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India’s credit-deposit (CD) ratio for Banks is approximately 81% (hovering between 81% and 82%). The following banks have high CD ratio HDFC Bank: 95% - 98% IDFC FIRST Bank: 94%- 98% Axis Bank: 90% - 92% Kotak Mahindra Bank: 85% - 87% IndusInd Bank: 86% - 88% (recently moderating toward 81%- 85%) You can check these numbers in the exchange filings done by all the publicly listed banks. You also need to know what range represents what? Healthy Ratio range is 70 to 80 Warning Zone: 80 to 85 Trouble zone 85 to 90 plus The important point to note is that these are all private banks. isn't it funny 🤣 🤣 🤣? These are the CD for Public banks State Bank of India (SBI): 69% – 72% Punjab National Bank (PNB): 73% – 74% Indian Bank: 74% – 76% Canara Bank: 75% – 77% Union Bank of India: 76% – 78% Bank of Baroda: 81% – 84% My personal experience with BOB was that they were also pushing non-banking services more than core banking services in the area I live, and it might be because of which their CD is in the warning zone. Probably that's why the Finance Ministry is taking steps like reducing the commission on insurance sales etc. Instead of focusing on core banking services, these private banks focus on additional side businesses and charge heavily for providing non-banking services. My take on this: Some important measures are expected in 2027 to 2028 by the RBI. The drafts that were published during 2023 to 2024 are expected to be fully implemented during '27 and '28. In a nutshell, it is the private banks which are doing some risky and shady non-banking business and the Finance Ministry is already in action, as is the RBI. I don't post these types of research on X anymore because people there only comment on everything, including LTCG, STCG, and STT, but they don't care about the good things BJP is doing. Please keep these types of checkpoints also in mind while you navigate through the upcoming crisis.