**Executive Summary**
This press release from the Reserve Bank of India, dated February 13, 2026, presents the Scheduled Banks' Statement of Position in India as of January 31, 2026. It compares key financial data (assets and liabilities) of Scheduled Commercial Banks (including RRBs, SFBs, and PBs) and all Scheduled Banks for the periods ending January 24, 2025, January 15, 2026, and January 31, 2026. It also includes food credit outstanding amounts and number of Scheduled Banks.
**Key Points / Main Content**
* **Liabilities to the Banking System (A):**
* Demand and Time deposits from banks: 336474.48 crore
* Borrowings from banks: 81053.24 crore
* Other demand & time liabilities: 42057.26 crore
* **Liabilities to Others (A):**
* Deposits (other than from banks): 24881954.39 crore
* Demand: 3141414.87 crore
* Time: 21740539.52 crore
* Borrowings: 908900.05 crore
* Other demand & time liabilities: 1116118.51 crore
* **Borrowings from R.B.I. (B):** 136073.00 crore
* **Cash:** 82350.27 crore
* **Balances with R.B.I. (B):** 756290.45 crore
* **Assets with Banking System:**
* Balances with other banks
* In current accounts: 11072.70 crore
* In other accounts: 326507.25 crore
* Money at call & short notice: 50077.28 crore
* Advances to banks (i.e. due from bks.): 35114.83 crore
* Other assets: 74032.38 crore
* **Investments (At book value):** 6982731.81 crore
* Central & State Govt. securities: 6967578.98 crore
* Other approved securities: 15152.83 crore
* **Bank Credit (Excluding Inter-Bank Advances):** 20625130.93 crore
* Loans, cash credits & Overdrafts: 20225179.40 crore
* Inland Bills purchased: 95401.29 crore
* Inland Bills discounted: 268135.24 crore
* Foreign Bills purchased: 12849.53 crore
* Foreign Bills discounted: 23565.47 crore
* **Food Credit Outstanding as on 31-Jan-2026**
* Scheduled Commercial Banks: 89295.40 crore
* Scheduled Co-operative Banks: 51974.00 crore
* **Number of Scheduled Banks:**
* Scheduled Commercial Banks: 121
* Scheduled State Co-operative Banks: 24
* Scheduled Primary(Urban) Co-operative Banks: 52
**Impact Analysis**
**Reserve Bank of India (RBI)**
* **Impact:** The document provides a detailed overview of the financial positions of scheduled banks in India, allowing the RBI to monitor and regulate the banking sector effectively. The borrowing data from RBI will help in policy and regulatory actions.
* **Action Required:** Analyze the presented data to assess the health and stability of the banking system and implement appropriate monetary policies.
**Scheduled Commercial Banks, RRBs, SFBs, PBs, and Scheduled Co-operative Banks**
* **Impact:** Provides a benchmark for their own financial performance against the broader banking sector.
* **Action Required:** Review their own financial positions in relation to the industry averages to identify areas of strength and weakness, and adjust strategies accordingly.
**Government and Policy Makers**
* **Impact:** Provides insights into the flow of credit, investment patterns, and overall financial health of the banking sector, which can inform policy decisions.
* **Action Required:** Use the data to assess the effectiveness of existing policies and to develop new policies aimed at supporting economic growth and financial stability.
**General Public and Investors**
* **Impact:** Provides a general overview of the banking sector's health, which can influence investor confidence and public perception.
* **Action Required:** May be used to assess risk and make informed financial decisions (with advice of professionals).
Key Entities Referenced
Reserve Bank of India: Central bank of India, responsible for monetary policy and regulation of the banking system
Scheduled Commercial Banks: Banks included in the Second Schedule to the Reserve Bank of India Act, 1934
Scheduled State Co-operative Banks: Cooperative banks included in the Second Schedule to the Reserve Bank of India Act, 1934
Reserve Bank of India Act, 1934: The act that established the Reserve Bank of India and defines its powers and functions.
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)