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Credit-Deposit Gap Widens
Mint Kolkata
|January 15, 2025
Deposit growth fails to keep pace with advances in 2024, highlighting the challenges for the banking sector
Banks in India added more deposit than loans in 2024, leading to softening of the credit-deposit ratio, even as deposit growth failed to keep pace with advances, showed latest data from Reserve Bank of India.
The gap between deposits and non-food credit widened to over ₹2 trillion last year, higher than ₹1.3 trillion in 2023. Non-food credit is bank credit adjusted for loans given to Food Corp. of India (FCI). In 2022, per RBI data, the gap between deposits and loans was ₹2.6 trillion. Data for 2023 exclude the impact of HDFC Ltd and HDFC Bank merger that added to the banking sector's loans and deposits.
Lenders faced a deposit crunch in 2024 as credit growth outstripped the rise in deposits. While credit growth cooled subsequently, credit still outstripped deposits in December.
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