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UID: EC-20241123-IN-03

Source

Basic Statistical Returns of Scheduled Commercial Banks in India, Reserve Bank of India.

Last Updated

November 26, 2024

Time Range

2004 – 2023

Periodicity

Annual

Unit

Sector

Next Update

Indicator Summary

The Credit-Deposit Ratio (C-D Ratio) of Scheduled Commercial Banks (SCBs) measures the proportion of deposits mobilized by banks that are deployed as credit. It is a key indicator of banking sector performance and regional economic activity. When analyzed by the place of utilization, 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 industrialization and demand for credit. Conversely, less-developed regions often exhibit lower C-D ratios, indicating limited credit utilization despite deposit accumulation. This imbalance underscores regional disparities in banking outreach and development. Policymakers use the C-D ratio by place of utilization 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.

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Citation

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Basic Statistical Returns of Scheduled Commercial Banks in India, Reserve Bank of India. (2024). Credit-Deposit Ratio of Scheduled Commercial Banks – According to Place of Utilisation in India from 2004 to 2023, by State (360 Analytika, Ed.) [Dataset]. https://360analytika.com/credit-deposit-ratio-of-scheduled-commercial-banks-according-to-place-of-utilisation-in-india-by-state/

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