The credit to deposit ratio in India for financial year 2023 stood at over 70 percent, an increase from 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. It is an indicator of a bank's liquidity. 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 public sector banks across India from financial year 2012 to 2023
Characteristic
Loan to deposit ratio
FY 2023
70.74%
FY 2022
65.72%
FY 2021
64.11%
FY 2020
68.06%
FY 2019
69.43%
FY 2018
68.96%
FY 2017
68.78%
FY 2016
74.63%
FY 2015
76.12%
FY 2014
77.42%
FY 2013
77.85%
FY 2012
75.14%
0%20%40%60%80%100%
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Indian Banks' Association. (July 24, 2023). Credit to deposit ratio of public sector banks across India from financial year 2012 to 2023 [Graph]. In Statista. Retrieved May 16, 2025, from https://www.statista.com/statistics/794872/india-loan-to-deposit-ratio-of-public-sector-banks/
Indian Banks' Association. "Credit to deposit ratio of public sector banks across India from financial year 2012 to 2023." Chart. July 24, 2023. Statista. Accessed May 16, 2025. https://www.statista.com/statistics/794872/india-loan-to-deposit-ratio-of-public-sector-banks/
Indian Banks' Association. (2023). Credit to deposit ratio of public sector banks across India from financial year 2012 to 2023. Statista. Statista Inc.. Accessed: May 16, 2025. https://www.statista.com/statistics/794872/india-loan-to-deposit-ratio-of-public-sector-banks/
Indian Banks' Association. "Credit to Deposit Ratio of Public Sector Banks across India from Financial Year 2012 to 2023." Statista, Statista Inc., 24 Jul 2023, https://www.statista.com/statistics/794872/india-loan-to-deposit-ratio-of-public-sector-banks/
Indian Banks' Association, Credit to deposit ratio of public sector banks across India from financial year 2012 to 2023 Statista, https://www.statista.com/statistics/794872/india-loan-to-deposit-ratio-of-public-sector-banks/ (last visited May 16, 2025)
Credit to deposit ratio of public sector banks across India from financial year 2012 to 2023 [Graph], Indian Banks' Association, July 24, 2023. [Online]. Available: https://www.statista.com/statistics/794872/india-loan-to-deposit-ratio-of-public-sector-banks/
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