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Informist, Friday, Nov. 14, 2025

 

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--RBI: Banks' loans as on Oct 31 up INR 1.78 tln on fortnight
--RBI: Banks' loans as on Oct 31 INR 193.905 tln, up 11.3% YoY
--CONTEXT: Banks' loans were up 11.5% on year as on Oct 17
--RBI: Banks' deposits as on Oct 31 up INR 2.91 tln on fortnight
--RBI: Banks' deposits as on Oct 31 INR 241.739 tln, up 9.7% YoY
--CONTEXT: Banks' deposits were up 9.5% YoY as on Oct 17
--RBI: Banks' investments as on Oct 31 up INR 48.36 bln on fortnight
--RBI: Banks' investments as on Oct 31 INR 68.899 tln, up 5.1% YoY
--CONTEXT: Banks' investments were up 6.1% YoY as on Oct 17

 

NEW DELHI – Banks' loan growth moderated slightly to 11.3% on year as on Oct. 31 from a nine-month-high pace in the previous fortnight, according to data released by the Reserve Bank of India Friday. On the other hand, deposit growth picked up pace to 9.7% on year at October-end.

 

Banks' loans were INR 193.91 trillion at the end of October. As of Oct. 17, bank loans had grown 11.5% on year, the quickest pace since the fortnight ended Jan. 10, driven by the festival season and consumption boost from lower goods and services tax rates. Though the pace of loan growth slowed, bank credit was up INR 1.78 trillion from a fortnight ago.

 

Deposits were at INR 241.74 trillion as of Oct. 31, growing 9.7% on year, from the 9.5% rise seen in the fortnight ended Oct. 17. Deposits also surged INR 2.91 trillion from the previous fortnight. Investments by banks grew 5.1% on year as of Oct. 31, compared with growth of 6.1?ortnight ago. Investments by banks stood at INR 68.90 trillion, up from INR 68.85 trillion a fortnight ago.

 

Scheduled Commercial Banks (including RRBs):
===========================================

Scheduled Commercial Banks (including RRBs)	01-Nov-2024 *	17-Oct-2025 *	31-Oct-2025 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	2898.64	3172.20	3237.77
b) Borrowings from banks	1358.98	841.69	859.27
c) Other demand & time liabilities	249.70	257.37	275.04
II. Liabilities to Others (A)
a) Deposits (other than from banks)	220275.35	238832.93	241738.58
i) Demand	25627.42	29736.98	31008.79
ii) Time	194647.94	209095.95	210729.79
b) Borrowings @	8634.54	8607.98	8462.41
c) Other demand & time liabilities	9502.35	10924.16	10832.01
III. Borrowings from RBI (B)	90.32	87.33	54.89
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	929.56	877.47	877.03
V. Balances with RBI (B)	9919.70	8274.61	8429.47
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	107.11	121.12	160.41
ii) In other accounts	1957.98	2312.12	2306.22
b) Money at call & short notice	219.35	169.05	152.40
c) Advances to banks (i.e., due from banks)#	436.05	317.61	327.19
d) Other assets	607.58	572.67	639.15
VII. Investments (at Book Value )	65573.53	68850.74	68899.10
a) Central & State Govt.securities+	65567.90	68844.59	68894.15
b) Other approved securities	5.63	6.15	4.95
VIII. Bank credit	174195.32	192124.29	193905.00
a) Loans, cash credits & overdrafts $	171058.04	188463.45	190262.64
b) Inland bills purchased	679.18	866.83	859.25
c) Inland bills discounted	2077.86	2442.16	2435.00
d) Foreign bills purchased	154.57	129.18	127.26
e) Foreign bills discounted	225.66	222.67	220.84

 

All Scheduled Banks:

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

ALL SCHEDULED BANKS (including RRBs)	01-Nov-2024 *	17-Oct-2025 *	31-Oct-2025 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	2943.54	3242.77	3309.14
b) Borrowings from banks	1360.48	841.77	859.27
c) Other demand & time liabilities	253.04	262.42	279.64
II. Liabilities to Others (A)
a) Deposits (other than from banks)	224857.08	243882.28	246777.12
i) Demand	26125.09	30256.40	31515.70
ii) Time	198731.99	213625.89	215261.42
b) Borrowings @	8684.64	8656.66	8508.02
c) Other demand & time liabilities	9626.59	11078.05	10981.67
III. Borrowings from RBI (B)	90.32	87.33	54.89
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	959.09	907.99	905.24
V. Balances with RBI (B)	10120.90	8444.36	8599.21
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	140.69	142.12	198.31
ii) In other accounts	2450.34	2931.97	2926.05
b) Money at call & short notice	338.18	357.86	323.54
c) Advances to banks (i.e., due from banks) #	442.25	326.52	335.45
d) Other assets	638.82	627.15	697.55
VII. Investments (at Book Value )	67100.41	70525.56	70589.68
a) Central & State Govt.securities+	67017.67	70422.14	70492.63
b) Other approved securities	82.74	103.42	97.05
VIII. Bank credit	178731.92	196940.65	198728.98
a) Loans, cash credits & overdrafts $	175561.99	193262.23	195068.69
b) Inland bills purchased	694.10	869.10	861.42
c) Inland bills discounted	2089.29	2452.05	2445.01
d) Foreign bills purchased	157.03	131.03	129.12
e) Foreign bills discounted	229.51	226.25	224.73

 

* 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	01-Nov-2024 *	17-Oct-2025 *	31-Oct-2025 *
Scheduled Commercial Banks	300.55	524.90	703.71
State Co-operative Banks	506.18	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 Aaryan Khanna

Compiled by Mansi Patil

Edited by Rajeev Pai
 

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