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Informist, Friday, Dec. 12, 2025

 

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--RBI: Banks' loans as on Nov 28 up INR 1.56 tln on fortnight 
--RBI: Banks' loans as on Nov 28 INR 195.27 tln, up 11.5% YoY 
--CONTEXT: Banks' loans were up 11.4% on year as on Nov 14 
--RBI: Banks' deposits as on Nov 28 up INR 1.66 tln on fortnight 
--RBI: Banks' deposits as on Nov 28 INR 242.60 tln, up 10.2% YoY 
--CONTEXT: Banks' deposits were up 10.2% YoY as on Nov 14 
--RBI: Banks' investments as on Nov 28 up INR 517.36 bln on fortnight 
--CONTEXT: Banks' investments were up 5.3% YoY as on Nov 14 
--RBI: Banks' investments as on Nov 28 INR 68.86 tln, up 5.3% YoY

 

MUMBAI – Banks' loans grew 11.5% on year as of Nov. 28, slightly higher than 11.4?ortnight ago, according to data released by the Reserve Bank of India Friday. Deposits grew 10.2% on year as of Nov. 28, at the same pace as a fortnight ago. 

 

Banks' loans were at INR 195.27 trillion on Nov. 28, up INR 1.56 trillion on fortnight. Credit growth has picked up in recent weeks driven by festival season and consumption boost from lower goods and services tax rates. 

 

Deposits were at INR 242.60 trillion as of Nov. 28, up 1.66 trillion from a fortnight ago. Investments by banks grew 5.3% on year as of Nov. 28, at a similar pace from a fortnight ago. Investments by banks were at INR 68.86 trillion, up INR 517.36 billion from the last fortnight.

 

Scheduled Commercial Banks (including RRBs):

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

Scheduled Commercial Banks (including RRBs)	29-Nov-2024	14-Nov-2025 *	28-Nov-2025 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	2737.22	3509.35	3228.55
b) Borrowings from banks	1375.97	815.34	796.70
c) Other demand & time liabilities	247.18	269.97	311.45
II. Liabilities to Others (A)
a) Deposits (other than from banks)	220174.66	240935.43	242600.40
i) Demand	25767.89	29916.67	30134.11
ii) Time	194406.77	211018.76	212466.29
b) Borrowings @	9510.23	8349.84	8781.89
c) Other demand & time liabilities	10217.81	10304.09	10554.45
III. Borrowings from RBI (B)	212.93	21.58	21.44
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	908.67	861.22	828.70
V. Balances with RBI (B)	10238.15	7820.80	7782.75
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	95.24	203.16	85.46
ii) In other accounts	1861.47	2586.36	2565.55
b) Money at call & short notice	190.91	265.83	364.27
c) Advances to banks (i.e., due from banks)#	386.41	322.35	324.70
d) Other assets	610.86	632.77	720.24
VII. Investments (at Book Value )	65389.15	68347.37	68864.72
a) Central & State Govt.securities+	65383.51	68342.81	68860.17
b) Other approved securities	5.65	4.55	4.55
VIII. Bank credit	175089.56	193709.49	195273.13
a) Loans, cash credits & overdrafts $	171986.15	190048.85	191554.07
b) Inland bills purchased	683.51	872.07	887.32
c) Inland bills discounted	2052.53	2440.79	2480.03
d) Foreign bills purchased	151.86	129.01	129.27
e) Foreign bills discounted	215.50	218.78	222.44

 

All Scheduled Banks:

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

ALL SCHEDULED BANKS (including RRBs)	29-Nov-2024	14-Nov-2025 *	28-Nov-2025 *
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	2785.00	3578.57	3301.91
b) Borrowings from banks	1376.20	815.61	797.48
c) Other demand & time liabilities	250.53	275.15	316.12
II. Liabilities to Others (A)
a) Deposits (other than from banks)	224734.75	245997.00	247649.87
i) Demand	26254.90	30436.14	30639.57
ii) Time	198479.85	215560.85	217010.29
b) Borrowings @	9558.99	8403.64	8836.64
c) Other demand & time liabilities	10347.28	10444.03	10706.52
III. Borrowings from RBI (B)	212.93	21.58	21.44
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	934.55	889.26	855.41
V. Balances with RBI (B)	10439.52	7979.73	7941.31
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	121.02	224.00	106.25
ii) In other accounts	2357.60	3215.33	3178.44
b) Money at call & short notice	278.28	458.20	560.85
c) Advances to banks (i.e., due from banks) #	393.01	330.43	331.65
d) Other assets	643.69	690.71	777.24
VII. Investments (at Book Value )	66915.04	70033.90	70548.88
a) Central & State Govt.securities+	66835.96	69935.42	70447.82
b) Other approved securities	79.08	98.49	101.06
VIII. Bank credit	179597.42	198542.31	200114.00
a) Loans, cash credits & overdrafts $	176462.43	194863.38	196376.41
b) Inland bills purchased	697.89	874.31	889.53
c) Inland bills discounted	2063.53	2450.95	2490.19
d) Foreign bills purchased	154.24	131.24	131.62
e) Foreign bills discounted	219.34	222.42	226.24

 

* 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	29-Nov-2024	14-Nov-2025 *	28-Nov-2025 *
Scheduled Commercial Banks	512.54	791.91	798.01
State Co-operative Banks	506.17	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 Pratiksha

Compiled by Shaheed Shaikh

Edited by Tanima Banerjee
 
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