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Informist, Monday, Mar. 30, 2026

 

--RBI: Banks' investments as on Mar 15 down INR 332.50 bln on fortnight 

--RBI: Banks' investments as on Mar 15 INR 69.23 tln, up 3.4% YoY

--CONTEXT: Banks' investments were up 3.1% YoY as on Feb 28 

 

NEW DELHI – Investments by banks grew 3.4% on year to INR 69.23 trillion as on Mar. 15, down INR 332.50 billion from the previous reporting fortnight, data released by the Reserve Bank of India Monday showed. However, the annual pace of investment growth rose in mid-March from 3.1% as on Feb. 28.

 

The central bank had released data for loan and deposit growth Friday. Bank credit and deposit growth slowed on an annual basis in the fortnight ended Mar. 15, the RBI's weekly statistical supplement showed. Bank loan growth slowed to 13.8% on year as of Mar. 15, down from 14.5%, according to data from the end of February.

 

Bank loans were at INR 207.70 trillion as of Mar. 15, up INR 186.72 billion from a fortnight ago. Non-food loans were at INR 206.95 trillion as of Mar. 15, up INR 264.65 billion from the previous fortnight. Food loans fell by INR 77.93 billion from the previous fortnight to INR 748.50 billion as of Mar. 15.

 

Deposits grew 10.8% on year to INR 250.11 trillion as of Mar. 15, down from 11.9% growth a fortnight ago. However, bank deposits as of Mar. 15 fell by INR 1.79 trillion, or nearly 1% from a fortnight ago.

 

In December, the government changed the definition of a reporting fortnight under the banking laws. The definition was 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. In the release Monday, the previous year's data was for Mar. 21, 2025.

 

Scheduled Commercial Banks (including RRBs) (figures in INR billion):
=====================================================================

Scheduled Commercial Banks (including RRBs)	21-Mar-2025 *	28-Feb-2026 *	15-Mar-2026 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3094.14	3616.84	3743.01
b) Borrowings from banks	1119.76	785.12	886.00
c) Other demand & time liabilities	299.16	363.55	402.79
II. Liabilities to Others (A)
a) Deposits (other than from banks)	225806.01	251901.45	250114.91
i) Demand	26980.49	32213.27	30828.06
ii) Time	198825.52	219688.18	219286.85
b) Borrowings @	9152.48	8830.14	8964.48
c) Other demand & time liabilities	10616.32	11221.18	13429.84
III. Borrowings from RBI (B)	3114.66	1249.16	1148.63
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	818.74	766.55	677.90
V. Balances with RBI (B)	8824.15	7458.04	7374.21
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	106.19	102.21	133.72
ii) In other accounts	2051.82	2714.60	2661.49
b) Money at call & short notice	258.38	239.25	411.22
c) Advances to banks (i.e., due from banks)#	395.04	419.12	445.13
d) Other assets	673.53	836.34	986.23
VII. Investments (at Book Value )	66979.28	69560.53	69228.02
a) Central & State Govt.securities+	66972.98	69555.51	69223.02
b) Other approved securities	6.30	5.02	5.01
VIII. Bank credit	182439.72	207512.07	207698.80
a) Loans, cash credits & overdrafts $	179098.51	203345.93	203592.45
b) Inland bills purchased	749.63	1012.12	1011.86
c) Inland bills discounted	2210.59	2790.23	2753.35
d) Foreign bills purchased	151.22	131.90	123.18
e) Foreign bills discounted	229.77	231.90	217.97

 

All Scheduled Banks (figures in INR billion):

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

ALL SCHEDULED BANKS (including RRBs)	21-Mar-2025 *	28-Feb-2026 *	15-Mar-2026 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3156.75	3693.71	3836.06
b) Borrowings from banks	1120.27	785.65	886.37
c) Other demand & time liabilities	303.10	368.11	407.88
II. Liabilities to Others (A)
a) Deposits (other than from banks)	230554.87	257154.92	255402.89
i) Demand	27482.63	32764.58	31393.40
ii) Time	203072.24	224390.35	224009.49
b) Borrowings @	9205.68	8876.95	9011.18
c) Other demand & time liabilities	10770.42	11387.66	13599.32
III. Borrowings from RBI (B)	3114.66	1249.16	1148.63
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	843.99	797.38	700.56
V. Balances with RBI (B)	9006.45	7617.18	7526.13
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	132.39	130.80	156.77
ii) In other accounts	2604.81	3365.75	3350.26
b) Money at call & short notice	451.30	469.81	687.19
c) Advances to banks (i.e., due from banks) #	438.56	458.88	484.69
d) Other assets	702.96	906.78	1057.18
VII. Investments (at Book Value )	68505.74	71301.07	70976.16
a) Central & State Govt.securities+	68420.24	71170.57	70842.91
b) Other approved securities	85.50	130.51	133.26
VIII. Bank credit	187082.86	212520.41	212751.00
a) Loans, cash credits & overdrafts $	183707.04	208334.50	208624.73
b) Inland bills purchased	765.23	1012.40	1012.13
c) Inland bills discounted	2223.20	2803.33	2766.72
d) Foreign bills purchased	153.57	134.08	125.39
e) Foreign bills discounted	233.82	236.11	222.03

 

* 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 INR billion)
Date	21-Mar-2025 *	28-Feb-2026 *	15-Mar-2026 *
Scheduled Commercial Banks	365.31	826.43	748.50
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.

Number of scheduled commercial banks as on current fortnight: 135

 

End

 

Reported by Aaryan Khanna and J. Navya Sruthi

Compiled by Mansi Patil

Edited by Rajeev Pai
 
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