New Delhi [India], November 5 (ANI): The banking sector's credit-to-deposit (CD) ratio has breached the 80 per cent mark in October 2025, indicating stronger credit offtake compared to deposit growth, according to a report by CareEdge Ratings.

The ratio increased to 80.4 per cent in the current fortnight, highlighting that banks are lending out more than 80 per cent of the deposits they hold.

It stated, "The credit-to-deposit (CD) ratio increased to 80.4 per cent in the current fortnight, surpassing the 80 per cent mark".

The rise in the CD ratio reflects a sharper expansion in credit offtake alongside relatively modest growth in deposits.

This shows that banks are seeing strong demand for loans and are actively lending. However, it also implies that less than 20 per cent of deposits a

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