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RBI Bulletin: Credit-Deposit Ratio Exceeding 80% Does Not Indicate Funding Vulnerability
RBI is in focus for FY23.
26 Sept 2026 · NDTV Profit
Growth in bank credit has majorly outpaced that of aggregate deposits, pushing the credit-deposit (CD) ratio above 80% since FY23.
Key facts
- Period
- FY23
The analysis
RBI reported movement of 80% for FY23. Those are the figures as filed — what moves the price is how they sit against what the market already expected, not their absolute size.
Why it matters
- With RBI involved, this carries a regulatory dimension that can outlast the immediate market reaction.