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Credit-to-Deposit Ratio in 2025
January 27 , 2026
10 hrs 0 min
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- Indian banks’ credit-to-deposit (CD) ratio reached a record 81.75% in 2025, showing strong lending demand.
- The CD ratio measures loans given by banks compared to deposits collected.
- A ratio of 81.75% means banks lend ₹81.75 for every ₹100 deposited.
- Bank credit grew 11.4% in 2025, while deposits increased only 10.1%.
- Deposit growth slowed due to lower interest rates after the Reserve Bank of India (RBI) policy cuts.
- A high CD ratio indicates liquidity pressure and reliance on alternative funding sources like bonds.
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