In fiscal year 2023, the credit to deposit ratio of private sector banks across the country was 85.2 percent. This was an increase compared to the previous year.
The credit to deposit ratio is an important first indication to gauge a bank's health, as it shows how much of a bank's core funds are being used for lending. A very high ratio indicates pressure on resources as well as capital adequacy issues, while a very low ratio can mean that the bank is not using its available resources optimally.
Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023
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Indian Banks' Association. (July 24, 2023). Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023 [Graph]. In Statista. Retrieved November 12, 2024, from https://www.statista.com/statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association. "Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023." Chart. July 24, 2023. Statista. Accessed November 12, 2024. https://www.statista.com/statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association. (2023). Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023. Statista. Statista Inc.. Accessed: November 12, 2024. https://www.statista.com/statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association. "Credit to Deposit Ratio of Private Sector Banks across India from Financial Year 2017 to 2023." Statista, Statista Inc., 24 Jul 2023, https://www.statista.com/statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association, Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023 Statista, https://www.statista.com/statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/ (last visited November 12, 2024)
Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023 [Graph], Indian Banks' Association, July 24, 2023. [Online]. Available: https://www.statista.com/statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/