**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 financial positions as of January 15, 2026, with those of December 31, 2025, and January 10, 2025. It includes data for both Scheduled Commercial Banks and all Scheduled Banks.
**Key Points / Main Content**
* **Liabilities:**
* *To the Banking System:* Details demand & time deposits from banks, borrowings from banks, and other demand & time liabilities.
* *To Others:* Details deposits other than from banks (Demand, Time), borrowings, and other demand & time liabilities.
* *Borrowings from R.B.I.* Against usance bills and/or prom. Notes.
* **Assets:**
* *Cash*
* *Balances with R.B.I.*
* *With Banking System:* Includes balances with other banks (in current and other accounts), money at call & short notice, advances to banks, and other assets.
* *Investments:* At book value, including Central & State Govt. securities and other approved securities.
* *Bank Credit:* Excluding Inter-Bank Advances, detailing 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.
* Demand and Time Liabilities do not include borrowings of any Scheduled State Co-operative Bank from the State Government.
* 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.
* Advances granted by Scheduled State Co-operative Banks to Co-operative banks are excluded.
* Food Credit Outstanding as on Scheduled Commercial Banks and Scheduled Co-operative Banks.
**Impact Analysis**
* **Scheduled Commercial Banks (Including RRBs, SFBs, and PBs):**
* **Impact:** This document provides an overview of their financial standing, including liabilities, assets, and credit. The statement outlines their financial health and operational scale, helping stakeholders assess their market position and regulatory compliance.
* **Action Required:** Banks need to review their financial positions against the reported data to ensure accuracy and alignment with regulatory requirements. They should also analyse the trends and adjust their strategies accordingly.
* **Reserve Bank of India (RBI):**
* **Impact:** The RBI uses this information to monitor the overall health and stability of the banking sector.
* **Action Required:** The RBI will continue to monitor the financial positions of banks and may take regulatory actions as necessary based on the data presented.
* **Investors and Depositors:**
* **Impact:** This statement provides insights into the stability and performance of the banking sector, influencing investment decisions and confidence in banking institutions.
* **Action Required:** Investors and depositors should review the statement to assess the financial health of the banks they invest in or deposit their funds with, and make informed decisions accordingly.
* **Other Stakeholders (Government, Financial Analysts, Public):**
* **Impact:** The statement informs stakeholders about the overall financial condition of the banking sector, which impacts broader economic activity.
* **Action Required:** These stakeholders should consider the statement as part of their analysis of the financial and economic landscape, adjusting expectations and policies as needed.
Key Entities Referenced
Reserve Bank of India: Regulator; central bank for India, primary source of the data.
Scheduled Commercial Banks: Key subject; reporting entities covered by the statement of position.
Reserve Bank of India Act, 1934: Legal basis defining the banking system and financial institutions.
�े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)