**Executive Summary**
This document is a press release from the Reserve Bank of India, dated December 26, 2025. It presents the Scheduled Banks' Statement of Position in India as of December 12, 2025, compared to December 13, 2024, and November 28, 2025. The statement includes data for all scheduled commercial banks, including Regional Rural Banks (RRBs), Small Finance Banks (SFBs), and Payments Banks (PBs).
**Key Points / Main Content**
* **Statement of Position**: This document provides a snapshot of the financial position of Scheduled Banks in India.
* **Scheduled Banks Coverage**: The statement includes data from all scheduled commercial banks, including RRBs, SFBs, and PBs.
* **Comparative Data**: The report presents data for three specific dates: December 13, 2024, November 28, 2025, and December 12, 2025.
* **Key Components of Liabilities**:
* Liabilities to the Banking System.
* Liabilities to Others (primarily deposits).
* Borrowings from the Reserve Bank of India (RBI).
* **Key Components of Assets**:
* Cash.
* Balances with RBI.
* Assets with the Banking System.
* Investments (at book value).
* Bank Credit (excluding Inter-Bank Advances).
* **Data on Food Credit Outstanding**:
* The report includes data on food credit outstanding as of December 13, 2024, November 28, 2025, and December 12, 2025, for both Scheduled Commercial Banks and Scheduled Co-operative Banks.
* **Number of Banks**:
* The number of Scheduled Commercial Banks as of the current fortnight is 121.
* The number of Scheduled State Co-operative Banks as of the current fortnight is 24.
* The number of Scheduled Primary(Urban) Co-operative Banks as of the current fortnight is 52.
**Impact Analysis**
**RBI (Reserve Bank of India)**
* **Impact**: The RBI is the source and publisher of this data.
* **Action Required**: To continue monitoring and disseminating the financial position of scheduled banks.
**Scheduled Commercial Banks, RRBs, SFBs, and PBs**
* **Impact**: Banks must submit accurate and timely data for inclusion in the statement.
* **Action Required**: Ensure accurate reporting of financial data to the RBI.
**Financial Analysts, Economists, and General Public**
* **Impact**: These stakeholders can use the information for financial analysis, economic forecasting, and general awareness.
* **Action Required**: Analyze the data to understand trends and patterns in the banking sector.
**Government and Regulatory Bodies**
* **Impact**: The report provides insights for policy formulation and regulatory oversight.
* **Action Required**: Utilize the data for informed decision-making related to the banking sector.
Key Entities Referenced
Reserve Bank of India Act, 1934: Referenced for the definition of 'Banking System' or 'Banks' in relation to statutory reserve requirements.
Scheduled Commercial Banks: Entities primarily regulated, and data collected for statistical analysis within the document.
Reserve Bank of India: Regulator and source of borrowings/balances for scheduled commercial banks.
Scheduled State Co-operative Banks: Related entities whose interactions and deposits influence reported liabilities.
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
December 26, 2025
Scheduled Banks’ Statement of Position in India as on Friday, December 12, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
13-Dec-2024 28-Nov-2025* 12-Dec-2025* 13-Dec-2024 28-Nov-2025* 12-Dec-2025*
I LIABILITIES TO THE BKG.SYSTEM (A)
a) Demand & Time deposits from banks 310793.89 322855.52 308250.18 315564.52 330192.04 315428.19**
b) Borrowings from banks 131991.65 78658.89 81098.47 132026.65 78790.89 81166.47
c) Other demand & time liabilities 24423.19 31092.93 33036.68 24724.99 31559.27 33573.84
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from banks) 22067643.54 24260054.93 24214710.80 22525491.06 24808631.87 24724681.17
i) Demand 2609721.73 3013417.05 2935319.73 2658233.40 3066260.45 2986434.34
ii) Time 19457921.81 21246637.88 21279391.07 19867257.66 21742371.41 21738246.84
b) Borrowings @ 866934.53 879199.45 882495.75 871445.25 884674.14 887543.43
c) Other demand & time liabilities 1143637.66 1055135.43 1105258.16 1156733.92 1071770.27 1121344.21
III BORROWINGS FROM R.B.I. (B) 108704.00 2144.00 2154.00 108704.00 2144.00 2154.00
Against usance bills and / or prom. Notes
IV CASH 83977.85 82870.50 83754.84 86328.50 85573.87 86201.65
V BALANCES WITH R.B.I. (B) 986172.40 778275.12 720537.58 1006614.94 794131.05 735340.83
VI ASSETS WITH BANKING SYSTEM
a) Balances with other banks
i) In current accounts 29461.51 8538.15 10440.97 32033.73 10658.24 12110.30
ii) In other accounts 194932.33 256554.60 251489.08 246450.87 322879.93 313392.78
b) Money at call & short notice 22466.13 36427.10 28475.81 35121.39 58421.60 45767.25
c) Advances to banks (i.e. due from bks.) 40659.31 32470.31 33791.29 41482.93 33165.21 34654.03£
d) Other assets 61974.66 72082.55 60443.46 65220.15 81300.15 66141.85
VII INVESTMENTS (At book value) 6556946.66 6886471.97 6885776.86 6707834.80 7067574.03 7054985.56
a) Central & State Govt. securities+ 6556442.20 6886016.76 6885322.78 6699742.93 7057467.82 7045000.33
b) Other approved securities 504.46 455.21 454.08 8091.88 10106.21 9985.23
BANK CREDIT (Excluding Inter-Bank
VIII 17586881.31 19529443.34 19649972.02 18038725.58 20072345.50 20136804.59
Advances
a) Loans, cash credits & Overdrafts $ 17273992.71 19157525.72 19271788.36 17722664.81 19698574.87 19756755.05
b) Inland Bills purchased 67060.49 88731.87 89454.36 68504.00 88953.49 89662.35
c) Inland Bills discounted 207809.17 248008.24 252828.06 208936.70 249024.30 253874.35
d) Foreign Bills purchased 16704.69 12952.99 12904.48 16932.44 13188.23 13133.01
e) Foreign Bills discounted 21314.25 22224.50 22996.75 21687.63 22604.60 23379.832
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 13-Dec-2024 28-Nov-2025 12-Dec-2025
Scheduled Commercial Banks 52306.66 79801.03 83263.62
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: 2025-2026/1778 Deputy General Manager
(Communications)