**Executive Summary**
This press release from the Reserve Bank of India presents the Scheduled Banks' Statement of Position in India as of October 17, 2025, with comparative data from October 3, 2025, and October 18, 2024. The report details the assets and liabilities of scheduled commercial banks and all scheduled banks, including Regional Rural Banks (RRBs), Small Finance Banks (SFBs), and Payment Banks (PBs). The next steps or dates are not mentioned.
**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
* **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 banks)
* 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
* **Other Key Information:**
* Food Credit Outstanding (as of 18-Oct-2024, 03-Oct-2025, 17-Oct-2025) for Scheduled Commercial Banks and Scheduled Co-operative Banks is provided.
* Number of banks as on current fortnight:
* Scheduled Commercial Banks: 121
* Scheduled State Co-operative Banks: 24
* Scheduled Primary(Urban) Co-operative Banks: 51
**Impact Analysis**
**Stakeholder: Reserve Bank of India (RBI)**
* **Impact:** The report provides a snapshot of the financial position of scheduled banks, informing the RBI's regulatory oversight and policy decisions.
* **Action Required:** Review the report to assess the overall health of the banking sector and make necessary adjustments to monetary policy.
**Stakeholder: Scheduled Commercial Banks (including RRBs, SFBs, and PBs)**
* **Impact:** The report reflects their financial performance and position, potentially affecting their credit ratings and market perception.
* **Action Required:** Ensure accurate reporting and compliance with regulatory requirements, review their financial performance, and adjust strategies as needed.
**Stakeholder: Investors and Financial Analysts**
* **Impact:** The report provides data for analyzing the banking sector's performance and making investment decisions.
* **Action Required:** Analyze the data to assess the financial health of individual banks and the overall banking sector.
**Stakeholder: General Public/Depositors**
* **Impact:** The report offers an indication of the stability and security of the banking system, influencing public confidence in financial institutions.
* **Action Required:** Stay informed about the banking sector's performance and consider its implications for their deposits and financial planning.
Key Entities Referenced
Scheduled Commercial Banks: Banks listed in the Second Schedule to the Reserve Bank of India Act, 1934 and regulated by the Reserve Bank of India.
Reserve Bank of India: The central bank of India, responsible for monetary policy and banking regulation.
RRBs, SFBs and PBs: Regional Rural Banks, Small Finance Banks and Payment Banks, types of scheduled commercial banks in 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
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)