{
 "name": "India Scheduled Commercial Banks' Deposits & Credit by Population Group",
 "unit": "deposit share, credit share and credit-deposit ratio in percent",
 "dashboard": "https://bankpulse.ai/dashboards/population-group-banking/",
 "source": "RBI Basic Statistical Returns (BSR) on Banking in India / RBI Database on the Indian Economy (DBIE), rbi.org.in",
 "reviewed_by": "Vikram Jain",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "updated": "2026-06-19T21:35:37+05:30",
 "dateModified": "2026-06-19T21:35:37+05:30",
 "note": "Official estimates, rounded and approximate. Shares are of all-India SCB deposits / credit by RBI population group (Rural <10k, Semi-Urban 10k-1L, Urban 1L-10L, Metropolitan 10L+). The per-group credit-deposit ratio is indicative. Structural shares move slowly. Exact decimals pending reviewer sign-off; not in the public Verified-numbers ledger.",
 "series": [
  {
   "population_group": "Rural",
   "deposit_share_pct": 9,
   "credit_share_pct": 8,
   "credit_deposit_ratio_pct": 71,
   "note": "Agriculture, MSME & rural retail; deposits broadly track credit"
  },
  {
   "population_group": "Semi-Urban",
   "deposit_share_pct": 15,
   "credit_share_pct": 11,
   "credit_deposit_ratio_pct": 58,
   "note": "Largest deposit surplus — savings raised here fund lending elsewhere"
  },
  {
   "population_group": "Urban",
   "deposit_share_pct": 18,
   "credit_share_pct": 15,
   "credit_deposit_ratio_pct": 67,
   "note": "Mixed retail & business; CD ratio near the all-India average"
  },
  {
   "population_group": "Metropolitan",
   "deposit_share_pct": 58,
   "credit_share_pct": 66,
   "credit_deposit_ratio_pct": 91,
   "note": "Big-city corporate & retail credit — the dominant slice of bank lending"
  }
 ]
}