Executive Summary:
This press release from the Reserve Bank of India (RBI), dated September 18, 2025, presents the statement of position for scheduled banks in India as of Friday, September 05, 2025. It details the liabilities and assets of scheduled commercial banks and all scheduled banks, including Regional Rural Banks (RRBs), Small Finance Banks (SFBs), and Payments Banks (PBs). Comparative data from August 22, 2025, and September 06, 2024, are provided for reference.
Key Points / Main Content:
Liabilities to the Banking System:
Demand and time deposits from banks: ₹322,142.98 crore for scheduled commercial banks and ₹329,710.26 crore for all scheduled banks as of September 05, 2025.
Borrowings from banks: ₹96,816.68 crore for scheduled commercial banks and ₹96,885.30 crore for all scheduled banks as of September 05, 2025.
Other demand and time liabilities: ₹28,046.56 crore for scheduled commercial banks and ₹28,547.67 crore for all scheduled banks as of September 05, 2025.
Liabilities to Others:
Deposits other than from banks: ₹23,669,753.44 crore for scheduled commercial banks and ₹24,165,517.81 crore for all scheduled banks as of September 05, 2025.
Borrowings: ₹816,469.05 crore for scheduled commercial banks and ₹820,798.87 crore for all scheduled banks as of September 05, 2025.
Other demand and time liabilities: ₹1,115,663.05 crore for scheduled commercial banks and ₹1,131,645.50 crore for all scheduled banks as of September 05, 2025.
Borrowings from RBI:
Borrowings against usance bills and/or promissory notes: ₹3,936.00 crore for both scheduled commercial banks and all scheduled banks as of September 05, 2025.
Assets:
Cash: ₹84,105.79 crore for scheduled commercial banks and ₹86,735.42 crore for all scheduled banks as of September 05, 2025.
Balances with RBI: ₹926,600.77 crore for scheduled commercial banks and ₹945,830.22 crore for all scheduled banks as of September 05, 2025.
Assets with the banking system: Includes balances with other banks, money at call and short notice, and advances to banks.
Investments (at book value): ₹6,819,997.26 crore for scheduled commercial banks and ₹6,988,324.65 crore for all scheduled banks as of September 05, 2025.
Bank Credit:
Excluding inter-bank advances: ₹18,800,760.50 crore for scheduled commercial banks and ₹19,272,360.34 crore for all scheduled banks as of September 05, 2025.
Food Credit Outstanding:
Scheduled Commercial Banks: ₹45,580.30 crore as of September 05, 2025.
Scheduled Cooperative Banks: ₹51,974.00 crore as of September 05, 2025.
Other Information:
Number of Scheduled Commercial Banks: 121
Number of Scheduled State Cooperative Banks: 24
Number of Scheduled Primary Urban Cooperative Banks: 51
Impact Analysis:
Scheduled Commercial Banks, RRBs, SFBs, and PBs:
Impact: These banks are directly affected by the statement of position, as it reflects their financial standing and activities.
Action Required: Review the data for accuracy and ensure compliance with RBI regulations.
Reserve Bank of India (RBI):
Impact: The RBI uses this data to monitor the health and stability of the Indian banking system.
Action Required: Analyze the data to inform monetary policy decisions and regulatory oversight.
Government and Regulatory Bodies:
Impact: The data provides insights into the overall financial landscape of the country.
Action Required: Use the information for economic planning and policy formulation.
Key Entities Referenced
Scheduled Banks: Banks included in the Second Schedule to the Reserve Bank of India Act, 1934
Reserve Bank of India Act, 1934: The legislation governing the Reserve Bank of India's operations and defining scheduled banks
Scheduled Commercial Banks: A subset of Scheduled Banks, including RRBs, SFBs, and PBs
Reserve Bank of India: The central bank of India, from which Scheduled Commercial Banks can borrow
Mumbai: Location of the Reserve Bank of India Central Office
प्रेस प्रकाशनी PRESS RELEASE
भारतीय ररज़र्व ब ैंक
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
September 18, 2025
Scheduled Banks’ Statement of Position in India as on Friday, September 05, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
06-Sep-2024 22-Aug-2025* 05-Sep-2025* 06-Sep-2024 22-Aug-2025* 05-Sep-2025*
I LIABILITIES TO THE
BKG.SYSTEM (A)
a) Demand & Time deposits from
298116.19 346928.84 322142.98 302401.77 354508.87 329710.26**
banks
b) Borrowings from banks 128865.30 100383.06 96816.68 129153.89 100411.43 96885.30
c) Other demand & time liabilities 23518.75 24498.34 28046.56 23846.90 25023.28 28547.67
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from
21550315.52 23504534.61 23669753.44 22002066.95 23999553.75 24165517.81
banks)
i) Demand 2457243.56 2889394.78 2892106.55 2505648.23 2939197.45 2943330.22
ii) Time 19093071.95 20615139.83 20777646.89 19496418.71 21060356.30 21222187.60
b) Borrowings @ 843672.46 862408.87 816469.05 847826.98 866787.67 820798.87
c) Other demand & time liabilities 1052347.33 1033325.08 1115663.05 1066192.83 1047572.60 1131645.50
III BORROWINGS FROM R.B.I. (B) 7740.00 1818.00 3936.00 7740.00 1818.00 3936.00
Against usance bills and / or
prom. Notes
IV CASH 90022.30 83853.92 84105.79 92424.63 86457.70 86735.42
V BALANCES WITH R.B.I. (B) 988846.26 932900.01 926600.77 1008668.24 951890.51 945830.22
VI ASSETS WITH BANKING
SYSTEM
a) Balances with other banks
i) In current accounts 10225.19 21137.33 8381.96 12758.45 23357.12 10594.52
ii) In other accounts 194864.85 249131.31 237904.95 243372.54 310060.99 297101.83
b) Money at call & short notice 13069.51 18079.80 25498.58 23233.85 36830.49 44088.04
c) Advances to banks (i.e. due
43441.68 28321.61 29087.88 44184.93 29629.30 30268.77£
from bks.)
d) Other assets 70705.72 55543.11 66159.00 74024.95 61019.57 71667.22
VII INVESTMENTS (At book value) 6385411.25 6756965.81 6819997.26 6538224.55 6922714.97 6988324.65
a) Central & State Govt.
6384876.36 6756506.80 6819538.25 6529939.11 6913541.24 6978868.54
securities+
b) Other approved securities 534.89 459.01 459.01 8285.43 9173.73 9456.11
VIII BANK CREDIT (Excluding Inter-
17046601.95 18646841.82 18800760.50 17487542.82 19116661.95 19272360.34
Bank Advances)
a) Loans, cash credits &
16737000.82 18307447.99 18457266.97 17174814.10 18775158.32 18926878.52
Overdrafts $
b) Inland Bills purchased 67706.88 77799.72 78734.14 69138.72 78173.49 79016.14
c) Inland Bills discounted 204637.18 227343.17 230151.76 205800.13 228505.09 231301.69
d) Foreign Bills purchased 15547.23 12833.07 13045.19 15729.90 13052.83 13265.48
e) Foreign Bills discounted 21709.85 21417.86 21562.45 22059.98 21772.22 21898.512
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.
(B) The figures relating to Scheduled Commercial Banks' Borrowings in India from Reserve Bank and balances with Reserve
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 06-Sep-2024 22-Aug-2025 05-Sep-2025
Scheduled Commercial Banks 21503.40 50455.85 45580.30
Scheduled Co-operative Banks 50619.36 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: 2025-2026/1116 Deputy General Manager
(Communications)