**Executive Summary**
This document is a press release by the Reserve Bank of India, dated October 17, 2025, presenting the Scheduled Banks' Statement of Position in India as of Friday, October 03, 2025. It compares the financial positions of Scheduled Commercial Banks and All Scheduled Banks on October 04, 2024, September 19, 2025, and October 03, 2025. The statement includes data on liabilities, assets, investments, and bank credit.
**Key Points / Main Content**
* **Liabilities to the Banking System (A):**
* Demand & Time deposits from banks.
* Borrowings from banks.
* Other demand & time liabilities.
* **Liabilities to Others (A):**
* Deposits (other than from banks).
* Demand.
* Time.
* Borrowings @.
* Other demand & time liabilities.
* **Borrowings from R.B.I. (B):**
* Against usance bills and / or prom. Notes.
* **Cash:**
* **Balances with R.B.I. (B):**
* **Assets with Banking System:**
* Balances with other banks.
* In current accounts.
* In other accounts.
* Money at call & short notice.
* Advances to banks (i.e. due from bks.).
* Other assets.
* **Investments (At book value):**
* Central & State Govt. securities+.
* Other approved securities.
* **Bank Credit (Excluding Inter-Bank Advances):**
* Loans, cash credits & Overdrafts $.
* Inland Bills purchased.
* Inland Bills discounted.
* Foreign Bills purchased.
* Foreign Bills discounted.
* **Food Credit Outstanding:** Comparative data as of 04-Oct-2024, 19-Sep-2025, and 03-Oct-2025 for:
* Scheduled Commercial Banks.
* Scheduled Co-operative Banks.
* **Additional Information:**
* Number of Scheduled Commercial Banks: 121.
* Number of Scheduled State Co-operative Banks: 24.
* Number of Scheduled Primary(Urban) Co-operative Banks: 51.
**Impact Analysis**
**Scheduled Commercial Banks**
* **Impact:** Affected by the statement of position, which details their liabilities, assets, and credit. This statement is crucial for understanding their financial health and compliance with regulatory requirements.
* **Action Required:** Ensure accuracy in reporting and compliance with the guidelines to avoid penalties or regulatory action.
**Scheduled Co-operative Banks**
* **Impact:** Their liabilities, assets, and credit are included in the overall banking system figures. This information is important for assessing the cooperative banking sector's contribution to the Indian economy.
* **Action Required:** Ensure accurate reporting and compliance with regulations to maintain stability and public trust.
**Reserve Bank of India (RBI)**
* **Impact:** The RBI uses this data to monitor the health of the Indian banking system, formulate monetary policy, and ensure financial stability.
* **Action Required:** Analyze the data to identify trends, assess risks, and implement appropriate regulatory measures.
**Government and Regulatory Bodies**
* **Impact:** The government uses this data for policy-making related to the financial sector and the overall economy.
* **Action Required:** Use the information to guide financial sector reforms, economic planning, and budget allocation.
**General Public/Investors**
* **Impact:** The public and investors can use this statement to gain insights into the stability and performance of the banking sector, which informs investment decisions and public confidence in the financial system.
* **Action Required:** Monitor trends in the banking sector to make informed decisions about savings, investments, and borrowing.
Key Entities Referenced
Reserve Bank of India: India's central bank; the primary regulator and issuer of this financial statement.
Scheduled Commercial Banks: Banks listed in the Second Schedule to the Reserve Bank of India Act, 1934, including RRBs, SFBs, and PBs, whose positions are summarized.
Reserve Bank of India Act, 1934: The act under which the Reserve Bank of India operates and under which banks are scheduled.
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
October 17, 2025
Scheduled Banks’ Statement of Position in India as on Friday, October 03, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
04-Oct-2024 19-Sep-2025* 03-Oct-2025* 04-Oct-2024 19-Sep-2025* 03-Oct-2025*
I
LIABILITIES TO THE BKG.SYSTEM (A)
a) Demand & Time deposits from banks 287920.78 319607.38 318430.38 292252.74 327583.51 326733.06**
b) Borrowings from banks 127899.61 84796.98 84733.28 127950.17 84841.98 84761.78
c) Other demand & time liabilities 22225.29 27486.35 28435.54 22565.39 27991.42 28945.86
II
LIABILITIES TO OTHERS (A)
a) Deposits (other than from banks) 21920126.24 23546511.16 24098426.61 22376920.47 24043775.46 24599556.15
i) Demand 2591897.61 2861501.35 3072654.41 2640971.10 2911364.02 3124549.36
ii) Time 19328228.63 20685009.81 21025772.20 19735949.37 21132411.45 21475006.79
b) Borrowings @ 855737.85 858522.90 855825.53 860182.85 863268.40 860350.43
c) Other demand & time liabilities 968037.77 1074425.17 1049845.22 980475.79 1090040.28 1064326.03
III BORROWINGS FROM R.B.I. (B) 7076.00 57401.00 1512.00 7076.00 57401.00 1512.00
Against usance bills and / or prom. Notes
IV CASH 96179.80 81405.13 89906.27 98829.57 84167.25 92795.61
V BALANCES WITH R.B.I. (B) 985504.19 884937.44 883595.63 1005549.79 902838.89 901695.15
VI
ASSETS WITH BANKING SYSTEM
a) Balances with other banks
i) In current accounts 9434.38 8278.42 9366.77 12195.06 10544.24 11551.73
ii) In other accounts 185300.64 232361.71 224719.10 234510.66 292710.94 285101.63
b) Money at call & short notice 17395.96 14110.15 24184.62 30651.09 33943.03 42515.90
c) Advances to banks (i.e. due from bks.) 43797.31 31240.78 29464.80 44475.86 32252.94 30421.95£
d) Other assets 64171.04 64462.09 58155.34 67364.99 69844.69 63788.14
VII INVESTMENTS (At book value) 6457951.44 6846280.72 6876445.06 6610366.72 7014991.39 7044885.00
a) Central & State Govt. securities+ 6457271.83 6845761.70 6875867.85 6601538.59 7005118.49 7035123.88
b) Other approved securities 679.61 519.01 577.21 8828.13 9872.90 9761.12
BANK CREDIT (Excluding Inter-Bank
VIII 17297778.17 18902860.72 19266106.61 17745464.05 19377624.08 19745192.75
Advances)
a) Loans, cash credits & Overdrafts $ 16976648.25 18554326.65 18900094.48 17421102.27 19027268.63 19377421.49
b) Inland Bills purchased 69722.05 79645.54 85683.56 71209.88 79890.02 85911.91
c) Inland Bills discounted 213410.68 234482.63 243749.42 214529.15 235494.18 244726.40
d) Foreign Bills purchased 15808.95 12636.06 13957.09 16040.91 12846.08 14160.66
e) Foreign Bills discounted 22188.24 21769.83 22622.05 22581.85 22125.17 22972.292
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 04-Oct-2024 19-Sep-2025 03-Oct-2025
Scheduled Commercial Banks 17801.37 45284.14 42659.30
Scheduled Co-operative Banks 49701.91 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: 2025-2026/1338 Deputy General Manager
(Communications)