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Data / Bank credit and money / credit-deep-bank-group-ratios 245 series, 2005 to 2025Vintage 10 October 2026
Data file: Bank credit and money

Select financial ratios of scheduled commercial banks by bank group, each year

245 series, annual, 2005 to 2025. Published by Reserve Bank of India (via DBIE).

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01

What the file holds

Select financial ratios of scheduled commercial banks by bank group, each year.

RBI DBIE report 1056 (data provider DP1), read from the local Data Bank mirror, as published. Final figures where published, else provisional. Business and profit per employee are left out: the table switches their unit from year to year (all banks' business per employee 173,638 in 2014, 20,187 in 2015, 1,413,244 in 2020) and prints no unit.

Revisions: Section 42 figures are provisional, then final; sectoral credit is provisional and revised the next month; NPAs and capital ratios are final on release. Seams disclosed, never joined: the 2019 sectoral classification, the July 2023 HDFC merger, the December 2025 reporting calendar.

Missing values are left empty, never zero. Every series with its latest value and trend, in the guide to bank credit and money.

02

The series

SeriesPublished valuesValues
All SCBS, (Credit + Investment) - Deposit Ratio2005 to 202521
All SCBS, Capital adequacy ratio2005 to 202218
All SCBS, Cash - Deposit Ratio2005 to 202521
All SCBS, Cost of borrowings2005 to 202521
All SCBS, Cost of deposits2005 to 202521
All SCBS, Cost of funds2005 to 202521
All SCBS, Credit - Deposit Ratio2005 to 202521
All SCBS, Investment - Deposit Ratio2005 to 202521
All SCBS, Ratio of burden to interest income2005 to 202521
All SCBS, Ratio of burden to total assets2005 to 202521
All SCBS, Ratio of demand and savings bank deposits to total deposits2005 to 202521
All SCBS, Ratio of deposits to total liabilities2005 to 202521
All SCBS, Ratio of interest income to total assets2005 to 202521
All SCBS, Ratio of intermediation cost to total assets2005 to 202521
All SCBS, Ratio of investments in non-approved securities to total investments2005 to 202521
All SCBS, Ratio of net interest income to total assets (Net Interest Margin)2005 to 202521
All SCBS, Ratio of net NPA To net advances2005 to 202218
All SCBS, Ratio of non-interest income to total assets2005 to 202521
All SCBS, Ratio of operating profits to total assets2005 to 202521
All SCBS, Ratio of priority sector advances to total advances2005 to 202521
All SCBS, Ratio of secured advances to total advances2005 to 202521
All SCBS, Ratio of term loans to total advances2005 to 202521
All SCBS, Ratio of wage bills to intermediation cost2005 to 202521
All SCBS, Ratio of wage bills to total expense2005 to 202521
All SCBS, Ratio of wage bills to total income2005 to 202521
All SCBS, Return on advances2005 to 202521
All SCBS, Return on advances adjusted to cost of funds2005 to 202521
All SCBS, Return on assets2005 to 202521
All SCBS, Return on equity2005 to 202521
All SCBS, Return on investments2005 to 202521
All SCBS, Return on investments adjusted to cost of funds2005 to 202521
Foreign banks, (Credit + Investment) - Deposit Ratio2005 to 202521
Foreign banks, Capital adequacy ratio2005 to 202218
Foreign banks, Cash - Deposit Ratio2005 to 202521
Foreign banks, Cost of borrowings2005 to 202521
Foreign banks, Cost of deposits2005 to 202521
Foreign banks, Cost of funds2005 to 202521
Foreign banks, Credit - Deposit Ratio2005 to 202521
Foreign banks, Investment - Deposit Ratio2005 to 202521
Foreign banks, Ratio of burden to interest income2005 to 202521
Foreign banks, Ratio of burden to total assets2005 to 202521
Foreign banks, Ratio of demand and savings bank deposits to total deposits2005 to 202521
Foreign banks, Ratio of deposits to total liabilities2005 to 202521
Foreign banks, Ratio of interest income to total assets2005 to 202521
Foreign banks, Ratio of intermediation cost to total assets2005 to 202521
Foreign banks, Ratio of investments in non-approved securities to total investments2005 to 202521
Foreign banks, Ratio of net interest income to total assets (Net Interest Margin)2005 to 202521
Foreign banks, Ratio of net NPA To net advances2005 to 202217
Foreign banks, Ratio of non-interest income to total assets2005 to 202521
Foreign banks, Ratio of operating profits to total assets2005 to 202521
Foreign banks, Ratio of priority sector advances to total advances2005 to 202521
Foreign banks, Ratio of secured advances to total advances2005 to 202521
Foreign banks, Ratio of term loans to total advances2005 to 202521
Foreign banks, Ratio of wage bills to intermediation cost2005 to 202521
