The population per bank branch in Mizoram declined from 11,400 in June 2001 to 9,100 by June 2013 and thus was much lower than the all-India average of 11,800 (Chart 7) reflecting better coverage of banking services. BIS central bankers’ speeches  7  However, Credit-Deposit (C-D) ratio remained significantly lower than the all-India average (Chart 8).
Moreover, C-D ratio in Mizoram has declined in the more recent years. It could partly be that deposits have grown faster. The annual deposit growth rate of Mizoram was significantly higher than the national average. However, the credit growth rate has fallen short of the national average after 2007–08 (Chart 9).