**Executive Summary**
This document presents the Reserve Bank of India's Quarterly Basic Statistical Return (BSR)-2 on Deposits with Scheduled Commercial Banks for December 2025. The report details deposit growth and composition, with key data released on February 27, 2026.
**Key Points / Main Content**
* **Overall Deposit Growth**
* Deposits with Scheduled Commercial Banks (SCBs) grew by 10.5 per cent year-on-year as at end-December 2025.
* This represents a slight decrease from 11.0 per cent growth a year prior and a marginal increase from 9.9 per cent growth a quarter ago.
* Branches across all population groups, except metropolitan areas, showed improved deposit growth compared to the previous year.
* **Bank Group Performance**
* Public sector banks saw deposit growth improve to 9.9 per cent in December 2025 from 9.1 per cent in the previous year.
* Private sector banks experienced a deceleration, with growth standing at 11.3 per cent, a decrease of 2.1 percentage points over the same period.
* **Deposit Type Performance**
* Term deposits were the primary driver of deposit accumulation, recording 11.5 per cent growth year-on-year.
* This outpaced the growth of current deposits (11.1 per cent) and savings deposits (8.3 per cent).
* **Sectoral Contribution**
* The household sector remained the largest contributor to deposits, accounting for 60.1 per cent as of end-December 2025.
* During the first three quarters of FY:2025-26 (April-December 2025), the household sector was responsible for over three-fourths of the total change in SCBs' deposits.
* **Demographic Trends**
* The contribution of female depositors increased to 20.8 per cent in December 2025 from 20.6 per cent a year ago.
* The share of deposits held by senior citizens rose to 20.7 per cent in December 2025 from 20.2 per cent a year earlier.
* **Term Deposit Characteristics**
* Approximately 70.5 per cent of term deposits had an original maturity of one to three years as of December 2025.
* Short-term deposits (maturity up to one year) constituted 19.5 per cent of term deposits.
* The share of term deposits with interest rates of 'less than 7 per cent' significantly increased to 56.3 per cent in December 2025, up from 29.2 per cent a year ago, reflecting monetary easing.
* The proportion of term deposits sized 'Rs.1 crore and above' increased to 45.8 per cent in December 2025 from 45.5 per cent in the previous year.
**Impact Analysis**
**Scheduled Commercial Banks (SCBs)**
* **Impact:** SCBs are required to report detailed branch-wise data on various deposit types, ownership, age distribution, maturity patterns, size, and interest rates. The report provides insights into their deposit growth performance and composition across different segments.
* **Action Required:** Continue to collect and report data as per the BSR-2 format. Analyze the trends and insights from the released data to inform strategic planning and policy decisions.
**Household Sector**
* **Impact:** The household sector is identified as the largest contributor to deposits, indicating their significant role in the banking system. Changes in deposit behaviour and preferences, such as increased investment in term deposits and shifting maturity patterns, directly affect household financial planning.
* **Action Required:** Continue to manage savings and investments according to evolving interest rate scenarios and deposit product offerings.
**Female Depositors and Senior Citizens**
* **Impact:** Their increasing share in total deposits suggests growing financial inclusion and participation in the formal banking sector.
* **Action Required:** Continue to engage with and cater to the financial needs of these demographic groups through appropriate product development and service delivery.
Key Entities Referenced
Basic Statistical Return (BSR)-2 on Deposits with Scheduled Commercial Banks: The primary dataset and publication discussed in the press release, detailing quarterly branch-wise data on deposits.
Reserve Bank of India (RBI): The issuing body of the press release and the regulator responsible for collecting and publishing the BSR-2 data.
Scheduled Commercial Banks (SCBs): The institutions whose deposit data is being analyzed and reported.
