1 The present paper is based upon the finding of Ph.D. work; Problem of Low CD Ratio in Bihar & Its Impact on Economic Development With Special Reference To Working of SBI (1991-2007) by Kamlesh Kumar Under the supervision of Prof. (Dr) Kumudani Sinha, Department of Economics, Patna University, Patna,2013.
2 Report on currency and finance, RBI, 2006-2007.
3 Theory of Economic Growth and Technical Progress, Dholakia Bakul H and Ravindra H, Macmillan India ltd, 1998.
4 White paper on state finance and development, finance department, government of Bihar, 2005.
5 Economic survey of Bihar 2006-2007.
6 Bihar economy through the plans; in comparison with all India and other states, Prasad K N, 1997.
7 Times of India, Patna, august 22, 2013.
8Y S P Thorat Committee, GOI, 2005.
9 SLBC, Patna, September 30, 2012.
10 The ratio of investment indicates bankers’ holding of state level securities.
11 C D Ratio and ownership structure in the Indian banking sector: an empirical analysis; Kumar Nitin & Verme Punit
Kumar, RBI.
12 Data book for DCH; April 10, 2012.