Loan to deposit ratio of public sector banks in India FY 2012-2023

The credit to deposit ratio in India for financial year 2023 stood at over 70 percent, an increase from 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. It is an indicator of a bank's liquidity. 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.

2023财年，印度信贷存款比率高达70%以上，较上年有所上升。信贷存款比率是衡量银行健康状况的重要初步指标，它揭示了银行核心资金中有多少被用于贷款。该比率是银行流动性的一个重要指标。比率异常之高可能表明资源压力以及资本充足性问题；而比率过低可能意味着银行未能充分利用其现有资源。