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

07 Apr 2026

Tunnelling Begins for Thane, Borivali twin tunnel project

Tunnelling work has commenced for the 11.84-km Thane–Borivali Twin Tunnel, set to be India’s longest urban road tunnel, marking a key milestone in Mumbai’s infrastructure development.As per a post shared by Mumbai Metropolitan Region Development Authority on social media platform X, the tunnel boring machine (TBM) ‘Nayak’—the country’s largest single-shield hard rock TBM for an urban tunnel—was launched by Devendra Fadnavis on Tuesday. The event was attended by Eknath Shinde and Sunetra Pawar, among other dignitaries. A second TBM, ‘Arjuna’, is expected to be launched so..

Large Format Store Planned At M G Road Metro Station

M G Road station in Bengaluru is set to host the city’s first large-format commercial and experience space, with planning led by Bangalore Metro Rail Corporation Limited. BMRCL has invited proposals to develop and operate a central business district destination at the Purple?Pink Line interchange. The plan positions the station as a commercial hub designed to serve a broad commuter base across the city. The proposal is part of a broader effort to activate transit nodes commercially. Tender documents set a minimum monthly rental of Rs 0.944 million (mn), inclusive of GST, for the large-format..

Government Cancels Auction Of Eleven Critical Mineral Blocks

The government has cancelled the auction of 11 critical and strategic mineral blocks after receiving a poor investor response and failing to attract a sufficient number of qualified bidders. The decision represents a setback to plans to ramp up domestic exploration and production of critical minerals amid global supply chain disruptions and rising demand for materials used in clean energy and advanced technologies. The mines ministry issued an annulment notice setting out the reasons for the cancellations. The annulment notice indicated that the auction process for five mineral blocks was canc..