**Executive Summary**
This document is a press release from the Reserve Bank of India (RBI), dated January 30, 2026, presenting the Scheduled Banks' Statement of Position in India as of January 15, 2026. It compares the data from January 15, 2026, with figures from December 31, 2025, and January 10, 2025. It contains various financial items, covering liabilities, assets, and bank credit. The deadline for the publication of the next Press Communique is November 30, 2026.
**Key Points / Main Content**
* **Scheduled Banks' Statement of Position:**
* Presents financial data for Scheduled Commercial Banks (including RRBs, SFBs, and PBs) and All Scheduled Banks.
* Data includes liabilities to the banking system and to others, borrowings from RBI, cash, balances with RBI, assets with the banking system, investments, and bank credit.
* Compares data from January 15, 2026, December 31, 2025, and January 10, 2025.
* **Liabilities:**
* Lists liabilities to the banking system, including deposits from banks, borrowings from banks, and other demand & time liabilities.
* Lists liabilities to others, primarily deposits (demand and time), and other demand & time liabilities.
* Includes borrowings from the RBI against usance bills and/or promissory notes.
* **Assets:**
* Lists assets with the banking system, including balances with other banks in current and other accounts, money at call & short notice, and advances to banks.
* Includes investments at book value, specifying Central & State Government securities and other approved securities.
* Details bank credit, excluding inter-bank advances, breaking it down into loans, cash credits & overdrafts, inland bills purchased/discounted, and foreign bills purchased/discounted.
* **Additional Notes:**
* Figures relate to the corresponding reporting Friday of the previous year, continuing until the November 30, 2026, Press Communique.
* Demand and Time Liabilities do not include specific borrowings or reserve fund deposits of Scheduled State Co-operative Banks.
* Includes Treasury Bills, Treasury Deposits, Treasury Savings Certificates, and postal obligations.
* Includes advances to Public Food Procurement Agencies.
* **Food Credit Outstanding:**
* Presents data on Food Credit Outstanding for Scheduled Commercial Banks and Scheduled Co-operative Banks.
* Lists figures as of January 15, 2026, December 31, 2025, and January 10, 2025.
* **Current Fortnight Statistics:**
* The number of Scheduled Commercial Banks: 121.
* The number of Scheduled State Co-operative Banks: 24.
* The number of Scheduled Primary (Urban) Co-operative Banks: 52.
**Impact Analysis**
**Stakeholders:**
* **Reserve Bank of India (RBI):**
* **Impact:** Responsible for compiling and disseminating the Scheduled Banks' Statement of Position.
* **Action Required:** Continue monitoring and regulating the banking sector, and issuing the next Press Communique as on November 30th, 2026.
* **Scheduled Commercial Banks (including RRBs, SFBs, and PBs):**
* **Impact:** Affected by the reporting requirements and any potential policy changes based on the data.
* **Action Required:** Ensure accurate and timely reporting of financial data to the RBI.
* **Scheduled Co-operative Banks:**
* **Impact:** Affected by reporting requirements.
* **Action Required:** Ensure accurate and timely reporting of financial data to the RBI.
* **Financial Analysts, Economists, and General Public:**
* **Impact:** Can use the data to analyze the financial health and trends within the Indian banking sector.
* **Action Required:** Review the data to understand trends and make informed decisions.
* **Government:**
* **Impact:** Uses the data for policy formulation and economic planning.
* **Action Required:** Assess the data to inform economic policy decisions.
Key Entities Referenced
Reserve Bank of India Act, 1934: Referenced for defining the 'Banking System' and in relation to borrowings.
Scheduled Commercial Banks: Primary subject of the statement; reports statement of position in India.
