HDFC Bank to Increase Loan Book at Slower Pace than Deposits

22 Jul 2024 CW Team

HDFC Bank has announced plans to expand its loan book at a slower rate compared to its deposit growth, aiming to reduce its credit-deposit (CD) ratio. The bank?s decision is part of its strategy to manage liquidity and ensure a more balanced growth trajectory amid fluctuating market conditions.

In recent times, HDFC Bank has witnessed a significant increase in its deposit base, driven by robust customer inflows and a growing preference for safe investments. To address the disparity between deposit and loan growth, the bank will focus on a more conservative approach to lending.

The move comes as part of HDFC Bank's broader strategy to enhance its financial stability and maintain a strong liquidity position. By slowing down the pace of loan disbursement, the bank aims to better align its credit growth with deposit inflows and improve its overall financial health.

The bank?s CD ratio has been a focal point for investors and analysts, as it reflects the proportion of deposits that are utilised for lending. A higher CD ratio indicates a greater use of deposits for loans, which can impact liquidity. By reducing this ratio, HDFC Bank seeks to strike a balance between growth and stability.

Overall, HDFC Bank?s approach highlights its commitment to prudent financial management and strategic planning, ensuring that it remains well-positioned to navigate market challenges and sustain long-term growth.

Infrastructure Urban

02 Jun 2026

VECV Sales Rise 7.8 Per Cent In May 2026

VE Commercial Vehicles recorded sales of 7,978 units in May 2026, compared to 7,401 units in May 2025, registering growth of 7.8 per cent. This included 7,789 units from the Eicher brand and 189 units from the Volvo brand.Eicher branded trucks and buses reported sales of 7,789 units during the month, up 7.3 per cent from 7,258 units a year earlier. In the domestic commercial vehicle market, Eicher sales rose 9.1 per cent to 7,375 units from 6,758 units in May 2025.Exports declined 17.2 per cent to 414 units from 500 units in the corresponding month last year. Volvo Trucks and Volvo Buses recor..

Table Space Strengthens DESYN Leadership Team

Table Space has announced strategic leadership appointments within DESYN, its integrated Design and Build business, as it looks to strengthen operations across key enterprise and GCC markets in India. DESYN was launched as a strategic extension of Table Space’s workspace solutions portfolio to meet rising demand for agile, high-quality and rapidly deployable enterprise workspaces.Shruti Ookabhoy has joined DESYN as Executive Director and will lead the Design vertical, focusing on design capability, operational excellence and team development across markets. She brings over 22 years of experi..

Concord Associate Bags Rs 2.79 Bn Kavach Order

Concord Control Systems said its associate company, Progota India, has received a Rs 2.79 bn domestic order from Indian Railways for the supply, installation, testing and commissioning of on-board Kavach 4.0 loco equipment.The order is scheduled for execution within 12 months and strengthens Concord’s role in India’s railway safety and signalling ecosystem. Kavach is India’s indigenous automatic train protection system, designed to improve operational safety by helping prevent signal passing at danger and reducing collision risks.Gaurav Lath, Joint Managing Director, Concord Control Syst..