**Executive Summary**
This document is a press release from the Reserve Bank of India, presenting the Scheduled Banks' Statement of Position in India as of October 31, 2025. It compares the figures with those from October 17, 2025, and November 1, 2024. The report details the liabilities and assets of Scheduled Commercial Banks and All Scheduled Banks, providing a snapshot of their financial standing.
**Key Points / Main Content**
* **Liabilities to the Banking System (A):**
* Details demand and time deposits from banks.
* Includes borrowings from banks.
* Covers other demand and time liabilities.
* **Liabilities to Others (A):**
* Lists deposits (other than from banks) as demand and time deposits.
* Includes borrowings, excluding those from specific institutions.
* Details other demand and time liabilities.
* **Borrowings from R.B.I. (B):**
* Reports on borrowings against usance bills and/or promissory notes.
* **Cash:**
* Presents the total cash reserves.
* **Balances with R.B.I. (B):**
* Details the balances held with the Reserve Bank of India.
* **Assets with Banking System:**
* Includes balances with other banks in current and other accounts.
* Lists money at call and short notice.
* Covers advances to banks (i.e., due from banks).
* Includes other assets.
* **Investments (At Book Value):**
* Details investments in Central & State Government securities and other approved securities.
* **Bank Credit (Excluding Inter-Bank Advances):**
* Includes loans, cash credits & overdrafts.
* Lists inland bills purchased and discounted.
* Covers foreign bills purchased and discounted.
* **Food Credit Outstanding:**
* Scheduled Commercial Banks' outstanding.
* Scheduled Co-operative Banks' outstanding.
* **Bank Counts**
* Number of Scheduled Commercial Banks.
* Number of Scheduled State Co-operative Banks.
* Number of Scheduled Primary(Urban) Co-operative Banks.
**Impact Analysis**
**Stakeholder: Scheduled Commercial Banks, RRBs, SFBs and PBs**
* **Impact:** The statement provides a detailed view of the banks' liabilities, assets, and credit activities, impacting their internal financial assessments and strategic planning.
* **Action Required:** Review their balance sheet data against the reported figures to ensure accuracy and compliance, adjusting internal strategies based on the trends identified.
**Stakeholder: Reserve Bank of India (RBI)**
* **Impact:** RBI gains insights into the overall financial health and operational activities of the scheduled banks, informing policy decisions and regulatory actions.
* **Action Required:** Analyse the data to assess the stability and performance of the banking sector, making informed decisions on monetary policy and regulatory frameworks.
**Stakeholder: Investors and Financial Analysts**
* **Impact:** The statement provides crucial data for assessing the health and stability of the Indian banking sector, influencing investment decisions and market analysis.
* **Action Required:** Analyse the trends and ratios within the statement to evaluate investment risks and opportunities, making informed decisions based on the banking sector's performance.
Key Entities Referenced
Scheduled Commercial Banks: Banks included in the Second Schedule to the Reserve Bank of India Act, 1934
Reserve Bank of India Act, 1934: Act governing the Reserve Bank of India and the functioning of the banking system
Reserve Bank of India: Central bank of India responsible for regulating the banking system
Scheduled State Co-operative Banks: Cooperative banks included in the Second Schedule to the Reserve Bank of India Act, 1934
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 14, 2025
Scheduled Banks’ Statement of Position in India as on Friday, October 31, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs,SFBs and PBs)
01-Nov-2024 17-Oct-2025* 31-Oct-2025* 01-Nov-2024 17-Oct-2025* 31-Oct-2025*
I LIABILITIES TO THE
BKG.SYSTEM (A)
a) Demand & Time deposits from
289863.65 317219.62 323777.25 294354.23 324276.52 330914.14**
banks
b) Borrowings from banks 135897.86 84168.86 85926.66 136048.36 84176.93 85926.66
c) Other demand & time liabilities 24969.58 25736.62 27503.83 25304.29 26241.89 27964.19
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from
22027535.25 23883292.87 24173858.18 22485707.90 24388228.24 24677712.36
banks)
i) Demand 2562741.50 2973697.87 3100879.13 2612509.06 3025639.65 3151570.42
ii) Time 19464793.74 20909595.01 21072979.05 19873198.84 21362588.60 21526141.94
b) Borrowings @ 863454.33 860797.93 846240.52 868464.48 865666.41 850802.29
c) Other demand & time liabilities 950234.91 1092415.87 1083201.26 962659.07 1107804.54 1098166.84
III BORROWINGS FROM R.B.I. (B) 9032.00 8733.00 5489.00 9032.00 8733.00 5489.00
Against usance bills and / or
prom. Notes
IV CASH 92956.20 87747.21 87703.02 95909.18 90798.93 90523.55
V BALANCES WITH R.B.I. (B) 991969.56 827461.41 842947.33 1012089.70 844435.84 859920.63
VI ASSETS WITH BANKING
SYSTEM
a) Balances with other banks
i) In current accounts 10710.60 12111.69 16040.63 14068.51 14211.84 19830.70
ii) In other accounts 195798.37 231211.63 230621.74 245033.52 293196.76 292604.82
b) Money at call & short notice 21934.57 16904.88 15239.94 33817.98 35786.37 32353.58
c) Advances to banks (i.e. due
43604.81 31760.97 32718.97 44224.65 32651.83 33544.84£
from bks.)
d) Other assets 60757.56 57266.95 63915.00 63882.41 62715.32 69755.44
VII INVESTMENTS ( At book value ) 6557352.83 6885074.23 6889910.42 6710041.31 7052556.13 7058968.13
a) Central & State Govt.
6556790.22 6884459.02 6889415.20 6701767.47 7042214.34 7049263.35
securities+
b) Other approved securities 562.60 615.21 495.21 8273.84 10341.79 9704.78
VIII BANK CREDIT (Excluding Inter-
17419531.89 19212428.88 19390499.71 17873191.77 19694064.71 19872897.99
Bank Advances)
a) Loans, cash credits &
17105804.28 18846345.09 19026263.84 17556198.94 19326222.66 19506869.00
Overdrafts $
b) Inland Bills purchased 67918.02 86683.42 85925.24 69410.19 86909.54 86141.81
c) Inland Bills discounted 207786.28 244215.90 243500.38 208928.97 245205.37 244501.33
d) Foreign Bills purchased 15457.39 12917.85 12725.77 15702.63 13102.54 12912.47
e) Foreign Bills discounted 22565.92 22266.63 22084.48 22951.04 22624.59 22473.382
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 01-Nov-2024 17-Oct-2025 31-Oct-2025
Scheduled Commercial Banks 30054.53 52489.66 70371.31
Scheduled Co-operative Banks 50618.40 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: 2025-2026/1503 Deputy General Manager
(Communications)