The spread engine
CASA vs term deposits: why current accounts are "gold"
Cheap current/savings money versus pricey fixed deposits — a cheaper deposit mix means fatter margins.
Why it matters
For an RM, a current-account customer can be worth far more than an FD customer of the same size — and you'll be asked why the bank chases the cheap money.
A worked example
₹10 lakh in a current account costs the bank ₹0 a year; the same in an FD costs ~₹70,000 — same lending, very different profit.
The picture
What it leads to
This deposit mix is exactly what sets the bank's cost of funds, which is why branches chase CASA so hard.
Where it sits in the map
Follow the causation