Foreign banks, Ratio of wage bills to total expense2005 to 202521
Foreign banks, Ratio of wage bills to total income2005 to 202521
Foreign banks, Return on advances2005 to 202521
Foreign banks, Return on advances adjusted to cost of funds2005 to 202521
Foreign banks, Return on assets2005 to 202521
Foreign banks, Return on equity2005 to 202521
Foreign banks, Return on investments2005 to 202521
Foreign banks, Return on investments adjusted to cost of funds2005 to 202521
Nationalised banks, (Credit + Investment) - Deposit Ratio2005 to 201713
Nationalised banks, Capital adequacy ratio2005 to 201713
Nationalised banks, Cash - Deposit Ratio2005 to 201713
Nationalised banks, Cost of borrowings2005 to 201713
Nationalised banks, Cost of deposits2005 to 201713
Nationalised banks, Cost of funds2005 to 201713
Nationalised banks, Credit - Deposit Ratio2005 to 201713
Nationalised banks, Investment - Deposit Ratio2005 to 201713
Nationalised banks, Ratio of burden to interest income2005 to 201713
Nationalised banks, Ratio of burden to total assets2005 to 201713
Nationalised banks, Ratio of demand and savings bank deposits to total deposits2005 to 201713
Nationalised banks, Ratio of deposits to total liabilities2005 to 201713
Nationalised banks, Ratio of interest income to total assets2005 to 201713
Nationalised banks, Ratio of intermediation cost to total assets2005 to 201713
Nationalised banks, Ratio of investments in non-approved securities to total investments2005 to 201713
Nationalised banks, Ratio of net interest income to total assets (Net Interest Margin)2005 to 201713
Nationalised banks, Ratio of net NPA To net advances2005 to 201713
Nationalised banks, Ratio of non-interest income to total assets2005 to 201713
Nationalised banks, Ratio of operating profits to total assets2005 to 201713
Nationalised banks, Ratio of priority sector advances to total advances2005 to 201713
Nationalised banks, Ratio of secured advances to total advances2005 to 201713
Nationalised banks, Ratio of term loans to total advances2005 to 201713
Nationalised banks, Ratio of wage bills to intermediation cost2005 to 201713
Nationalised banks, Ratio of wage bills to total expense2005 to 201713
Nationalised banks, Ratio of wage bills to total income2005 to 201713
Nationalised banks, Return on advances2005 to 201713
Nationalised banks, Return on advances adjusted to cost of funds2005 to 201713
Nationalised banks, Return on assets2005 to 201713
Nationalised banks, Return on equity2005 to 201713
Nationalised banks, Return on investments2005 to 201713
Nationalised banks, Return on investments adjusted to cost of funds2005 to 201713
Payments banks, (Credit + Investment) - Deposit Ratio2020 to 20256
Payments banks, Capital adequacy ratio2020 to 20223
Payments banks, Cash - Deposit Ratio2020 to 20256
Payments banks, Cost of borrowings2021 to 20255
Payments banks, Cost of deposits2020 to 20256
Payments banks, Cost of funds2020 to 20256
Payments banks, Credit - Deposit Ratio2021 to 20255
Payments banks, Investment - Deposit Ratio2020 to 20256
Payments banks, Ratio of burden to interest income2020 to 20256
Payments banks, Ratio of burden to total assets2020 to 20256
Payments banks, Ratio of demand and savings bank deposits to total deposits2020 to 20256
Payments banks, Ratio of deposits to total liabilities2020 to 20256
Payments banks, Ratio of interest income to total assets2020 to 20256
Payments banks, Ratio of intermediation cost to total assets2020 to 20256
Payments banks, Ratio of investments in non-approved securities to total investments2021 to 20255
Payments banks, Ratio of net interest income to total assets (Net Interest Margin)2020 to 20256
Payments banks, Ratio of non-interest income to total assets2020 to 20256
Payments banks, Ratio of operating profits to total assets2020 to 20256
Payments banks, Ratio of term loans to total advances2021 to 20255
Payments banks, Ratio of wage bills to intermediation cost2020 to 20256
Payments banks, Ratio of wage bills to total expense2020 to 20256
Payments banks, Ratio of wage bills to total income2020 to 20256
Payments banks, Return on advances2021 to 20255
Payments banks, Return on advances adjusted to cost of funds2021 to 20255
Payments banks, Return on assets2020 to 20256
Payments banks, Return on equity2020 to 20256
Payments banks, Return on investments2020 to 20256
Payments banks, Return on investments adjusted to cost of funds2020 to 20256
Private sector banks, (Credit + Investment) - Deposit Ratio2005 to 202521
Private sector banks, Capital adequacy ratio2005 to 202218
Private sector banks, Cash - Deposit Ratio2005 to 202521
Private sector banks, Cost of borrowings2005 to 202521
Private sector banks, Cost of deposits2005 to 202521
