Document title: Scheduled Banks' Statement of Position in India as on September 30, 2026
Issuing authority: Reserve Bank of India
Reference number: Press Release: 2026-2027/1332
Date: October 15, 2026
Policy rates and liquidity
The RBI reports cash balances of ₹86,558 crore as of 30‑Sep‑2026, compared with ₹79,874 crore on 15‑Sep‑2026 and ₹90,080 crore on 03‑Oct‑2025. Balances with RBI stood at ₹793,844 crore on 30‑Sep‑2026, down from ₹809,720 crore on 15‑Sep‑2026 and up from ₹883,596 crore on 03‑Oct‑2025. Borrowings from RBI amounted to ₹6,451 crore on 30‑Sep‑2026, up from ₹1,038 crore on 15‑Sep‑2026 and ₹1,512 crore on 03‑Oct‑2025.
Banking and credit
Total deposits (excluding bank deposits) rose to ₹28,955,375 crore on 30‑Sep‑2026, up from ₹27,174,969 crore on 15‑Sep‑2026 and ₹24,598,830 crore on 03‑Oct‑2025. Demand deposits within this category increased to ₹3,797,943 crore, while time deposits reached ₹25,157,432 crore. Bank credit (excluding inter‑bank advances) grew to ₹23,509,866 crore on 30‑Sep‑2026, up from ₹22,838,407 crore on 15‑Sep‑2026 and ₹19,740,418 crore on 03‑Oct‑2025. Loans, cash credits and overdrafts amounted to ₹23,044,800 crore, inland bills purchased ₹116,558 crore, inland bills discounted ₹310,711 crore, foreign bills purchased ₹14,803 crore, and foreign bills discounted ₹22,995 crore.
Food credit outstanding
Food credit outstanding for scheduled commercial banks declined to ₹96,286.36 crore on 30‑Sep‑2026, from ₹109,721.49 crore on 15‑Sep‑2026 and ₹42,659.30 crore on 03‑Oct‑2025. For scheduled co‑operative banks, the figure remained steady at ₹52,074 crore as of 30‑Sep‑2026.
Additional system metrics
Number of scheduled commercial banks reported as 120, scheduled state co‑operative banks 26, and scheduled primary (urban) co‑operative banks 55. The statement also notes that demand and time liabilities exclude borrowings of scheduled state co‑operative banks from state governments and reserve‑fund deposits held by co‑operative societies.
The release includes footnotes clarifying that borrowings from RBI are recorded under Section 17(4)(c) of the RBI Act and that certain advances are excluded from specific line items.