**Executive Summary**
This document is a press release from the Reserve Bank of India (RBI) presenting the scheduled banks' statement of position in India as of November 14, 2025. It details the liabilities and assets of scheduled commercial banks and all scheduled banks. It includes a comparison with data from October 31, 2025, and November 15, 2024.
**Key Points / Main Content**
* **Data Presentation:** The document provides data on the financial position of scheduled banks in India, with figures presented in crores.
* **Liabilities:**
* Includes liabilities to the banking system and liabilities to others, broken down into demand and time deposits, borrowings, and other liabilities.
* Excludes borrowings of any Scheduled State Co-operative Bank from State Government.
* **Assets:**
* Details assets with the banking system, including balances with other banks, money at call and short notice, and advances to banks.
* Reports investments at book value, including Central & State Government securities and other approved securities.
* Lists bank credit (excluding inter-bank advances), with breakdowns for loans, cash credits, overdrafts, and various types of bills.
* **Food Credit:**
* Includes data on food credit outstanding as on November 15, 2024, October 31, 2025, and November 14, 2025, for both Scheduled Commercial Banks and Scheduled Co-operative Banks.
* **Number of Banks:**
* Provides the number of Scheduled Commercial Banks (121), Scheduled State Co-operative Banks (24), and Scheduled Primary (Urban) Co-operative Banks (51) as of the current fortnight.
**Impact Analysis**
**Scheduled Commercial Banks, RRBs, SFBs and PBs**
* **Impact:** Banks need to analyze the data provided by RBI to understand their current financial standing compared to the overall banking sector. They also need to ensure compliance with reporting standards.
* **Action Required:** Use the information to benchmark their performance, make strategic adjustments to their balance sheets, and report their own financial positions accurately.
**Reserve Bank of India (RBI)**
* **Impact:** The RBI uses the aggregated data to monitor the health and stability of the banking system.
* **Action Required:** RBI will use the data to inform monetary policy decisions, regulatory oversight, and potential interventions to maintain financial stability.
**General Public/Economy**
* **Impact:** The general public and the economy are indirectly affected as this data influences the stability and lending capacity of the banking sector.
* **Action Required:** No direct action is required. However, this data helps to understand the overall economic environment.
Key Entities Referenced
Scheduled Commercial Banks: Banks including RRBs, SFBs, and PBs, whose financial position is reported.
Reserve Bank of India Act, 1934: Referenced in the context of borrowings against usance bills and/or promissory notes under Section 17(4)(c) and the definition of 'Banking System'.
Reserve Bank of India: Central bank, whose borrowings from scheduled commercial banks and balances with the banks are reported.
Scheduled Co-operative Banks: Co-operative banks included in the scheduled banks whose financial position is reported.
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
November 28, 2025
Scheduled Banks’ Statement of Position in India as on Friday, November 14, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
15-Nov-2024 31-Oct-2025* 14-Nov-2025* 15-Nov-2024 31-Oct-2025* 14-Nov-2025*
LIABILITIES TO THE BKG.SYSTEM (A)
I
a) Demand & Time deposits from banks 286037.41 324591.97 350944.60 291221.79 331728.86 357866.58**
b) Borrowings from banks 135263.61 85106.05 81533.54 135338.08 85106.05 81560.54
c) Other demand & time liabilities 24650.32 27465.23 26997.34 25006.84 27925.58 27514.50
LIABILITIES TO OTHERS (A)
II
a) Deposits (other than from banks) 21855889.59 24175756.75 24093532.15 22314098.93 24679610.93 24599688.85
i) Demand 2515557.57 3100947.18 2991665.59 2564705.40 3151638.47 3043613.08
ii) Time 19340332.01 21074809.57 21101866.56 19749393.53 21527972.46 21556075.77
b) Borrowings @ 917363.37 846240.52 834189.33 922249.20 850802.29 839569.29
c) Other demand & time liabilities 940982.91 1082767.80 1026265.47 953642.91 1097733.38 1040259.67
BORROWINGS FROM R.B.I. (B) 6623.00 5489.00 2158.00 6623.00 5489.00 2158.00
III
Against usance bills and / or prom. Notes
CASH 93859.31 87562.69 86122.30 96684.46 90383.21 88926.70
IV
BALANCES WITH R.B.I. (B) 1008450.08 842947.33 782079.63 1028476.42 859920.63 797972.56
V
ASSETS WITH BANKING SYSTEM
VI
a) Balances with other banks
i) In current accounts 10362.31 16006.40 20320.27 12744.14 19796.47 22404.41
ii) In other accounts 200948.33 230571.74 258636.43 253091.15 292554.82 321533.40
b) Money at call & short notice 21727.32 15789.94 26583.20 32724.41 32903.58 45819.95
c) Advances to banks (i.e. due from bks.) 41121.94 32718.97 32235.39 41742.16 33544.84 33043.39£
d) Other assets 61143.48 63912.89 63276.79 64357.20 69753.34 69070.94
INVESTMENTS (At book value) 6489976.58 6889909.94 6835685.39 6642777.06 7058967.66 7004339.17
VII
a) Central & State Govt. securities+ 6489396.98 6889414.73 6835230.18 6634646.87 7049262.88 6994490.38
b) Other approved securities 579.61 495.21 455.21 8130.18 9704.78 9848.78
BANK CREDIT (Excluding Inter-Bank 17362817.85 19393655.36 19345790.37 17818720.57 19876053.65 19829071.67
VIII
Advances)
a) Loans, cash credits & Overdrafts $ 17056611.75 19029402.61 18979725.93 17509383.09 19510007.77 19461179.20
b) Inland Bills purchased 66847.24 85940.80 87206.51 68281.68 86157.37 87431.49
c) Inland Bills discounted 202787.32 243555.66 244017.79 203878.53 244556.61 245034.16
d) Foreign Bills purchased 15011.36 12717.27 12903.60 15257.10 12903.98 13126.31
e) Foreign Bills discounted 21560.19 22039.02 21936.54 21920.16 22427.92 22300.502
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 15-Nov-2024 31-Oct-2025 14-Nov-2025
Scheduled Commercial Banks 45156.71 70371.31 79191.01
Scheduled Co-operative Banks 50617.45 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: 51
Ajit Prasad
Press Release: 2025-2026/1576 Deputy General Manager
(Communications)