The very existence of banks is justified by their ability to mobilise funds, specifically from the general public (depositors), and utilise those funds for their intended purpose: lending to firms and individuals within the economy. Collectively, the lending as a percentage of deposits is referred to as the credit-deposit ratio (CDR). The CDR in the range of 70-80 per cent is generally considered comfortable, though there is no specific number or range mandated by the Reserve Bank of India (RBI).In January ...