Data Alert
Banks' loans rise 14.5% on year as of Feb 28, deposits up 11.9%
This story was originally published at 12:09 IST on 13 March 2026
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--RBI: Banks' loans as on Feb 28 up INR 3.23 tln on fortnight
--RBI: Banks' loans as on Feb 28 INR 207.54 tln, up 14.5% YoY
--CONTEXT: Banks' loans were up 13.6% on year as on Feb 15
--RBI: Banks' deposits as on Feb 28 up INR 4.16 tln on fortnight
--RBI: Banks' deposits as on Feb 28 INR 251.90 tln, up 11.9% YoY
--CONTEXT: Banks' deposits were up 11.2% YoY as on Feb 15
--RBI: Banks' investments as on Feb 28 up INR 931.30 bln on fortnight
--RBI: Banks' investments as on Feb 28 INR 69.46 tln, up 3.1% YoY
--CONTEXT: Banks' investments were up 3.0% YoY as on Feb 15
NEW DELHI – Bank credit growth picked up pace in the fortnight ended Feb. 28, having moderated in the previous fortnight. Deposit growth, too, improved in the reporting fortnight, data released by the Reserve Bank of India Friday showed.
Bank loans were up 14.5% on year as of Feb. 28, higher than the on-year growth of 13.6% as of Feb. 15. Loans were up INR 3.23 trillion from a fortnight ago at INR 207.54 trillion as of Feb. 28.
Deposits grew 11.9% on year as of Feb. 28, quicker than the 11.2% growth seen a fortnight ago. Bank deposits as of Feb. 28 were INR 251.90 trillion, up INR 4.16 trillion from a fortnight ago.
Investments by banks grew 3.1% on year to INR 69.46 trillion as of Feb. 28. They were up INR 931.30 billion from the last fortnight.
The year-ago figures for loans, deposits, and investments are for Mar. 7, 2025. The government late last year changed the definition of a reporting fortnight under the Banking Laws. Under the amended regulation, the definition of "fortnight" has been changed from a Saturday-to-Friday cycle to a clearly defined two-part monthly period--either the 1st to the 15th of each month or the 16th to the last day of the month, both days inclusive.
Scheduled Commercial Banks (including RRBs) (In INR billion):
=============================================================
| Scheduled Commercial Banks (including RRBs) | Mar 7, 2025 ## | Feb 15, 2026 | Feb 28, 2026 |
| I. Liabilities to the Banking System (A) | |||
| a) Demand & time deposits from banks** | 2,843.22 | 3,454.94 | 3,617.11 |
| b) Borrowings from banks | 1,133.76 | 743.19 | 785.13 |
| c) Other demand & time liabilities | 388.44 | 366.09 | 364.00 |
| II. Liabilities to Others (A) | |||
| a) Deposits (other than from banks) | 225,101.18 | 247,737.60 | 251,901.81 |
| i) Demand | 25,414.77 | 30,201.05 | 32,213.73 |
| ii) Time | 199,686.41 | 217,536.55 | 219,688.08 |
| b) Borrowings @ | 9,391.08 | 9,051.64 | 8,830.02 |
| c) Other demand & time liabilities | 10,547.26 | 11,293.60 | 11,211.92 |
| III. Borrowings from RBI (B) | 1,834.36 | 1,266.81 | 1,249.16 |
| Against usance bills and / or promissory Notes | |||
| IV. Cash | 831.29 | 730.91 | 769.95 |
| V. Balances with RBI (B) | 8,872.67 | 7,225.85 | 7,458.04 |
| VI. Assets with Banking System | |||
| a) Balances with other banks | |||
| i) In current accounts | 102.04 | 90.83 | 102.38 |
| ii) In other accounts | 1,965.03 | 2,684.40 | 2,718.78 |
| b) Money at call & short notice | 281.86 | 191.41 | 239.25 |
| c) Advances to banks (i.e., due from banks)# | 389.08 | 375.81 | 419.12 |
