**Executive Summary**
This document presents the Scheduled Banks' Statement of Position in India as of December 15, 2025. It details the assets and liabilities of all scheduled banks and scheduled commercial banks (including RRBs, SFBs, and PBs). The data includes comparisons with figures from November 28, 2025, and December 13, 2024. The next press communique will be published on November 30, 2026.
**Key Points / Main Content**
* **Liabilities**
* **To the Banking System:**
* Includes demand and time deposits from banks, borrowings from banks, and other demand and time liabilities.
* **To Others:**
* Includes deposits (other than from banks, with a breakdown of demand and time deposits), borrowings, and other demand and time liabilities.
* **Borrowings from RBI:**
* Includes borrowings against usance bills and/or promissory notes.
* **Assets**
* **Cash:**
* Cash on hand
* **Balances with RBI:**
* Balances in accounts held with the Reserve Bank of India.
* **Assets with Banking System:**
* Includes balances with other banks, money at call and short notice, advances to banks, and other assets.
* **Investments (At book value):**
* Includes central and state government securities and other approved securities.
* **Bank Credit (Excluding Inter-Bank Advances):**
* Includes loans, cash credits and overdrafts, inland bills purchased/discounted, and foreign bills purchased/discounted.
* **Food Credit Outstanding:**
* Separate figures are provided for Scheduled Commercial Banks and Scheduled Co-operative Banks.
**Impact Analysis**
**Key Stakeholder**: Scheduled Banks (Commercial, State Co-operative, and Primary Urban Co-operative)
**Impact**: Requires banks to be aware of the reported asset and liability figures for regulatory compliance and internal financial analysis. These figures serve as a benchmark and indicator of their financial standing relative to the broader banking sector.
**Action Required**: Review the data and ensure compliance with regulations, including understanding changes in accounting practices. Additionally, analyse the data for strategic decision-making and financial planning.
Key Entities Referenced
Reserve Bank of India: Central bank of India; regulates banks and issues currency.
Scheduled Commercial Banks: Banks included in the Second Schedule to the Reserve Bank of India Act, 1934.
Reserve Bank of India Act, 1934: Act governing the Reserve Bank of India and its functions.
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
December 31, 2025
Scheduled Banks’ Statement of Position in India as on December 15, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs,SFBs and PBs)
13-DEC-2024# 28-NOV-2025 15-DEC-2025 13-DEC-2024# 28-NOV-2025 15-DEC-2025
I LIABILITIES TO THE BKG.SYSTEM (A)
a) Demand & Time deposits from banks 310793.89 322855.52 308549.36 315564.52 330192.04 315719.18**
b) Borrowings from banks 131991.65 78658.89 83821.58 132026.65 78790.89 83903.92
c) Other demand & time liabilities 24423.19 31092.93 34245.87 24724.99 31559.27 34761.43
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from banks) 22067643.54 24260054.93 24131870.09 22525491.06 24808631.87 24642171.83
i) Demand 2609721.73 3013417.05 2919952.48 2658233.40 3066260.45 2971583.16
ii) Time 19457921.81 21246637.88 21211917.61 19867257.66 21742371.41 21670588.67
b) Borrowings @ 866934.53 879199.45 841791.95 871445.25 884674.14 847446.53
c) Other demand & time liabilities 1143637.66 1055135.43 1283932.29 1156733.92 1071770.27 1299846.30
III BORROWINGS FROM R.B.I. (B) 108704.00 2144.00 26568.00 108704.00 2144.00 26568.00
Against usance bills and / or prom. Notes
IV CASH 83977.85 82870.50 81335.39 86328.50 85573.87 83916.11
V BALANCES WITH R.B.I. (B) 986172.40 778275.12 747480.68 1006614.94 794131.05 763833.32
VI ASSETS WITH BANKING SYSTEM
