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The Bank of Baroda in India had a credit to deposit ratio of over 74 percent at the end of fiscal year 2022, a slightly higher value from the previous fiscal year. The overall CD ratio for Indian public sector banks was at a rate of approximately 64 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.