Index for Ranking Bank Performance in Bihar

On October 23, 2026, the Government of Bihar implemented a 100-point index for the first time to evaluate bank performance. IDFC First Bank secured the top rank.

Key Facts

New Evaluation System: The state's Finance Department introduced a 100-point performance index for a comparative review of banks' operations, credit disbursement, and financial performance.
Three Performance Categories: Banks were classified into Green Zone (50 or more points), Yellow Zone (40–49 points), and Red Zone (below 40 points).
Top Banks: IDFC First Bank ranked first with 74 points. Jammu & Kashmir Bank and RBL Bank tied with 68 points each.
Other Major Banks: HDFC Bank scored 65 points and Bank of Baroda scored 64 points, while State Bank of India was in the Red Zone with 32 points.
Annual Credit Target: Bihar's Annual Credit Plan target for FY 2026-27 was set at Rs. 4.95 lakh crore.
Credit Disbursement: By September 30, 2026, Rs. 1,89,343.52 crore was disbursed in loans, achieving 38.25% of the annual target.
Credit-Deposit Ratio: As of September 30, 2026, Bihar's Credit-Deposit Ratio stood at 60.17%, indicating the state's bank credit deployment relative to deposits.