Private sector banks, Cost of funds2005 to 202521
Private sector banks, Credit - Deposit Ratio2005 to 202521
Private sector banks, Investment - Deposit Ratio2005 to 202521
Private sector banks, Ratio of burden to interest income2005 to 202521
Private sector banks, Ratio of burden to total assets2005 to 202521
Private sector banks, Ratio of demand and savings bank deposits to total deposits2005 to 202521
Private sector banks, Ratio of deposits to total liabilities2005 to 202521
Private sector banks, Ratio of interest income to total assets2005 to 202521
Private sector banks, Ratio of intermediation cost to total assets2005 to 202521
Private sector banks, Ratio of investments in non-approved securities to total investments2005 to 202521
Private sector banks, Ratio of net interest income to total assets (Net Interest Margin)2005 to 202521
Private sector banks, Ratio of net NPA To net advances2005 to 202218
Private sector banks, Ratio of non-interest income to total assets2005 to 202521
Private sector banks, Ratio of operating profits to total assets2005 to 202521
Private sector banks, Ratio of priority sector advances to total advances2005 to 202521
Private sector banks, Ratio of secured advances to total advances2005 to 202521
Private sector banks, Ratio of term loans to total advances2005 to 202521
Private sector banks, Ratio of wage bills to intermediation cost2005 to 202521
Private sector banks, Ratio of wage bills to total expense2005 to 202521
Private sector banks, Ratio of wage bills to total income2005 to 202521
Private sector banks, Return on advances2005 to 202521
Private sector banks, Return on advances adjusted to cost of funds2005 to 202521
Private sector banks, Return on assets2005 to 202521
Private sector banks, Return on equity2005 to 202521
Private sector banks, Return on investments2005 to 202521
Private sector banks, Return on investments adjusted to cost of funds2005 to 202521
Public sector banks, (Credit + Investment) - Deposit Ratio2005 to 202521
Public sector banks, Capital adequacy ratio2005 to 202217
Public sector banks, Cash - Deposit Ratio2005 to 202521
Public sector banks, Cost of borrowings2005 to 202521
Public sector banks, Cost of deposits2005 to 202521
Public sector banks, Cost of funds2005 to 202521
Public sector banks, Credit - Deposit Ratio2005 to 202521
Public sector banks, Investment - Deposit Ratio2005 to 202521
Public sector banks, Ratio of burden to interest income2005 to 202521
Public sector banks, Ratio of burden to total assets2005 to 202521
Public sector banks, Ratio of demand and savings bank deposits to total deposits2005 to 202521
Public sector banks, Ratio of deposits to total liabilities2005 to 202521
Public sector banks, Ratio of interest income to total assets2005 to 202521
Public sector banks, Ratio of intermediation cost to total assets2005 to 202521
Public sector banks, Ratio of investments in non-approved securities to total investments2005 to 202521
Public sector banks, Ratio of net interest income to total assets (Net Interest Margin)2005 to 202521
Public sector banks, Ratio of net NPA To net advances2005 to 202217
Public sector banks, Ratio of non-interest income to total assets2005 to 202521
Public sector banks, Ratio of operating profits to total assets2005 to 202521
Public sector banks, Ratio of priority sector advances to total advances2005 to 202521
Public sector banks, Ratio of secured advances to total advances2005 to 202521
Public sector banks, Ratio of term loans to total advances2005 to 202521
Public sector banks, Ratio of wage bills to intermediation cost2005 to 202521
Public sector banks, Ratio of wage bills to total expense2005 to 202521
Public sector banks, Ratio of wage bills to total income2005 to 202521
Public sector banks, Return on advances2005 to 202521
Public sector banks, Return on advances adjusted to cost of funds2005 to 202521
Public sector banks, Return on assets2005 to 202521
Public sector banks, Return on equity2005 to 202521
Public sector banks, Return on investments2005 to 202521
Public sector banks, Return on investments adjusted to cost of funds2005 to 202521
Small finance banks, (Credit + Investment) - Deposit Ratio2017 to 20259
Small finance banks, Capital adequacy ratio2017 to 20226
Small finance banks, Cash - Deposit Ratio2017 to 20259
Small finance banks, Cost of borrowings2017 to 20259
Small finance banks, Cost of deposits2017 to 20259
Small finance banks, Cost of funds2017 to 20259
Small finance banks, Credit - Deposit Ratio2017 to 20259
Small finance banks, Investment - Deposit Ratio2017 to 20259
Small finance banks, Ratio of burden to interest income2017 to 20259
Small finance banks, Ratio of burden to total assets2017 to 20259
