Introduction:
The Reserve Bank of India (RBI) is the central bank of India, responsible for controlling and regulating the monetary policy of the country. One of the key roles of the RBI is to control credit in order to maintain stability in the financial system. To achieve this, the RBI adopts various measures, including cash deposit ratio, cash reserve ratio, statutory liquidity ratio, and selective credit control.

Cash Deposit Ratio:
The cash deposit ratio refers to the ratio of cash deposits that commercial banks are required to maintain with the RBI as a percentage of their net demand and time liabilities. This measure helps in controlling credit by reducing the availability of funds with commercial banks for lending purposes. When the cash deposit ratio is increased, banks have to keep a larger portion of their deposits with the RBI, reducing the amount of money available for lending.

Cash Reserve Ratio:
The cash reserve ratio is the percentage of net demand and time liabilities that commercial banks are required to maintain as cash reserves with the RBI. This measure also helps in controlling credit by reducing the lendable resources of the banks. When the cash reserve ratio is increased, banks have to maintain a larger portion of their deposits as cash reserves, limiting their ability to lend.

Statutory Liquidity Ratio:
The statutory liquidity ratio refers to the percentage of net demand and time liabilities that banks are required to maintain in the form of liquid assets, such as cash, gold, and government securities. This measure also helps in controlling credit by restricting the lendable resources of the banks. When the statutory liquidity ratio is increased, banks have to maintain a higher proportion of their liabilities in the form of liquid assets, reducing the amount available for lending.

Selective Credit Control:
Selective credit control refers to the measures adopted by the RBI to regulate the flow of credit to specific sectors or activities. This includes prescribing the maximum loan-to-value ratio for certain types of loans, setting limits on sectoral lending, and imposing restrictions on the purchase of certain types of assets. Selective credit control helps in directing credit towards priority sectors and preventing excessive lending to sectors that may pose risks to the financial system.

Conclusion:
Among the measures mentioned, the cash deposit ratio is not adopted by the RBI for controlling credit in India. The RBI primarily uses the cash reserve ratio, statutory liquidity ratio, and selective credit control to regulate credit and maintain financial stability in the country.