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Financial Institution Performance and Socio-Economic Indicators: Evidence from Telangana Districts

Author(s) Manoj Kumar Annamaneni, Dr. Shivanarayan Badgaiyan
Country India
Abstract This research paper explains the relationship between the financial institution performance and the socio-economic indicators in thirteen districts in Telangana State, India. Based on the secondary data from 2015 to 2023, we study the branch network density, deposit mobilization, credit distribution, and their association with the literacy rates, per capita income, and poverty levels. The report indicates that there are large differences in financial inclusion between districts, with Hyderabad and Peergatty having higher banking penetration than the rural districts like Jogulamba Gadwal. We have found that there is a positive correlation (r = 0.74) between credit deployment and per capita income growth, and a negative correlation between banking access and poverty reduction in underdeveloped districts. The credit-to-deposits ratios are at an average of 78.7% in the state of Telangana, which reflects a moderated credit expansion capacity. The analysis has used descriptive statistics, correlation analysis, and performance benchmarking at the district levels. Some of the recommendations put forward are to strengthen the banking infrastructure of the tier-2 districts, to encourage financial literacy, and to introduce specific agricultural credit schemes. This research paper can be used in the comprehension of regional financial inequalities and offers an evidence-based argument that can be used by policymakers in responding to inclusive growth agendas in emerging economies.
Keywords Financial institutions, banking performance, socio-economic factors, Telangana, financial inclusion, regional development, credit allocation, deposits mobilisation.
Published In Volume 6, Issue 6, June 2025
Published On 2025-06-12
DOI https://doi.org/10.70528/IJLRP.v6.i6.1936
Short DOI https://doi.org/hbn7xp
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