Document title: Scheduled Banks' Statement of Position in India as on September 15, 2026
Issuing authority: Reserve Bank of India (RBI)
Reference number: Press Release 2026-2027/1215
Date: 30 September 2026
Policy Rates and Liquidity
The RBI reported borrowings from the Reserve Bank amounting to ₹1,038 crore as of 15 September 2026, a modest increase from ₹551 crore on 31 August 2026. Balances with the RBI stood at ₹809,720 crore, down from ₹831,770 crore a fortnight earlier, indicating a slight net outflow of liquidity from the banking system. Cash holdings of scheduled banks were ₹79,874.72 crore on 15 September 2026, marginally lower than the ₹79,925.22 crore recorded on 31 August 2026.
Banking and Credit
Liabilities to the banking system comprised demand and time deposits from banks of ₹437,978.58 crore, borrowings from banks of ₹85,710.11 crore, and other demand and time liabilities of ₹56,984.25 crore for all scheduled banks. Deposits from non‑bank sources totaled ₹28,174,968.83 crore, with demand deposits of ₹3,396,639.32 crore and time deposits of ₹24,778,329.51 crore. Borrowings from non‑bank sources were ₹996,272.39 crore, while other demand and time liabilities amounted to ₹1,496,843.49 crore.
Bank credit (excluding inter‑bank advances) reached ₹22,838,407.20 crore, up from ₹22,897,219.94 crore a fortnight earlier. Of this, loans, cash credits and overdrafts accounted for ₹22,399,121.66 crore. Inland bills purchased were ₹108,997.43 crore and discounted at ₹296,274.95 crore. Foreign bills purchased stood at ₹13,444.89 crore, with discounted foreign bills of ₹20,568.27 crore.
The banking system consists of 120 scheduled commercial banks, 26 scheduled state co‑operative banks and 55 scheduled primary (urban) co‑operative banks as of the current fortnight.
Investments
Investments at book value for all scheduled banks were ₹7,501,572.44 crore, of which central and state government securities comprised ₹7,485,262.83 crore. Other approved securities held amounted to ₹16,309.61 crore.
Notes and Methodology
The figures relate to the reporting Friday of the previous year under the old fortnight definition and will continue until the press communique on 30 November 2026. Demand and time liabilities exclude borrowings of scheduled state co‑operative banks from state governments and reserve fund deposits of co‑operative societies. Borrowings against usance bills or promissory notes are reported under Section 17(4)(c) of the RBI Act. Changes in accounting practice for LAF transactions effective from 11 July 2014, as recommended by the Malegam Committee, result in repo/term‑repo/MSF transactions being reflected under ‘Borrowings from RBI’. Advances to public food procurement agencies are included in bank credit figures.
This release provides a comprehensive snapshot of the liquidity position, credit expansion and investment holdings of India’s scheduled banking system as of mid‑September 2026.