C-D ratio of All Scheduled Commercial Banks in metropolitan centres was the highest (87per cent), followed distantly by rural centres (57 per cent) and urban centres (56 per cent). The semi-urban centres recorded the lowest CD ratio at 50 per cent. As of Mar 09, the credit-deposit (C-D) ratio of All Scheduled Commercial Banks stood at 73 per cent.
During the FY 2009, the growth of deposits and advances in metro areas was the same rate at about 20%. In rural areas growth rate of deposits growth was 21%. Advances grew by only 14%. In semi-urban areas while deposits grew by 24%, and advances growth rate was only 16% and in urban areas while deposits grew by 25%, advances grew by only 20%.
Percentage of credit given out of deposits collected from rural and semi-Urban areas continues to be less than the percentage of credit deployed in metro areas, indicating continued diversion of deposits from rural and semi-urban areas for giving credit in Metro areas.  As of Mar 09, rural deposits were Rs 3.65 lakh crore where as credit extended was only Rs 2.09 lakh crore .

If the same Metro C/D ratio of 87% C/D ratio were maintained in rural branches, the rural advances would have been Rs 3.18 lakh crore instead of Rs 2,09 lakh crore. Thus a huge chunk of rural deposits to the extent of over Rs 1 lakh crore was diverted rural area to give loans in metro areas. This trend has been continuing for decades. This is inequitable and rural advances should be at least in the same C/D ratio of Metros. The farmers could have been saved from the clutches of the moneylenders charging high interest rate of 24% to 36% per annum. The additional Rs 1 lakh crore loans that could have been given for farming and running rural enterprises would have generated twice the income and more employment opportunities than when the same loan amount given to traders, realtors and NBFCs in Metros.