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The Economic Times

Economy / The Economic Times

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Banks' credit-to-deposit ratio hits record 81.75% as mobilisation lags

Indian banks' credit-to-deposit ratio hit an all-time high of 81.75% as of December 31, signaling pressure to attract deposits amid robust loan demand. This elevated ratio reflects challenges in deposit mobilization, with investors seeking higher returns elsewhere, and a lag in deposit growth compared to credit expansion.

15 Jan 2026 11:46 pm