Financial Sector - RBI - Reserve Bank of India
Analytical Accounts of the Banking Sector
Scheduled Commercial Banks - Business in India (July 25, 2025)
EXCEL (
Date: Jul 25, 2025
| (₹ Crore) | ||||||
| Item | Outstanding as on Jul. 11 , 2025 |
Variation over | ||||
| Fortnight | Financial year so far | Year-on-Year | ||||
| 2023-24 | 2024-25 | 2024 | 2025 | |||
| 1 | 2 | 3 | 4 | 5 | 6 | |
| 1 Liabilities to the Banking System | ||||||
| 1.1 Demand and Time Deposits from Banks | 341405 | -29701 | -17297 | 31991 | 31312 | 64232 |
| 1.2 Borrowings from Banks | 95556 | -5085 | -45067 | -16420 | -58968 | -41806 |
| 1.3 Other Demand and Time Liabilities | 22524 | -2222 | 2639 | -7391 | 11403 | -52566 |
| 2 Liabilities to Others | ||||||
| 2.1 Aggregate Deposits | 23325736 | -99909 | 701945 | 745135 | 2146395 | 2148565 |
| 2.1a Growth (Per cent) | -0.4 | 3.4 | 3.3 | 11.3 | 10.1 | |
| 2.1.1 Demand | 2802131 | -270744 | -53532 | 104082 | 208895 | 411809 |
| 2.1.2 Time | 20523605 | 170834 | 755477 | 641053 | 1937500 | 1736755 |
| 2.2 Borrowings | 855278 | 5059 | 106835 | -59971 | 97006 | -29500 |
| 2.3 Other Demand and Time Liabilities | 972734 | -74083 | -50999 | -88898 | 83549 | 86305 |
| 3. Borrowings from Reserve Bank | 1223 | 158 | -214512 | -310243 | -13243 | -6981 |
| 4 Cash in Hand and Balances with Reserve Bank | 1014740 | -5414 | 24968 | 50452 | 75508 | -31143 |
| 4.1 Cash in hand | 84541 | -2130 | 4357 | 2667 | -9693 | -9249 |
| 4.2 Balances with Reserve Bank | 930199 | -3284 | 20611 | 47785 | 85201 | -21895 |
| 5 Assets with the Banking System | ||||||
| 5.1 Balances with Other Banks | 257314 | -16517 | -12921 | 41513 | -8472 | 71908 |
| 5.2 Money at Call and Short Notice | 17552 | -6490 | -4050 | -8286 | -19138 | 9247 |
| 5.3 Advances to Banks | 29132 | -2425 | -6634 | -10371 | -2550 | -12602 |
| 5.4 Other Assets | 69456 | 372 | -2597 | 2103 | 25446 | -43370 |
| 6 Investments | 6716248 | 19446 | 201088 | 18320 | 489891 | 408602 |
| 6.1a Growth (Per cent) | 0.3 | 3.3 | 0.3 | 8.4 | 6.5 | |
| 6.1 Government Securities | 6715694 | 19346 | 200974 | 18396 | 489584 | 409110 |
| 6.2 Other Approved Securities | 554 | 100 | 114 | -76 | 308 | -509 |
| 7 Bank Credit | 18463163 | -23036 | 379954 | 219191 | 2065789 | 1651045 |
| 7.1a Growth (Per cent) | -0.1 | 2.3 | 1.2 | 14.0 | 9.8 | |
| 7a.1 Food Credit | 58993 | -5396 | 7182 | 22462 | 5959 | 28730 |
| 7a.2 Non-food credit | 18404170 | -17641 | 372773 | 196729 | 2059830 | 1622315 |
| 7b.1 Loans, Cash credit and Overdrafts | 18123147 | -23234 | 362579 | 213295 | 2006507 | 1626264 |
| 7b.2 Inland Bills - Purchased | 79128 | -432 | 7248 | 4165 | 23959 | 11413 |
| 7b.3 Discounted | 224971 | 1126 | 11679 | 3912 | 40638 | 15935 |
| 7b.4 Foreign Bills - Purchased | 13732 | -55 | -871 | -1389 | -3034 | -1808 |
| 7b.5 Discounted | 22185 | -441 | -680 | -791 | -2282 | -759 |
| 1. Data since July 14, 2023 include the impact of the merger of a non-bank with a bank. | ||||||
| 2. Figures in parentheses exclude the impact of the merger. | ||||||
Analytical Accounts of Central Bank
Reserve Bank of India - Liabilities and Assets (July 25, 2025)
Date: Jul 25, 2025
| (₹ Crore) | |||||
| Item | 2024 | 2025 | Variation | ||
| Jul. 19 | Jul. 11 | Jul. 18 | Week | Year | |
| 1 | 2 | 3 | 4 | 5 | |
| 1 Notes Issued | 3520478 | 3787651 | 3773617 | -14034 | 253139 |
| 1.1 Notes in Circulation | 3520466 | 3787633 | 3773600 | -14033 | 253133 |
| 1.2 Notes held in Banking Department | 11 | 18 | 17 | -1 | 6 |
| 2 Deposits | |||||
| 2.1 Central Government | 101 | 100 | 101 | 0 | 0 |
| 2.2 Market Stabilisation Scheme | 0 | 0 | 0 | 0 | 0 |
| 2.3 State Governments | 42 | 42 | 42 | 0 | 0 |
| 2.4 Scheduled Commercial Banks | 1006938 | 930199 | 984796 | 54597 | -22141 |
| 2.5 Scheduled State Co-operative Banks | 8394 | 8078 | 8037 | -41 | -358 |
| 2.6 Other Banks | 54233 | 52670 | 52329 | -341 | -1904 |
| 2.7 Others | 639002 | 776661 | 738722 | -37938 | 99721 |
| 3 Other Liabilities | 1748890 | 2190245 | 2206803 | 16559 | 457913 |
| TOTAL LIABILITIES/ASSETS | 6978078 | 7745647 | 7764448 | 18801 | 786370 |
| 1 Foreign Currency Assets | 4957204 | 5084872 | 5095199 | 10327 | 137995 |
| 2 Gold | 501909 | 723791 | 728042 | 4251 | 226133 |
| 3 Rupee Securities (including Treasury Bills) | 1345058 | 1787655 | 1788867 | 1212 | 443809 |
| 4 Loans and Advances | |||||
| 4.1 Central Government | - | 0 | 0 | 0 | 0 |
| 4.2 State Governments | 19805 | 20431 | 26294 | 5864 | 6489 |
| 4.3 NABARD | - | 0 | 0 | 0 | 0 |
| 4.4 Scheduled Commercial Banks | 6416 | 1223 | 951 | -272 | -5465 |
| 4.5 Scheduled State Co-op.Banks | 0 | 0 | 0 | 0 | 0 |
| 4.6 Industrial Development Bank of India | - | - | - | - | - |
| 4.7 Export-Import Bank of India | - | - | - | - | - |
| 4.8 Others | 135553 | 106493 | 103826 | -2667 | -31727 |
| 5 Bills Purchased and Discounted | |||||
| 5.1 Commercial | - | - | - | - | - |
| 5.2 Treasury | - | - | - | - | - |
| 6 Investments | 2064 | 2064 | 2064 | 0 | 0 |
| 7 Other Assets | 10070 | 19118 | 19205 | 87 | 9135 |
| * Data are provisional; difference, if any, is due to rounding off. | |||||
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