More Stories

Informist, Wednesday, Apr. 29, 2026

--RBI: Banks' investments as on Apr 15 INR 68.84 tln down on fortnight 

--RBI: Banks' investments as on Apr 15 INR 68.84 tln, up 2.9% YoY 

--CONTEXT: Banks' investments were up 4.5% YoY as on Mar 31 

MUMBAI – Investments by banks grew 2.9% on year to INR 68.84 trillion as on Apr. 15, but were down INR 767.32 billion from the previous reporting fortnight, data released by the Reserve Bank of India Wednesday showed. The annual pace of investment growth eased in mid-April from 4.5% as of Mar. 31.

Bank loans rose 15% on year as of Apr. 15 and deposits were up over 12.2% on year, according to data released by the Reserve Bank of India Friday. The loan growth slowed down from 16.1% on-year a fortnight ago and deposit growth slowed down from 13.5% on year in the fortnight to Mar. 31.

Bank loans were at INR 209.21 trillion as of Apr. 15, down INR 4.39 trillion from a fortnight ago. Non-food loans were at INR 208.53 trillion as of Apr. 15, down INR 4.37 billion from the previous fortnight. Food loans fell INR 1.78 billion from the previous fortnight to INR 68.49 billion as of Apr. 15.

Bank deposits as of Apr. 15 fell INR 5.81 trillion, or 2.2%, from a fortnight ago to INR 256.48 trillion.

In December, the government changed the definition of a reporting fortnight under the banking laws. 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. In the release Wednesday, the previous year's data was for Apr. 18, 2025.

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

All Scheduled Banks (figures in INR billion):

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

* 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.

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 Janwee Prajapati and J. Navya Sruthi

Compiled by Vinodini Yadav

Edited by Ashish Shirke
 

For users of real-time market data terminals, Informist news is available exclusively on the NSE Cogencis WorkStation. 

Cogencis news is now Informist news. This follows the acquisition of Cogencis Information Services Ltd by NSE Data & Analytics Ltd, a 100% subsidiary of the National Stock Exchange of India Ltd. As a part of the transaction, the news department of Cogencis has been sold to Informist Media Pvt Ltd.

Informist Media Tel +91 (22) 6985-4000 

Send comments to feedback@informistmedia.com

© Informist Media Pvt. Ltd. 2026. All rights reserved.