{
 "meta": {
  "latestPeriod": "2026-03-01",
  "dossier": "credit-health",
  "source": "Reserve Bank of India (via DBIE)",
  "mock": false,
  "geo": "IND",
  "releaseDate": null,
  "revisionPolicy": "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.",
  "vintage": "2026-10-09",
  "frequency": "annual",
  "base": "RBI select ratios, financial year",
  "unit": "pct",
  "coverage": "How deep banking runs: scheduled commercial banks' deposits, credit and investments as a share of GDP and of deposits, every year since 1950-51",
  "note": "RBI DBIE report 332 (Scheduled Commercial Banks: Ratios), per cent, as published, financial years dated to March. GDP at current market prices on the national accounts base RBI used. The rows excluding the HDFC merger are RBI's own. A 0 printed where the source has no figure is dropped."
 },
 "dates": [
  "1951-03-01",
  "1952-03-01",
  "1953-03-01",
  "1954-03-01",
  "1955-03-01",
  "1956-03-01",
  "1957-03-01",
  "1958-03-01",
  "1959-03-01",
  "1960-03-01",
  "1961-03-01",
  "1962-03-01",
  "1963-03-01",
  "1964-03-01",
  "1965-03-01",
  "1966-03-01",
  "1967-03-01",
  "1968-03-01",
  "1969-03-01",
  "1970-03-01",
  "1971-03-01",
  "1972-03-01",
  "1973-03-01",
  "1974-03-01",
  "1975-03-01",
  "1976-03-01",
  "1977-03-01",
  "1978-03-01",
  "1979-03-01",
  "1980-03-01",
  "1981-03-01",
  "1982-03-01",
  "1983-03-01",
  "1984-03-01",
  "1985-03-01",
  "1986-03-01",
  "1987-03-01",
  "1988-03-01",
  "1989-03-01",
  "1990-03-01",
  "1991-03-01",
  "1992-03-01",
  "1993-03-01",
  "1994-03-01",
  "1995-03-01",
  "1996-03-01",
  "1997-03-01",
  "1998-03-01",
  "1999-03-01",
  "2000-03-01",
  "2001-03-01",
  "2002-03-01",
  "2003-03-01",
  "2004-03-01",
  "2005-03-01",
  "2006-03-01",
  "2007-03-01",
  "2008-03-01",
  "2009-03-01",
  "2010-03-01",
  "2011-03-01",
  "2012-03-01",
  "2013-03-01",
  "2014-03-01",
  "2015-03-01",
  "2016-03-01",
  "2017-03-01",
  "2018-03-01",
  "2019-03-01",
  "2020-03-01",
  "2021-03-01",
  "2022-03-01",
  "2023-03-01",
  "2024-03-01",
  "2025-03-01",
  "2026-03-01"
 ],
 "series": {
  "investments_in_government_securities_to_gdp": {
   "name": "investments_in_government_securities_to_gdp_pct",
   "label": "Investments in Government Securities, as a share of GDP",
   "data": [
    null,
    2.8,
    2.9,
    2.8,
    3.2,
    3.3,
    2.6,
    3.3,
    4.1,
    4.5,
    3.2,
    3.3,
    3,
    2.8,
    2.7,
    2.9,
    2.8,
    2.6,
    2.7,
    2.7,
    2.9,
    3.3,
    4,
    3.6,
    3.6,
    3.9,
    4.3,
    5.7,
    5.9,
    6.1,
    6.3,
    5.9,
    6.3,
    6.1,
    7.5,
    6.8,
    7.9,
    8.5,
    8.4,
    8.7,
    8.8,
    9.6,
    10.1,
    11.7,
    11.6,
    11.1,
    11.5,
    12.2,
    14.1,
    15.4,
    17.1,
    18.7,
    21.6,
    23.9,
    22.8,
    19.4,
    18.4,
    19.5,
    20.7,
    21.4,
    19.3,
    19.86,
    20.15,
    19.68,
    19.97,
    19.05,
    19.68,
    19.41,
    17.88,
    18.6,
    22.47,
    20.04,
    20.73,
    21.07,
    21.06,
    20.1
   ],
   "unit": "pct"
  },
  "investments_in_government_securities_to_deposits": {
   "name": "investments_in_government_securities_to_deposits_pct",
