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Banking Sector – Business momentum as on 27th Dec’24 – Deposit growth in single digits; lowest in 46 fortnights

For the records:
Deposit growth at 46 fortnight low of 9.9%YOY
M3 growth at 9.31%YOY; lowest in 52 fortnights
Credit-deposit ratio of the sector is the highest ever seen in the banking sector, ever
Ex-HDFC ltd; deposit growth is the lowest in 39 fortnights or more
Ex-HDFC Ltd; credit-deposit ratio of the sector is the highest ever

Ex-HDFC ltd numbers:
Deposits at ~Rs219.96 lakh cr, up 10.2%YOY & down 0.02% on fortnight basis (39 or more fortnights low)
Advances at Rs173.04 lakh cr, up 12.45%YOY & 0.95% on fortnight basis
Calculation shows, credit-deposit ratio at 78.7% vs vs 77.92% vs fortnight ago

Business momentum
Week on week
Deposits are down 0.02%
Demand deposits are down 1.3%
Time deposits are up 0.15%
Food credit is up 7.33%
Non-food credit is up 0.6%
Overall credit is up 0.88%

Year to Date
Deposits are up 7.76%
Demand deposits are up 5.17%
Time deposits are up 8.11%
Food credit is up 143.2%
Non-food credit is up 7.8%
Overall credit is up 8%

Year on Year
Deposits are at Rs220.63 lakh cr, up 9.9%
Advances are at Rs177.43 lakh cr, up 11.16%
Food credit is up 30.14%
Non-food credit is up 11.14%

Other highlights
Credit-deposit ratio is at 80.4% vs 79.7% fortnight ago
Deposit to M3 ratio at 83.2% vs 83.2% fortnight ago
M3 growth at 9.31%YOY vs 10.66%YOY fortnight ago