Credit deposit ratio of small finance banks in India FY 2023
In the financial year 2023, Unity Small Finance Bank had the highest credit deposit ratio in the small finance bank segment in India. Whereas, Shivalik Small Finance Bank had the lowest credit deposit ratio in the segment. The credit deposit ratio is utilized for evaluating a bank's liquidity status. A low ratio suggests that the bank isn't generating optimal earnings. Conversely, a high ratio suggests potential liquidity shortages to meet unexpected fund needs..