Executive Summary:
This press release from the Reserve Bank of India (RBI) announces the release of the Quarterly Basic Statistical Return (BSR2) on Deposits with Scheduled Commercial Banks (SCBs) for June 2025. The report, available on the RBI's Database on Indian Economy portal, provides disaggregated data on bank deposits, including type, ownership, maturity, and interest rate distributions. The reference date for BSR2 is the last day of the quarter.
Key Points / Main Content:
* **Overall Deposit Growth:** Bank deposits with SCBs registered a year-on-year (yoy) growth of 11.3% as of end-June 2025, compared to 11.7% net of merger a year prior.
* **Term Deposits:**
* Term deposits grew by 13.5% yoy, outpacing savings deposits, which grew by 5.4%.
* Term deposits accounted for 62.2% of total deposits in June 2025, up from 61.0% in June 2024.
* Approximately 70% of term deposits had original maturities of one to three years.
* Around 20% of term deposits had maturities of less than one year.
* The proportion of term deposits with interest rates of 7% and above decreased to 65.0% in June 2025 from 66.9% a year prior.
* The share of term deposits of size Rs. one crore and above inched up to 45.7 per cent in June 2025 as compared to 44.8 per cent a year ago.
* **Household and Corporate Deposits:**
* The share of household deposits modestly declined to 59.9% in June 2025 from 60.8% in June 2024.
* The share of financial corporations increased to 7.0% in June 2025 from 6.0% a year prior.
* Senior citizens owned 20.4% of total deposits as of end-June 2025.
* **Bank Group Performance:**
* Public sector banks' deposits grew by 10.2% yoy, while private sector banks' deposits grew by 12.4% yoy.
* Public sector banks held 57.3% of total deposits, and private sector banks held 36.0%.
* **Geographical Distribution:**
* The top five states/union territories (Maharashtra, NCT of Delhi, Karnataka, Uttar Pradesh, and Tamil Nadu) accounted for 54.3% of total deposits and 47.8% of household deposits as of end-June 2025.
Impact Analysis:
Scheduled Commercial Banks (SCBs):
* Impact: SCBs, excluding regional rural banks, are required to report quarterly branch-wise data on deposits as part of the Basic Statistical Return (BSR) 2. These data are used by the RBI for analysis and policy formulation.
* Action Required: Continue to accurately and promptly submit BSR 2 reports with the required data on deposits.
Reserve Bank of India (RBI):
* Impact: The RBI uses the data collected through BSR 2 to monitor trends in bank deposits, assess the financial health of the banking sector, and formulate monetary policy.
* Action Required: Continue to collect, analyze, and publish the BSR 2 data to inform policy decisions and provide transparency to the public.
General Public/Economy Observers:
* Impact: The BSR2 data provides insights into deposit trends, interest rate movements, and the overall health of the banking sector, enabling informed financial decisions.
* Action Required: Review the published BSR2 data on the RBI website to understand the latest trends in bank deposits and interest rates.
Key Entities Referenced
Reserve Bank of India: The central bank of India, responsible for regulating the banking system and monetary policy.
Scheduled Commercial Banks: Banks in India that are listed in the Second Schedule of the Reserve Bank of India Act, 1934.
RBI Act, 1934: The Reserve Bank of India Act, which established the Reserve Bank of India and outlines its powers and functions.
Basic Statistical Return BSR 2: A quarterly statistical return on deposits collected from Scheduled Commercial Banks by the Reserve Bank of India.
Maharashtra: A state in India with a significant share of total deposits.
NCT of Delhi: The National Capital Territory of Delhi, a union territory in India, with a significant share of total deposits.
Karnataka: A state in India with a significant share of total deposits.
Uttar Pradesh: A state in India with a significant share of total deposits.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय ररज़र्व ब ैंक
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
August 29, 2025
Quarterly BSR-2 on Deposits with Scheduled Commercial Banks - June 2025
Today, the Reserve Bank released the web publication ‘Quarterly Basic Statistical Return
(BSR)-2 on Deposits with Scheduled Commercial Banks1 – June 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:
• Bank deposits with SCB’s registered a growth (y-o-y) of 11.3 per cent as at end-June 2025 as
compared with that of 11.7 per cent (net of merger) 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 June 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-March 2025 position, was published on May
30, 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
• Term deposits recorded a growth (y-o-y) of 13.5 per cent, significantly outpacing the
saving deposits growth of 5.4 per cent in June 2025; consequently, the share of term
deposits in total deposits soared up to 62.2 per cent from 61.0 per cent in June 2024
(Chart I).
• Nearly 70 per cent of term deposits accounted for original maturity bucket of one to three
years in June 2025, whereas around 20 per cent of term deposits were short-term
deposits with maturity of less than one year.
• Reflection of recent monetary easing became evident in interest rate structure of term
deposits as the proportion of such deposits bearing higher interest rates of ‘7 per cent and
above’ declined to 65.0 per cent in June 2025 as compared to that of 66.9 per cent a year
ago.
• The share of term deposits of size ‘Rs. one crore and above’ inched up to 45.7 per cent in
June 2025 as compared to 44.8 per cent a year ago.
• The share of ‘Household’ deposits witnessed modest decline in recent period to 59.9 per
cent in June 2025 as compared to that of 60.8 per cent in June 2024; the corresponding
share of ‘Financial Corporations’ moved up to 7.0 per cent in June 2025 as compared to
that of 6.0 per cent a year ago (Chart II).
• Senior citizens owned 20.4 per cent of the total deposits as at end-June 2025.
• Deposits growth (y-o-y) of public sector banks and private sector banks stood at 10.2 per
cent and 12.4 per cent, respectively, in June 2025; whereas their corresponding shares in
deposits were hovering at 57.3 per cent and 36.0 per cent, respectively.
• Top five states / union territories (viz. Maharashtra, NCT of Delhi, Karnataka, Uttar
Pradesh, and Tamil Nadu) collectively accounted for 54.3 per cent of total deposits and
47.8 per cent of ‘Household’ deposits as at end-June 2025.
Ajit Prasad
Press Release: 2025-2026/998 Deputy General Manager
(Communications)