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Stocks Insights

What Is Credit to Deposit Ratio

Nupur Wankhede Posted on November 06, 2025

Understand what the Credit to Deposit Ratio (CD Ratio) means, how it’s calculated, and why it matters for banks, investors, and regulators.

The Credit to Deposit Ratio (CD Ratio) is a key measure used in banking to assess how efficiently a bank utilises its deposits to generate loans and advances.

It shows the proportion of total deposits that have been used to provide credit to customers. This ratio reflects a bank’s liquidity position, profitability, and lending risk exposure.

A healthy CD ratio ensures that a bank balances lending opportunities with liquidity safety.

Credit to Deposit Ratio Formula

The formula to calculate the Credit to Deposit Ratio is:

  • Credit to Deposit Ratio = (Total Advances ÷ Total Deposits) × 100
Component Explanation

Total Advances

The total amount of loans and credit disbursed by the bank.

Total Deposits

The total funds deposited by customers with the bank.

Step-by-Step Calculation Example

Let’s understand this with an example:

  • Total Advances: ₹750 crore

  • Total Deposits: ₹1,000 crore

CD Ratio = (750 ÷ 1,000) × 100 = 75%

This means that 75% of the deposits have been used to provide credit. The remaining 25% acts as a liquidity buffer to meet withdrawal demands or regulatory reserve requirements.

Benefits of a Higher Credit to Deposit Ratio

A higher CD ratio can indicate strong business activity and effective lending practices when managed well.

Key benefits include:

  • Improved Profitability: Higher credit utilisation can increase interest income.

  • Efficient Resource Allocation: Suggests the bank is effectively converting deposits into revenue-generating loans.

  • Economic Growth Signal: Reflects increased borrowing for consumption or investment purposes.

  • Positive Market Confidence: Indicates robust demand and stable credit conditions.

Disadvantages of Credit to Deposit Ratio

While a high CD ratio can be positive, excessive lending compared to deposits may strain liquidity.

Key drawbacks include:

  • Liquidity Risk: Banks may struggle to meet sudden deposit withdrawals.

  • Increased Credit Risk: Over-aggressive lending can lead to defaults or NPAs (non-performing assets).

  • Regulatory Concerns: Extremely high ratios may trigger central bank scrutiny.

  • Lower Financial Flexibility: Less reserve liquidity to fund future operations or emergencies.

This ratio often ranges between 70% and 80%, although the exact range can vary based on economic conditions and industry practices.

Factors Affecting the Credit to Deposit Ratio

Several factors influence the CD ratio:

  1. Monetary Policy: Changes in RBI’s repo or CRR rates directly affect lending ability.

  2. Economic Conditions: Strong growth phases often push the ratio higher due to increased borrowing demand.

  3. Deposit Growth Rate: Slower deposit inflows can cause the ratio to rise even if credit remains stable.

  4. Lending Rates: Lower interest rates can stimulate borrowing, raising the ratio.

  5. Regulatory Directives: RBI guidelines may set thresholds to maintain sectoral stability.

  6. Liquidity Management: Banks with prudent reserve management tend to maintain balanced ratios.

Conclusion & Key Takeaways

The Credit to Deposit Ratio is a vital indicator of how efficiently banks utilise deposit funds.

A balanced CD ratio helps ensure both profitability and liquidity stability.

Key takeaway:

  • Commonly refereneced moderate ratio (70–80%).

  • Ratios below 60% suggest under-lending, while those above 90% may indicate excessive risk-taking.

  • Sustainable lending practices maintain long-term trust and solvency.

Disclaimer

This content is for informational purposes only and the same should not be construed as investment advice. Bajaj Finserv Direct Limited shall not be liable or responsible for any investment decision that you may take based on this content.

FAQs

What is the formula for credit to deposit ratio?

The credit to deposit ratio is calculated using the formula: (Total Advances ÷ Total Deposits) × 100, which shows the percentage of deposits that have been lent out as advances by a bank.

What happens if the credit to deposit ratio is too low?

A low credit to deposit ratio indicates that a bank is underutilising its deposit base, leading to lower income from lending activities and reduced profitability.

What is the difference between credit to deposit ratio and loan to deposit ratio?

The credit to deposit ratio and loan to deposit ratio are often used interchangeably, but the latter may exclude certain non-loan advances, offering a narrower view of lending activity.

Why has the credit to deposit ratio increased recently?

