Bihar bank rankings now use a new 100-point performance assessment index, with IDFC FIRST Bank leading on 74 points, Development Commissioner Mihir Kumar Singh said on October 24, 2026. The first-time assessment comes as banks face pressure to meet the state’s annual credit plan after disbursing 38.25% of the fiscal 2026–27 target by September 30.
Key Takeaways
- IDFC FIRST Bank leads the new performance index with 74 out of 100 points.
- Eleven banks qualify for the Green Zone, while seven are in the Yellow Zone.
- Credit disbursements reached ₹1.89 lakh crore by September 30, with MSME lending further ahead of its target than agriculture.
Table of Contents
- Bihar bank rankings divide lenders into three zones
- Credit delivery remains below half the annual target
- Conclusion
Bihar bank rankings divide lenders into three zones
The state’s Finance Department said banks have been grouped into Green, Yellow and Red zones based on their scores. The Green Zone, described as indicating excellent performance, includes 11 banks scoring at least 50 points.
Seven banks are in the Yellow Zone, while several others fall in the Red Zone. The department said the lowest category includes leading public sector banks, but the announcement did not identify those lenders or provide the score thresholds for the Yellow and Red zones.
The assessment gives the state a framework for comparing banks operating in Bihar. However, the available announcement does not set out the index’s individual criteria or weightings, limiting what can be inferred from a bank’s overall score.
| Item | Details |
|---|---|
| MSME annual credit target | ₹1.59 lakh crore for fiscal 2026–27. |
| MSME disbursements | ₹84,091.21 crore by September 30, 2026; reported achievement of 52.68%. |
| Agriculture disbursements | ₹43,967.17 crore by September 30, 2026; reported achievement of 28%. |
Credit delivery remains below half the annual target
Bihar has set an annual credit plan target of ₹4.95 lakh crore for fiscal 2026–27. By September 30, banks had disbursed ₹1.89 lakh crore, an increase of ₹46,228.29 crore from the corresponding period a year earlier, officials said.
The State Level Bankers’ Committee’s bank- and district-wise annual credit plan target listings include 2026–27, providing a breakdown framework for the statewide lending programme. Those listings are separate from the newly announced performance index.
Sector progress was uneven. Micro, small and medium-sized enterprise lending had achieved more than half its annual target, while agriculture stood at 28%. The stronger MSME achievement rate therefore did not represent progress across all lending categories.
At the review meeting, Singh directed banks to work in mission mode to achieve their annual credit plan targets. He also stressed that deposits mobilised in Bihar should be reinvested in the state’s development. Finance Department officials, the State Level Bankers’ Committee and public and private sector banks participated.
Conclusion
The next measure of progress will be how much banks close the remaining lending gap during fiscal 2026–27, particularly in agriculture. The Bihar bank rankings establish a new comparison, but the announced credit targets remain goals rather than completed lending.
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