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Informist, Thursday, Jun. 11, 2026

 

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--RBI: Banks' deposits as on May 31 up INR 3.29 tln on fortnight 
--RBI: Banks' deposits as on May 31 INR 260.02 tln, up 12.2% YoY 
--CONTEXT: Banks' deposits were up 12.2% YoY as on May 15 
--RBI: Banks' investments as on May 31 up INR 697.18 bln on fortnight 
--RBI: Banks' investments as on May 31 INR 70.34 tln, up 4.89% YoY 
--CONTEXT: Banks' investments were up 4.2% YoY as on May 15 
--RBI: Banks' loans as on May 31 up INR 3.29 tln on fortnight 
--RBI: RBI: Banks' loans as on May 31 INR 215.16 tln, up 17.65% YoY 
--CONTEXT: Banks' loans were up 16.2% on year as on May 15
 

 

MUMBAI – Banks' loans rose 17.65% on year to INR 215.16 trillion while deposits were up 12.2% on year at INR 260.02 trillion as of May 31, according to data released by the Reserve Bank of India Thursday. The credit-to-deposit ratio expanded to 82.74% from 82.48?ortnight ago as outstanding loans rose more than deposits during the period.

 

Outstanding advances were up INR 3.29 trillion from a fortnight ago and deposits were up INR 3.13 trillion as of May 31.

 

Investments by banks grew 4.89% on year to INR 70.34 trillion as on May 31 and were up INR 697.19 billion from the previous reporting fortnight. Investments were up 4.2% on year as of May 15.

 

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) (figures in INR billion):
====================================================================

Scheduled Commercial Banks (including RRBs)	May 30, 2025#	May 15, 2026	May 31, 2026
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3,651.40	3,925.37	3,922.20
b) Borrowings from banks	1,105.52	773.31	767.63
c) Other demand & time liabilities	250.71	529.85	540.35
II. Liabilities to Others (A)
a) Deposits (other than from banks)	231,725.43	256,888.21	260,021.06
i) Demand	29,889.21	31,650.54	33,123.12
ii) Time	201,836.22	225,237.67	226,897.93
b) Borrowings @	8,957.27	9,919.49	9,601.88
c) Other demand & time liabilities	10,345.74	11,077.04	12,092.62
III. Borrowings from RBI (B)	65.16	9.54	929.00
Against usance bills and / or promissory Notes
IV. Cash	871.79	706.26	725.41
V. Balances with RBI (B)	9,560.86	7,586.32	7,935.21
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	114.35	74.36	92.42
ii) In other accounts	2,553.31	2,646.14	2,700.06
b) Money at call & short notice	228.13	378.19	396.31
c) Advances to banks (i.e., due from banks)#	361.48	405.88	396.82
d) Other assets	780.92	969.62	943.03
VII. Investments (at Book Value )	67,067.17	69,649.34	70,346.53
a) Central & State Govt.securities+	67,061.69	69,644.41	70,341.60
b) Other approved securities	5.48	4.93	4.93
VIII. Bank credit	182,873.77	211,868.90	215,159.65
a) Loans, cash credits & overdrafts $	179,499.58	207,574.62	210,772.35
b) Inland bills purchased	794.67	1,093.75	1,094.12
c) Inland bills discounted	2,224.49	2,856.15	2,950.24
d) Foreign bills purchased	138.66	131.50	134.69
e) Foreign bills discounted	216.36	212.88	208.25

 

All Scheduled Banks:

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

ALL SCHEDULED BANKS (including RRBs)	May 30, 2025#	May 15, 2026	May 31, 2026
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3,709.36	4,009.56	4,003.55
b) Borrowings from banks	1,105.74	779.23	769.35
c) Other demand & time liabilities	254.48	536.12	546.45
II. Liabilities to Others (A)
a) Deposits (other than from banks)	236,650.02	262,245.64	265,386.23
i) Demand	30,386.53	32,214.07	33,693.99
ii) Time	206,263.50	230,031.57	231,692.24
b) Borrowings @	9,001.94	9,966.78	9,657.78
c) Other demand & time liabilities	10,477.58	11,218.95	12,252.44
III. Borrowings from RBI (B)	65.16	9.54	929.00
Against usance bills and / or promissory Notes
IV. Cash	896.26	730.66	750.43
V. Balances with RBI (B)	9,752.37	7,741.75	8,089.73
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	138.55	94.06	115.73
ii) In other accounts	3,184.19	3,366.92	3,415.92
b) Money at call & short notice	407.08	657.46	686.61
c) Advances to banks (i.e., due from banks) #	385.42	445.16	436.36
d) Other assets	827.99	1,023.72	991.92
VII. Investments (at Book Value )	68,621.26	71,518.96	72,172.84
a) Central & State Govt.securities+	68,535.79	71,392.20	72,050.37
b) Other approved securities	85.47	126.76	122.47
VIII. Bank credit	187,552.41	216,967.33	220,266.47
a) Loans, cash credits & overdrafts $	184,144.83	212,649.57	215,855.20
b) Inland bills purchased	807.44	1,093.99	1,094.36
c) Inland bills discounted	2,239.57	2,872.88	2,967.75
d) Foreign bills purchased	140.63	133.74	136.86
e) Foreign bills discounted	219.95	217.14	212.30

 

* 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 Billions)
Date	May 30, 2025#	May 15, 2026	May 31, 2026
Scheduled Commercial Banks	705.81	1,160.49	1,370.05
State Co-operative Banks	519.73	520.74	520.74

 

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 J. Navya Sruthi

Compiled by Mansi Patil

Edited by Deepshikha Bhardwaj
 
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