**Executive Summary:**
This press release from the Reserve Bank of India (RBI), dated September 04, 2025, presents the statement of position for Scheduled Banks in India as of August 22, 2025, along with comparative figures from August 08, 2025, and August 23, 2024. It details the liabilities and assets of Scheduled Commercial Banks and All Scheduled Banks, including RRBs, SFBs, and PBs. Provisional figures are incorporated for banks that have not submitted final figures.
**Key Points / Main Content:**
* **Liabilities to the Banking System (Amount in crore):**
* Demand and Time deposits from banks: ₹347696.65 (August 22, 2025) for Scheduled Commercial Banks and ₹355276.68 for All Scheduled Banks.
* Borrowings from banks: ₹100383.06 (August 22, 2025) for Scheduled Commercial Banks and ₹100411.43 for All Scheduled Banks.
* Other demand and time liabilities: ₹24565.88 (August 22, 2025) for Scheduled Commercial Banks and ₹25090.82 for All Scheduled Banks.
* **Liabilities to Others (Amount in crore):**
* Deposits other than from banks: ₹23504100.92 (August 22, 2025) for Scheduled Commercial Banks and ₹23999120.05 for All Scheduled Banks.
* Demand: ₹2891681.20 (August 22, 2025) for Scheduled Commercial Banks and ₹2941483.87 for All Scheduled Banks.
* Time: ₹20612419.72 (August 22, 2025) for Scheduled Commercial Banks and ₹21057636.19 for All Scheduled Banks.
* Borrowings: ₹862408.87 (August 22, 2025) for Scheduled Commercial Banks and ₹866787.67 for All Scheduled Banks.
* Other demand and time liabilities: ₹1032985.49 (August 22, 2025) for Scheduled Commercial Banks and ₹1047225.90 for All Scheduled Banks.
* **Borrowings from RBI (Amount in crore):**
* Against usance bills and/or prom. Notes: ₹1818.00 (August 22, 2025) for both Scheduled Commercial Banks and All Scheduled Banks.
* **Assets (Amount in crore):**
* Cash: ₹83847.17 (August 22, 2025) for Scheduled Commercial Banks and ₹86450.96 for All Scheduled Banks.
* Balances with RBI: ₹932900.01 (August 22, 2025) for Scheduled Commercial Banks and ₹951890.51 for All Scheduled Banks.
* Assets with Banking System:
* Balances with other banks (In current accounts): ₹21156.66 (August 22, 2025) for Scheduled Commercial Banks and ₹23376.45 for All Scheduled Banks.
* Balances with other banks (In other accounts): ₹251445.26 (August 22, 2025) for Scheduled Commercial Banks and ₹312374.95 for All Scheduled Banks.
* Money at call and short notice: ₹15580.94 (August 22, 2025) for Scheduled Commercial Banks and ₹34331.63 for All Scheduled Banks.
* Advances to banks: ₹28221.07 (August 22, 2025) for Scheduled Commercial Banks and ₹29528.77 for All Scheduled Banks.
* Other assets: ₹55543.11 (August 22, 2025) for Scheduled Commercial Banks and ₹61019.57 for All Scheduled Banks.
* Investments at book value: ₹6758461.14 (August 22, 2025) for Scheduled Commercial Banks and ₹6924210.30 for All Scheduled Banks.
* Central/State Govt. securities: ₹6758002.12 (August 22, 2025) for Scheduled Commercial Banks and ₹6915036.57 for All Scheduled Banks.
* Other approved securities: ₹459.01 (August 22, 2025) for Scheduled Commercial Banks and ₹9173.73 for All Scheduled Banks.
* Bank Credit Excluding Inter-Bank Advances: ₹18644997.25 (August 22, 2025) for Scheduled Commercial Banks and ₹19114817.38 for All Scheduled Banks.
* Loans, cash credits & overdrafts: ₹18305425.87 (August 22, 2025) for Scheduled Commercial Banks and ₹18773136.20 for All Scheduled Banks.
* Inland Bills purchased: ₹78196.90 (August 22, 2025) for Scheduled Commercial Banks and ₹78570.66 for All Scheduled Banks.
* Inland Bills discounted: ₹227082.71 (August 22, 2025) for Scheduled Commercial Banks and ₹228244.63 for All Scheduled Banks.
* Foreign Bills purchased: ₹12832.88 (August 22, 2025) for Scheduled Commercial Banks and ₹13052.64 for All Scheduled Banks.
* Foreign Bills discounted: ₹21458.88 (August 22, 2025) for Scheduled Commercial Banks and ₹21813.24 for All Scheduled Banks.
* **Food Credit Outstanding (Amount in crore):**
* Scheduled Commercial Banks: ₹50455.85 (August 22, 2025)
* Scheduled Cooperative Banks: ₹51974.00 (August 22, 2025)
* **Number of Scheduled Commercial Banks:**
* 121 as on the current fortnight.
**Impact Analysis:**
**Scheduled Commercial Banks, RRBs, SFBs and PBs:**
* **Impact:** Banks need to assess their financial position against the reported figures, particularly concerning liabilities, assets, and credit portfolios. The data is crucial for regulatory compliance and internal financial planning.
