{
 "name": "India CASA Ratio (Current & Savings Share of Bank Deposits)",
 "unit": "percent of aggregate deposits",
 "dashboard": "https://bankpulse.ai/dashboards/casa-ratio/",
 "source": "RBI / DBIE banking-statistics data on composition of scheduled-commercial-bank deposits (CASA vs term)",
 "reviewed_by": "Vikram Jain",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "updated": "2026-06-19T07:30:29+05:30",
 "dateModified": "2026-06-19T07:30:29+05:30",
 "method": "casa_ratio = (current_account + savings_account balances) / aggregate_deposits of scheduled commercial banks",
 "note": "Rounded and approximate; varies by bank and by period-end vs average basis; recent years provisional and revised. The system-wide CASA share peaked near 44% in the low-rate FY22 and has drifted toward ~38% by FY25 as savers moved to higher-yielding term deposits after the RBI rate-hike cycle, raising banks' cost of funds and pressuring net interest margins.",
 "series": [
  {
   "fiscal_year": "FY21",
   "casa_ratio_pct": 42.0,
   "approximate": true,
   "note": "Pandemic liquidity and ultra-low deposit rates lift CASA"
  },
  {
   "fiscal_year": "FY22",
   "casa_ratio_pct": 44.0,
   "approximate": true,
   "note": "Peak CASA share -- term deposits unattractive at rock-bottom rates"
  },
  {
   "fiscal_year": "FY23",
   "casa_ratio_pct": 42.0,
   "approximate": true,
   "note": "Rate-hike cycle begins; savers start shifting to term deposits"
  },
  {
   "fiscal_year": "FY24",
   "casa_ratio_pct": 40.0,
   "approximate": true,
   "note": "CASA under pressure as high term-deposit rates pull funds away"
  },
  {
   "fiscal_year": "FY25",
   "casa_ratio_pct": 38.0,
   "approximate": true,
   "note": "CASA share near multi-year low (~37-39%) -- cost of funds rises"
  }
 ]
}