**Executive Summary**
This document is a press release from the Reserve Bank of India (RBI) regarding the 'Quarterly Basic Statistical Return (BSR)-2 on Deposits with Scheduled Commercial Banks' for September 2025. It highlights key data points related to deposit growth, composition, and distribution across various segments. The data was released on November 28, 2025, 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 (y-o-y) as of end-September 2025, compared to 11.7% a year prior.
* **Branch-wise Deposit Growth:**
* Metropolitan branches showed moderation in deposit growth to 9.6% y-o-y.
* Rural, semi-urban, and urban branches registered deposit growth of 11.7%, 10.7%, and 9.5%, respectively.
* **Bank-wise Deposit Growth:**
* Public sector banks recorded a 9.6% deposit growth (y-o-y), increasing their deposit share to 57.6%.
* Private sector banks' deposit growth declined to 10.0%.
* **Term Deposit Trends:**
* Although term deposit growth showed a declining trend (11.6%), it remained higher than current (9.3%) and savings deposit (6.7%) growth.
* 69.8% of term deposits were held under the 'one to three years' maturity bucket.
* The share of term deposits bearing interest rates "less than 7 per cent" rose to 46.0%.
* **Deposit Size and Contributors:**
* Term deposits of ₹1 crore and above grew by 12.3% y-o-y.
* The household sector contributed approximately three-fifths of deposits.
* Senior citizens accounted for 20.6% of total SCB deposits.
* Top six states/UTs accounted for 54.2% of household deposits, with Maharashtra contributing 16.5%.
**Impact Analysis**
**Stakeholder: Scheduled Commercial Banks (SCBs)**
* **Impact:** SCBs are required to report quarterly branch-wise data on various aspects of deposits, impacting their data reporting and compliance obligations.
* **Action Required:** SCBs need to ensure accurate and timely submission of BSR-2 data, including data on deposit types, ownership, maturity patterns, and interest rate ranges.
Key Entities Referenced
Quarterly Basic Statistical Return (BSR)-2 on Deposits with Scheduled Commercial Banks: A report released by the Reserve Bank of India providing data on deposits with scheduled commercial banks.
Scheduled Commercial Banks (SCBs): Banks that are included in the Second Schedule of the Reserve Bank of India Act, 1934.
Reserve Bank of India (RBI): The central bank of India, responsible for releasing the BSR-2 report.
RBI Act, 1934: The Reserve Bank of India Act, which mandates the collection of data under Section 42(2) as referenced in the report.
Mumbai: Location of the Department of Communication, Central Office of the Reserve Bank of India.
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)