Improves to 57%, Banking Sector Shows Strong Growth

By Our Correspondent

Agartala, April 23, 2026

In a significant development influenced by reporting in tripurainfo, the State Level Bankers Committee (SLBC), Tripura has released its detailed agenda note and banking performance report during its latest meeting after a long gap, marking an important step towards transparency in the state’s banking sector.

The report reveals that Tripura’s Credit-Deposit (CD) Ratio has reached 57 percent as on 31 December 2025, showing a marginal improvement compared to previous periods. The CD ratio, which reflects how much of the deposits mobilized by banks are deployed as loans within the state, is calculated based on total deposits of Rs.46,401.19 crore and total advances including RIDF and NEDFI exposure of Rs.26,397.71 crore. Despite this improvement, the SLBC has emphasized that the state must aim to cross the 60 percent mark in the next financial year by enhancing credit flow, particularly in MSME and retail sectors.

As per the latest SLBC report, the district-wise performance indicates that all districts are above the RBI benchmark of 40 percent, with Unakoti leading at 75 percent, followed by Gomati at 74 percent and North Tripura at 71 percent, while West Tripura remains at 40 percent and Dhalai shows a high 91 percent CD ratio. This reflects a relatively balanced distribution of credit across the state, though there is still scope for improvement in certain regions.

As per the SLBC report, the banking sector in Tripura has also recorded steady growth in key parameters. Total deposits have increased to Rs.46,401 crore, registering an 8 percent year-on-year growth, while total advances have risen to Rs.23,834 crore with a similar growth rate. The number of bank branches has expanded to 618, indicating improved banking penetration, especially in rural and semi-urban areas.

As oer the 154th Agenda Note, the

Priority sector lending continues to play a crucial role in the state’s economy. The total priority sector advances stand at Rs.13,651.53 crore, accounting for 62 percent of Adjusted Net Bank Credit. Agriculture credit has reached Rs 4,793.74 crore, while MSME advances have shown significant growth, rising to Rs.5,931.37 crore with a 21 percent increase year-on-year. This growth in MSME financing indicates increasing entrepreneurial activity and economic momentum in Tripura.

154th Agenda Note also shows that under the Annual Credit Plan for 2025–26, banks have collectively disbursed Rs.12,281.52 crore against a target of Rs.17,000 crore, achieving 72 percent of the annual target during the period from April to December 2025.

While MSME and non-priority sectors have performed strongly, agriculture lending remains relatively moderate and requires further focus.

The report also highlights significant achievements in financial inclusion. Advances to Scheduled Castes have increased by 36 percent and to Scheduled Tribes by 30 percent. Women entrepreneurs have received credit worth Rs.4,403.93 crore, and lending to minority communities has also witnessed notable growth. These developments underline the expanding reach of banking services to diverse sections of Tripura society.

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