Data Alert
Banks' loans up 11.4% YoY as of Nov 14, deposit growth rises
This story was originally published at 15:07 IST on 28 November 2025
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--RBI: Banks' loans as on Nov 14 down INR 478.95 bln on fortnight
--RBI: Banks' loans as on Nov 14 INR 193.56 tln, up 11.4% YoY
--CONTEXT: Banks' loans were up 11.3% on year as on Oct 31
--RBI: Banks' deposits as on Nov 14 down INR 822.25 bln on fortnight
--RBI: Banks' deposits as on Nov 14 INR 240.94 tln, up 10.2% YoY
--CONTEXT: Banks' deposits were up 9.7% YoY as on Oct 31
--RBI: Banks' investments as on Nov 14 down INR 542.25 bln on fortnight
--RBI: Banks' investments as on Nov 14 INR 68.36 tln, up 5.3% YoY
--CONTEXT: Banks' investments were up 5.1% YoY as on Oct 31
NEW DELHI – Banks' loans grew 11.4% on year as of Nov. 14, slightly higher than 11.3% a fortnight ago, according to data released by the Reserve Bank of India Friday. Deposit growth picked up pace to 10.2% as of Nov. 14 from 9.7% at October-end.
Banks' loans were at INR 193.56 trillion on Nov. 14, down INR 478.95 billion on fortnight. Credit growth has picked up in recent weeks driven by festival season and consumption boost from lower goods and services tax rates.
Deposits were at INR 240.94 trillion as of Nov. 14, down 822.25 billion from a fortnight ago. Investments by banks grew 5.3% on year as of Nov. 14, compared with growth of 5.1% a fortnight ago. Investments by banks stood at INR 68.36 trillion, down INR 542.25 billion from the end of October.
Scheduled Commercial Banks (including RRBs):
===========================================
| Scheduled Commercial Banks (including RRBs) | 15-Nov-2024 * | 31-Oct-2025 * | 14-Nov-2025 * |
| I. Liabilities to the Banking System (A) | |||
| a) Demand & time deposits from banks** | 2860.37 | 3245.92 | 3509.45 |
| b) Borrowings from banks | 1352.64 | 851.06 | 815.34 |
| c) Other demand & time liabilities | 246.50 | 274.65 | 269.97 |
| II. Liabilities to Others (A) | |||
| a) Deposits (other than from banks) | 218558.90 | 241757.57 | 240935.32 |
| i) Demand | 25155.58 | 31009.47 | 29916.66 |
| ii) Time | 193403.32 | 210748.10 | 211018.67 |
| b) Borrowings @ | 9173.63 | 8462.41 | 8341.89 |
| c) Other demand & time liabilities | 9409.83 | 10827.68 | 10262.65 |
| III. Borrowings from RBI (B) | 66.23 | 54.89 | 21.58 |
| Against usance bills and / or promissory Notes | 0.00 | 0.00 | 0.00 |
| IV. Cash | 938.59 | 875.63 | 861.22 |
| V. Balances with RBI (B) | 10084.50 | 8429.47 | 7820.80 |
| VI. Assets with Banking System | |||
| a) Balances with other banks | |||
| i) In current accounts | 103.62 | 160.06 | 203.20 |
| ii) In other accounts | 2009.48 | 2305.72 | 2586.36 |
| b) Money at call & short notice | 217.27 | 157.90 | 265.83 |
| c) Advances to banks (i.e., due from banks)# | 411.22 | 327.19 | 322.35 |
| d) Other assets | 611.43 | 639.13 | 632.77 |
| VII. Investments (at Book Value ) | 64899.77 | 68899.10 | 68356.85 |
| a) Central & State Govt.securities+ | 64893.97 | 68894.15 | 68352.30 |
| b) Other approved securities | 5.80 | 4.95 | 4.55 |
| VIII. Bank credit | 173628.18 | 193936.55 | 193457.90 |
| a) Loans, cash credits & overdrafts $ | 170566.12 | 190294.03 | 189797.26 |
| b) Inland bills purchased | 668.47 | 859.41 | 872.07 |
| c) Inland bills discounted | 2027.87 | 2435.56 | 2440.18 |
| d) Foreign bills purchased | 150.11 | 127.17 | 129.04 |
| e) Foreign bills discounted | 215.60 | 220.39 | 219.37 |
All Scheduled Banks:
===================
| ALL SCHEDULED BANKS (including RRBs) | 15-Nov-2024 * | 31-Oct-2025 * | 14-Nov-2025 * |
| I. Liabilities to the Banking System (A) | |||
| a) Demand & time deposits from banks** | 2912.22 | 3317.29 | 3578.67 |
| b) Borrowings from banks | 1353.38 | 851.06 | 815.61 |
| c) Other demand & time liabilities | 250.07 | 279.26 | 275.15 |
| II. Liabilities to Others (A) | |||
| a) Deposits (other than from banks) | 223140.99 | 246796.11 | 245996.89 |
| i) Demand | 25647.05 | 31516.38 | 30436.13 |
| ii) Time | 197493.94 | 215279.72 | 215560.76 |
| b) Borrowings @ | 9222.49 | 8508.02 | 8395.69 |
| c) Other demand & time liabilities | 9536.43 | 10977.33 | 10402.60 |
| III. Borrowings from RBI (B) | 66.23 | 54.89 | 21.58 |
| Against usance bills and / or promissory Notes | 0.00 | 0.00 | 0.00 |
| IV. Cash | 966.84 | 903.83 | 889.27 |
| V. Balances with RBI (B) | 10284.76 | 8599.21 | 7979.73 |
| VI. Assets with Banking System | |||
| a) Balances with other banks | |||
| i) In current accounts | 127.44 | 197.96 | 224.04 |
| ii) In other accounts | 2530.91 | 2925.55 | 3215.33 |
| b) Money at call & short notice | 327.24 | 329.04 | 458.20 |
| c) Advances to banks (i.e., due from banks) # | 417.42 | 335.45 | 330.43 |
| d) Other assets | 643.57 | 697.53 | 690.71 |
| VII. Investments (at Book Value ) | 66427.77 | 70589.68 | 70043.39 |
| a) Central & State Govt.securities+ | 66346.47 | 70492.63 | 69944.90 |
| b) Other approved securities | 81.30 | 97.05 | 98.49 |
| VIII. Bank credit | 178187.21 | 198760.54 | 198290.72 |
| a) Loans, cash credits & overdrafts $ | 175093.83 | 195100.08 | 194611.79 |
| b) Inland bills purchased | 682.82 | 861.57 | 874.31 |
| c) Inland bills discounted | 2038.79 | 2445.57 | 2450.34 |
| d) Foreign bills purchased | 152.57 | 129.04 | 131.26 |
| e) Foreign bills discounted | 219.20 | 224.28 | 223.01 |
* 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 | 15-Nov-2024 * | 31-Oct-2025 * | 14-Nov-2025 * |
| Scheduled Commercial Banks | 451.57 | 703.71 | 791.91 |
| State Co-operative Banks | 506.17 | 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 Shaheed Shaikh
Edited by Vandana Hingorani
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