Banking Reform

Introduction: The Question Odisha Must Confront Odisha is not a poor state.It is a capital-surplus state. Households save. Corporates deposit. Public sector units park funds. Yet industries complain of credit…

Introduction After examining capital leakage, bank risk mechanics, inter-state comparisons, and district-level gaps, the conclusion is unavoidable:Odisha’s low Credit–Deposit (CD) ratio is not inevitable. A CD ratio of 65% by…