**Executive Summary**
This report presents the scheduled banks' statement of position in India as of January 31, 2026, compared to January 15, 2026, and January 24, 2025. The data includes liabilities to the banking system and others, borrowings from the RBI, cash assets, investments, and bank credit. The report also includes food credit outstanding as of January 31, 2026. The report was released on February 13, 2026.
**Key Points / Main Content**
*All figures are in crore.*
**Liabilities**
* **Liabilities to the Banking System:** Increased to 336,474.48 from 334,644.10 on January 15, 2026.
* **Liabilities to Others:** Increased to 24,881,954.39 from 24,499,511.99 on January 15, 2026.
* **Borrowings from RBI:** Increased to 136,073.00 from 32,336.00 on January 15, 2026.
**Assets**
* **Cash:** Increased to 82,350.27 from 78,478.82 on January 15, 2026.
* **Balances with RBI:** Increased to 756,290.45 from 717,833.96 on January 15, 2026.
* **Investments:** Increased to 6,816,554.58 from 6,807,967.35 on January 15, 2026.
* **Bank Credit (Excluding Inter-Bank Advances):** Increased to 20,475,381.96 from 20,134,089.72 on January 15, 2026.
**Additional Information**
* The report includes data for both Scheduled Commercial Banks (including RRBs, SFBs, and PBs) and All Scheduled Banks.
* The figures relate to the corresponding reporting Friday of the previous year (as per the old 'Fortnight' definition) and will continue until the publication of the Press Communique as on November 30th, 2026.
* Food Credit Outstanding for Scheduled Commercial Banks was 89,295.40 as of January 31, 2026.
**Impact Analysis**
**Scheduled Commercial Banks (Including RRBs, SFBs, and PBs)**
* **Impact:** Banks need to monitor their assets, liabilities, and credit portfolios to ensure compliance and manage financial stability.
* **Action Required:** Review the data and align operations with regulatory requirements.
**Reserve Bank of India (RBI)**
* **Impact:** The RBI needs to monitor the overall health and stability of the banking sector.
* **Action Required:** The RBI will use this data for policy formulation and regulatory oversight.
**General Public**
* **Impact:** Public stakeholders have insight into the status of scheduled Indian banks.
* **Action Required:** No immediate action required.
Key Entities Referenced
Reserve Bank of India: India's central bank, whose statement of position is being reported.
Scheduled Commercial Banks: Banks listed in the Second Schedule to the Reserve Bank of India Act, 1934, including RRBs, SFBs, and PBs, which are the main subject of the statement.
Scheduled Co-operative Banks: Co-operative banks that have been included in the Second Schedule to the Reserve Bank of India Act, 1934.
Statement of Position: A financial report showing the assets and liabilities of scheduled banks in India.
Reserve Bank of India Act, 1934: Indian legislation governing the Reserve Bank of India's structure and function.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय �रज़वर् बैंक
RESERVE BANK OF INDIA
वेबसाइट : www.rbi.org.in/hindi संचार िवभाग, केंद्रीय कायार्लय, शहीद भगत िसंह मागर्, फोटर्, मुंबई - 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
February 13, 2026
Scheduled Banks’ Statement of Position in India as on January 31, 2026
(Amount in ₹ crore)
SCHEDULED COMMERCIAL BANKS ALL SCHEDULED BANKS
(Including RRBs, SFBs and PBs)
24-Jan-2025# 15-Jan-2026 31-Jan-2026 24-Jan-2025# 15-Jan-2026 31-Jan-2026
I LIABILITIES TO THE BKG.SYSTEM (A)
a) Demand & Time deposits from banks 274580.76 334644.10 336474.48 279763.56 342345.34 344450.58**
b) Borrowings from banks 144172.70 80440.83 81053.24 144288.99 80507.15 81307.96
c) Other demand & time liabilities 29455.08 32892.14 42057.26 29792.86 33441.63 42661.78
II LIABILITIES TO OTHERS (A)
a) Deposits (other than from banks) 22126572.35 24499511.99 24881954.39 22591678.12 25018283.44 25398629.58
i) Demand 2510913.20 2990484.97 3141414.87 2558292.31 3043991.32 3194032.51
ii) Time 19615659.14 21509027.02 21740539.52 20033385.82 21974292.12 22204597.07
b) Borrowings @ 953979.59 921541.85 908900.05 958300.19 926513.54 913623.16
c) Other demand & time liabilities 990920.82 1059479.61 1116118.51 1003945.31 1075638.00 1131224.61
III BORROWINGS FROM R.B.I. (B) 354098.00 32336.00 136073.00 354098.00 32336.00 136073.00
Against usance bills and / or prom. Notes
IV CASH 84829.03 78478.82 82350.27 87079.38 80881.73 84874.86
V BALANCES WITH R.B.I. (B) 889894.55 717833.96 756290.45 908493.35 732861.37 771704.13
VI ASSETS WITH BANKING SYSTEM
a) Balances with other banks
i) In current accounts 9592.20 15371.10 9587.86 11672.81 17370.50 12231.43
ii) In other accounts 187012.38 264280.59 269199.35 237701.52 326507.25 331090.55
b) Money at call & short notice 13863.15 32228.87 35468.10 29459.35 50077.28 52274.28
c) Advances to banks (i.e. due from bks.) 38787.80 32218.47 35428.21 41911.18 35114.83 38974.87£
d) Other assets 60663.54 67909.26 74968.33 63716.06 74032.38 81364.81
VII INVESTMENTS (At book value) 6635526.09 6807967.35 6816554.58 6788201.66 6982731.81 6990918.46
a) Central & State Govt. securities+ 6635022.32 6807466.71 6816054.16 6779813.27 6967578.98 6976617.86
b) Other approved securities 503.77 500.64 500.42 8388.40 15152.83 14300.61
VIII BANK CREDIT (Excluding Inter-Bank Advances 17868478.53 20134089.72 20475381.96 18326104.40 20625130.93 20966065.04
a) Loans, cash credits & Overdrafts $ 17549269.55 19736001.11 20065334.85 18003509.22 20225179.40 20554098.08
b) Inland Bills purchased 71812.84 95390.89 98703.51 73478.59 95401.29 98715.36
c) Inland Bills discounted 209415.29 266853.17 275477.83 210515.16 268135.24 276780.26
d) Foreign Bills purchased 15570.73 12778.64 13001.71 15796.62 12849.53 13196.93
e) Foreign Bills discounted 22410.12 23065.91 22864.07 22804.81 23565.47 23274.402
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 24-Jan-2025# 15-Jan-2026 31-Jan-2026
Scheduled Commercial Banks 56178.86 88169.21 89295.40
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: 2025-2026/2108 Deputy General Manager
(Communications)