An increase in the credit to deposit ratio usually results from higher lending demand, slower deposit inflows, or tight liquidity conditions within the banking sector.

What are the risks of a very high credit to deposit ratio?

A very high ratio signals potential liquidity pressure, higher exposure to credit risk, and may attract regulatory scrutiny if lending exceeds sustainable levels.
Hi! I’m Nupur Wankhede
BSE Insitute Alumni

With a Postgraduate degree in Global Financial Markets from the Bombay Stock Exchange Institute, Nupur has over 8 years of experience in the financial markets, specializing in investments, stock market operations, and project management. She has contributed to process improvements, cross-functional initiatives & content development across investment products. She bridges investment strategy with execution, blending content insight, operational efficiency, and collaborative execution to deliver impactful outcomes.

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Posted on 30 Sep

Nupur Wankhede
Stocks Insights
What is the Difference Between Top Line and Bottom Line Growth
Posted on 30 Sep

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Stocks Insights
What Are Trailing Returns and How Are They Calculated
Posted on 30 Sep

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Stocks Insights
ETF Taxation in India
Posted on 30 Sep

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Stocks Insights
Dollar-Cost Averaging: Does It Work in India
Posted on 30 Sep

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How to Adjust Your Investment Portfolio in Bull and Bear Markets
Posted on 29 Sep

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Multi-Leg Strategies in Option Trading
Posted on 29 Sep

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Averaging Up in Stock Trading
Posted on 29 Sep

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Understanding Financial Securities
Posted on 29 Sep

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Everything About the Launch of BSE Futures & Options and Option Chain
Posted on 29 Sep

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Stocks Insights
Understanding FPOs and QIPs: Methods for Raising Capital in Indian Markets
Posted on 29 Sep

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Understanding Diluted Shares and Their Impact on Investors
Posted on 29 Sep

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Stocks Insights
How to Gift Shares to Your Loved Ones: A Complete Guide
Posted on 29 Sep

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Stocks Insights
How Different Types of ETFs Have Performed in the Indian Market
Posted on 29 Sep

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Stocks Insights
Primary Market vs Secondary Market: What’s the Difference?
Posted on 29 Sep

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What is Meant By Bottom-Of-The-Pyramid Customers
Posted on 29 Sep

Nupur Wankhede
Stocks Insights
Understanding Multi-Cap Fund Rebalancing
Posted on 29 Sep

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Stocks Insights
What is a Meme Stock Understanding the Viral Trading Phenomenon
Posted on 29 Sep

Nupur Wankhede
Stocks Insights
Escrow Shares
Posted on 29 Sep

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Stocks Insights
What is Operating Margin Meaning, Formula, and Importance Explained
Posted on 29 Sep

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Stocks Insights
Should Retail Investors Follow FII Activity? Pros and Cons Explained
Posted on 29 Sep

Nupur Wankhede
Stocks Insights
What Are Inflation-Indexed Bonds? Work and Why Investors Use Them
Posted on 29 Sep

Nupur Wankhede
Stocks Insights
Institutional Investor Meaning Working Types and Impact on Market
Posted on 29 Sep

Nupur Wankhede
Stocks Insights
Debt to Equity (DE) Ratio
Posted on 29 Sep

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Stocks Insights
Benjamin Graham’s 7 Criteria for Defensive Investors: A Timeless Value Investing Guide
Posted on 29 Sep

Nupur Wankhede
Stocks Insights
Most Common Functions of a Stock Exchange You Must Know
Posted on 29 Sep

Nupur Wankhede
Stocks Insights
Understanding Commodities Exchanges: Key Functions and Market Types
Posted on 25 Sep

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Stocks Insights
Open Market Operations (OMO): How RBI Controls Money Supply
Posted on 25 Sep

Nupur Wankhede
Stocks Insights
Understanding Stock Market Fluctuations: Causes, Effects, and How to Navigate Them
Posted on 23 Sep

Nupur Wankhede
Stocks Insights
What Is Compound Annual Growth Rate (CAGR)? Meaning & Why It Matters in Investing
Posted on 22 Sep

Nupur Wankhede
Stocks Insights
Margin of Safety in Stocks – Meaning, Importance & Benefits
Posted on 22 Sep

Anshika
Stocks Insights
Trading Terminal
Posted on 22 Sep

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Stocks Insights
SEBI Guidelines on Share Buyback: Key Rules Every Investor Should Know
Posted on 22 Sep

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Stocks Insights
What is a Back‑Door Listing
Posted on 22 Sep

