1990-91, The ratio of demand and time deposits worked out to 25.2 per cent and 748 per cent in 1991-92 as compared with 17.6 per cent and 82.4 per cent in the previous year. The accretion to aggregate deposits during the year was more or less steady in the major part of the year, except in the last week when there was a surge of Rs 4,182 crore reflecting efforts at window-dressing as the year drew to a close.