* **Action Required:** Review their current financial strategies and ensure alignment with the trends and benchmarks indicated in the statement. Banks that have submitted provisional figures should submit final figures.
**Reserve Bank of India (RBI):**
* **Impact:** The RBI uses this data for monitoring the health and stability of the Indian banking system, formulating monetary policies, and ensuring regulatory compliance.
* **Action Required:** Analyze the reported data to inform policy decisions and regulatory actions.
**Government and Regulatory Bodies:**
* **Impact:** These entities use the data to understand the flow of credit, the financial health of banks, and the overall economic situation, which aids in policy formulation and economic planning.
* **Action Required:** Utilize the data to refine economic policies and regulatory frameworks.
**Public and Investors:**
* **Impact:** The public and investors can use this information to understand the stability and performance of the banking sector, influencing investment decisions and economic confidence.
* **Action Required:** Review the statement to understand the current state of the banking sector.
Key Entities Referenced
Reserve Bank of India: The central bank of India, also referred to as RBI.
Scheduled Banks: Refers to banks listed in the Second Schedule to the Reserve Bank of India Act, 1934.
Scheduled Commercial Banks: A category of banks in India that are listed in the Second Schedule of the Reserve Bank of India Act, 1934.
RRBs: Refers to Regional Rural Banks in India.
SFBs: Refers to Small Finance Banks in India.
PBs: Refers to Payment Banks in India.
Reserve Bank of India Act, 1934: An act that governs the Reserve Bank of India.
Malegam Committee: A committee formed to Review the Format of Balance Sheet and the Profit and Loss Account of the Bank.
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
September 04, 2025
Scheduled Banks’ Statement of Position in India as on Friday, August 22, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs,SFBs and PBs)
23-Aug-2024 08-Aug-2025* 22-Aug-2025* 23-Aug-2024 08-Aug-2025* 22-Aug-2025*
I LIABILITIES TO THE
BKG.SYSTEM (A)
a) Demand & Time deposits from
294896.40 341956.14 347696.65 298809.39 349533.41 355276.68**
banks
b) Borrowings from banks 126681.45 100840.03 100383.06 126693.70 100849.93 100411.43
c) Other demand & time liabilities 77788.82 25575.23 24565.88 78091.77 26106.50 25090.82
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from
21325126.04 23472137.28 23504100.92 21775041.27 23968256.28 23999120.05
banks)
i) Demand 2446039.12 2846729.65 2891681.20 2494144.42 2896797.90 2941483.87
ii) Time 18879086.92 20625407.63 20612419.72 19280896.86 21071458.38 21057636.19
b) Borrowings @ 911376.92 839842.19 862408.87 915625.17 844291.84 866787.67
c) Other demand & time liabilities 930737.99 1025627.20 1032985.49 943567.75 1039777.98 1047225.90
III BORROWINGS FROM R.B.I. (B) 6708.00 4352.00 1818.00 6708.00 4352.00 1818.00
Against usance bills and / or
prom. Notes
IV CASH 96191.04 77656.28 83847.17 98692.89 80311.33 86450.96
V BALANCES WITH R.B.I. (B) 960220.32 926801.53 932900.01 980052.53 946214.94 951890.51
VI ASSETS WITH BANKING
SYSTEM
a) Balances with other banks
i) In current accounts 10221.58 11316.60 21156.66 12893.33 13464.72 23376.45
ii) In other accounts 197605.15 248136.47 251445.26 243227.62 308751.31 312374.95
b) Money at call & short notice 16565.34 16804.19 15580.94 26946.55 35803.61 34331.63
c) Advances to banks (i.e. due
43551.38 26294.89 28221.07 44373.32 27765.93 29528.77£
from bks.)
d) Other assets 124693.42 72533.15 55543.11 128034.87 77772.98 61019.57
VII INVESTMENTS ( At book value ) 6365486.88 6750168.11 6758461.14 6516536.35 6914729.03 6924210.30
a) Central & State Govt.
6365128.40 6749709.09 6758002.12 6508457.60 6905350.35 6915036.57
securities+
b) Other approved securities 358.48 459.01 459.01 8078.75 9378.68 9173.73
VIII BANK CREDIT (Excluding Inter-
16945308.62 18606166.74 18644997.25 17382992.90 19074853.96 19114817.38
Bank Advances)
a) Loans, cash credits &
16636047.05 18268385.20 18305425.87 17070664.91 18734762.99 18773136.20
Overdrafts $
b) Inland Bills purchased 66753.62 77796.11 78196.90 68163.31 78254.21 78570.66
c) Inland Bills discounted 204585.34 224929.15 227082.71 205703.35 226181.93 228244.63
d) Foreign Bills purchased 16267.13 13192.40 12832.88 16447.88 13416.63 13052.64
e) Foreign Bills discounted 21655.48 21863.88 21458.88 22013.45 22238.21 21813.242
NOTE
* Provisional figures incorporated in respect of such banks as have not been able to submit final figures.
(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 23-Aug-2024 08-Aug-2025 22-Aug-2025
Scheduled Commercial Banks 24360.63 52281.34 50455.85
Scheduled Co-operative Banks 50620.30 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
Ajit Prasad
Press Release: 2025-2026/1034 Deputy General Manager
(Communications)