**Executive Summary**
This report presents the scheduled banks' statement of position in India as of November 14, 2025, compared to October 31, 2025, and November 15, 2024. The data includes liabilities and assets of scheduled commercial banks, including RRBs, SFBs, and PBs, as well as all scheduled banks. It details various financial instruments and transactions.
**Key Points / Main Content**
* **Liabilities to the Banking System (A):**
* Demand & Time deposits from banks: ₹350944.60 crore.
* Borrowings from banks: ₹81533.54 crore.
* Other demand & time liabilities: ₹26997.34 crore.
* **Liabilities to Others (A):**
* Deposits (other than from banks): ₹24093532.15 crore.
* Demand: ₹2991665.59 crore.
* Time: ₹21101866.56 crore.
* Borrowings: ₹834189.33 crore.
* Other demand & time liabilities: ₹1026265.47 crore.
* **Borrowings from R.B.I. (B):** ₹2158.00 crore.
* **Cash:** ₹86122.30 crore.
* **Balances with R.B.I. (B):** ₹782079.63 crore.
* **Assets with Banking System:**
* Balances with other banks:
* In current accounts: ₹20320.27 crore.
* In other accounts: ₹258636.43 crore.
* Money at call & short notice: ₹26583.20 crore.
* Advances to banks (i.e. due from bks.): ₹32235.39 crore.
* Other assets: ₹63276.79 crore.
* **Investments (At book value):** ₹6835685.39 crore.
* Central & State Govt. securities+: ₹6835230.18 crore.
* Other approved securities: ₹455.21 crore.
* **Bank Credit (Excluding Inter-Bank Advances):** ₹19345790.37 crore.
* Loans, cash credits & Overdrafts $: ₹18979725.93 crore.
* Inland Bills purchased: ₹87206.51 crore.
* Inland Bills discounted: ₹244017.79 crore.
* Foreign Bills purchased: ₹12903.60 crore.
* Foreign Bills discounted: ₹21936.54 crore.
* **Food Credit Outstanding as on 14-Nov-2025:**
* Scheduled Commercial Banks: ₹79191.01 crore
* Scheduled Co-operative Banks: ₹51974.00 crore
**Impact Analysis**
**Scheduled Commercial Banks:**
* **Impact:** Banks need to adhere to the reported financial positions and ensure compliance with RBI guidelines. The information in this report is used for regulatory oversight and financial stability assessment.
* **Action Required:** Banks should compare their financial positions with these reported figures and make necessary adjustments to ensure accurate reporting and compliance with regulatory requirements.
**Reserve Bank of India (RBI):**
* **Impact:** The RBI uses this information to monitor the health and stability of the banking sector, formulate monetary policy, and ensure regulatory compliance.
* **Action Required:** The RBI will use this data to assess the current state of the banking system, identify potential risks, and take appropriate measures to maintain financial stability.
Key Entities Referenced
Scheduled Banks: Banks that are included in the Second Schedule to the Reserve Bank of India Act, 1934.
Reserve Bank of India Act, 1934: The Act governing the Reserve Bank of India and its functions related to scheduled banks.
Scheduled Commercial Banks: A subset of scheduled banks, including RRBs, SFBs, and PBs.
Reserve Bank of India (RBI): The central bank of India.
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)