Bks’ credit-deposit ratio rises to 82%

SBI RESEARCH REPORT

- PTI

With the financialisation of the economy, India's Credit-Deposit (CD) ratio has been increasing continuously since 2000-01 from 53 per cent to 82 per cent as of December 15, 2025, which signifies a better financial development and lead to strong economic growth, a report said on Monday.

The incremental CD ratio numbers, which crossed 100 per cent in a number of instances, show the increasing demand for credit, despite lean deposits growth but banks honoured it by raising resources from other sources, an SBI Research Report said.