Question
What is the percentage decline in FY2023 in the ratio of
insured deposits to assessable deposits in the banking system, as per the latest Deposit Insurance and Credit Guarantee Corporation (DICGC) data, from 49% in FY2022?Solution
The ratio of insured deposits to assessable deposits in the banking system declined to 46.31 per cent in FY2023 from 49 per cent in FY2022 as customers, lured by attractive deposit rates, placed larger deposits (over and above the Rs 5 lakh deposit insurance cover) with banks, going by latest Deposit Insurance and Credit Guarantee Corporation (DICGC) data.
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