International Research Journal of Commerce , Arts and Science

 ( Online- ISSN 2319 - 9202 )     New DOI : 10.32804/CASIRJ

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GOVERNANCE OF COMMERCIAL BANKS’ CREDITS IN NEO LIBERAL ERA WITH SPECIAL REFERENCE TO HIMACHAL PRADESH

    1 Author(s):  DR. MANISH KHANGTA

Vol -  6, Issue- 12 ,         Page(s) : 253 - 259  (2015 ) DOI : https://doi.org/10.32804/CASIRJ

Abstract

Banking in India, has a long historical past to govern all ethnic and religious communities and to meet out the monetary demand of all. In the neo- liberal era, there is a wide disparity in the credit and deposit ratio of commercial banks in all the states and also in Himachal Pradesh, in all the twelve districts. In the period of past two decades, in Himachal Pradesh, the CD Ratio of the commercial banks has shown a gap between 16.23 in Lahaul- Spiti to 65.84 in Sirmaur. It is not a good indicator of the objective to have equitable overall economic development of the State despite of the fact that the commercial banks have focused to govern credits for accomplishment of their goals.

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