Loan to deposit ratio of private sector banks in India FY 2017-2023
In fiscal year 2023, the credit to deposit ratio of private sector banks across the country was 85.2 percent. This was an increase compared to the previous 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.
