India Bank loans up 19.5% YoY, deposits rise 17% as on Oct 31
This story was originally published at 18:55 IST on 13 November 2026
Register to read our real-time news.Informist, Friday, Nov. 13, 2026
Please click here to read all liners published on this story
-- RBI: Banks' loans as on Oct 31 up INR 4.40 tln on fortnight
-- RBI: Banks' loans as on Oct 31 INR 231.82 tln, up 19.5% YoY
-- CONTEXT: Banks' loans were up 18.2% on year as on Oct 15
-- RBI: Banks' deposits as on Oct 31 INR 282.51 tln, up 16.9% YoY
-- RBI: Banks' deposits as on Oct 31 up INR 3.75 tln on fortnight
-- CONTEXT: Banks' deposits were up 16.7% YoY as on Oct 15
-- RBI: Banks' investments as on Oct 31 INR 75.28 tln, up 9.3% YoY
-- RBI: Banks' investments as on Oct 31 down INR 106.69 bln on fortnight
-- CONTEXT: Banks' investments were up 9.5% YoY as on Oct 15
NEW DELHI – India's bank loans rose 19.5% on year in the fortnight ending Oct. 31, according to data released by the Reserve Bank of India Friday. Bank loans in the fortnight increased by INR 4.4 trillion to INR 231.82 trillion. Loans rose by 18.2% in the previous fortnight.
Bank investments grew 9.3% on year to INR 75.28 trillion as on Oct. 31. However, investments shrank on fortnight by INR 106.69 billion. Investments had risen 9.5% on year in the previous fortnight.
Deposits were up nearly 17% on year to INR 282.51 trillion as on Oct. 31, marginally higher than the 16.7% on-year growth in the previous fortnight.
Scheduled Commercial Banks (Including RRBs, SFBs and PBs):
===========================================
SCHEDULED COMMERCIAL BANKS (Including RRBs, SFBs and PBs) | Oct. 31, 2025# | Oct. 15, 2026 | Oct. 31, 2026 |
| I. Liabilities to the Banking System (A) | |||
| a) Demand & time deposits from banks** | 3,245.92 | 4,098.69 | 4,254.27 |
| b) Borrowings from banks | 851.06 | 789.60 | 789.67 |
| c) Other demand & time liabilities | 274.65 | 594.36 | 611.14 |
| II. Liabilities to Others (A) | |||
| a) Deposits (other than from banks) | 241,757.57 | 278,759.10 | 282,510.76 |
| i) Demand | 31,009.47 | 32,990.48 | 34,768.54 |
| ii) Time | 210,748.10 | 245,768.62 | 247,742.22 |
| b) Borrowings @ | 8,462.41 | 10,002.81 | 10,526.09 |
| c) Other demand & time liabilities | 10,827.67 | 12,242.81 | 13,015.20 |
| III. Borrowings from RBI (B) | 54.89 | 6.30 | 291.34 |
| Against usance bills and / or promissory Notes | |||
| IV. Cash | 875.63 | 791.96 | 836.68 |
| V. Balances with RBI (B) | 8,429.47 | 7,987.62 | 8,580.23 |
| VI. Assets with Banking System | |||
| a) Balances with other banks | |||
| i) In current accounts | 160.06 | 153.77 | 97.10 |
| ii) In other accounts | 2,305.72 | 2,987.05 | 3,100.87 |
| b) Money at call & short notice | 157.90 | 210.61 | 453.87 |
| c) Advances to banks (i.e., due from banks)# | 327.19 | 372.90 | 398.20 |
| d) Other assets | 639.13 | 1,055.23 | 1,148.08 |
| VII. Investments (at Book Value ) | 68,899.10 | 75,382.69 | 75,276.00 |
| a) Central & State Govt.securities+ | 68,894.15 | 75,380.93 | 75,274.28 |
| b) Other approved securities | 4.95 | 1.75 | 1.72 |
| VIII. Bank credit | 193,936.55 | 227,427.79 | 231,824.99 |
| a) Loans, cash credits & overdrafts $ | 190,294.03 | 222,808.81 | 226,990.04 |
| b) Inland bills purchased | 859.41 | 1,157.22 | 1,192.62 |
| c) Inland bills discounted | 2,435.56 | 3,104.03 | 3,269.16 |
| d) Foreign bills purchased | 127.17 | 141.13 | 160.44 |
| e) Foreign bills discounted | 220.39 | 216.60 | 212.74 |
All Scheduled Banks:
===================
ALL SCHEDULED BANKS (Including RRBs, SFBs and PBs) | Oct. 31, 2025# | Oct. 15, 2026 | Oct. 31, 2026 |
| I. Liabilities to the Banking System (A) | |||
| a) Demand & time deposits from banks** | 3,317.31 | 4,177.36 | 4,340.19 |
| b) Borrowings from banks | 851.06 | 790.61 | 792.39 |
| c) Other demand & time liabilities | 279.23 | 600.83 | 618.11 |
| II. Liabilities to Others (A) | |||
| a) Deposits (other than from banks) | 246,797.35 | 284,368.92 | 288,160.80 |
| i) Demand | 31,516.38 | 33,604.18 | 35,389.62 |
| ii) Time | 215,280.96 | 250,764.74 | 252,771.19 |
| b) Borrowings @ | 8,508.02 | 10,052.37 | 10,575.79 |
| c) Other demand & time liabilities | 10,977.33 | 12,401.63 | 13,177.60 |
| III. Borrowings from RBI (B) | 54.89 | 6.30 | 291.34 |
| Against usance bills and / or promissory Notes | |||
| IV. Cash | 903.83 | 817.97 | 864.29 |
| V. Balances with RBI (B) | 8,599.21 | 8,142.49 | 8,738.37 |
| VI. Assets with Banking System | |||
| a) Balances with other banks | |||
| i) In current accounts | 197.96 | 176.49 | 125.13 |
| ii) In other accounts | 2,925.55 | 3,723.29 | 3,839.46 |
| b) Money at call & short notice | 329.04 | 453.02 | 699.66 |
| c) Advances to banks (i.e., due from banks) # | 335.45 | 381.15 | 406.05 |
| d) Other assets | 697.53 | 1,093.18 | 1,182.04 |
| VII. Investments (at Book Value ) | 70,589.68 | 77,319.62 | 77,194.94 |
| a) Central & State Govt.securities+ | 70,492.63 | 77,122.50 | 77,033.21 |
| b) Other approved securities | 97.05 | 197.13 | 161.73 |
| VIII. Bank credit | 198,760.54 | 232,541.85 | 237,032.25 |
| a) Loans, cash credits & overdrafts $ | 195,100.08 | 227,900.47 | 232,175.00 |
| b) Inland bills purchased | 861.57 | 1,157.47 | 1,192.84 |
| c) Inland bills discounted | 2,445.57 | 3,120.57 | 3,285.39 |
| d) Foreign bills purchased | 129.04 | 143.32 | 162.70 |
| e) Foreign bills discounted | 224.28 | 220.02 | 216.33 |
* 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 the 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 the 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 | Oct. 31, 2025# | Oct. 15, 2026 | Oct. 31, 2026 |
| Scheduled Commercial Banks | 703.71 | 1,000.93 | 1,232.67 |
| 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: 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 Shreya Basu Roy
Edited by Megha Rawat
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 (11) 4220-1000
Send comments to feedback@informistmedia.com
© Informist Media Pvt. Ltd. 2026. All rights reserved.
To read more please subscribe
Share this Story:
