**Executive Summary**
This is a press release by the Reserve Bank of India (RBI), dated October 17, 2025, containing the Scheduled Banks' Statement of Position in India as on Friday, October 03, 2025. It details the liabilities and assets of All Scheduled Banks and Scheduled Commercial Banks. It includes data from October 4, 2024, September 19, 2025, and October 3, 2025.
**Key Points / Main Content**
* **Liabilities and Assets of Scheduled Banks:**
* The statement presents a detailed breakdown of the liabilities and assets of scheduled banks in India.
* **Liabilities to the Banking System (A):**
* Includes demand & time deposits from banks, borrowings from banks, and other demand & time liabilities.
* **Liabilities to Others (A):**
* Includes deposits (other than from banks), borrowings, and other demand & time liabilities.
* **Borrowings from R.B.I. (B):**
* Details borrowings from the Reserve Bank of India.
* **Assets:**
* Cash, Balances with RBI, Assets with the Banking System, Investments, and Bank Credit.
* **Bank Credit (Excluding Inter-Bank Advances):**
* Includes loans, cash credits & overdrafts, and bills purchased/discounted (inland and foreign).
* **Additional Notes**
* Figures may be provisional for some banks.
* Demand and Time Liabilities do not include borrowings of any Scheduled State Co-operative Bank from State Government
* **Food Credit Outstanding**
* Reports on food credit outstanding for Scheduled Commercial Banks and Scheduled Co-operative Banks on 04-Oct-2024, 19-Sep-2025, and 03-Oct-2025
* **Number of Banks**
* 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**
**Stakeholder: Reserve Bank of India (RBI)**
* **Impact:** The RBI publishes this statement as part of its regulatory and monitoring functions over the banking sector.
* **Action Required:** Review and analyse the data to assess the overall health and stability of the scheduled banks.
**Stakeholder: Scheduled Commercial Banks, Scheduled State Co-operative Banks, and Scheduled Primary (Urban) Co-operative Banks**
* **Impact:** These banks are required to report their financial positions, which are then compiled into this statement.
* **Action Required:** Banks should review the press release to understand the aggregate trends and compare their performance against industry benchmarks.
**Stakeholder: Government and Policymakers**
* **Impact:** The statement provides insights into the lending activities and financial stability of banks, which can inform policy decisions.
* **Action Required:** Analyse the data to assess the credit flow to various sectors and formulate policies to address any imbalances or concerns.
**Stakeholder: Investors and Analysts**
* **Impact:** The statement offers key financial data that can be used to assess the performance and stability of the banking sector.
* **Action Required:** Analyse the data to make informed investment decisions and assess the risk associated with different banks.
Key Entities Referenced
Scheduled Commercial Banks: Banks listed in the Second Schedule to the Reserve Bank of India Act, 1934 and engaged in commercial banking activities. Includes Regional Rural Banks (RRBs), Small Finance Banks (SFBs), and Payment Banks (PBs).
Reserve Bank of India (RBI): India's central bank, responsible for monetary policy and regulation of the banking system. The statement includes borrowings from RBI and balances with RBI.
All Scheduled Banks: Encompasses all banks listed in the Second Schedule to the Reserve Bank of India Act, 1934. Likely includes Scheduled Commercial Banks.
Reserve Bank of India Act, 1934: The legislation that established the Reserve Bank of India and grants it the authority to regulate the Indian banking system. Referred to concerning definition of 'Banking System'.
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)