In fiscal year 2023, the credit to deposit ratio of private sector banks across the country was **** percent. This was an increase compared to the 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. 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.
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Indian Banks' Association. (July 24, 2023). Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 05, 2026, from /statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association. "Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023." Chart. July 24, 2023. ÌÇÐÄÆƽâ°æ. Accessed August 05, 2026. /statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association. (2023). Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 05, 2026. /statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association. "Credit to Deposit Ratio of Private Sector Banks across India from Financial Year 2017 to 2023." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 24 Jul 2023, /statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
Indian Banks' Association, Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023 ÌÇÐÄÆƽâ°æ, /statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/ (last visited August 05, 2026)
Credit to deposit ratio of private sector banks across India from financial year 2017 to 2023 [Graph], Indian Banks' Association, July 24, 2023. [Online]. Available: /statistics/794874/india-loan-to-deposit-ratio-of-private-sector-banks/
