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Informist, Wednesday, Sept. 30, 2026

--RBI: Banks' investments as on Sept 15 up INR 516.79 bln on fortnight
--RBI: Banks' investments as on Sept 15 INR 73.15 tln, up 6.9% YoY
--CONTEXT: Banks' investments were up 6.5% YoY as on Aug 31

NEW DELHI/MUMBAI – Investments by scheduled commercial banks picked up pace in the first half of September in the aftermath of a surge in deposits by the end of August, according to data released by the Reserve Bank of India Wednesday. Investments rose by INR 516.79 billion or 6.9% in the reporting fortnight to INR 73.15 trillion as of Sept. 15. As of Aug. 31, growth in banks' investments was 6.6%.

The rise in investments coincided with a sharp slump in deposits in the first half of September as the impact of foreign currency non-resident (banks) deposits faded, data released by the central bank Friday showed. Deposits slipped by INR 2.49 trillion to INR 276.23 trillion as on Sept. 15, posting an on-year growth of 17.3%. Banks' deposits had risen by a whopping INR 9.4 trillion to INR 278.72 trillion in the second half of August, pushing up the year-on-year growth to 17.8%, a multi-year-high. 

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 $133 billion through FCNR(B) deposits between Jun. 8 and Aug. 31, much higher than initial expectations.

Meanwhile, banks' loan growth eased to 18.1% on year as on Sept. 15, against 19.1% as on Aug. 31, Friday's data showed. In absolute terms, loans fell by INR 578.94 billion to INR 223.29 trillion in the latest fortnight, compared with a rise of INR 3.8 trillion in the previous fortnight. Banks' credit-deposit ratio as on Sept. 15 rose to 80.84% from 80.32% at August-end.

Scheduled Commercial Banks (Including RRBs, SFBs and PBs):
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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 : 120

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 Aaryan Khanna

Compiled by Mansi Patil

Edited by Shubhayan Bhattacharya
 

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