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Informist, Friday, Jul. 31, 2026

--RBI: Banks' investments as on Jul 15 up INR 476.65 bln on fortnight 

--CONTEXT: Banks' investments were up 5.8% YoY as on Jun 30 

--RBI: Banks' investments as on Jul 15 INR 71.35 tln, up 6.2% YoY 

MUMBAI – Investments by banks rose 6.2% on year to INR 71.35 trillion as on Jul. 15, and were up INR 476.65 billion from the previous reporting fortnight, data released by the Reserve Bank of India Friday showed. The annual pace of investment growth rose from 5.8% as of Jun. 30.

Data released Friday showed bank loan growth was 17.7% on year as on Jul. 15, with advances rising to INR 217.33 trillion. Banks' deposits rose 12.7% on year to INR 262.85 trillion. The pace of growth for both loans and deposits fell from 18.6% on year and 13.3% on year, respectively, as of Jun. 30. 

In December, the government had 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, SFBs and PBs):
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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 : 119

No. of Scheduled State Co-operative Banks as on Current Fortnight : 26

No. of Scheduled Primary(Urban) Co-operative Banks as on Current Fortnight : 55

End

Reported by J. Navya Sruthi

Compiled by Mansi Patil

Edited by Avishek Dutta
 
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