RBI Act, 1934: The legal basis under which the aggregate data on bank deposits is collected.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय �रज़वर् बैंक
RESERVE BANK OF INDIA
वेबसाइट : www.rbi.org.in/hindi संचार िवभाग, केंद्रीय कायार्लय, शहीद भगत िसंह मागर्, फोटर्, मुंबई - 400 001
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मेल/email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
February 27, 2026
Quarterly Basic Statistical Return (BSR)-2 on Deposits with Scheduled Commercial
Banks - December 2025
Today, the Reserve Bank released the web publication ‘Quarterly Basic Statistical
Return (BSR)-2 on Deposits with Scheduled Commercial Banks1 – December 20252’ on
its ‘Database on Indian Economy’ portal 3 (https://data.rbi.org.in Homepage >
Publications).
Scheduled commercial banks (SCBs), excluding regional rural banks, report quarterly
branch-wise data on type of deposits (current, savings and term), its institutional sector
wise ownership, age wise distribution of deposits pertaining to individuals, maturity
pattern, size, and interest rate range wise distribution of term deposits as well as number
of employees in the ‘Basic Statistical Return’ (BSR) - 2. These data are released at
disaggregated level across population groups4, bank groups, states, districts, and
centres.
Highlights:
• Deposits with SCBs grew (y-o-y) by 10.5 per cent as at end-December 2025 as
compared to 11.0 per cent a year ago and 9.9 per cent a quarter ago (Chart I).
1 Aggregate data on bank deposits, based on fortnightly Form-A Return (collected under Section 42(2) of the RBI Act,
1934) as on end-December 2025, was published earlier at our website (https://rbi.org.in/ Home>Statistics>Data
Release>Fortnightly>Scheduled Bank's Statement of Position in India).
2 Reference date for BSR-2 is last day of the quarter. These data include the impact of merger of a non-bank with a
bank with effect from July 1, 2023.
3 Previous data release in the quarterly series, covering end-September 2025 position, was published on November
28, 2025, on RBI website.
4 Population group criteria used for BSR is based on population size of respective revenue centre, as per the
population census of 2011, where branches of SCBs are operating and classified as: a) 'Rural' (population less than
10,000), b) 'Semi-urban' (population of 10,000 to less than 1 lakh), c) 'Urban' (population of 1 lakh to less than 10
lakhs), d) 'Metropolitan' (population of 10 lakhs and above).2
• Branches across all population groups, except metropolitan, recorded improvement in
deposit growth in December 2025 from a year ago.
• Deposit growth (y-o-y) pertaining to public sector banks improved to 9.9 per cent in
December 2025 as compared to 9.1 per cent last year, whereas the same for private
sector banks decelerated by 2.1 percentage points during the said period and stood at
11.3 per cent in December 2025.
• Term deposits, the prime driver of deposit accumulation, recorded 11.5 per cent
growth (y-o-y) in December 2025 and outpaced the growth of current deposits (11.1
per cent) and savings deposits (8.3 per cent).
• The household sector remained the largest contributor with 60.1 per cent of deposits
as at end-December 2025. During first three quarters of FY:2025-26 i.e., April-
December 2025, the household sector drove more than three-fourths of total change in
SCBs’ deposits.
• The contribution of female depositors in total SCB’s deposits inched up to 20.8 per
cent in December 2025 as compared to 20.6 per cent a year ago.
• The share of Deposits held by senior citizens increased to 20.7 per cent in December
2025 from 20.2 per cent a year ago.
• Nearly 70.5 per cent of term deposits were having the original maturity of one to three
years as of December 2025, whereas 19.5 per cent of the term deposits were short-
term deposits with original maturity period up to one year.
• The transmission effects of monetary easing phase were evident, as the share of term
deposits offering interest rate of ‘less than 7 per cent’ rose to 56.3 per cent in
December 2025 from 29.2 per cent a year ago (Chart II).
• The share of term deposits of the size ‘Rs.1 crore and above’ increased and stood at
45.8 per cent in December 2025 (45.5 per cent a year ago).
Ajit Prasad
Press Release: 2025-2026/2186 Deputy General Manager
(Communications)