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In financial year 2021, the Industrial Development Bank of India had a credit to deposit ratio of under 56 percent. This was a decrease compared to the previous year and a much lower ratio than the average CD ratio of private banks in India, which 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.