Bihar Introduces 100-Point Banking Index to Benchmark Lenders
The Bihar government has introduced a first-of-its-kind 100-point performance assessment index to evaluate commercial banks on credit delivery and growth. IDFC FIRST Bank secured the top rank overall with 74 points, while the State Bank of India was placed in the Red Zone with 32 points.
What happened
The Bihar state government officially announced a first-of-its-kind 100-point performance assessment index in Patna on October 24, 2026, following a high-level committee meeting. The initiative evaluates and benchmarks commercial banks operating in the state on metrics such as credit delivery, achievement of Annual Credit Plan targets, credit-deposit ratio, and welfare scheme lending.
The evaluation framework categorizes banks into three distinct zones based on their scores. The Green Zone includes banks scoring 50 points or higher, indicating excellent performance. The Yellow Zone comprises banks scoring between 40 and 49 points, while the Red Zone includes lenders scoring below 40 points, which features several major public sector banks.
IDFC FIRST Bank secured the top rank overall with a score of 74 out of 100 points, leading the Green Zone. Other prominent banks in the Green Zone include Jammu and Kashmir Bank, HDFC Bank, Bank of Baroda, and Union Bank of India. Conversely, the State Bank of India was placed in the Red Zone with a score of 32 points.
During the review period, Bihar set an Annual Credit Plan disbursement target of ₹4.95 lakh crore for FY 2026–27. As of September 30, 2026, total bank disbursements reached ₹1.89 lakh crore, accounting for 38.25% of the annual target. The MSME sector achieved 52.68% of its annual target, while the overall Credit-Deposit Ratio of the state stood at 60.17%.
Important dates
| Announcement Date | 24 October 2026 |
|---|---|
| Credit Data Cut-off Date | 30 September 2026 |
📌 Static GK links
- State: Bihar
- Capital of Bihar: Patna
- Development Commissioner of Bihar: Mihir Kumar Singh
What candidates should do
- Aspirants should note the top-performing bank and the categorization thresholds of the 100-point index for upcoming banking and state-level exams.
- Memorize the credit disbursement targets and the Credit-Deposit Ratio figures for Bihar for descriptive or objective current affairs questions.
PrepZen analysis
The introduction of a 100-point banking index by the Bihar government marks a significant policy shift toward driving accountability and localized credit growth among commercial lenders. By evaluating banks on parameters like the Credit-Deposit Ratio, Annual Credit Plan target achievement, and welfare scheme lending, the state aims to address historical challenges regarding low credit penetration in rural and developmental sectors. For banking exam aspirants, questions from this topic are likely to focus on the top-ranked institution, scoring thresholds, and specific public sector placements such as SBI's inclusion in the Red Zone.
Practice questions
Q1. Which bank secured the top rank overall in Bihar's first-ever 100-point banking assessment index?
Q2. Under Bihar's 100-point banking index, what is the score range required for a bank to be placed in the Green Zone?
Q3. What was Bihar's overall Credit-Deposit Ratio (CDR) as of September 30, 2026?
IDFC FIRST Bank secured the top rank, scoring 74 points overall.
Categories include Green (50+ points), Yellow (40–49 points), and Red (below 40).
State Bank of India was placed in the Red Zone with 32 points.
🎯 Key Point: IDFC FIRST Bank tops Bihar's first-ever 100-point banking index.
FAQs
What is the purpose of Bihar's 100-point banking index?
The index evaluates and benchmarks commercial banks operating in Bihar based on credit delivery, achievement of Annual Credit Plan targets, credit-deposit ratio, and welfare scheme lending.
Which bank topped the index and what was its score?
IDFC FIRST Bank topped the index with an overall score of 74 out of 100 points.
Which zone was the State Bank of India (SBI) placed in?
State Bank of India was placed in the Red Zone with a score of 32 points.
What are the score ranges for the Green, Yellow, and Red zones?
The Green Zone is for scores of 50 points and above, the Yellow Zone is for scores between 40 and 49 points, and the Red Zone is for scores below 40 points.
Sources and references
- uniindia.com (www.uniindia.com)
- rediff.com (money.rediff.com)
- startuplanes.com (www.startuplanes.com)
- 103.115.194 (103.115.194.21)
Prepared by PrepZen for exam preparation. Consult the linked sources for original announcements and current details. Corrections policy. Spotted an error? Write to prepzen.app@gmail.com.
Practice Quiz — 28 October 2026
Q1. Who has been assigned the additional charge as the Director General of the Indo-Tibetan Border Police (ITBP) in October 2026?
Q2. Whom did Anup Bagchi succeed to take charge as the MD & CEO of HDFC Bank?
Q3. Until which date has the tenure of Defence Secretary Rajesh Kumar Singh been extended?
Q4. In Bihar's newly launched 100-point Performance Assessment Index for banks, which bank secured the top spot, and what score places a bank in the 'Red Zone'?
Q5. Which country contributed the name 'Arnab' for the cyclone that made landfall in Andhra Pradesh?
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