**Executive Summary**
This report provides highlights from the Reserve Bank's "Quarterly Basic Statistical Return (BSR)-2 on Deposits with Scheduled Commercial Banks – September 2025." The BSR-2 data, released on November 28, 2025, reflects deposit growth and related statistics from Scheduled Commercial Banks (SCBs), excluding regional rural banks. The full publication is available on the RBI's 'Database on Indian Economy' portal.
**Key Points / Main Content**
* **Overall Deposit Growth:**
* Deposits with SCBs grew by 9.9% year-on-year as of end-September 2025, compared to 11.7% a year prior.
* **Branch-wise Deposit Growth:**
* Metropolitan branches showed moderated deposit growth (9.6%).
* Rural, semi-urban, and urban branches saw deposit growth of 11.7%, 10.7%, and 9.5%, respectively.
* **Bank Group Performance:**
* Public sector banks recorded 9.6% deposit growth, with their share of deposits increasing to 57.6%.
* Private sector banks' deposit growth declined to 10.0%.
* **Deposit Types:**
* Term deposit growth, while declining (11.6%), remained higher than current (9.3%) and savings (6.7%) deposits.
* **Term Deposit Maturity:**
* 69.8% of term deposits had an original maturity bucket of one to three years.
* 20.0% of term deposits had a maturity period of up to one year.
* **Term Deposit Interest Rates:**
* The share of term deposits bearing interest rates 'less than 7 per cent' surged to 46.0%.
* **Deposit Size:**
* Term deposits of 'one crore and above' grew by 12.3%.
* **Household Deposits:**
* The household sector held nearly three-fifths of deposits.
* Individuals (including HUF) and females owned 85.6% and 34.5% of household deposits, respectively.
* **Senior Citizen Deposits:**
* Senior citizens' contribution to total SCB deposits rose to 20.6%.
* **Regional Distribution of Household Deposits:**
* Top six states/union territories accounted for 54.2% of household deposits.
* Maharashtra alone contributed 16.5%.
**Impact Analysis**
**Scheduled Commercial Banks (SCBs):**
* **Impact:** SCBs need to be aware of the trends in deposit growth across different branch types, bank groups, and deposit types to inform their strategies.
* **Action Required:** Review deposit growth trends and adjust strategies accordingly. Ensure compliance with reporting requirements.
**RBI Policy Makers:**
* **Impact:** The data provides insights into the overall health of the banking sector and deposit trends.
* **Action Required:** Use the data to inform monetary policy decisions and regulatory oversight of SCBs.
**Depositors (Individuals, Households, Senior Citizens):**
* **Impact:** The report provides insights into where their deposits are concentrated and trends in interest rates.
* **Action Required:** Monitor deposit rates and consider diversifying deposit types to optimize returns.
**Indian Economy:**
* **Impact:** Shows the trend in economic activity.
* **Action Required:** Data is already available to the public, no immediate action is required.
Key Entities Referenced
Scheduled Commercial Banks (SCBs): Banks required to submit quarterly data on deposits.
Quarterly Basic Statistical Return (BSR)-2 on Deposits: Statistical report on deposits with Scheduled Commercial Banks.
RBI Act, 1934: Act under which Form-A Return is collected, which is the base for bank deposits data.
Reserve Bank of India: The regulator releasing the BSR-2 publication.
Mumbai: Location of Reserve Bank of India central office.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय ररज़र्व बैंक
RESERVE BANK OF INDIA
वेबसाइट
:
www.rbi.org.in/hindi
संचार वर्भाग, केंद्रीय कायाालय, शहीद भगत ससिंह मागा, फोटा, म िंबई - 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
November 28, 2025
Quarterly Basic Statistical Return (BSR)-2 on Deposits with Scheduled Commercial
Banks - September 2025
Today, the Reserve Bank released the web publication ‘Quarterly Basic Statistical
Return (BSR)-2 on Deposits with Scheduled Commercial Banks1 – September 20252’ on
its ‘Database on Indian Economy’ portal3 (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 registered 9.9 per cent of growth (y-o-y) as at end-September 2025
as compared to 11.7 per cent a year 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) for the last reporting Friday of September 2025 have been 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-June 2025 position, was published on
August 29, 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
• Metropolitan branches, having larger share of deposits, exhibited moderation in deposit
growth (y-o-y) to 9.6 per cent in September 2025 from 12.7 per cent a year ago. The
rural, semi-urban and urban branches registered 11.7 per cent, 10.7 per cent and 9.5
per cent deposit growth, respectively, during the same period.
• Public sector banks recorded 9.6 per cent of deposit growth (y-o-y) with an improvement
in share of deposits to 57.6 per cent in September 2025 from 57.3 per cent a quarter
ago. Deposit growth of private sector banks declined to 10.0 per cent in September 2025
from 15.1 per cent a year ago.
• Though there is a declining trend in term deposit growth (11.6 per cent), it remained
higher than that of current (9.3 per cent) and savings deposit (6.7 per cent) in September
2025.
• As at end-September 2025, 69.8 per cent of term deposits were held under the original
maturity bucket of ‘one to three years’ vis-à-vis 66.8 per cent a year ago and 20.0 per
cent of term deposits were held under maturity period up to one year.
• The share of term deposits bearing interest rate ‘less than 7 per cent’ surged to 46.0 per
cent in September 2025 from 31.2 per cent a year ago (Chart II).3
• Term deposits of size ‘one crore and above’ grew (y-o-y) by 12.3 per cent in September
2025 and their share stood at 45.6 per cent as compared to 45.3 per cent a year ago.
• The household sector remained the largest contributor of deposits with nearly three-
fifths share in deposits in September 2025. Within household sector, individuals
(including HUF) and females owned 85.6 per cent and 34.5 per cent of deposits,
respectively, in September 2025.
• Contribution of senior citizens in total SCB’s deposits rose to 20.6 per cent as of end-
September 2025 (20.1 per cent a year ago).
• Top six states / union territories (viz., Maharashtra, Uttar Pradesh, Karnataka, NCT of
Delhi, Tamil Nadu and West Bengal) collectively accounted for 54.2 per cent of
household deposits in September 2025. Maharashtra alone contributed to 16.5 per cent
of households’ deposits.
Ajit Prasad
Press Release: 2025-2026/1582 Deputy General Manager
(Communications)