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Informist, Tuesday, Jun. 30, 2026

NEW DELHI – The continued pace of bank loan growth in the June quarter pushed up banks' credit-deposit ratio to a record high as of Jun. 15, according to data released by the Reserve Bank of India Tuesday. The credit-deposit ratio expanded to 83.38% from 82.74% a fortnight ago as outstanding loans rose more than deposits during the period. The previous record was 83.04% as of Mar. 15.

Banks' loans rose 17.65% on year to INR 215.16 trillion as of Jun. 15, keeping up the annual pace from the data released for May 31. Bank credit grew by INR 317.14 billion in the first half of June. However, deposits fell INR 1.61 trillion in the same period to INR 258.42 trillion as on Jun. 15. Deposits were up only 12.0% on year as of mid-June, lower than 12.2% growth as on May 31. 

Despite the rising credit-deposit ratio, investments by banks picked up pace with the year-on-year growth as on Jun. 15 the highest since mid-October. Banks' investments grew 5.65% on year to INR 70.70 trillion as on Jun. 15, up INR 351.94 billion on fortnight.

In December, the government 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):
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All Scheduled Banks:

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* 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.  

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 Aaryan Khanna

Compiled by Mansi Patil

Edited by Akul Nishant Akhoury
 
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