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Stocks Insights
How To Identify A Stock Broker
Posted on 22 Sep

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Stocks Insights
Key Differences Between Cyclical and Defensive Stocks
Posted on 22 Sep

Anshika
Stocks Insights
What is Alphabet Stock
Posted on 22 Sep

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Stocks Insights
How DIY Investing Adds Value to Your Portfolio
Posted on 22 Sep

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Stocks Insights
Common Reasons for Stock Price Fluctuations
Posted on 22 Sep

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Stocks Insights
What is Sub Broker
Posted on 22 Sep

Nupur Wankhede
Stocks Insights
What Is a Stock Market Bubble? Explained Simply
Posted on 22 Sep

Anshika
Stocks Insights
Discount Broker vs Full-Service Broker
Posted on 20 Sep

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Stocks Insights
Silver ETFs in India: All You Need to Know Before You Invest
Posted on 20 Sep

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Stocks Insights
What’s the Difference Between Market Value and Intrinsic Value?
Posted on 20 Sep

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Stocks Insights
Value Investing: Definition, How It Works, Strategies, Risks
Posted on 20 Sep

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Stocks Insights
What Is a Cross Rate? Meaning and Examples Explained
Posted on 20 Sep

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Stocks Insights
Alternate Investment Funds (AIFs) Explained: Types, Benefits & Risks
Posted on 20 Sep

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Stocks Insights
Understanding Forward Contracts: How They Work and Why They're Used
Posted on 20 Sep

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Stocks Insights
Book Value vs. Market Value: Key Differences and Why They Matter to Investors
Posted on 20 Sep

Nupur Wankhede
Stocks Insights
Understanding Stock Market Headwinds and Their Impact on Investors
Posted on 20 Sep

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Stocks Insights
What Are Market Indicators and Why Do They Matter
Posted on 20 Sep

Nupur Wankhede
Stocks Insights
Commodity Market Timings: When and What You Can Trade
Posted on 20 Sep

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Stocks Insights
Bull vs. Bear Markets: What’s The Difference?
Posted on 20 Sep

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Stocks Insights
What is a Proxy Statement
Posted on 20 Sep

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Stocks Insights
Market Correction – Definition & Factors to Consider
Posted on 20 Sep

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Introduction to Trading Psychology
Posted on 20 Sep

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Stocks Insights
What Is Backstop in Stock Market: A Comprehensive Guide
Posted on 20 Sep

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Stocks Insights
What is a Negative Volume Index in Stock Market
Posted on 20 Sep

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Stocks Insights
Trading Floor: Method & Types
Posted on 20 Sep

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Stocks Insights
Understanding Commodity Futures: Meaning, Types & Benefits
Posted on 19 Sep

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Stocks Insights
What Is a Maturity Date
Posted on 19 Sep

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Stocks Insights
Bullion Market — Meaning and Its Benefits
Posted on 19 Sep

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Stocks Insights
Things to Look at Before Investing in Equity Fund
Posted on 19 Sep

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Stocks Insights
The Importance of Diversification in Investing: A Beginner’s Guide
Posted on 19 Sep

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Stocks Insights
What is Auction Market
Posted on 19 Sep

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Stocks Insights
What is Taxpayer Identification Number (TIN) Format, Purpose & Application Process
Posted on 19 Sep

Nupur Wankhede
Stocks Insights
India’s Metal Sector: A Comprehensive Industry Overview and Market Outlook
Posted on 19 Sep

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Stocks Insights
What is High-Frequency Trading Everything You Need to Know
Posted on 19 Sep

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Stocks Insights
Power Stocks: Key Drivers
Posted on 19 Sep

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What Causes FII Inflows and Outflows? Key Factors Explained
Posted on 19 Sep

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Stocks Insights
Union Budget 2025 Impact on Major Sectors & Stock Market
Posted on 19 Sep

Anshika
Stocks Insights
Comptroller and Auditor General of India (CAG)
Posted on 19 Sep

Nupur Wankhede
Stocks Insights
What is Physical Delivery in Commodity Trading?
Posted on 18 Sep

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Stocks Insights
Is Algorithmic Trading Legal and Profitable
Posted on 18 Sep

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Stocks Insights
What is Consolidated Fund of India
Posted on 18 Sep

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Everything About Public Sector Undertakings PSUs in India
Posted on 18 Sep

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Income Tax Return Filing for Futures and Options F&O Traders
Posted on 18 Sep