a) Balances with other banks
i) In current accounts 29461.51 8538.15 9745.39 32033.73 10658.24 11584.10
ii) In other accounts 194932.33 256554.60 255110.97 246450.87 322879.93 316517.68
b) Money at call & short notice 22466.13 36427.10 34277.34 35121.39 58421.60 51556.63
c) Advances to banks (i.e. due from bks.) 40659.31 32470.31 33205.60 41482.93 33165.21 34126.31£
d) Other assets 61974.66 72082.55 61415.19 65220.15 81300.15 67357.35
VII INVESTMENTS (At book value) 6556946.66 6886471.97 6881357.58 6707834.80 7067574.03 7050861.37
a) Central & State Govt. securities+ 6556442.20 6886016.76 6880903.53 6699742.93 7057467.82 7040796.26
b) Other approved securities 504.46 455.21 454.05 8091.88 10106.21 10065.11
BANK CREDIT (Excluding Inter-Bank
VIII
Advances
17586881.31 19529443.34 19694564.27 18038725.58 20072345.50 20180760.92
a) Loans, cash credits & Overdrafts $ 17273992.71 19157525.72 19318008.40 17722664.81 19698574.87 19802340.61
b) Inland Bills purchased 67060.49 88731.87 89932.43 68504.00 88953.49 90144.11
c) Inland Bills discounted 207809.17 248008.24 251492.13 208936.70 249024.30 252532.01
d) Foreign Bills purchased 16704.69 12952.99 12860.20 16932.44 13188.23 13088.85
e) Foreign Bills discounted 21314.25 22224.50 22271.10 21687.63 22604.60 22655.342
NOTE
# These figures relates to corresponding reporting Friday of previous year (as per old 'Fortnight' definition) and it shall
continue till the publication of Press Communique as on November 30th, 2026.
(A) Demand and Time Liabilities do not include borrowings of any Scheduled State Co-operative Bank from State Government
and any reserve fund deposits maintained with such banks by any co-operative society within the areas of operation of
such banks.
** This excludes deposits of Co-operative Banks with Scheduled State Co-operative Banks. These are included under item II
(a).
@ Other than from Reserve Bank, National Bank for Agriculture and Rural Development and Export Import Bank of India.
The figures relating to Scheduled Commercial Banks' Borrowings in India from Reserve Bank and balances with Reserve
(B)
Bank are those shown in the statement of affairs of the Reserve Bank. Borrowings against usance bills and/ or promissory
notes are under Section 17(4)(c) of the Reserve Bank of India Act, 1934. Following a change in the accounting practise for
LAF transactions with effect from July 11, 2014, as per the recommendations of Malegam Committee formed to Review the
Format of Balance Sheet and the Profit and Loss Account of the Bank, the transactions in case of Repo / Term Repo / MSF
are reflected under 'Borrowings from RBI'.
£ This excludes advances granted by Scheduled State Co-operative Banks to Co-operative banks. These are included
under item VIII (a).
+ Includes Treasury Bills, Treasury Deposits, Treasury Savings Certificates and postal obligations.
$ Includes advances granted by Scheduled Commercial Banks and Scheduled Cooperative Banks to Public Food
Procurement Agencies (viz. Food Corporation of India, State Government and their agencies under the Food consortium).
Food Credit Outstanding as on
(Amount in ₹ crore)
Date 13-DEC-2024# 28-Nov-2025 15-Dec-2025
Scheduled Commercial Banks 52306.66 79801.03 83949.79
Scheduled Co-operative Banks 50616.47 51974.00 51974.00
The expression ' Banking System ' or ' Banks ' means the banks and any other financial institution referred to
in sub-clauses (i) to (vi) of clause (d) of the explanation below Section 42(1) of the Reserve Bank of India
Act, 1934.
No. of Scheduled Commercial Banks as on Current Fortnight : 121
No. of Scheduled State Co-operative Banks as on Current Fortnight : 24
No. of Scheduled Primary(Urban) Co-operative Banks as on Current Fortnight : 52
Ajit Prasad
Press Release: 2025-2026/1805 Deputy General Manager
(Communications)