   "label": "Investments in Government Securities, as a share of deposits",
   "data": [
    null,
    34.7,
    36.4,
    37.6,
    36.5,
    34.5,
    29.5,
    30.3,
    37.5,
    37.6,
    32.2,
    31.4,
    29,
    28,
    27.8,
    27.5,
    26.1,
    25.1,
    24.3,
    23.2,
    23.1,
    23.2,
    25,
    23.3,
    23.9,
    23.2,
    22.4,
    26.6,
    24.5,
    23.4,
    24.3,
    23.2,
    23.5,
    22.2,
    25.9,
    22.3,
    24.2,
    25.9,
    25.6,
    25.3,
    26,
    27.2,
    28.3,
    32.1,
    30.4,
    30.5,
    31.4,
    31.2,
    31.3,
    34.2,
    35.3,
    37.3,
    40.9,
    43.5,
    42.3,
    33.2,
    29.7,
    30,
    30.1,
    30.7,
    28.7,
    29.4,
    29.7,
    28.7,
    29.18,
    28.13,
    28.16,
    29.03,
    26.87,
    27.56,
    29.52,
    28.72,
    30.01,
    29.82,
    29.66,
    26.54
   ],
   "unit": "pct"
  },
  "total_investments_to_gdp": {
   "name": "total_investments_to_gdp_pct",
   "label": "Total Investments, as a share of GDP",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    3.4,
    3.8,
    4.4,
    5.3,
    4.9,
    5,
    5.5,
    6.1,
    7.7,
    8.2,
    8.7,
    9.1,
    8.9,
    9.6,
    9.5,
    11.3,
    10.9,
    12.3,
    13,
    12.9,
    13.2,
    13.2,
    13.8,
    14,
    15.3,
    14.7,
    13.8,
    13.8,
    14.3,
    14.1,
    15.4,
    17.1,
    18.7,
    21.6,
    23.9,
    22.8,
    19.4,
    18.4,
    19.5,
    20.7,
    21.4,
    19.3,
    19.89,
    20.17,
    19.7,
    19.99,
    19.06,
    19.69,
    19.42,
    17.89,
    18.64,
    22.48,
    20.04,
    20.73,
    21.07,
    21.06,
    20.1
   ],
   "unit": "pct"
  },
  "total_investments_to_deposits": {
   "name": "total_investments_to_deposits_pct",
   "label": "Total Investments, as a share of deposits",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    29.5,
    30,
    30.8,
    33.5,
    32.4,
    33.1,
    32.5,
    31.5,
    35.6,
    33.7,
    33.5,
    34.7,
    34.6,
    35.7,
    35.1,
    38.9,
    35.8,
    37.6,
    39.4,
    39,
    38.6,
    39,
    39.1,
    39.3,
    42.1,
    38.6,
    38,
    37.7,
    36.5,
    35.7,
    38,
    38.5,
    39.7,
    42.7,
    45,
    43.5,
    34,
    30.3,
    30.4,
    30.4,
    30.8,
    28.8,
    29.4,
    29.7,
    28.7,
    29.2,
    28.15,
    28.17,
    29.04,
    26.89,
    27.62,
    29.53,
    28.72,
    30.01,
    29.82,
    29.66,
    26.54
   ],
   "unit": "pct"
  },
  "aggregate_deposits_to_gdp": {
   "name": "aggregate_deposits_to_gdp_pct",
   "label": "Aggregate Deposits, as a share of GDP",
   "data": [
    8.7,
    7.9,
    7.9,
    7.4,
    8.7,
    9.5,
    8.9,
    10.7,
    10.8,
    12,
    10,
    10.4,
    10.3,
    10,
    9.7,
    10.5,
    10.8,
    10.4,
    11,
    11.6,
    12.8,
    14.3,
    15.8,
    15.3,
    15.1,
    16.8,
    19.4,
    21.6,
    24.3,
    26,
    26.1,
    25.6,
    26.9,
    27.2,
    29,
    30.4,
    32.6,
    33,
    33,
    34.2,
    33.8,
    35.2,
    35.7,
    36.4,
    38.1,
    36.4,
    36.7,
    39.2,
    39.6,
    40.4,
    44.4,
    47,
    50.6,
    53,
    52.4,
    57.1,
    60.8,
    64.1,
    68.1,
    69.4,
