CD ratio Indian Bank FY 2018-2022

Indian Bank had a credit to deposit ratio of approximately 65.56 percent at the end of fiscal year 2022. This was higher than the overall CD ratio for Indian public sector banks, which was approximately 64 percent that 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.