**Executive Summary**
This press release from the Reserve Bank of India, dated October 30, 2025, provides a summary of the scheduled banks' statement of position in India as of Friday, October 17, 2025. It compares data from October 3, 2025, and October 18, 2024. It includes details of liabilities, assets, investments, and bank credit, and also includes food credit outstanding figures as of the referenced dates.
**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) are further broken down by:
* Demand
* Time
* Borrowings @.
* Other demand & time liabilities.
* **Borrowings from R.B.I. (B):**
* Against usance bills and / or prom. Notes.
* **Assets:**
* 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 as on**
* Scheduled Commercial Banks
* Scheduled Co-operative Banks
* Number of Banks as of Current Fortnight:
* Scheduled Commercial Banks: 121
* Scheduled State Co-operative Banks: 24
* Scheduled Primary (Urban) Co-operative Banks: 51
**Impact Analysis**
**Stakeholder: Scheduled Commercial Banks, RRBs, SFBs, and PBs**
* **Impact:** The statement reflects their financial positions, including liabilities, assets, investments, and credit portfolios. It provides a comparative overview of their performance over the past year.
* **Action Required:** Banks need to review the statement to assess their financial health, identify areas for improvement, and ensure compliance with regulatory requirements.
**Stakeholder: Reserve Bank of India (RBI)**
* **Impact:** Provides the RBI with a consolidated view of the banking sector's financial position, enabling informed decision-making related to monetary policy and regulatory oversight.
* **Action Required:** The RBI uses this data to analyze trends, identify potential risks, and formulate appropriate policy responses to maintain financial stability.
**Stakeholder: Other Financial Institutions and Analysts**
* **Impact:** The statement offers insights into the overall health and performance of the banking sector, which can influence investment decisions, credit risk assessments, and economic forecasts.
* **Action Required:** Analysts need to analyze the data to understand the trends in the banking sector and assess their potential impact on the economy.
Key Entities Referenced
Reserve Bank of India Act, 1934: Referenced in relation to borrowings against usance bills and/ or promissory notes under Section 17(4) (c)
Scheduled Commercial Banks: Primary subject of the statement of position, includes RRBs, SFBs and PBs
Reserve Bank of India: Referenced in relation to borrowings in India from Reserve Bank and balances with Reserve Bank
Scheduled State Co-operative Banks: Referenced in connection with the loans they make to Co-operative banks.
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 30, 2025
Scheduled Banks’ Statement of Position in India as on Friday, October 17, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs,SFBs and PBs)
18-Oct-2024 03-Oct-2025* 17-Oct-2025* 18-Oct-2024 03-Oct-2025* 17-Oct-2025*
I LIABILITIES TO THE
BKG.SYSTEM (A)
a) Demand & Time deposits from
294002.82 319163.07 317202.13 298612.42 327465.76 324259.03**
banks
b) Borrowings from banks 130776.35 83912.67 84168.72 130806.35 83950.17 84176.79
c) Other demand & time liabilities 23257.12 28434.61 27974.02 23586.00 28935.93 28479.29
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from
21808331.70 24098640.72 23883278.16 22265168.18 24599770.27 24388213.53
banks)
i) Demand 2544607.58 3071595.75 2973154.97 2593125.83 3123490.70 3025096.75
ii) Time 19263724.12 21027044.97 20910123.19 19672042.35 21476279.57 21363116.78
b) Borrowings @ 865397.29 855929.85 860992.93 870010.33 860454.75 865861.41
c) Other demand & time liabilities 950616.19 1046840.33 1097737.51 962163.26 1061321.14 1113126.19
III BORROWINGS FROM R.B.I. (B) 7756.00 1512.00 8733.00 7756.00 1512.00 8733.00
Against usance bills and / or
prom. Notes
IV CASH 91268.52 90079.63 87638.21 93865.07 92968.97 90689.93
V BALANCES WITH R.B.I. (B) 984540.95 883595.63 827461.41 1004271.57 901695.15 844435.84
VI ASSETS WITH BANKING
SYSTEM
a) Balances with other banks
i) In current accounts 9210.83 9450.83 11878.80 11832.85 11635.79 13978.95
ii) In other accounts 200826.35 224819.91 231213.49 250271.83 285202.44 293198.62
b) Money at call & short notice 17947.44 24184.62 16904.88 31503.44 42515.90 35786.37
c) Advances to banks (i.e. due
46893.65 30464.55 31760.97 47528.98 31421.70 32651.83£
from bks.)
d) Other assets 65021.61 58206.64 57266.92 68269.48 63839.43 64520.89
VII INVESTMENTS ( At book value ) 6491007.92 6876278.22 6885114.23 6642916.42 7044718.16 7052596.13
a) Central & State Govt.
6490267.31 6875701.01 6884499.02 6633572.23 7034957.04 7042254.34
securities+
b) Other approved securities 740.61 577.21 615.21 9344.19 9761.12 10341.79
VIII BANK CREDIT (Excluding Inter-
17237674.19 19261332.10 19211864.54 17684775.14 19740418.25 19693500.36
Bank Advances)
a) Loans, cash credits &
16921322.69 18895329.30 18845769.62 17365124.66 19372656.31 19325647.19
Overdrafts $
b) Inland Bills purchased 68083.29 85683.67 86694.55 69618.36 85912.01 86920.67
c) Inland Bills discounted 210239.23 243748.26 244215.88 211364.87 244725.25 245205.36
d) Foreign Bills purchased 15825.69 13949.00 12917.85 16064.56 14152.57 13102.54
e) Foreign Bills discounted 22203.30 22621.87 22266.64 22602.69 22972.11 22624.602
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 18-Oct-2024 03-Oct-2025 17-Oct-2025
Scheduled Commercial Banks 18654.04 42659.30 52489.66
Scheduled Co-operative Banks 49624.75 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: 2025-2026/1417 Deputy General Manager
(Communications)