Reserve Bank of India (RBI) data shows banking system CASA ratio drops to 37.9% in December 2025 quarter.

Key facts

• Reserve Bank of India (RBI) data placed the banking system’s CASA ratio at a two-year low of 37.9% in December 2025 quarter against 40.1% in December 2023 quarter.
• Savings account share within total deposits fell 210 basis points to 28.9%.
• Aggregate bank deposits rose 10% year-on-year to ₹239.8 lakh crore by December 2025, slower than the 11% growth in the year-earlier quarter.
• Savings account balances grew 8% year-on-year to ₹69.4 lakh crore in December 2025 quarter, up from 5% growth a year earlier.
• Current account deposits expanded 10% to ₹21.4 lakh crore in December 2025 quarter versus 9% growth in December 2024 quarter.
• Certificates of deposit issuances by banks hit a record ₹15.5 lakh crore in FY26, marking a 17% year-on-year increase.
• Credit-deposit ratio touched an all-time high of 83.0% driven by seasonal tax-related deposit outflows.
• Total bank credit stood at ₹207.7 lakh crore as of 15 March 2026, recording 13.5% year-on-year growth compared with 11.1% a year earlier.
• Aggregate bank deposits reached ₹250.1 lakh crore, rising 10.8% year-on-year, up from 10.2% growth in the previous year.