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FAAMG Stocks Explained A Deep Dive into Facebook Google Amazon Apple and Microsoft
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Smart Strategies to Manage Volatility in the Stock Market
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Indian Auto Stocks: Key Trends and Picks
Posted on 18 Sep

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What Is an Economic Moat? A Key Concept in Stock Evaluation
Posted on 18 Sep

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Stocks Insights
What Does SEBI’s Move to T+1 Settlement Mean for Indian Stock Markets?
Posted on 17 Sep

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Stocks Insights
What is NCDEX in Share Market Meaning, Functions, and Benefits
Posted on 17 Sep

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Stocks Insights
Large Cap vs Mid Cap vs Small Cap: Which is Better for Investment
Posted on 17 Sep

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Should You Invest in Partly Paid Shares: Key Benefits & Considerations
Posted on 17 Sep

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Stocks Insights
What is Margin Shortfall in MTF
Posted on 16 Sep

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Stocks Insights
Understanding Stock Market Crashes: Why They Happen and What to Do
Posted on 16 Sep

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What Is a Displaced Moving Average (DMA) Definition & Uses
Posted on 16 Sep

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Stocks Insights
Lumpsum Calculator in the Stock Market
Posted on 16 Sep

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Stocks Insights
History of ITC Group
Posted on 16 Sep

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What Is a Liquidity Trap and Why Should Investors Care
Posted on 16 Sep

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Options Delta – Impact on Pricing & Risk Management
Posted on 15 Sep

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How to Trade Risk-Free Using a Demo Account
Posted on 15 Sep

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Difference Between Online Trading and Offline Trading
Posted on 15 Sep

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Automated Trading Tools in the Stock Market: Benefits & Overview
Posted on 15 Sep

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Understanding the Secondary Market Role in the Stock Market & How It Works
Posted on 15 Sep

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Stocks Insights
What Is the Meaning of Credit Balance in a Trading Account
Posted on 15 Sep

Nupur Wankhede
Stocks Insights
Insider Trading: Meaning, Examples and SEBI Regulations
Posted on 15 Sep

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Stocks Insights
How to Create a Successful Day Trading Plan
Posted on 15 Sep

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Stocks Insights
Essential Things to Know Before Buying Fractional Shares
Posted on 15 Sep

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Stocks Insights
What is Market Depth (DOM)? Meaning, Importance & How to Use It in Trading
Posted on 12 Sep

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Stocks Insights
What is Percentage Gain and How Does it Work
Posted on 12 Sep

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Stocks Insights
Evaluating the Benefits and Risks of Algo Trading
Posted on 12 Sep

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Impact of Mergers and Acquisitions on Stock Prices Explained
Posted on 12 Sep

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Stocks Insights
Strategies to Identify Entry and Exit Points in the Stock Market
Posted on 12 Sep

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Stocks Insights
What is Trend Trading? Types, Examples & How It Works
Posted on 12 Sep

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Stocks Insights
Value at Risk (VaR): Meaning, Examples, Types & Formula
Posted on 12 Sep

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Stocks Insights
Beginner’s Guide to Derivatives Trading with FnO
Posted on 12 Sep

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Stocks Insights
SEBI’s Role in Regulating Stock Markets in India
Posted on 12 Sep

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Stocks Insights
Understanding Share Pledging by Promoters and Its Impact on Investors
Posted on 12 Sep

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Stocks Insights
Coupon Rate vs Yield to Maturity: Key Differences Explained
Posted on 12 Sep

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How Margin Trading Works to Reduce Risk in Online Trades
Posted on 12 Sep

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Why People Buy Shares – Top Reasons Explained
Posted on 12 Sep

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How Index Rebalancing Works and Why It Matters to Investors
Posted on 11 Sep

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How to Identify High Dividend Paying Stocks
Posted on 11 Sep

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Common Options Trading Strategies Every Trader Should Know
Posted on 11 Sep

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How to Balance Short‑Term and Long‑Term Investment Returns
Posted on 11 Sep

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Stocks Insights
Advantages and Disadvantages of Share Buyback
Posted on 11 Sep

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How Can an Investor Track Their Equity (Stock) Portfolio
Posted on 11 Sep

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Forward Market & Its Meaning, Types and Benefits
Posted on 11 Sep

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Common Investing Mistakes Investors Should Avoid
Posted on 11 Sep

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Must-Know Indicators for Options Traders: A Beginner’s Guide
Posted on 11 Sep

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