The bank’s loan-to-deposit ratio on a period-end basis, stood at 96.6% in June 2026, marginally higher than 96.0% in June 2025.
On a broader measure, the bank’s period-end advances under management, which include loans securitised or assigned off the balance sheet, stood at Rs 31.27 lakh crore as of June 30, 2026, a growth of 12.4% over Rs 27.82 lakh crore a year earlier.
The average advances under management for the quarter, the figure most relevant for net interest income calculations, stood at Rs 30.39 lakh crore, up 10.8% from Rs 27.42 lakh crore in the June 2025 quarter.
The difference in growth rates between gross advances (15.4%) and advances under management (12.4%) suggests the bank has been bringing previously off-balance-sheet loans back onto its books or reducing its securitisation activity, a sign of improving balance sheet confidence.
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Average deposits for the June 2026 quarter stood at Rs 30.11 lakh crore, up 13.3% from Rs 26.58 lakh crore in the year-ago period. Within this, average time deposits grew faster at 14.3% to Rs 20.54 lakh crore from Rs 17.97 lakh crore, while average CASA deposits grew at a more modest 11.2% to Rs 9.57 lakh crore from Rs 8.60 lakh crore, a trend consistent with the broader industry shift toward term deposits as savers chase higher yields.
On a period-end basis, CASA deposits stood at Rs 10.26 lakh crore as of June 30, 2026 up 9.4% year-on-year, while time deposits rose a sharper 17.4% to Rs 21.45 lakh crore from Rs 18.27 lakh crore.
According to RBI data, credit growth is at a two-year high with non-food bank credit growing 17.4% year-on-year as of the fortnight ended May 31, 2026, nearly double the 8.8% recorded in the same period last year. Deposit growth moderated to 12% in the fortnight ended May 31, 2026, from 12.2% in the previous fortnight, pointing to a gradual widening of the credit-deposit gap at the system level.
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