Kumar N., Verma P. (2008). Credit Deposit ratio and ownership structure in the Indian banking sector: an empirical analysis. Global Academic Society Journal: Social Science Insight, Vol. 1, No. 4, pp. 4-17. ISSN 20290365. [www.ScholarArticles.net] Download/print: *.pdf. Authors: Nitin Kumar, Reserve Bank of India, India dr. Puneet Verma, Reserve Bank of India, India Abstract For an emerging economy like India, it is