Food Corporation of India: An entity included in advances granted by Scheduled Commercial Banks and Scheduled Cooperative Banks to Public Food Procurement Agencies
�ेस �काशनी PRESS RELEASE
भारतीय �रज़वर् बैंक
RESERVE BANK OF INDIA
वेबसाइट : www.rbi.org.in/hindi संचार िवभाग, क��ीय कायार्लय, शहीद भगत �संह मागर्, फोटर्, मबुं ई - 400 001
0
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मले /email : helpdoc@rbi.org.in
Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
January 30, 2026
Scheduled Banks’ Statement of Position in India as on January 15, 2026
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
10-Jan-2025# 31-Dec-2025 15-Jan-2026 10-Jan-2025# 31-Dec-2025 15-Jan-2026
I LIABILITIES TO THE BKG.SYSTEM (A)
a)Demand & Time deposits from banks 271703.78 340111.14 334594.98 276454.35 347493.56 342296.21**
b)Borrowings from banks 143463.79 84009.60 80440.83 143532.02 84135.04 80507.15
c)Other demand & time liabilities 28059.87 32819.70 33028.55 28374.42 33298.98 33578.04
II LIABILITIES TO OTHERS (A)
a)Deposits (other than from banks) 22151174.72 24857492.98 24499894.23 22618068.06 25374431.04 25018665.67
i)Demand 2478179.94 3274722.02 2990791.67 2526145.68 3327804.47 3044298.01
ii)Time 19672994.78 21582770.96 21509102.56 20091922.38 22046626.58 21974367.66
b)Borrowings @ 923447.75 825578.41 921543.17 927676.29 830784.11 926514.86
c)Other demand & time liabilities 982850.90 1068023.00 1062922.31 995569.04 1083928.31 1079080.70
III BORROWINGS FROM R.B.I. (B) 292649.00 168974.00 32336.00 292649.00 168974.00 32336.00
Against usance bills and / or prom. Notes
IV CASH 81184.53 83461.84 78478.82 83451.51 85865.18 80881.73
V BALANCES WITH R.B.I. (B) 930601.58 712616.84 717833.96 949009.83 727333.84 732861.37
VI ASSETS WITH BANKING SYSTEM
a)Balances with other banks
i)In current accounts 10289.07 14383.10 15371.10 12445.35 17232.21 17370.50
ii)In other accounts 193812.38 257279.17 264880.59 245053.92 319113.49 327107.25
b)Money at call & short notice 11968.02 36096.91 32228.87 29194.71 54656.93 50077.28
c)Advances to banks (i.e. due from bks.) 39185.34 35292.90 32218.48 41511.32 37201.00 35114.85£
d)Other assets 56108.82 69207.73 67909.21 59310.35 75299.11 74032.33
VII INVESTMENTS (At book value) 6628425.87 6884983.10 6807967.35 6781344.20 7054973.71 6977983.66
a)Central & State Govt. securities+ 6627913.28 6884483.14 6807466.71 6772961.72 7044429.11 6967578.98
b)Other approved securities 512.59 499.96 500.64 8382.48 10544.60 10404.68
BANK CREDIT (Excluding Inter-Bank
VIII 17799393.73 20320787.62 20132364.93 18253465.95 20811789.57 20623406.13
Advances
a)Loans, cash credits & Overdrafts $ 17475442.83 19915121.83 19734276.31 17926218.48 20404211.13 20223454.60
b)Inland Bills purchased 74406.36 96940.01 95390.89 75984.67 97113.48 95401.29
c)Inland Bills discounted 211624.88 271626.65 266853.17 212741.92 272764.15 268135.24
d)Foreign Bills purchased 15700.80 13616.06 12778.64 15924.12 13826.93 12849.53
e)Foreign Bills discounted 22218.86 23483.07 23065.91 22596.76 23873.88 23565.472
NOTE
# These figures relates to corresponding reporting Friday of previous year (as per old 'Fortnight' definition) and it shall
continue till the publication of Press Communique as on November 30th, 2026.
(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 10-Jan-2025# 31-Dec-2025 15-Jan-2026
Scheduled Commercial Banks 57723.06 87972.45 88169.21
Scheduled Co-operative Banks 50615.51 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: 52
Ajit Prasad
Press Release: 2025-2026/2014 Deputy General Manager
(Communications)