CASA (current account + savings account) deposits cost banks ~3% versus ~7% for term deposits. A 45% CASA ratio structurally lowers funding cost and defends margins when rates rise.
Falling CASA industry-wide signals deposit wars: every bank pays more for funds, and net interest margins compress across the board.
Example
Two banks with identical loan books: the 45%-CASA one earns ~0.5% extra margin yearly - compounding into a valuation gap within three years.
In Ticker Screener
Compare bank holdings on the switchable ROE column while reading CASA commentary in results - ratios plus narrative, one screen.
Frequently asked questions
What CASA is good?
Above 40% is strong for large banks; SBI-scale CASA above 42% is exceptional. Trend matters more than a single quarter.
Related terms
ROE
Return on equity: profit earned per rupee of shareholder money. High and stable ROE compounds wealth.
P/B Ratio
Price-to-book: market price versus net asset value per share. The classic yardstick for banks and asset-heavy firms.
Dividend Yield
Annual dividend divided by share price. A 4% yield pays Rs 4 yearly per Rs 100 invested - if the payout lasts.
Fed to FII: How US Rates Drive Indian Small & Mid-Caps
Fed at 3.75-4.00%, US 10Y above 5.10%, Rs 2.45 lakh crore of FPI outflows. The three transmission channels - yields, currency, crude - and the screening overlay for small-caps in risk-off regimes.
P/E, ROCE, ROE, P/B, dividend yield and market cap — live beside every price in your watchlist.