    66.9,
    67.64,
    67.88,
    68.59,
    68.44,
    67.73,
    69.89,
    66.86,
    66.53,
    67.49,
    76.12,
    69.78,
    69.09,
    70.64,
    70.99,
    75.73
   ],
   "unit": "pct"
  },
  "credit_to_gdp": {
   "name": "credit_to_gdp_pct",
   "label": "Credit, as a share of GDP",
   "data": [
    5.4,
    4.9,
    5,
    4.7,
    5.8,
    6.9,
    6.8,
    7.1,
    6.7,
    7.1,
    7.7,
    7.6,
    8,
    8,
    7.7,
    8.2,
    8.5,
    8.2,
    8.6,
    9.2,
    10.1,
    10.6,
    11.2,
    11.1,
    11.2,
    12.9,
    14.5,
    14.5,
    16.4,
    17.6,
    17.5,
    17.4,
    18.6,
    18.6,
    19.6,
    19.9,
    20.1,
    19.7,
    20,
    20.8,
    20.4,
    19.2,
    20.2,
    19,
    20.8,
    21.3,
    20.2,
    21.2,
    20.5,
    21.7,
    23.6,
    25.1,
    28.8,
    29.6,
    33.9,
    40.8,
    45,
    47.4,
    49.3,
    50.1,
    50.6,
    52.79,
    52.9,
    53.36,
    52.43,
    52.64,
    50.95,
    50.47,
    51.7,
    51.59,
    55.15,
    50.39,
    52.36,
    56.69,
    57.36,
    61.67
   ],
   "color": "#2E4BD8",
   "unit": "pct"
  },
  "credit_to_deposits": {
   "name": "credit_to_deposits_pct",
   "label": "Credit, as a share of deposits",
   "data": [
    62,
    61.3,
    63.6,
    63.4,
    66.1,
    73,
    76.6,
    66.3,
    62,
    59.3,
    77,
    73.4,
    77.8,
    79.5,
    78.8,
    77.5,
    78.6,
    78.6,
    78.3,
    79,
    79.3,
    74.1,
    70.8,
    73,
    74.1,
    76.8,
    75,
    67.3,
    67.7,
    67.8,
    66.8,
    67.9,
    69.1,
    68.1,
    67.8,
    65.6,
    61.6,
    59.8,
    60.4,
    60.8,
    60.4,
    54.4,
    56.6,
    52.2,
    54.7,
    58.6,
    55.1,
    54.1,
    51.7,
    53.6,
    53.1,
    53.4,
    56.9,
    55.9,
    64.7,
    71.5,
    73.9,
    73.9,
    72.4,
    72.2,
    75.7,
    78,
    77.9,
    77.8,
    76.6,
    77.72,
    72.89,
    75.49,
    77.72,
    76.44,
    72.45,
    72.22,
    75.79,
    80.25,
    80.79,
    81.44
   ],
   "unit": "pct"
  },
  "credit_excluding_merger_to_gdp": {
   "name": "credit_excluding_merger_to_gdp_pct",
   "label": "Credit (excluding the HDFC merger), as a share of GDP",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    7.7,
    8.2,
    8.5,
    8.2,
    8.6,
    9.2,
    10.1,
    10.6,
    11.2,
    11.1,
    11.2,
    12.9,
    14.5,
    14.5,
    16.4,
    17.6,
    17.5,
    17.4,
    18.6,
    18.6,
    19.6,
    19.9,
    20.1,
    19.7,
    20,
    20.8,
    20.4,
    19.2,
    20.2,
    19,
    20.8,
    21.3,
    20.2,
    21.2,
    20.5,
    21.7,
    23.6,
    25.1,
    28.8,
    29.6,
    33.9,
    40.8,
    45,
    47.4,
    49.3,
    50.1,
    50.6,
    52.79,
    52.9,
    53.36,
    52.43,
    52.64,
    50.95,
    50.47,
    51.7,
    51.59,
    55.15,
    50.39,
    50.74,
    54.86,
    56.03,
    null
   ],
   "unit": "pct"
  },
  "credit_excluding_merger_to_deposits": {
   "name": "credit_excluding_merger_to_deposits_pct",
   "label": "Credit (excluding the HDFC merger), as a share of deposits",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    78.8,
    77.5,
    78.6,
    78.6,
    78.3,
    79,
    79.3,
