The Finance Ministry has asked public sector banks not to accept bulk deposits beyond 15 per cent of total deposits to improve asset-liability management. “10 per cent is the bulk deposit above the card rate and 5 per cent is the CDs (certificate of deposit). So overall a cap of 15 per cent. With that banks have flexibility,” Department of Financial Services Secretary DK Mittal said. A circular in this regard has been issued by the Ministry to the banks.