LUCKNOW, April 23 -- Even as banking activity in Uttar Pradesh gathers pace, five districts - Ayodhya, Azamgarh, Pratapgarh, Ballia and Unnao - continue to lag in credit disbursal, with their credit-deposit (CD) ratio remaining below 40%.

In contrast, the state's overall CD ratio rose to 60.39% in the December 2025 quarter, up from 59.56% in September, surpassing the 60% benchmark. A healthy CD ratio, a key indicator of how much of a bank's deposits are deployed as loans, typically ranges between 60% and 80%.

Data from the State-Level Bankers' Committee (SLBC), the apex forum for coordinating banking and development programmes in the state, shows a steady improvement in lending trends. In Uttar Pradesh, Bank of Baroda serves as the SLBC...