**Executive Summary**
This report presents the Scheduled Banks' Statement of Position in India as of December 12, 2025. It compares data with December 13, 2024, and November 28, 2025. The report details liabilities, assets, investments, and bank credit, offering a snapshot of the financial standings and activities of scheduled commercial banks, including Regional Rural Banks (RRBs), Small Finance Banks (SFBs), and Payments Banks (PBs).
**Key Points / Main Content**
* **Liabilities to the Banking System:**
* Demand & Time deposits from banks: ₹308250.18 crore.
* Borrowings from banks: ₹81098.47 crore.
* Other demand & time liabilities: ₹33036.68 crore.
* **Liabilities to Others:**
* Deposits (other than from banks): ₹24214710.80 crore.
* Demand: ₹2935319.73 crore.
* Time: ₹21279391.07 crore.
* Borrowings: ₹882495.75 crore.
* Other demand & time liabilities: ₹1105258.16 crore.
* **Borrowings from R.B.I.:** ₹2154.00 crore.
* **Cash:** ₹83754.84 crore.
* **Balances with R.B.I.:** ₹720537.58 crore.
* **Assets with Banking System:**
* Balances with other banks:
* In current accounts: ₹10440.97 crore.
* In other accounts: ₹251489.08 crore.
* Money at call & short notice: ₹28475.81 crore.
* Advances to banks (i.e. due from banks): ₹33791.29 crore.
* Other assets: ₹60443.46 crore.
* **Investments (At book value):** ₹6885776.86 crore.
* Central & State Govt. securities: ₹6885322.78 crore.
* Other approved securities: ₹454.08 crore.
* **Bank Credit (Excluding Inter-Bank Advances):** ₹19649972.02 crore.
* Loans, cash credits & Overdrafts: ₹19271788.36 crore.
* Inland Bills purchased: ₹89454.36 crore.
* Inland Bills discounted: ₹252828.06 crore.
* Foreign Bills purchased: ₹12904.48 crore.
* Foreign Bills discounted: ₹22996.75 crore.
* **Food Credit Outstanding:**
* Scheduled Commercial Banks: ₹83263.62 crore.
* Scheduled Co-operative Banks: ₹51974.00 crore.
* **Number of Banks:**
* Scheduled Commercial Banks: 121
* Scheduled State Co-operative Banks: 24
* Scheduled Primary (Urban) Co-operative Banks: 52
**Impact Analysis**
**Stakeholder: Reserve Bank of India**
* **Impact**: The RBI can use this data to assess the financial health and stability of scheduled banks and adjust monetary policy as needed.
* **Action Required**: Analyze the trends and figures presented in the statement to inform policy decisions.
**Stakeholder: Scheduled Commercial Banks**
* **Impact**: The statement allows individual banks to benchmark their performance against the aggregate and identify areas for improvement.
* **Action Required**: Review their financial position in relation to the overall figures to identify strengths, weaknesses, and areas needing adjustment.
**Stakeholder: Investors/Financial Analysts**
* **Impact**: The statement provides insights into the banking sector's performance, aiding investment decisions.
* **Action Required**: Utilize the data to evaluate the attractiveness of investing in specific banks or the banking sector as a whole.
**Stakeholder: General Public/Depositors**
* **Impact**: The statement contributes to transparency regarding the banking system's stability, which can impact public confidence.
* **Action Required**: Stay informed about the overall health of the banking sector to make informed decisions about where to deposit their funds.
Key Entities Referenced
Scheduled Commercial Banks: Banks listed in the Second Schedule to the Reserve Bank of India Act, 1934 and including Regional Rural Banks (RRBs), Small Finance Banks (SFBs) and Payments Banks (PBs).
Reserve Bank of India Act, 1934: The primary legislation governing the Reserve Bank of India (RBI) and its functions, including provisions related to scheduled banks and banking regulations.
Reserve Bank of India (RBI): The central bank of India; mentioned as the regulator and source of borrowings for scheduled banks.
Food Credit: Outstanding advances granted to Public Food Procurement Agencies by 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
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)