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Informist, Wednesday, Apr. 15, 2026

 

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--RBI: Banks' loans as on Mar 31 up INR 5.92 tln on fortnight 
--RBI: Banks' loans as on Mar 31 INR 213.61 tln, up 16.1% YoY 
--CONTEXT: Banks' loans were up 13.8% on year as on Mar 15 
--RBI: Banks' deposits as on Mar 31 up INR 12.19 tln on fortnight 
--RBI: Banks' deposits as on Mar 31 INR 262.30 tln, up 13.5% YoY 
--CONTEXT: Banks' deposits were up 10.8% YoY as on Mar 15 
--RBI: Banks' investments as on Mar 31 up INR 381.18 bln on fortnight 
--RBI: Banks' investments as on Mar 31 INR 69.61 tln, up 4.5% YoY 
--CONTEXT: Banks' investments were up 3.4% YoY as on Mar 15

 

MUMBAI – Banks' loans grew over 16% on year in the fortnight ended Mar. 31, according to data released by the Reserve Bank of India Wednesday. Deposits grew 13.5% on year as of Mar. 31. 

 

Banks' loans were at INR 213.61 trillion as of Mar. 31, up INR 5.92 trillion from a fortnight ago. Banks' loans were up 13.8% on year as on Mar 15. Meanwhile, deposits were at INR 262.30 trillion as of Mar. 31, up 12.19 trillion from a fortnight ago. Banks' deposits were up 10.8% on year as on Mar. 15.  

 

In December, the government changed the definition of a reporting fortnight under 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. 

 

Investments by banks increased 4.5% on year as of Mar. 31, more than 3.4?ortnight ago. Investments by banks were at INR 69.61 trillion as of Mar. 31, up INR 381.18 billion from the previous fortnight. 

 

Scheduled Commercial Banks (including RRBs) (figures in INR billion):
=====================================================================

 

Scheduled Commercial Banks (including RRBs)	Apr. 4, 2025 ## *	Mar. 15, 2026*	Mar. 31, 2026*
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3,510.74	3,743.01	4,148.96
b) Borrowings from banks	1,057.62	886.00	847.14
c) Other demand & time liabilities	233.19	402.79	488.02
II. Liabilities to Others (A)
a) Deposits (other than from banks)	231,156.93	250,114.91	262,304.86
i) Demand	27,812.34	30,828.06	36,881.45
ii) Time	203,344.59	219,286.85	225,423.40
b) Borrowings @	9,205.96	8,964.48	8,073.31
c) Other demand & time liabilities	10,033.83	13,429.84	11,265.41
III. Borrowings from RBI (B) &	600.31	1,148.63	2,544.42
Against usance bills and / or promissory Notes
IV. Cash	774.19	677.90	874.03
V. Balances with RBI (B) &	9,303.37	7,374.21	7,557.51
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	99.83	133.72	141.25
ii) In other accounts	2,199.93	2,661.49	2,817.48
b) Money at call & short notice	331.81	411.22	268.19
c) Advances to banks (i.e., due from banks)#	417.27	445.13	433.89
d) Other assets	693.68	986.23	1,081.60
VII. Investments (at Book Value )	66,643.91	69,228.02	69,609.20
a) Central & State Govt.securities+	66,636.13	69,223.02	69,604.31
b) Other approved securities	7.77	5.01	4.89
VIII. Bank credit	184,020.83	207,698.80	213,614.35
a) Loans, cash credits & overdrafts $	180,460.94	203,592.45	209,208.23
b) Inland bills purchased	821.50	1,011.86	1,100.92
c) Inland bills discounted	2,346.14	2,753.35	2,930.51
d) Foreign bills purchased	158.81	123.18	147.93
e) Foreign bills discounted	233.44	217.97	226.76

 

All Scheduled Banks (figures in INR billion):

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

ALL SCHEDULED BANKS (including RRBs)	Apr 4, 2025 ## *	Mar 15, 2026*	Mar 31, 2026*
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3,576.31	3,836.06	4,243.94
b) Borrowings from banks	1,057.62	886.37	847.14
c) Other demand & time liabilities	236.31	407.88	492.49
II. Liabilities to Others (A)
a) Deposits (other than from banks)	236,164.75	255,402.89	267,833.21
i) Demand	28,343.38	31,393.40	37,531.97
ii) Time	207,821.37	224,009.49	230,301.24
b) Borrowings @	9,248.85	9,011.18	8,119.94
c) Other demand & time liabilities	10,172.41	13,599.23	11,415.31
III. Borrowings from RBI (B) &	600.31	1,148.63	2,544.42
Against usance bills and / or promissory Notes
IV. Cash	806.12	700.56	907.88
V. Balances with RBI (B) &	9,484.47	7,526.13	7,716.75
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	126.66	156.77	183.78
ii) In other accounts	2,828.64	3,350.26	3,509.45
b) Money at call & short notice	610.66	687.19	643.25
c) Advances to banks (i.e., due from banks) #	457.08	484.69	476.61
d) Other assets	730.02	1,057.18	1,146.62
VII. Investments (at Book Value)	68,190.14	70,976.16	71,409.21
a) Central & State Govt.securities+	68,103.31	70,842.91	71,292.93
b) Other approved securities	86.83	133.26	116.28
VIII. Bank credit	188,734.17	212,751.00	218,859.70
a) Loans, cash credits & overdrafts $	185,126.55	208,624.73	214,431.66
b) Inland bills purchased	848.33	1,012.13	1,101.22
c) Inland bills discounted	2,360.55	2,766.72	2,945.37
d) Foreign bills purchased	161.26	125.39	150.23
e) Foreign bills discounted	237.49	222.03	231.22

 

* Provisional figures incorporated in respect of such banks as have not been able to submit final figures.

 

Notes :

     ## These figures relates to corresponding reporting Friday of previous year (as per old fortnight definition) and it shall continue till the publication of Press Communique as on November 30th, 2026.

    (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 Reserve Bank and balances with 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.Following a change in the accounting practise for LAF transactions with effect from July 11, 2014, as per the recommendations of Malegam Committee formed to Review the Format of Balance Sheet and the Profit and Loss Account of the Bank, the transactions in case of Repo / Term Repo / MSF are reflected under 'Borrowings from RBI'.

    # 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.  

    & Data for ""BORROWINGS FROM R.B.I" and "BALANCES WITH R.B.I" pertain to March 30, 2026 as the data for March 31, 2026 will be available post publication of the RBI balance sheet by end-May 2026.

 

Food Credit Outstanding as on
(in INR billion)
Date	Apr 4, 2025 ## *	Mar 15, 2026*	Mar 31, 2026*
Scheduled Commercial Banks	293.57	748.50	702.71
State Co-operative Banks	506.13	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.

Number of scheduled commercial banks as on current fortnight: 121

Number of Scheduled State Co-operative Banks as on Current Fortnight : 25

Number of Scheduled Primary(Urban) Co-operative Banks as on Current Fortnight : 51

 

End

 

Reported by Nandini Sinha

Compiled by Vinodini Yadav

Edited by Tanima Banerjee
 

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