The phased withdrawal of the incremental cash reserve ratio (ICRR) between September 9 and October 7 would help banks to meet the festive credit credit demand, top bank executives said. There was some strain in the sectoral liquidity due to the absorption of surplus liquidity through the incremental cash reserve ratio (ICRR). Plus, credit growth has been outpacing deposit growth over a long period on a sectoral level and the trend may continue.