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Bank credit-to-deposit ratio stays below 80% amid slowing credit demand: Report
The Business Guardian
|August 15, 2025
The credit-to-deposit ratio in Indian banks has stayed below 80 per cent as credit offtake in the country continues to lag, according to a report by CareEdge Ratings.
The report highlighted that while both credit offtake and deposit growth have increased sequentially, they remain significantly lower than the levels seen last year.
Deposits continued to outpace credit offtake in the current fortnight, leading to a narrowing of the credit-deposit gap.
It stated "Credit to Deposit Ratio Remains Below 80 per cent as Credit Offtake Lags".
The report data pointed out that as of July 25, 2025, credit offtake stood at Rs 185.0 lakh crore, reflecting a 10.0 per cent year-on-year (y-o-y) growth.
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