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In fiscal year 2021, DCB Bank in India had a credit to deposit ratio of around 87.39 percent, up from 83.46 percent in the previous fiscal year. The overall CD ratio of private sector banks in the country stood at around 82 percent that 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.