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 Transport

16 Sep 2025

Metro Line 2B Phase 1 to Boost Realty in Mumbai’s Eastern Suburbs

Mumbai’s real estate sector is set for a major boost as Phase 1 of Metro Line 2B, between Mandale and Diamond Garden, nears completion. The Mumbai Metropolitan Region Development Authority (MMRDA) has confirmed that mandatory rectifications are done, and inspections by the Commissioner of Metro Railway Safety (CMRS) have been carried out. The 5.39-km stretch with five stations forms part of the larger DN Nagar–Mandale corridor, designed to ease congestion and improve east–west connectivity. Passenger operations are expected by December 2025, with the full line slated for 2027. ..

WattPower wins Best Inverter award at Global Solar Expo 2025

WattPower, a leading renewable energy solutions provider, has won the award for “Best Inverter in the Utility Segment” at the Global Solar Expo 2025. The recognition underscores the company’s commitment to delivering reliable, high-performance and future-ready solar solutions for large-scale projects. At the forefront of utility-scale solar, WattPower manufactures advanced string inverters that directly feed power into the Indian grid. With robust technology, high-quality components and comprehensive product lifecycle support, its solutions stand among the most sophisticated in the ..

Awfis delivers 67,000 sq. ft. innovation hub for eBay in Bengaluru

Awfis Space Solutions, India’s largest flexible workspace provider and the first publicly listed workspace solutions platform, has partnered with eBay to establish a 67,000 sq. ft. innovation hub at Embassy Tech Village, Bengaluru. The mandate covers design, build and management of the new office, which will act as a strategic hub supporting diverse functions and accelerating eBay’s AI-first commerce strategy. The centre will focus on artificial intelligence, engineering, product development and applied research, strengthening eBay’s growth in India. Embassy Tech Village, North Beng..