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Informist, Thursday, Oct. 30, 2025

 

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--RBI: Banks' loans as on Oct 17 down INR 494.68 bln on fortnight 
--RBI: Banks' loans as on Oct 17 INR 192.12 tln, up 11.5% YoY 
--CONTEXT: Banks' loans were up 11.4% on year as on Oct 3 
--RBI: Banks' deposits as on Oct 17 down INR 2.15 tln on fortnight 
--RBI: Banks' deposits as on Oct 17 INR 238.83 tln, up 9.5% YoY 
--CONTEXT: Banks' deposits were up 9.9% YoY as on Oct 3 
--RBI: Banks' investments as on Oct 17 up INR 88.36 bln on fortnight 
--RBI: Banks' investments as on Oct 17 INR 68.85 tln, up 6.1% YoY 
--CONTEXT: Banks' investments were up 6.5% YoY as on Oct 3 

 

NEW DELHI – The year-on-year growth in bank loans rose to an eight-month high of 11.5% as of Oct. 17, driven by the festival season and consumption boost from the lower Goods and Services Tax rates. Deposit growth, on the other hand, slowed down to 9.5% in the fortnight ended Oct. 17, as per data released by the Reserve Bank of India Thursday.

 

As of Oct. 17, bank's loans were INR 192.12 trillion, up 11.5% on year, the highest since the fortnight ended Jan. 10. Bank credit, however, fell INR 494.68 billion from a fortnight ago. Bank credit was up 11.4% on year as on Oct. 3. 

 

Deposits were at INR 238.83 trillion as of Oct. 17, up 9.5% on year. Deposits were down by INR 2.15 trillion from the previous fortnight. Investments by banks grew 6.1% on year as of Oct. 17, compared with growth of 6.5?ortnight ago. Investments by banks stood at INR 68.85 trillion, up INR 88.36 billion from a fortnight ago.

 

Scheduled Commercial Banks (including RRBs):
===========================================

Scheduled Commercial Banks (including RRBs)	18-Oct-2024 *	03-Oct-2025 *	17-Oct-2025 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	2940.03	3191.63	3172.02
b) Borrowings from banks	1307.76	839.13	841.69
c) Other demand & time liabilities	232.57	284.35	279.74
II. Liabilities to Others (A)
a) Deposits (other than from banks)	218083.32	240986.41	238832.78
i) Demand	25446.08	30715.96	29731.55
ii) Time	192637.24	210270.45	209101.23
b) Borrowings @	8653.97	8559.30	8609.93
c) Other demand & time liabilities	9506.16	10468.40	10977.38
III. Borrowings from RBI (B)	77.56	15.12	87.33
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	912.69	900.80	876.38
V. Balances with RBI (B)	9845.41	8835.96	8274.61
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	92.11	94.51	118.79
ii) In other accounts	2008.26	2248.20	2312.13
b) Money at call & short notice	179.47	241.85	169.05
c) Advances to banks (i.e., due from banks)#	468.94	304.65	317.61
d) Other assets	650.22	582.07	572.67
VII. Investments (at Book Value )	64910.08	68762.78	68851.14
a) Central & State Govt.securities+	64902.67	68757.01	68844.99
b) Other approved securities	7.41	5.77	6.15
VIII. Bank credit	172376.74	192613.32	192118.65
a) Loans, cash credits & overdrafts $	169213.23	188953.29	188457.70
b) Inland bills purchased	680.83	856.84	866.95
c) Inland bills discounted	2102.39	2437.48	2442.16
d) Foreign bills purchased	158.26	139.49	129.18
e) Foreign bills discounted	222.03	226.22	222.67

 

All Scheduled Banks:

===================

ALL SCHEDULED BANKS (including RRBs)	18-Oct-2024 *	03-Oct-2025 *	17-Oct-2025 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	2986.12	3274.66	3242.59
b) Borrowings from banks	1308.06	839.50	841.77
c) Other demand & time liabilities	235.86	289.36	284.79
II. Liabilities to Others (A)
a) Deposits (other than from banks)	222651.68	245997.70	243882.14
i) Demand	25931.26	31234.91	30250.97
ii) Time	196720.42	214762.80	213631.17
b) Borrowings @	8700.10	8604.55	8658.61
c) Other demand & time liabilities	9621.63	10613.21	11131.26
III. Borrowings from RBI (B)	77.56	15.12	87.33
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	938.65	929.69	906.90
V. Balances with RBI (B)	10042.72	9016.95	8444.36
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	118.33	116.36	139.79
ii) In other accounts	2502.72	2852.02	2931.99
b) Money at call & short notice	315.03	425.16	357.86
c) Advances to banks (i.e., due from banks) #	475.29	314.22	326.52
d) Other assets	682.69	638.39	645.21
VII. Investments (at Book Value )	66429.16	70447.18	70525.96
a) Central & State Govt.securities+	66335.72	70349.57	70422.54
b) Other approved securities	93.44	97.61	103.42
VIII. Bank credit	176847.75	197404.18	196935.00
a) Loans, cash credits & overdrafts $	173651.25	193726.56	193256.47
b) Inland bills purchased	696.18	859.12	869.21
c) Inland bills discounted	2113.65	2447.25	2452.05
d) Foreign bills purchased	160.65	141.53	131.03
e) Foreign bills discounted	226.03	229.72	226.25

 

* Provisional figures incorporated in respect of such banks as have not been able to submit final figures.
Notes :

    (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.
    (B) The figures relating to Scheduled Commercial Banks' Borrowings in India from the Reserve Bank and balances with the Reserve 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.
    # 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 State Co-operative Banks to Public Food Procurement Agencies viz. Food Corporation of India, State Governments and their agencies under the Food Consortium.  

 

Food Credit Outstanding as on
( in Billions)
Date	18-Oct-2024 *	03-Oct-2025 *	17-Oct-2025 *
Scheduled Commercial Banks	186.54	426.59	524.90
State Co-operative Banks	496.25	519.74	519.74

 

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: 135

End

 

Reported by Shubham Rana

Compiled by Mansi Patil

Edited by Saji George Titus
 
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