provide them credit liberallythe cd ratio is also linked with the regional disparities in the state regionwise eastern up is the worst in cd ratio which is 29 per cent while the highest 546 per cent is in the bundelkhand region which has been pumped with huge government investment recently west up is the second best with 526 per cent and the central up with 495 per centfurther analysis shows that the eastern region is half of the state average and less than onethird of the central region on the basis of the per capita credit availability notably 13 districts particularly in western region have the cd ratio above 60 per cent and 14 districts have the cd ratio less than 60 per cent of the bottom 15 districts mau and pratapgarh have the lowest cd ratio of 30 per cent interestingly all the 14 districts out of bottom 15 districts fall in eastern region in term of per capita income kaushambi is the lowest with rs 1079 and lucknow the highest with rs 36845