**Executive Summary**
This report presents the scheduled banks' statement of position in India as of September 19, 2025. It provides details on liabilities, assets, investments, and bank credit for scheduled commercial banks, including RRBs, SFBs, and PBs, as well as all scheduled banks. The data includes comparisons with September 5, 2025, and September 20, 2024.
**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 and time deposits.
* 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 and 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.
* **Food Credit Outstanding:** Amount in crore for Scheduled Commercial Banks and Scheduled Co-operative Banks.
**Impact Analysis**
**Scheduled Commercial Banks (including RRBs, SFBs, and PBs)**
* **Impact:** Banks are required to compile and report detailed financial data on assets, liabilities, investments, and credit. The data is crucial for tracking financial performance, liquidity, and credit risk management.
* **Action Required:** Ensure accurate and timely reporting of all required financial information.
**Reserve Bank of India (RBI)**
* **Impact:** RBI uses this data to monitor the banking sector's health, formulate monetary policy, and ensure financial stability.
* **Action Required:** Analyze the reported data to assess the banking system's liquidity, credit growth, and overall financial condition.
**Government and Regulatory Bodies**
* **Impact:** Provides information for policy decisions related to the banking sector and the overall economy.
* **Action Required:** Use the data to inform policy decisions and assess the impact of economic trends on the banking sector.
Key Entities Referenced
Reserve Bank of India: Central bank of India, regulator and supervisor of the Indian financial system; mentioned explicitly in the context of borrowings.
Scheduled Commercial Banks: Banks in India included in the Second Schedule to the Reserve Bank of India Act, 1934, subject to specific regulations and reporting requirements.
Scheduled Co-operative Banks: Co-operative banks in India that are included in the Second Schedule to the Reserve Bank of India Act, 1934; have specific exemptions and considerations.
Reserve Bank of India Act, 1934: Indian legislation that established the Reserve Bank of India and defines its powers and functions.
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 03, 2025
Scheduled Banks’ Statement of Position in India as on Friday, September 19, 2025
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
20-Sep-2024 05-Sep-2025* 19-Sep-2025* 20-Sep-2024 05-Sep-2025* 19-Sep-2025*
I LIABILITIES TO THE BKG.SYSTEM (A)
a) Demand & Time deposits from banks
305203.01 322323.47 319556.99 309831.75 329890.75 327533.12**
b) Borrowings from banks
134095.86 96816.68 84796.98 134219.35 96885.30 84841.98
c) Other demand & time liabilities
22841.08 27734.75 26959.04 23153.09 28235.86 27464.11
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from banks)
21505667.14 23668910.14 23545570.85 21956319.68 24164674.52 24042840.13
i) Demand
2498373.27 2891510.19 2847059.08 2546570.84 2942733.86 2896921.75
ii) Time
19007293.88 20777399.95 20698511.76 19409748.85 21221940.66 21145918.38
b) Borrowings @
879625.90 816568.99 858518.19 883958.80 820898.80 863263.69
c) Other demand & time liabilities
1031197.11 1115400.14 1074848.64 1045153.26 1131382.59 1090461.02
III
BORROWINGS FROM R.B.I. (B)
51223.00 3936.00 57401.00 51223.00 3936.00 57401.00
Against usance bills and / or prom. Notes
IV
CASH
86245.85 84105.92 81413.05 88956.38 86735.56 84175.17
V
BALANCES WITH R.B.I. (B)
956254.78 926600.77 884937.44 975831.73 945830.22 902838.89
VI
ASSETS WITH BANKING SYSTEM
a) Balances with other banks
i) In current accounts
16203.77 8382.11 8643.65 18829.75 10594.67 10909.47
ii) In other accounts
196181.09 237905.85 232369.16 244479.91 297102.73 292718.39
b) Money at call & short notice
14726.47 25498.58 14110.15 25157.88 44088.04 33943.03
c) Advances to banks (i.e. due from bks.)
43836.12 29087.88 31240.78 44541.60 30268.77 32252.94£
d) Other assets
74944.96 66159.02 64462.09 78211.22 71667.24 69844.69
VII
INVESTMENTS (At book value)
6404043.98 6819997.10 6846255.65 6554539.13 6988324.49 7014966.33
a) Central & State Govt. securities+
6403395.06 6819538.08 6845736.64 6545989.52 6978868.38 7005093.43
b) Other approved securities
648.92 459.01 519.01 8549.61 9456.11 9872.90
BANK CREDIT (Excluding Inter-Bank
VIII
17125052.00 18800685.56 18902933.60 17569461.69 19272285.39 19377696.96
Advances)
a) Loans, cash credits & Overdrafts $
16820109.77 18457191.68 18554397.99 17261370.27 18926803.23 19027339.97
b) Inland Bills purchased
65157.50 78734.43 79646.10 66654.80 79016.44 79890.58
c) Inland Bills discounted
202301.41 230151.81 234632.14 203401.67 231301.77 235643.69
d) Foreign Bills purchased
15250.78 13045.19 12651.20 15439.25 13265.48 12861.21
e) Foreign Bills discounted
22232.53 21562.46 21606.17 22595.69 21898.52 21961.502
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 20-Sep-2024 05-Sep-2025 19-Sep-2025
Scheduled Commercial Banks 19925.56 45580.30 45284.14
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: 2025-2026/1236 Deputy General Manager
(Communications)