**Executive Summary**
This press release from the Reserve Bank of India (RBI) presents the statement of position for all scheduled banks in India as of December 31, 2025, with comparative data from December 15, 2025, and December 27, 2024. It details the liabilities and assets of these banks, including scheduled commercial banks, RRBs, SFBs, and PBs. The data will continue to be published until the release of the press communique on November 30th, 2026.
**Key Points / Main Content**
* **Liabilities and Assets:**
* Provides a detailed breakdown of the liabilities and assets of scheduled banks.
* Includes data for "Liabilities to the Banking System" and "Liabilities to Others," along with specific categories like deposits, borrowings, and other demand and time liabilities.
* Covers "Assets with Banking System," "Investments," and "Bank Credit."
* **Comparison Data:**
* Presents data as of December 31, 2025, December 15, 2025, and December 27, 2024 to show trends and changes over time.
* **Specific Items:**
* Details the figures related to the RBI, including borrowings from the RBI and balances with the RBI.
* Excludes specific items like deposits of Cooperative Banks with Scheduled State Co-operative Banks.
* Includes items like Treasury Bills, Treasury Deposits, Treasury Savings Certificates, and postal obligations.
* **Food Credit Outstanding:**
* Presents food credit outstanding as on the three dates, separately for Scheduled Commercial Banks and Scheduled Co-operative Banks.
* **Bank Numbers**
* Provides the number of scheduled commercial banks, scheduled state co-operative banks, and primary (urban) co-operative banks as on current fortnight.
**Impact Analysis**
**Scheduled Banks (Commercial, Cooperative, etc.)**
* **Impact:** Banks need to compare their financial positions against the industry averages and trends revealed in the statement.
* **Action Required:** Analyze the data to identify areas of strength and weakness, and make any necessary adjustments to strategies, lending practices, or investment decisions.
**RBI (Reserve Bank of India)**
* **Impact:** The RBI uses this data to monitor the health and stability of the banking sector and inform policy decisions.
* **Action Required:** Analyze trends and patterns in the data to assess the need for regulatory changes, monetary policy adjustments, or other interventions to maintain financial stability.
**Government and Policymakers**
* **Impact:** The government can use this information to gauge the availability of credit in the economy and assess the impact of government policies on the banking sector.
* **Action Required:** Review the data to understand the flow of credit to various sectors and evaluate the need for additional government support or policy adjustments.
**General Public/Investors**
* **Impact:** The data can provide insights into the overall health of the banking sector and the availability of credit.
* **Action Required:** Use the information to assess the risk and opportunities associated with investing in the banking sector or accessing credit from banks.
Key Entities Referenced
Reserve Bank of India Act, 1934: The Act under which borrowings against usance bills and/or promissory notes fall in the statement of position.
Scheduled Commercial Banks: Banks included in the statement of position that have been scheduled and that are not RRBs, SFBs or PBs.
All Scheduled Banks: Banks included in the statement of position.
Reserve Bank of India: Regulator whose transactions of Repo / Term Repo / MSF are reflected under 'Borrowings from RBI'.
National Bank for Agriculture and Rural Development: Other than from Reserve Bank, National Bank for Agriculture and Rural Development and Export Import Bank of India.
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)