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Official Website of Reserve Bank of India
Analytical Accounts of the Banking Sector
Scheduled Commercial Banks - Business in India (January 02, 2026)
EXCEL (
Date: Jan 02, 2026
| (₹ Crore) | ||||||
| Item | Outstanding as on Dec. 15, 2025 | Variation over | ||||
| Fortnight | Financial Year so far | Year-on-Year | ||||
| 2024-25 | 2025-26 | 2024 | 2025 | |||
| 1 | 2 | 3 | 4 | 5 | 6 | |
| 1 Liabilities to the Banking System | ||||||
| 1.1 Demand and Time Deposits from Banks | 308549 | -14306 | 16323 | -864 | 33953 | -2245 |
| 1.2 Borrowings from Banks | 83822 | 5163 | -50437 | -28154 | -60678 | -48170 |
| 1.3 Other Demand and Time Liabilities | 34246 | 3153 | -48029 | 4330 | -46048 | 9823 |
| 2 Liabilities to Others | ||||||
| 2.1 Aggregate Deposits | 24131870 | -128185 | 1592417 | 1551269 | 2276087 | 2064227 |
| 2.1a Growth (Per cent) | -0.5 | 7.8 | 6.9 | 11.5 | 9.4 | |
| 2.1.1 Demand | 2919952 | -93465 | 165869 | 221904 | 290218 | 310231 |
| 2.1.2 Time | 21211918 | -34720 | 1426549 | 1329365 | 1985869 | 1753996 |
| 2.2 Borrowings | 841792 | -37408 | 88992 | -73456 | 104943 | -25143 |
| 2.3 Other Demand and Time Liabilities | 1283932 | 228797 | 206210 | 222301 | 109077 | 140295 |
| 3 Borrowings from Reserve Bank | 26568 | 24424 | -114012 | -284898 | -47140 | -82136 |
| 4 Cash in Hand and Balances with Reserve Bank | 828816 | -32330 | 49234 | -135473 | 49316 | -241334 |
| 4.1 Cash in hand | 81335 | -1535 | -5455 | -539 | -455 | -2642 |
| 4.2 Balances with Reserve Bank | 747481 | -30794 | 54690 | -134934 | 49771 | -238692 |
| 5 Assets with the Banking System | ||||||
| 5.1 Balances with Other Banks | 264856 | -236 | 26067 | 49055 | 17513 | 40463 |
| 5.2 Money at Call and Short Notice | 34277 | -2150 | 10111 | 8440 | 8018 | 11811 |
| 5.3 Advances to Banks | 33206 | 735 | -7709 | -6298 | -14098 | -7454 |
| 5.4 Other Assets | 61415 | -10667 | -53449 | -5938 | -36048 | -559 |
| 6 Investments | 6881358 | -5114 | 450389 | 183430 | 596429 | 324411 |
| 6.1a Growth (Per cent) | -0.1 | 7.4 | 2.7 | 10.0 | 4.9 | |
| 6.1 Government Securities | 6880904 | -5113 | 450833 | 183605 | 596681 | 324461 |
| 6.2 Other Approved Securities | 454 | -1 | -444 | -176 | -252 | -50 |
| 7 Bank Credit | 19694564 | 165121 | 1154717 | 1450592 | 1807401 | 2107683 |
| 7.1a Growth (Per cent) | 0.8 | 7.0 | 8.0 | 11.5 | 12.0 | |
| 7a.1 Food Credit | 83950 | 4149 | 29226 | 47419 | 9808 | 31643 |
| 7a.2 Non-food credit | 19610614 | 160972 | 1125492 | 1403173 | 1797594 | 2076040 |
| 7b.1 Loans, Cash credit and Overdrafts | 19318008 | 160483 | 1139690 | 1408157 | 1768047 | 2044016 |
| 7b.2 Inland Bills - Purchased | 89932 | 1201 | 6594 | 14970 | 16425 | 22872 |
| 7b.3 Discounted | 251492 | 3484 | 10451 | 30433 | 22921 | 43683 |
| 7b.4 Foreign Bills - Purchased | 12860 | -93 | 293 | -2262 | 763 | -3844 |
| 7b.5 Discounted | 22271 | 47 | -2310 | -706 | -755 | 957 |
| Note: Data include the impact of merger of a non-bank with a bank w.e.f. July 1, 2023. As per the Banking Laws (Amendment) Act, 2025, the definition of fortnight has been revised from alternate Fridays to 15th and last calendar day of a month, w.e.f. December 15, 2025. |
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Analytical Accounts of Central Bank
Reserve Bank of India - Liabilities and Assets (January 09, 2026)
Date: Jan 09, 2026
| (₹ Crore) | |||||
| Item | 2025 | 2026 | Variation | ||
| Jan. 03 | Dec. 26 | Jan. 02 | Week | Year | |
| 1 | 2 | 3 | 4 | 5 | |
| 1 Notes Issued | 3525984 | 3888775 | 3890972 | 2197 | 364988 |
| 1.1 Notes in Circulation | 3525972 | 3888762 | 3890959 | 2197 | 364987 |
| 1.2 Notes held in Banking Department | 12 | 13 | 13 | 0 | 1 |
| 2 Deposits | |||||
| 2.1 Central Government | 101 | 101 | 101 | 0 | 0 |
| 2.2 Market Stabilisation Scheme | 0 | 0 | 0 | 0 | 0 |
| 2.3 State Governments | 42 | 42 | 42 | 0 | 0 |
| 2.4 Scheduled Commercial Banks | 908538 | 723173 | 775690 | 52517 | -132848 |
| 2.5 Scheduled State Co-operative Banks | 8502 | 6586 | 6883 | 296 | -1620 |
| 2.6 Other Banks | 50157 | 41188 | 41676 | 488 | -8481 |
| 2.7 Others | 406212 | 810697 | 588368 | -222328 | 182157 |
| 3 Other Liabilities | 1926522 | 2812972 | 2806303 | -6669 | 879781 |
| Total Liabilities/Assets | 6826059 | 8283534 | 8110036 | -173499 | 1283976 |
| 1 Foreign Currency Assets | 4715150 | 5056983 | 5007694 | -49289 | 292544 |
| 2 Gold | 575530 | 1018151 | 1003513 | -14638 | 427983 |
| 3 Rupee Securities (including Treasury Bills) | 1254773 | 1831927 | 1881318 | 49390 | 626545 |
| 4 Loans and Advances | |||||
| 4.1 Central Government | 0 | 0 | 0 | 0 | 0 |
| 4.2 State Governments | 36637 | 23359 | 35042 | 11683 | -1595 |
| 4.3 NABARD | 0 | 0 | 0 | 0 | 0 |
| 4.4 Scheduled Commercial Banks | 130502 | 197894 | 20841 | -177053 | -109661 |
| 4.5 Scheduled State Co-op.Banks | 0 | 0 | 0 | 0 | 0 |
| 4.6 Industrial Development Bank of India | - | - | - | - | - |
| 4.7 Export- Import Bank of India | - | - | - | - | - |
| 4.8 Others | 91401 | 124609 | 130006 | 5397 | 38605 |
| 5 Bills Purchased and Discounted | |||||
| 5.1 Commercial | - | - | - | - | - |
| 5.2 Treasury | - | - | - | - | - |
| 6 Investments | 2064 | 2064 | 2064 | 0 | 0 |
| 7 Other Assets | 20003 | 28547 | 29558 | 1011 | 9555 |
| * Data are provisional; difference, if any, is due to rounding off. | |||||
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