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Informist, Friday, May 29, 2026

NEW DELHI – Banks' loans rose 16.2% on year while deposits were up 12.2% on year as of May 15, according to data released by the Reserve Bank of India Friday. The credit-to-deposit ratio expanded from a fortnight ago as outstanding loans fell less than deposits during the period.

Bank loans were up 16.0% on year at the end of April, while bank deposits had risen 12.3%. Outstanding advances were INR 211.87 trillion as of May 15, down INR 238.07 billion from a fortnight ago. Of these, non-food loans fell by INR 359.41 billion.

However, deposits slumped by INR 1.80 trillion on fortnight to INR 256.89 trillion on May 15. The credit deposit ratio in the banking system rose to 82.48% as on May 15 from 82.01% as on Apr. 30. The latest reading was the second highest on record, below the 83.04% seen at mid-March.

Investments by banks grew 4.2% on year to INR 69.65 trillion as on May 15 and were up INR 380.26 billion from the previous reporting fortnight. Investments were up only 3.2% on year as of Apr. 30.

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

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

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* 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.  

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 Akul Nishant Akhoury

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