The government has infused Rs 22,915 crores in PSBs to ensure they are able to to step up credit. State Bank of India has got the maximum Rs 7,575 crore followed by Indian Overseas Bank that got Rs 3,101 crore. "The capital infusion exercise for the current year is based on an assessment of need as assessed from the CAGR of credit growth for the last five years, banks' own projections of credit growth and an objective assessment of the potential for growth of each Public Sector Bank," the finance ministry said in a statement. As much as 75% of the amount allocated is being released now to provide liquidity support for lending operations as also to enable banks to raise funds from the market, the ministry said. The remaining amount will be released based on performance, with particular reference to greater efficiency, growth of both credit and deposits and reduction in the cost of operations.