Indian Banks' Credit-to-Deposit Ratio Reaches Record High of 81.75% as Deposit Mobilization Lags
Published on: Jan. 16, 2026, 6:05 a.m. | Source: scanx.trade
Indian banks' credit-to-deposit ratio reached a record 81.75% as of December 31, reflecting funding pressure as credit growth of 11.4% outpaced deposit growth of 10.1%. Competition from small savings schemes offering 7.10% versus banks' 6.40-6.50% rates has intensified deposit mobilization challenges. Banks are exploring alternative funding sources including bond issuance and have requested RBI to include bond borrowings in CD ratio calculations to bring it below 80%.
