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Official Website of Reserve Bank of India
Analytical Accounts of the Banking Sector
Scheduled Commercial Banks - Business in India (January 30, 2026)
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Date: Jan 30, 2026
| (₹ Crore) | ||||||
| Item | Outstanding as on Jan. 15, 2026 | Variation over | ||||
| Fortnight | Financial Year so far | Year-on-Year | ||||
| 2024-25 | 2025-26 | 2025 | 2026 | |||
| 1 | 2 | 3 | 4 | 5 | 6 | |
| 1 Liabilities to the Banking System | ||||||
| 1.1 Demand and Time Deposits from Banks | 334595 | -5516 | -22767 | 25181 | 8948 | 62891 |
| 1.2 Borrowings from Banks | 80441 | -3569 | -38965 | -31535 | -37516 | -63023 |
| 1.3 Other Demand and Time Liabilities | 33029 | 209 | -44392 | 3113 | -41687 | 4969 |
| 2 Liabilities to Others | ||||||
| 2.1 Aggregate Deposits | 24499894 | -357599 | 1675948 | 1919293 | 2166340 | 2348720 |
| 2.1a Growth (Per cent) | -1.4 | 8.2 | 8.5 | 10.8 | 10.6 | |
| 2.1.1 Demand | 2990792 | -283930 | 34327 | 292743 | 212780 | 512612 |
| 2.1.2 Time | 21509103 | -73668 | 1641621 | 1626550 | 1953560 | 1836108 |
| 2.2 Borrowings | 921543 | 95965 | 145505 | 6295 | 97432 | -1905 |
| 2.3 Other Demand and Time Liabilities | 1062922 | -5101 | 45423 | 1291 | 110636 | 80071 |
| 3 Borrowings from Reserve Bank | 32336 | -136638 | 69933 | -279130 | 60006 | -260313 |
| 4 Cash in Hand and Balances with Reserve Bank | 796313 | 234 | -9130 | -167976 | 5543 | -215473 |
| 4.1 Cash in hand | 78479 | -4983 | -8249 | -3395 | -5747 | -2706 |
| 4.2 Balances with Reserve Bank | 717834 | 5217 | -881 | -164581 | 11290 | -212768 |
| 5 Assets with the Banking System | ||||||
| 5.1 Balances with Other Banks | 280252 | 8589 | 5774 | 64450 | 9671 | 76150 |
| 5.2 Money at Call and Short Notice | 32229 | -3868 | -387 | 6391 | 191 | 20261 |
| 5.3 Advances to Banks | 32218 | -3074 | -9183 | -7285 | -3035 | -6967 |
| 5.4 Other Assets | 67909 | -1299 | -59315 | 556 | -36843 | 11800 |
| 6 Investments | 6807967 | -77016 | 521868 | 110040 | 622133 | 179541 |
| 6.1a Growth (Per cent) | -1.1 | 8.5 | 1.6 | 10.4 | 2.7 | |
| 6.1 Government Securities | 6807467 | -77016 | 522304 | 110169 | 622348 | 179553 |
| 6.2 Other Approved Securities | 501 | 1 | -436 | -129 | -214 | -12 |
| 7 Bank Credit | 20132365 | -188423 | 1367230 | 1888393 | 1829468 | 2332971 |
| 7.1a Growth (Per cent) | -0.9 | 8.3 | 10.4 | 11.5 | 13.1 | |
| 7a.1 Food Credit | 88169 | 197 | 34642 | 51638 | 13754 | 30446 |
| 7a.2 Non-food credit | 20044196 | -188619 | 1332588 | 1836755 | 1815714 | 2302525 |
| 7b.1 Loans, Cash credit and Overdrafts | 19734276 | -180846 | 1341140 | 1824425 | 1788530 | 2258833 |
| 7b.2 Inland Bills - Purchased | 95391 | -1549 | 13939 | 20428 | 22696 | 20985 |
| 7b.3 Discounted | 266853 | -4773 | 14267 | 45794 | 19290 | 55228 |
| 7b.4 Foreign Bills - Purchased | 12779 | -837 | -711 | -2343 | -980 | -2922 |
| 7b.5 Discounted | 23066 | -417 | -1405 | 89 | -68 | 847 |
| Note: Data include the impact of merger of a non-bank with a bank w.e.f. July 1, 2023. As per the Banking Laws (Amendment) Act, 2025, the definition of fortnight has been revised from alternate Fridays to 15th and last calendar day of a month, w.e.f. December 15, 2025. | ||||||
Analytical Accounts of Central Bank
Reserve Bank of India - Liabilities and Assets (January 30, 2026)
Date: Jan 30, 2026
| (₹ Crore) | ||||||
| Item | 2025 | 2026 | Variation | |||
| Jan. 24 | Jan. 16 | Jan. 23 | Week | Year | ||
| 1 | 2 | 3 | 4 | 5 | ||
| 1 Notes Issued | 3564306 | 3942212 | 3960205 | 17994 | 395899 | |
| 1.1 Notes in Circulation | 3564296 | 3942195 | 3960191 | 17996 | 395895 | |
| 1.2 Notes held in Banking Department | 10 | 16 | 14 | -3 | 4 | |
| 2 Deposits | ||||||
| 2.1 Central Government | 101 | 100 | 100 | 0 | -1 | |
| 2.2 Market Stabilisation Scheme | 0 | 0 | 0 | 0 | 0 | |
| 2.3 State Governments | 42 | 43 | 43 | 0 | 1 | |
| 2.4 Scheduled Commercial Banks | 889895 | 770438 | 755585 | -14854 | -134310 | |
| 2.5 Scheduled State Co-operative Banks | 7918 | 7818 | 7289 | -529 | -629 | |
| 2.6 Other Banks | 50602 | 41971 | 42182 | 212 | -8420 | |
| 2.7 Others | 576685 | 688303 | 822482 | 134179 | 245797 | |
| 3 Other Liabilities | 2002933 | 2898169 | 3045272 | 147103 | 1042339 | |
| Total Liabilities/Assets | 7092482 | 8349055 | 8633159 | 284105 | 1540677 | |
| 1 Foreign Currency Assets | 4671954 | 5122121 | 5205254 | 83134 | 533300 | |
| 2 Gold | 600378 | 1067327 | 1131929 | 64602 | 531551 | |
| 3 Rupee Securities (including Treasury Bills) | 1288414 | 1943590 | 2007684 | 64094 | 719270 | |
| 4 Loans and Advances | ||||||
| 4.1 Central Government | 0 | 0 | 0 | 0 | 0 | |
| 4.2 State Governments | 20495 | 20162 | 16817 | -3345 | -3678 | |
| 4.3 NABARD | 0 | 0 | 0 | 0 | 0 | |
| 4.4 Scheduled Commercial Banks | 354098 | 885 | 76369 | 75484 | -277729 | |
| 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 | 133690 | 163118 | 163353 | 235 | 29663 | |
| 5 Bills Purchased and Discounted | ||||||
| 5.1 Commercial | - | - | - | - | - | |
| 5.2 Treasury | - | - | - | - | - | |
| 6 Investments | 2064 | 2064 | 2064 | 0 | 0 | |
| 7 Other Assets | 21388 | 29789 | 29689 | -99 | 8301 | |
| * Data are provisional; difference, if any, is due to rounding off. | ||||||
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