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Informist, Tuesday, Sept. 15, 2026

 

--RBI: Banks' investments as on Aug 31 up INR 717.15 bln on fortnight 

--RBI: Banks' investments as on Aug 31 INR 72.63 tln, up 6.5% YoY 

--CONTEXT: Banks' investments were up 6.6% YoY as on Aug 15 

 

MUMBAI – Investments by scheduled commercial banks rose by INR 717.15 billion or 6.5% on year to INR 72.63 trillion as on Aug. 31, data released by the Reserve Bank of India Tuesday showed. The investments were INR 71.92 trillion as of Aug. 15. Investments by all scheduled banks rose 6.6% on year to INR 74.48 trillion as on Aug. 31, up from 1.02% as on Aug. 15.

 

India's bank deposits rose 17.8% on year as on Aug. 31 from 14.7% as on Aug. 15, reaching the fastest pace of growth in at least five years, data released by the central bank Friday showed. The multi-year-high growth was likely on account of inflows through foreign currency non-resident (banks) deposits under the RBI's special foreign exchange swap window.

 

Meanwhile, banks' loan growth also accelerated to 19.1% on year as on Aug. 31 from 18.3% in the preceding fortnight. In absolute terms, loans grew by INR 3.8 trillion in the latest fortnightly data. The growth was in contrast to the fall in loans worth INR 706.39 billion recorded by scheduled commercial banks in the first half of August.

 

The RBI had in June announced special measures to attract foreign capital inflows to strengthen the rupee, including a facility to cover the full hedging cost for banks raising fresh three-to-five-year FCNR(B) deposits. Banks mobilised $127.23 billion through FCNR(B) deposits between Jun. 8 and Aug. 31, much higher than initial expectations. The robust response under the special scheme led the RBI in mid-August to advance the closure of the special scheme on Aug. 31 rather than Sept. 30 as originally announced. This led to a bunching up of inflows, with FCNR(B) data showing almost half the total collections over nearly three months came between Aug. 13 and Aug. 31.

 

Scheduled Commercial Banks (Including RRBs, SFBs and PBs):
===========================================

SCHEDULED COMMERCIAL BANKS (Including RRBs, SFBs and PBs)	Sept. 5, 2025#	Aug. 15, 2026	Aug. 31, 2026
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3,223.23	4,830.91	4,526.72
b) Borrowings from banks	968.17	698.25	763.07
c) Other demand & time liabilities	277.35	518.40	547.03
II. Liabilities to Others (A)
a) Deposits (other than from banks)	236,688.15	269,313.46	278,715.30
i) Demand	28,914.15	33,023.92	34,487.42
ii) Time	207,774.00	236,289.53	244,227.88
b) Borrowings @	8,165.69	8,918.63	9,978.98
c) Other demand & time liabilities	11,154.95	11,627.19	13,111.23
III. Borrowings from RBI (B)	39.36	22.19	5.51
Against usance bills and / or promissory Notes
IV. Cash	841.06	719.53	799.24
V. Balances with RBI (B)	9,266.01	7,737.71	8,161.89
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	83.82	232.50	142.32
ii) In other accounts	2,379.06	3,280.64	3,328.99
b) Money at call & short notice	254.99	257.25	274.33
c) Advances to banks (i.e., due from banks)#	290.88	367.32	371.83
d) Other assets	661.59	1,134.38	1,085.07
VII. Investments (at Book Value )	68,199.97	71,916.34	72,633.49
a) Central & State Govt.securities+	68,195.38	71,910.96	72,629.83
b) Other approved securities	4.59	5.38	3.66
VIII. Bank credit	188,006.86	220,077.64	223,875.67
a) Loans, cash credits & overdrafts $	184,571.92	215,700.83	219,458.50
b) Inland bills purchased	787.34	1,095.09	1,106.47
c) Inland bills discounted	2,301.52	2,944.84	2,971.90
d) Foreign bills purchased	130.45	132.60	135.91
e) Foreign bills discounted	215.62	204.28	202.89

 

All Scheduled Banks:

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

ALL SCHEDULED BANKS (Including RRBs, SFBs and PBs)	Sept. 5, 2025#	Aug. 15, 2026	Aug. 31, 2026
I. Liabilities to the Banking System (A)
a) Demand & time deposits from banks**	3,298.91	4,913.31	4,607.49
b) Borrowings from banks	968.85	698.45	764.57
c) Other demand & time liabilities	282.36	526.04	553.54
II. Liabilities to Others (A)
a) Deposits (other than from banks)	241,646.98	274,819.21	284,226.73
i) Demand	29,426.39	33,631.67	35,088.21
ii) Time	212,220.59	241,187.54	249,138.53
b) Borrowings @	8,208.99	8,977.11	10,038.67
c) Other demand & time liabilities	11,314.78	11,791.53	13,284.01
III. Borrowings from RBI (B)	39.36	22.19	5.51
Against usance bills and / or promissory Notes
IV. Cash	867.36	742.72	825.45
V. Balances with RBI (B)	9,458.30	7,893.13	8,317.71
VI. Assets with Banking System
a) Balances with other banks
i) In current accounts	105.95	257.95	177.67
ii) In other accounts	2,971.03	4,038.10	4,085.18
b) Money at call & short notice	440.75	485.83	502.30
c) Advances to banks (i.e., due from banks) #	302.69	389.36	393.97
d) Other assets	716.67	1,183.34	1,134.28
VII. Investments (at Book Value )	69,883.24	73,731.80	74,484.91
a) Central & State Govt.securities+	69,788.68	73,591.79	74,339.20
b) Other approved securities	94.56	140.01	145.71
VIII. Bank credit	192,722.85	225,154.03	228,976.34
a) Loans, cash credits & overdrafts $	189,268.03	220,753.61	224,535.75
b) Inland bills purchased	790.16	1,095.34	1,106.71
c) Inland bills discounted	2,313.02	2,962.58	2,989.37
d) Foreign bills purchased	132.65	134.56	137.98
e) Foreign bills discounted	218.99	207.94	206.54

 

* 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	Sept. 5, 2025#	Aug. 15, 2026	Aug. 31, 2026
Scheduled Commercial Banks	455.80	1,141.36	1,120.42
State Co-operative Banks	519.74	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: 119

 

No. of Scheduled State Co-operative Banks as on Current Fortnight: 26

 

No. of Scheduled Primary(Urban) Co-operative Banks as on Current Fortnight: 55

 

End

 

Reported by Meera Nair and Nandini Sinha

Compiled by Mansi Patil

Edited by Shubhayan Bhattacharya

 

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