In an exclusive interview with Siddharth Zarabi, Editor of Business Today, SBI Chairman CS Setty addressed concerns about the lag in deposit growth compared to credit growth amidst a capital shift toward stock markets. He noted that recent data shows deposit growth has now overtaken credit growth, signaling a return to equilibrium. Both are expected to stabilize at around 11-12%. Setty emphasized that the transition from savers to investors is a natural progression in a maturing economy, driven by increasing investment opportunities and the ease of investing. He highlighted the role of mutual funds in fostering an investment culture and pointed out the ease of moving funds from savings accounts to fixed deposits as an example of this shift. Importantly, Setty stressed that deposits remain a critical component of the investment basket for individuals. He underscored the importance of balanced asset allocation, advising against concentrating solely on equities and advocating for a diversified investment approach where deposits hold a significant role.