**Executive Summary**
This 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. The statement provides a comparative financial overview, including data from January 10, 2025, and December 31, 2025, for scheduled commercial banks and all scheduled banks. The press release number is 2025-2026/2014.
**Key Points / Main Content**
* **Comparative Financial Data:** The statement presents a side-by-side comparison of liabilities and assets for both Scheduled Commercial Banks (including RRBs, SFBs, and PBs) and All Scheduled Banks across three dates: January 10, 2025, December 31, 2025, and January 15, 2026.
* **Liabilities:**
* **To the Banking System:** Details demand and time deposits from banks, borrowings from banks, and other demand and time liabilities.
* **To Others:** Includes deposits (other than from banks), further broken down into demand and time deposits, borrowings, and other demand and time liabilities.
* **Borrowings from RBI:** Shows the borrowings from the Reserve Bank of India, specifically against usance bills and/or promissory notes.
* **Assets:**
* **Cash:** Reports the cash holdings.
* **Balances with RBI:** Provides the balances held with the Reserve Bank of India.
* **Assets with the Banking System:** Details balances with other banks (in current and other accounts), money at call and short notice, advances to banks, and other assets.
* **Investments (At book value):** Covers investments, including Central & State Government securities and other approved securities.
* **Bank Credit:** Presents bank credit, excluding Inter-Bank Advances, further broken down into loans, cash credits & overdrafts, inland bills purchased/discounted, and foreign bills purchased/discounted.
* **Food Credit Outstanding:** Provides a breakdown of food credit outstanding for scheduled commercial banks and scheduled co-operative banks.
* **Explanatory Notes:** Includes various notes explaining the data, such as the definition of certain terms, the exclusion of specific items, and accounting practices for LAF transactions.
* **Banking System Definition:** Defines the term 'Banking System' or 'Banks' as per the Reserve Bank of India Act, 1934.
* **Number of Banks:** Lists the number of Scheduled Commercial Banks, Scheduled State Co-operative Banks, and Scheduled Primary(Urban) Co-operative Banks as of the current fortnight.
**Impact Analysis**
**Stakeholder:** Scheduled Commercial Banks (including RRBs, SFBs, and PBs) and All Scheduled Banks
* **Impact:** The document provides an overview of their financial position in India as of January 15, 2026, allowing for comparative analysis against previous periods.
* **Action Required:** Review the statement to understand their financial standing and identify areas for improvement or adjustment.
**Stakeholder:** Reserve Bank of India (RBI)
* **Impact:** The document allows the RBI to monitor the financial health and stability of scheduled banks in India.
* **Action Required:** Analyze the data to inform policy decisions and regulatory actions related to the banking sector.
**Stakeholder:** General Public, Investors, and Financial Analysts
* **Impact:** The document provides insights into the overall financial health and trends within the Indian banking sector.
* **Action Required:** Use the information to assess investment opportunities, understand market trends, and evaluate the performance of individual banks.
Key Entities Referenced
Reserve Bank of India Act, 1934: Referenced in the context of Section 17(4)(c) and Section 42(1), which relate to borrowings and the definition of the banking system.
Scheduled Commercial Banks: The primary subject of the statement of position, including RRBs, SFBs, and PBs.
Scheduled State Co-operative Banks: Differentiated within the liabilities and assets sections of the statement of position.
Borrowings from RBI: Specifically mentioned due to changes in accounting practices for LAF transactions as per the Malegam Committee recommendations.
National Bank for Agriculture and Rural Development: Entity from which borrowings occur.
�े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)