Since FY22, deposits in the banking system have continued to lag behind the system's credit growth, with an average gap of 416 basis points (bps). This has led to the loan-to-deposit ratio (LDR) rising to 80.4% in the first half of the current financial year, from 70.1% in FY21. Ind-Ra believes that the elevated LDR may constrain loan growth for banks in the medium term.
"We see LDR (loan-to-deposit ratio) normalising to around 70% levels in FY27," Karan Gupta, head and director of financial institutions at India Ratings said.
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Trump comeback: Honda to go slow on new EVs
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GCCs focus on skills-based hiring for growth
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