Deposits & Funding
§6 — is deposit availability constraining growth? The credit−deposit gap is the central system indicator.
Deposit growth
13.4%
median, listed lenders
CASA
32.7%
median, listed lenders
Credit/deposit
84.3%
median, listed lenders
Cost of borrowing
5.0%
median, listed lenders
Deposit share
1.2%
median, listed lenders
NIM
3.6%
median, listed lenders
Credit growth − deposit growth (pp, median)
Median across the 41 listed lenders, FY17–FY26
Deposit growth vs CASA
Franchise quality: who funds cheaply and still grows
display
| # | Bank | Category | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Fino Payments Bank | Payments Bank | 37.2% | 100.0% | — | 0.0% | — | 0.01% | 142.9% | 3.8% |
| 2 | RBL Bank | Mid/Small Private | 25.3% | 29.2% | 35 | 93.1% | 6.0% | 0.55% | 23.3% | 4.1% |
| 3 | City Union Bank | Mid/Small Private | 23.3% | 26.6% | 49 | 84.3% | 4.8% | 0.31% | 26.5% | 3.8% |
| 4 | Jana Small Fin. Bank | SFB | 22.9% | 19.0% | 43 | — | 7.4% | 0.14% | 24.6% | 7.5% |
| 5 | AU Small Fin. Bank | SFB | 22.8% | 29.0% | 39 | 80.0% | 6.5% | 0.60% | 25.4% | 5.9% |
| 6 | Ujjivan Small Fin | SFB | 21.4% | 28.6% | 92 | 87.2% | 6.9% | 0.18% | 26.7% | 8.5% |
| 7 | DCB Bank | Mid/Small Private | 20.9% | 21.6% | 1 | 80.5% | 6.8% | 0.29% | 17.6% | 3.4% |
| 8 | Capital Small Fin. | SFB | 20.4% | 36.7% | 31 | 83.0% | 5.6% | 0.04% | 20.9% | 4.2% |
| 9 | CSB Bank | Mid/Small Private | 20.0% | 19.4% | 0 | 90.0% | 6.5% | 0.17% | 26.5% | 3.7% |
| 10 | Indian Overseas Bank | PSU | 18.3% | 41.0% | 73 | 85.6% | 4.8% | 1.45% | 24.9% | 3.5% |
| 11 | IDFC First Bank | Mid/Small Private | 16.8% | 50.8% | 84 | 97.9% | 6.0% | 1.16% | 20.3% | 6.0% |
| 12 | Dhanlaxmi Bank | Mid/Small Private | 16.4% | 28.8% | 31 | 81.3% | 5.6% | 0.07% | 24.7% | 3.6% |
| 13 | Tamilnad Mercantile | Mid/Small Private | 14.9% | 26.2% | 0 | 89.0% | 5.7% | 0.24% | 20.8% | 4.3% |
| 14 | South Indian Bank | Mid/Small Private | 14.7% | 33.0% | 90 | 82.1% | 4.5% | 0.49% | 15.8% | 3.2% |
| 15 | Kotak Mahindra Bank | Large Private | 14.6% | 40.3% | 47 | 89.4% | 4.5% | 2.24% | 16.4% | 4.5% |
| 16 | HDFC Bank | Large Private | 14.3% | 32.3% | 0 | 96.5% | 4.4% | 12.23% | 12.0% | 3.3% |
| 17 | Bank of Maharashtra | PSU | 14.1% | 49.0% | 54 | 88.8% | 4.0% | 1.38% | 22.0% | 3.8% |
| 18 | Axis Bank | Large Private | 13.9% | 38.0% | 0 | 92.7% | 5.0% | 5.26% | 18.6% | 3.5% |
| 19 | Bank Of India | PSU | 13.6% | 36.7% | 44 | 83.3% | 4.5% | 3.67% | 17.0% | 2.5% |
| 20 | CentralBank of India | PSU | 13.4% | 46.6% | 58 | 72.4% | 4.7% | 1.85% | 19.3% | 3.1% |
| 21 | Karur Vysya Bank | Mid/Small Private | 13.3% | 27.6% | 21 | 85.4% | 5.5% | 0.46% | 16.9% | 4.3% |
| 22 | Punjab & Sind Bank | PSU | 12.4% | 30.1% | 11 | 81.1% | 5.5% | 0.58% | 19.1% | 2.5% |
| 23 | Indian Bank | PSU | 12.3% | 39.7% | 73 | 81.1% | 4.8% | 3.26% | 14.7% | 3.4% |
| 24 | Yes Bank | Mid/Small Private | 12.1% | 32.7% | 73 | 90.4% | 5.7% | 1.26% | 11.1% | 2.7% |
| 25 | Bank Of Baroda | PSU | 12.0% | 37.7% | 46 | 86.8% | 4.7% | 6.61% | 16.4% | 2.8% |
| 26 | IDBI Bank | ex-PSU | 11.9% | 43.6% | 62 | 79.5% | 4.7% | 1.37% | 16.1% | 3.6% |
| 27 | UCO Bank | PSU | 11.6% | 36.9% | 41 | 82.1% | 4.4% | 1.27% | 18.2% | 3.0% |
| 28 | ICICI Bank | Large Private | 11.5% | 38.1% | 9 | 89.0% | 4.5% | 7.22% | 15.8% | 4.4% |
| 29 | J&K Bank | Mid/Small Private | 11.3% | 42.1% | 39 | 73.9% | 4.7% | 0.65% | 17.7% | 3.3% |
| 30 | State Bank Of India | PSU | 11.1% | 39.2% | 6 | 83.1% | 4.8% | 23.84% | 17.1% | 2.9% |
| 31 | ESAF Small Finance | SFB | 11.1% | 23.4% | 44 | 86.2% | 7.1% | 0.10% | 19.8% | 7.9% |
| 32 | Federal Bank | Mid/Small Private | 10.6% | 32.2% | 64 | 86.7% | 5.3% | 1.24% | 13.2% | 3.3% |
| 33 | Bandhan Bank | Mid/Small Private | 10.0% | 29.4% | 12 | 92.0% | 6.4% | 0.66% | 13.7% | 6.2% |
| 34 | PNB | PSU | 9.4% | 36.7% | 5 | 73.8% | 4.4% | 6.80% | 14.0% | 2.5% |
| 35 | Equitas Small Fin. | SFB | 8.0% | 25.0% | 4 | 91.3% | 7.0% | 0.18% | 18.1% | 7.2% |
| 36 | Canara Bank | PSU | 7.7% | 29.7% | 39 | 80.3% | 4.9% | 6.19% | 16.3% | 2.5% |
| 37 | Karnataka Bank | Mid/Small Private | 3.8% | 32.4% | 90 | 78.5% | 5.2% | 0.43% | 6.9% | 3.2% |
| 38 | Union Bank Of India | PSU | 2.7% | 35.1% | 77 | 83.4% | 4.4% | 5.17% | 10.5% | 2.8% |
| 39 | Utkarsh Small Fin. | SFB | 0.4% | — | — | — | — | 0.09% | -3.5% | — |
| 40 | Indusind Bank | Large Private | -2.7% | 29.4% | 27 | 78.7% | 5.0% | 1.58% | -8.4% | 3.6% |
| 41 | Suryoday Small Fin. | SFB | — | 21.0% | 89 | 91.3% | 7.5% | — | — | 7.2% |
CASA percentile is vs each bank's OWN history (quarterly KPI back to 2008). Deposit share is vs the listed-bank aggregate.