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India bank credit & deposit growth

Quick answerAs of the fortnight ended 31 May 2026, bank credit grew 17.65% YoY and deposits 12.21%. Outstanding credit is ₹215.15 lakh crore against deposits of ₹260.02 lakh crore — a credit-deposit ratio of 82%. Credit is outpacing deposits, keeping funding pressure on banks.
17.65%
Bank credit growth (YoY)
12.21%
Deposit growth (YoY)
82.7%
Credit-deposit ratio
₹215L cr
Outstanding credit

Growth data — data table

Download this data:CSVJSON— reviewed by Vikram Jain; every figure links to its official rbi.org.in source. BankPulse never reproduces RBI text verbatim.

The chart above is a visual summary; the tables below carry the same RBI figures so they are readable without JavaScript — for accessibility and AI answer engines.

Category (fortnight ended 31 May 2026)YoY growth
Bank credit17.65%
Deposits12.21%
Services19%
Industry15%
Key figureValue
Bank credit growth (YoY)17.65%
Deposit growth (YoY)12.21%
Credit-deposit ratio82.7%
Outstanding credit₹212.12 lakh cr
Outstanding deposits₹258.64 lakh cr

What it means for bankers

Credit growth (17.65%, a near two-year high) runs well ahead of deposit growth (12.21%), pushing the credit-deposit ratio to ~82%. That keeps competition for deposits intense — expect continued focus on deposit mobilisation, bulk-deposit pricing and CASA. Services credit (~19%, led by NBFCs) and industry (>15%) are accelerating, signalling a broad-based lending upcycle; the credit-deposit gap is ~544 bps.

Related data dashboards

Explore the rest of the BankPulse data hub — every dashboard is built from official RBI data and reviewed by a Chartered Accountant.

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Monetary penalties imposed by RBI on regulated entities.

Key terms in this dataPlain-English definitions of the terms behind this dashboard — see the full Indian banking glossary. Credit-deposit ratio · CASA · SLR · NDTL
Which lenders report this data?

These credit & deposit aggregates cover India’s scheduled commercial banks — the full-service universal banks — which sit alongside the RBI’s other regulated classes: the co-operative bank, the NBFC and the differentiated banks (Payments Bank, Small Finance Bank, Regional Rural Bank, Local Area Bank). See every type defined in plain English in the bank-type glossary family.

Explore the rulesThe RBI rules behind these numbers, simplified for bankers: Deposits / Interest Rates, Personal Loans, Priority Sector Lending.
Master Direction familySee where these rules sit in the RBI rulebook — browse the relevant Master Direction crosswalk families: Financial Inclusion / Priority Sector · Foreign Exchange / FEMA · Government & Bank Accounts.
Related topic clusterThis dashboard supports the Retail & Secured Lending topic cluster — the RBI rules, FAQs and related data for the whole theme.
More live dataExplore BankPulse’s other live RBI dashboards: Net Interest Margin (NIM) · Repo Rate Timeline · RBI Penalty Tracker · Bank Health Scores · NPA / Asset-Quality Tracker.

Bank credit & deposit FAQ

What is India's current bank credit growth?
Bank credit grew 16.0% year-on-year as of the fortnight ended 31 May 2026, while deposits grew 12.3%. Outstanding credit was around Rs.212 lakh crore against deposits of about Rs.259 lakh crore.
What is the credit-deposit ratio and what is it now?
The credit-deposit (CD) ratio is the share of a bank's deposits deployed as loans. For the system it is around 82% as of April 2026. A rising CD ratio signals tighter funding and intensifies competition for deposits.
Why is deposit growth lagging credit growth?
Credit growth (16%) is running ahead of deposit growth (12.3%), so banks are mobilising deposits more aggressively through bulk-deposit pricing and CASA drives to fund the lending upcycle.
Entities trackedBankPulse tracks 61 Indian banks & NBFCs across its penalty and bank-health intelligence — public-sector banks, private banks, small finance banks and NBFCs — each mapped to its Wikidata QID and Wikipedia article for entity disambiguation. Browse the machine-readable Banks & NBFCs JSON feed.
How to read this dashboard
  1. Start with the Quick answer — the latest YoY credit and deposit growth.
  2. Compare the two growth rates: when credit outpaces deposits, the credit-deposit ratio rises.
  3. Watch the credit-deposit ratio for funding pressure (higher = tighter liquidity).
  4. Cross-check the NPA and Bank Health dashboards for asset-quality context.
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Source: RBI fortnightly data on scheduled commercial banks (fortnight ended 31 May 2026), rbi.org.in. under the editorial review of Vikram Jain. Last updated 19 Jun 2026, 09:52 IST.