The Credit-Deposit Ratio (CDR) of Scheduled Commercial Banks (SCBs) is a critical indicator of banking efficiency, reflecting the proportion of deposits utilized to sanction loans. When analyzed by place of sanction, it highlights regional disparities in credit distribution relative to deposit mobilization. A high CDR indicates efficient credit allocation but may suggest over-leverage, while a low CDR signals underutilized funds or limited credit expansion. Urban and metropolitan regions generally exhibit higher CDRs due to concentrated industrial and commercial activity, enabling more excellent credit absorption. In contrast, rural areas often show lower CDRs, constrained by limited credit demand and higher risk perceptions. State-specific and regional analyses of CDR provide insights into the economic vibrancy and financial inclusivity of different regions. Policymakers use these insights to tailor interventions for equitable credit distribution, ensuring balanced economic growth and improved access to financial resources across diverse geographies.