{
 "dashboard": "Credit-Deposit Ratio (CD Ratio)",
 "slug": "credit-deposit-ratio",
 "cd_ratio_pct": 80.21,
 "cd_ratio_date": "31 Oct 2025",
 "record_high_pct": 80.8,
 "record_high_period": "March 2025",
 "jun_2025_pct": 78.9,
 "rbi_comfort_band": "~75-80% (upper edge)",
 "recent_readings": [
  {
   "period": "Mar 2025",
   "cd_ratio_pct": 80.8,
   "note": "~61-year high — credit ran well ahead of deposits"
  },
  {
   "period": "Jun 2025",
   "cd_ratio_pct": 78.9,
   "note": "eased as deposit growth (~10% y/y) caught up"
  },
  {
   "period": "31 Oct 2025",
   "cd_ratio_pct": 80.21,
   "note": "latest web-verified fortnightly print"
  }
 ],
 "source": "RBI Quarterly Statistics on Deposits & Credit of SCBs & WSS, rbi.org.in; CD-ratio web-verified Jun 2026",
 "reviewed_by": "Vikram Jain, Chartered Accountant",
 "updated": "2026-06-20T15:50:01+05:30"
}