**Executive Summary**
This press release from the Reserve Bank of India (RBI), dated January 14, 2026, presents the scheduled banks' statement of position in India as of December 31, 2025. It includes details on liabilities and assets of all scheduled banks, broken down by Scheduled Commercial Banks and All Scheduled Banks. Comparative data from December 27, 2024, and December 15, 2025, is also provided.
**Key Points / Main Content**
* **Liabilities:**
* **To the Banking System (A):** Includes demand & time deposits from banks, borrowings from banks, and other demand & time liabilities.
* **To Others (A):** Includes deposits (other than from banks) (demand and time), borrowings, and other demand & time liabilities.
* **From RBI (B):** Borrowings against usance bills and/or promissory notes.
* **Assets:**
* **Cash:** Amount of cash held by the banks.
* **Balances with RBI (B):** Amounts held as balances with the RBI.
* **Assets with Banking System:**
* Balances with other banks (in current accounts and other accounts).
* Money at call & short notice.
* Advances to banks (i.e., due from banks).
* Other assets.
* **Investments (At book value):** Includes investments in Central & State Government securities and other approved securities.
* **Bank Credit (Excluding Inter-Bank Advances):** Includes loans, cash credits & overdrafts, inland bills purchased, inland bills discounted, foreign bills purchased, and foreign bills discounted.
* **Food Credit Outstanding:** Details the amount outstanding as on December 27, 2024, December 15, 2025, and December 31, 2025, for both Scheduled Commercial Banks and Scheduled Co-operative Banks.
* **Number of Banks:** The press release notes the number of banks as on current fortnight is:
* Scheduled Commercial Banks: 121
* Scheduled State Co-operative Banks: 24
* Scheduled Primary(Urban) Co-operative Banks: 52
**Impact Analysis**
**Scheduled Commercial Banks and All Scheduled Banks**
* **Impact:** These banks must analyze their financial positions against the provided data to assess their performance, liquidity, and adherence to regulatory requirements.
* **Action Required:** Review asset and liability portfolios and make necessary adjustments to maintain financial stability and regulatory compliance.
**Reserve Bank of India (RBI)**
* **Impact:** The RBI uses this data to monitor the health and stability of the banking sector and to inform monetary policy decisions.
* **Action Required:** Analyze the data to identify trends and potential risks in the banking sector and implement appropriate regulatory measures.
Key Entities Referenced
Reserve Bank of India Act, 1934: Referenced in the definition of 'Banking System' or 'Banks' in relation to Section 42(1).
Scheduled Commercial Banks: Key entity for which the statement of position is being presented, including RRBs, SFBs, and PBs.
Scheduled Co-operative Banks: An entity whose borrowings and advances are accounted for separately and referenced in relation to state governments and other banks.
Borrowings from R.B.I.: Liabilities of scheduled banks to the Reserve Bank of India.
Public Food Procurement Agencies: Entities receiving advances from Scheduled Commercial Banks and Scheduled Cooperative Banks.
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
January 14, 2026
Scheduled Banks’ Statement of Position in India as on December 31, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
27-Dec-2024# 15-Dec-2025 31-Dec-2025 27-Dec-2024# 15-Dec-2025 31-Dec-2025
I LIABILITIES TO THE BKG.SYSTEM (A)
a) Demand & Time deposits from banks 291575.28 308549.36 337365.07 296174.25 315719.18 344747.49**
b) Borrowings from banks 138334.17 83821.58 84013.30 138393.41 83903.92 84138.74
c) Other demand & time liabilities 26605.84 34245.87 32844.28 26928.62 34761.43 33323.55
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from banks) 22062591.24 24131870.09 24859857.16 22522348.55 24642171.83 25376795.22
i) Demand 2569572.55 2919952.48 3275197.79 2617452.24 2971583.16 3328280.24
ii) Time 19493018.69 21211917.61 21584659.37 19904896.31 21670588.67 22048514.98
b) Borrowings @ 955100.33 842291.95 825578.41 959774.67 847946.53 830784.11
c) Other demand & time liabilities 996625.80 1283932.29 1060701.99 1009761.24 1299846.30 1076607.31
III BORROWINGS FROM R.B.I. (B) 244697.00 26568.00 168974.00 244697.00 26568.00 168974.00
Against usance bills and / or prom. Notes
IV CASH 89266.66 81335.39 83463.72 91928.02 83916.11 85867.06
V BALANCES WITH R.B.I. (B) 939427.84 747480.68 712616.84 959076.39 763833.32 727333.84
VI ASSETS WITH BANKING SYSTEM
a) Balances with other banks
i) In current accounts 13937.81 9745.39 14383.12 16333.18 11584.10 17232.23
ii) In other accounts 202800.35 255110.97 257278.90 254835.65 316517.68 319113.22
b) Money at call & short notice 18342.37 34277.34 36096.91 30172.93 51556.63 54656.93
c) Advances to banks (i.e. due from bks.) 40681.89 33205.60 35292.92 42098.99 34126.31 37201.02£
d) Other assets 63846.56 61415.19 69207.67 67171.64 67357.35 75299.05
VII INVESTMENTS (At book value) 6595746.81 6881357.58 6884983.11 6747371.43 7050861.37 7054973.71
a) Central & State Govt. securities+ 6595248.93 6880903.53 6884483.14 6739532.59 7040796.26 7044429.11
b) Other approved securities 497.88 454.05 499.96 7838.84 10065.11 10544.60
VIII BANK CREDIT (Excluding Inter-Bank 17743037.47 19694564.27 20322515.47 18194820.87 20180760.92 20813517.42
Advances
a) Loans, cash credits & Overdrafts $ 17422048.45 19318008.40 19916854.98 17870643.26 19802340.61 20405944.29
b) Inland Bills purchased 72062.62 89932.43 96940.01 73546.04 90144.11 97113.48
c) Inland Bills discounted 211818.94 251492.13 271618.96 212903.77 252532.01 272756.46
d) Foreign Bills purchased 15550.79 12860.20 13616.52 15770.33 13088.85 13827.38
e) Foreign Bills discounted 21556.66 22271.10 23485.00 21957.47 22655.34 23875.822
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 27-Dec-2024# 15-Dec-2025 31-Dec-2025
Scheduled Commercial Banks 56138.69 83949.79 87972.45
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: 2025-2026/1921 Deputy General Manager
(Communications)