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The Allahabad Bank in India had a credit to deposit ratio of a approximately 63 percent at the end of fiscal year 2020, down from around 66 percent in fiscal year 2019. The overall CD ratio for Indian public sector banks was at a rate of approximately 68 percent in the fiscal year 2020, indicating a slightly stressful situation for the country's economy. In April 2020, Allahabad Bank was merged into Indian Bank.

The credit to deposit ratio is an important first indication to gauge a bank's health, as it shows how much of the 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.