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Date : Feb 28, 2019
RBI releases 'Quarterly Statistics on Deposits and Credit of SCBs: December 2018’

Today, the Reserve Bank released its web publication entitled Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks (SCBs), December 2018 on its Database on Indian Economy (DBIE) portal (web-link:!3). Data on deposits, disaggregated by type and total credit are classified by states, districts, centres, population groups and bank groups, are collected from all SCBs, including regional rural banks (RRBs) and small finance banks (SFBs), under the basic statistical return (BSR) – 7 system.


  • Bank credit growth (y-on-y) remained in double digits across all population groups (rural/ semi-urban / urban / metropolitan).

  • Private sector bank group recorded over 20 per cent credit growth (y-on-y) for the fifth successive quarter; whereas it was recorded at 8.4 per cent for public sector banks.

  • Aggregate deposits growth (y-on-y) continued to accelerate; it increased for all population groups and all bank groups (except for RRBs) in the latest quarter.

  • Private sector banks continued to lead deposit mobilisation; deposit growth for public sector banks remained low, though it has been picking up gradually.

  • Metropolitan bank branches contribute more than half of aggregate deposits (51.3 per cent) and have the largest share of total bank credit (63.9 per cent).

  • The share of current account and savings account (CASA) deposits of SCBs remained stable at 41.3 per cent.

  • Seven states (viz., Maharashtra, National Capital Territory of Delhi, Tamil Nadu, Karnataka, Uttar Pradesh, Gujarat and West Bengal) accounted for about two-thirds of deposits as well as credit.

  • The banking system’s all-India credit-deposit (C-D) ratio improved to 77.6 per cent in December 2018 (76.4 per cent a quarter ago); metropolitan branches had the highest C-D ratio of 96.6 per cent.

Ajit Prasad
Assistant Adviser

Press Release : 2018-2019/2062