Small finance banks, Ratio of demand and savings bank deposits to total deposits2017 to 20259
Small finance banks, Ratio of deposits to total liabilities2017 to 20259
Small finance banks, Ratio of interest income to total assets2017 to 20259
Small finance banks, Ratio of intermediation cost to total assets2017 to 20259
Small finance banks, Ratio of investments in non-approved securities to total investments2017 to 20259
Small finance banks, Ratio of net interest income to total assets (Net Interest Margin)2017 to 20259
Small finance banks, Ratio of net NPA To net advances2017 to 20226
Small finance banks, Ratio of non-interest income to total assets2017 to 20259
Small finance banks, Ratio of operating profits to total assets2017 to 20259
Small finance banks, Ratio of priority sector advances to total advances2017 to 20259
Small finance banks, Ratio of secured advances to total advances2017 to 20259
Small finance banks, Ratio of term loans to total advances2017 to 20259
Small finance banks, Ratio of wage bills to intermediation cost2017 to 20259
Small finance banks, Ratio of wage bills to total expense2017 to 20259
Small finance banks, Ratio of wage bills to total income2017 to 20259
Small finance banks, Return on advances2017 to 20259
Small finance banks, Return on advances adjusted to cost of funds2017 to 20259
Small finance banks, Return on assets2017 to 20259
Small finance banks, Return on equity2017 to 20259
Small finance banks, Return on investments2017 to 20259
Small finance banks, Return on investments adjusted to cost of funds2017 to 20259
State bank of India and its associates, (Credit + Investment) - Deposit Ratio2005 to 201713
State bank of India and its associates, Capital adequacy ratio2005 to 201713
State bank of India and its associates, Cash - Deposit Ratio2005 to 201713
State bank of India and its associates, Cost of borrowings2005 to 201713
State bank of India and its associates, Cost of deposits2005 to 201713
State bank of India and its associates, Cost of funds2005 to 201713
State bank of India and its associates, Credit - Deposit Ratio2005 to 201713
State bank of India and its associates, Investment - Deposit Ratio2005 to 201713
State bank of India and its associates, Ratio of burden to interest income2005 to 201713
State bank of India and its associates, Ratio of burden to total assets2005 to 201713
State bank of India and its associates, Ratio of demand and savings bank deposits to total deposits2005 to 201713
State bank of India and its associates, Ratio of deposits to total liabilities2005 to 201713
State bank of India and its associates, Ratio of interest income to total assets2005 to 201713
State bank of India and its associates, Ratio of intermediation cost to total assets2005 to 201713
State bank of India and its associates, Ratio of investments in non-approved securities to total investments2005 to 201713
State bank of India and its associates, Ratio of net interest income to total assets (Net Interest Margin)2005 to 201713
State bank of India and its associates, Ratio of net NPA To net advances2005 to 201713
State bank of India and its associates, Ratio of non-interest income to total assets2005 to 201713
State bank of India and its associates, Ratio of operating profits to total assets2005 to 201713
State bank of India and its associates, Ratio of priority sector advances to total advances2005 to 201713
State bank of India and its associates, Ratio of secured advances to total advances2005 to 201713
State bank of India and its associates, Ratio of term loans to total advances2005 to 201713
State bank of India and its associates, Ratio of wage bills to intermediation cost2005 to 201713
State bank of India and its associates, Ratio of wage bills to total expense2005 to 201713
State bank of India and its associates, Ratio of wage bills to total income2005 to 201713
State bank of India and its associates, Return on advances2005 to 201713
State bank of India and its associates, Return on advances adjusted to cost of funds2005 to 201713
State bank of India and its associates, Return on assets2005 to 201713
State bank of India and its associates, Return on equity2005 to 201713
State bank of India and its associates, Return on investments2005 to 201713
State bank of India and its associates, Return on investments adjusted to cost of funds2005 to 201713
03

Cite this data

Reserve Bank of India (via DBIE), compiled by Measure of India, “Select financial ratios of scheduled commercial banks by bank group, each year”, vintage 10 October 2026. measure.thisindianlife.today/data/credit-deep-bank-group-ratios/

The figures keep the terms of the agency that publishes them. Our compilation and layout are under CC BY 4.0.