Credit–Deposit Growth Heatmap | Q3 FY26 Legend: 🟢 Strong (>15%) | 🟡 Moderate (8–15%) | 🔴 Weak (<8%) Union Bank of India * Credit: 🟡 7.1% * Deposits: 🔴 3.4% Punjab National Bank (PNB) * Credit: 🟡 11.0% * Deposits: 🟡 8.5% Bank of India * Credit: 🟡 13.6% * Deposits: 🟡 11.6% CSB Bank * Credit: 🟢 29% * Deposits: 🟢 21% UCO Bank * Credit: 🟢 16.3% * Deposits: 🟡 10.7% Punjab & Sind Bank * Credit: 🟢 15.3% * Deposits: 🟡 9.3% South Indian Bank * Credit: 🟡 11.3% * Deposits: 🟡 12.2% Indian Bank * Credit: 🟡 14.5% * Deposits: 🟡 12.5% Tamilnad Mercantile Bank * Credit: 🟢 16.3% * Deposits: 🟡 12.5% Karur Vysya Bank * Credit: 🟢 17.2% * Deposits: 🟢 15.6% 📌 Key Insights (Investor Lens): * 🟢 Best balanced growth: Karur Vysya Bank, CSB Bank * ⚠️ Credit > Deposit gap (monitor funding pressure): Union Bank, UCO Bank * 🟡 Stable PSU trend: PNB, Bank of India, Indian Bank * 💰 Retail/RAM-driven outperformers: CSB, Karur Vysya, Tamilnad Mercantile