The Credit-Deposit Ratio (C-D Ratio) of Scheduled Commercial Banks (SCBs) measures the proportion of deposits mobilised by banks that are deployed as credit. It is a key indicator of banking sector performance and regional economic activity. When analysed by the place of utilisation, the C-D ratio highlights the disparity between regions regarding credit absorption capacity and economic development. In economically advanced states, the C-D ratio is typically higher, reflecting greater industrialisation and demand for credit. Conversely, less-developed regions often exhibit lower C-D ratios, indicating limited credit utilisation despite deposit accumulation. This imbalance underscores regional disparities in banking outreach and development. Policymakers use the C-D ratio by place of utilisation to address economic inequities. A high ratio can signal efficient resource allocation. Still, an excessively high ratio may indicate over-leveraging, while a low ratio points to credit underutilization, calling for targeted interventions to stimulate growth.