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Informist, Wednesday, Dec. 31, 2025

 

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--RBI: Banks' loans as on Dec 15 up INR 1.65 tln on fortnight 
--RBI: Banks' loans as on Dec 15 INR 196.95 tln, up 12% YoY 
--CONTEXT: Banks' loans were up 11.5% on year as on Nov 28 
--RBI: Banks' deposits as on Dec 15 down INR 1.28 tln on fortnight 
--RBI: Banks' deposits as on Dec 15 INR 241.32 tln, up 9.4% YoY 
--CONTEXT: Banks' deposits were up 10.2% YoY as on Nov 28 
--RBI: Banks' investments as on Dec 15 down INR 51.14 bln on fortnight 
--RBI: Banks' investments as on Dec 15 INR 68.81 tln, up 5% YoY 
--CONTEXT: Banks' investments were up 5.3% YoY as on Nov 28 

 

NEW DELHI – Banks' loans rose 12.0% on year as on Dec. 15, the quickest pace in over 14 months, according to data released by the Reserve Bank of India Wednesday. Deposits were up 9.4% on year as of Dec. 15, the slowest rise since December 2022.

 

Banks' loans were at INR 196.95 trillion as on Dec. 15, up INR 1.65 trillion on fortnight. Credit growth has picked up in recent months, driven by the festival season and the consumption boost from lower goods and services tax rates. Bank credit was up 11.5% on year as on Nov. 28 and 11.7% as on Dec. 12.

 

After the government amended the banking act, 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.

 

Deposits were at INR 241.32 trillion as on Dec. 15, down INR 1.28 trillion from a fortnight ago. Deposits were up 10.2% on year as on Nov. 28 and 9.7% as on Dec. 12.

 

Investments by banks increased 5.0% on year as of Dec. 15, slower than 5.3?ortnight ago. Investments by banks were at INR 68.81 trillion, down INR 51.14 billion from the previous fortnight. 

 

Scheduled Commercial Banks (including RRBs) (In INR billion):

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

Scheduled Commercial Banks (including RRBs)	13-Dec-2024	28-Nov-2025	15-Dec-2025
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3107.94	3228.56	3085.49
b) Borrowings from banks	1319.92	786.59	838.22
c) Other demand & time liabilities	244.23	310.93	342.46
II. Liabilities to Others (A)
a) Deposits (other than from banks)	220676.44	242600.55	241318.70
i) Demand	26097.22	30134.17	29199.52
ii) Time	194579.22	212466.38	212119.18
b) Borrowings @	8669.35	8791.99	8417.92
c) Other demand & time liabilities	11436.38	10551.35	12839.32
III. Borrowings from RBI (B)	1087.04	21.44	265.68
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	839.78	828.71	813.35
V. Balances with RBI (B)	9861.72	7782.75	7474.81
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	294.62	85.38	97.45
ii) In other accounts	1949.32	2565.55	2551.11
b) Money at call & short notice	224.66	364.27	342.77
c) Advances to banks (i.e., due from banks)#	406.59	324.70	332.06
d) Other assets	619.75	720.83	614.15
VII. Investments (at Book Value )	65569.47	68864.72	68813.58
a) Central & State Govt.securities+	65564.42	68860.17	68809.04
b) Other approved securities	5.04	4.55	4.54
VIII. Bank credit	175868.81	195294.43	196945.64
a) Loans, cash credits & overdrafts $	172739.93	191575.26	193180.08
b) Inland bills purchased	670.60	887.32	899.32
c) Inland bills discounted	2078.09	2480.08	2514.92
d) Foreign bills purchased	167.05	129.53	128.60
e) Foreign bills discounted	213.14	222.25	222.71

 

All Scheduled Banks (In INR billion):

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

ALL SCHEDULED BANKS (including RRBs)	13-Dec-2024	28-Nov-2025	15-Dec-2025
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3155.65	3301.92	3157.19
b) Borrowings from banks	1320.27	787.91	839.04
c) Other demand & time liabilities	247.25	315.59	347.61
II. Liabilities to Others (A)
a) Deposits (other than from banks)	225254.91	248086.32	246421.72
i) Demand	26582.33	30662.60	29715.83
ii) Time	198672.58	217423.71	216705.89
b) Borrowings @	8714.45	8846.74	8474.47
c) Other demand & time liabilities	11567.34	10717.70	12998.46
III. Borrowings from RBI (B)	1087.04	21.44	265.68
Against usance bills and / or promissory Notes	0.00	0.00	0.00
IV. Cash	863.29	855.74	839.16
V. Balances with RBI (B)	10066.15	7941.31	7638.33
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	320.34	106.58	115.84
ii) In other accounts	2464.51	3228.80	3165.18
b) Money at call & short notice	351.21	584.22	515.57
c) Advances to banks (i.e., due from banks) #	414.83	331.65	341.26
d) Other assets	652.20	813.00	673.57
VII. Investments (at Book Value )	67078.35	70675.74	70508.61
a) Central & State Govt.securities+	66997.43	70574.68	70407.96
b) Other approved securities	80.92	101.06	100.65
VIII. Bank credit	180387.26	200723.46	201807.61
a) Loans, cash credits & overdrafts $	177226.65	196985.75	198023.41
b) Inland bills purchased	685.04	889.53	901.44
c) Inland bills discounted	2089.37	2490.24	2525.32
d) Foreign bills purchased	169.32	131.88	130.89
e) Foreign bills discounted	216.88	226.05	226.55

 

* 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	13-Dec-2024	28-Nov-2025	15-Dec-2025
Scheduled Commercial Banks	523.07	798.01	839.50
State Co-operative Banks	506.16	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 Shubham Rana

Compiled by Shaheed Shaikh

Edited by Avishek Dutta
 

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