| d) Other assets | 627.78 | 841.66 | 836.35 |
| VII. Investments (at Book Value ) | 67,373.20 | 68,526.37 | 69,457.67 |
| a) Central & State Govt.securities+ | 67,368.26 | 68,521.35 | 69,452.66 |
| b) Other approved securities | 4.94 | 5.02 | 5.02 |
| VIII. Bank credit | 181,254.13 | 204,315.30 | 207,540.78 |
| a) Loans, cash credits & overdrafts $ | 177,967.35 | 200,232.99 | 203,377.15 |
| b) Inland bills purchased | 739.40 | 973.17 | 993.67 |
| c) Inland bills discounted | 2,167.15 | 2,738.46 | 2,788.64 |
| d) Foreign bills purchased | 150.73 | 143.46 | 149.20 |
| e) Foreign bills discounted | 229.50 | 227.23 | 232.12 |
All Scheduled Banks (In INR billion):
=====================================
| ALL SCHEDULED BANKS (including RRBs) | Mar 7, 2025 ## | Feb 15, 2026 | Feb 28, 2026 |
| I. Liabilities to the Banking System (A) | |||
| a) Demand & time deposits from banks** | 2,892.53 | 3,539.28 | 3,693.98 |
| b) Borrowings from banks | 1,133.96 | 743.88 | 785.66 |
| c) Other demand & time liabilities | 392.14 | 372.03 | 368.56 |
| II. Liabilities to Others (A) | |||
| a) Deposits (other than from banks) | 229,792.53 | 252,954.38 | 257,155.28 |
| i) Demand | 25,901.63 | 30,752.03 | 32,765.03 |
| ii) Time | 203,890.89 | 222,202.34 | 224,390.25 |
| b) Borrowings @ | 9,443.07 | 9,097.96 | 8,876.84 |
| c) Other demand & time liabilities | 10,691.75 | 11,442.98 | 11,378.41 |
| III. Borrowings from RBI (B) | 1,834.36 | 1,266.81 | 1,249.16 |
| Against usance bills and / or promissory Notes | |||
| IV. Cash | 854.25 | 760.48 | 800.78 |
| V. Balances with RBI (B) | 9,055.70 | 7,376.99 | 7,617.18 |
| VI. Assets with Banking System | |||
| a) Balances with other banks | |||
| i) In current accounts | 124.77 | 113.19 | 130.97 |
| ii) In other accounts | 2,498.52 | 3,315.11 | 3,370.93 |
| b) Money at call & short notice | 482.22 | 380.78 | 469.81 |
| c) Advances to banks (i.e., due from banks) # | 436.79 | 411.99 | 458.88 |
| d) Other assets | 657.74 | 908.51 | 906.79 |
| VII. Investments (at Book Value ) | 68,908.83 | 70,261.19 | 71,198.22 |
| a) Central & State Govt.securities+ | 68,827.90 | 70,132.76 | 71,067.71 |
| b) Other approved securities | 80.94 | 128.43 | 130.51 |
| VIII. Bank credit | 185,865.96 | 209,304.80 | 212,549.12 |
| a) Loans, cash credits & overdrafts $ | 182,537.94 | 205,202.81 | 208,365.72 |
| b) Inland bills purchased | 762.27 | 973.46 | 993.94 |
| c) Inland bills discounted | 2,179.29 | 2,751.54 | 2,801.75 |
| d) Foreign bills purchased | 153.17 | 145.53 | 151.37 |
| e) Foreign bills discounted | 233.30 | 231.45 | 236.33 |
* Provisional figures incorporated in respect of such banks as have not been able to submit final figures.
Notes :
## 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.
(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 INR billion) | |||
| Date | Mar 7, 2025 ## | Feb 15, 2026 | Feb 28, 2026 |
| Scheduled Commercial Banks | 425.52 | 853.06 | 826.43 |
| State Co-operative Banks | 506.14 | 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 : 121
No. of Scheduled State Co-operative Banks as on Current Fortnight : 25
No. of Scheduled Primary(Urban) Co-operative Banks as on Current Fortnight : 51
End
Reported by Shubham Rana
Compiled by Vinodini Yadav
Edited by Deepshikha Bhardwaj
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