    74.1,
    70.8,
    73,
    74.1,
    76.8,
    75,
    67.3,
    67.7,
    67.8,
    66.8,
    67.9,
    69.1,
    68.1,
    67.8,
    65.6,
    61.6,
    59.8,
    60.4,
    60.8,
    60.4,
    54.4,
    56.6,
    52.2,
    54.7,
    58.6,
    55.1,
    54.1,
    51.7,
    53.6,
    53.1,
    53.4,
    56.9,
    55.9,
    64.7,
    71.5,
    73.9,
    73.9,
    72.4,
    72.2,
    75.7,
    78,
    77.9,
    77.8,
    76.6,
    77.72,
    72.89,
    75.49,
    77.72,
    76.44,
    72.45,
    72.22,
    75.79,
    78.07,
    79.14,
    null
   ],
   "unit": "pct"
  },
  "total_investments_excluding_merger_to_gdp": {
   "name": "total_investments_excluding_merger_to_gdp_pct",
   "label": "Total Investments (excluding the HDFC merger), as a share of GDP",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    3.4,
    3.8,
    4.4,
    5.3,
    4.9,
    5,
    5.5,
    6.1,
    7.7,
    8.2,
    8.7,
    9.1,
    8.9,
    9.6,
    9.5,
    11.3,
    10.9,
    12.3,
    13,
    12.9,
    13.2,
    13.2,
    13.8,
    14,
    15.3,
    14.7,
    13.8,
    13.8,
    14.3,
    14.1,
    15.4,
    17.1,
    18.7,
    21.6,
    23.9,
    22.8,
    19.4,
    18.4,
    19.5,
    20.7,
    21.4,
    19.3,
    19.89,
    20.17,
    19.7,
    19.99,
    19.06,
    19.69,
    19.42,
    17.89,
    18.64,
    22.48,
    20.04,
    20.09,
    20.75,
    20.91,
    null
   ],
   "unit": "pct"
  },
  "total_investments_excluding_merger_to_deposits": {
   "name": "total_investments_excluding_merger_to_deposits_pct",
   "label": "Total Investments (excluding the HDFC merger), as a share of deposits",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    29.5,
    30,
    30.8,
    33.5,
    32.4,
    33.1,
    32.5,
    31.5,
    35.6,
    33.7,
    33.5,
    34.7,
    34.6,
    35.7,
    35.1,
    38.9,
    35.8,
    37.6,
    39.4,
    39,
    38.6,
    39,
    39.1,
    39.3,
    42.1,
    38.6,
    38,
    37.7,
    36.5,
    35.7,
    38,
    38.5,
    39.7,
    42.7,
    45,
    43.5,
    34,
    30.3,
    30.4,
    30.4,
    30.8,
    28.8,
    29.4,
    29.7,
    28.7,
    29.2,
    28.15,
    28.17,
    29.04,
    26.89,
    27.62,
    29.53,
    28.72,
    30.01,
    29.53,
    29.53,
    null
   ],
   "unit": "pct"
  },
  "aggregate_deposits_excluding_merger_to_gdp": {
   "name": "aggregate_deposits_excluding_merger_to_gdp_pct",
   "label": "Aggregate Deposits (excluding the HDFC merger), as a share of GDP",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    9.7,
    10.5,
    10.8,
    10.4,
    11,
    11.6,
    12.8,
    14.3,
    15.8,
    15.3,
    15.1,
    16.8,
    19.4,
    21.6,
    24.3,
    26,
    26.1,
    25.6,
    26.9,
    27.2,
    29,
    30.4,
    32.6,
    33,
    33,
    34.2,
    33.8,
    35.2,
    35.7,
    36.4,
    38.1,
    36.4,
    36.7,
    39.2,
    39.6,
    40.4,
    44.4,
    47,
    50.6,
    53,
    52.4,
    57.1,
    60.8,
    64.1,
    68.1,
    69.4,
    66.9,
    67.64,
    67.88,
    68.59,
    68.44,
    67.73,
    69.89,
    66.86,
    66.53,
    67.49,
    76.12,
    69.78,
    66.95,
    70.27,
    70.8,
    null
   ],
   "unit": "pct"
  }
 }
}