RBI Publishes Scheduled Banks Position July 2026

Document title: Scheduled Banks' Statement of Position in India as on July 31, 2026

Issuing authority: Reserve Bank of India

Reference number: Press Release: 2026-2027/876

Date: 12 August 2026

Banking and Credit

The Reserve Bank of India released the scheduled banks' statement of position for the fortnight ending 31 July 2026. The data present liabilities, assets, investments and credit of scheduled commercial banks (SCBs), scheduled state co‑operative banks (SSCBs) and scheduled primary (urban) co‑operative banks (SPCBs).

Liabilities to the Banking System

• Demand and time deposits from banks increased from ₹ 342,422.14 crore on 25 Jul 2025 to ₹ 439,863.90 crore on 31 Jul 2026.
• Borrowings from banks rose from ₹ 105,206.09 crore to ₹ 65,825.38 crore over the same period.
• Other demand and time liabilities grew from ₹ 22,326.92 crore to ₹ 55,126.45 crore.

Liabilities to Others

• Total deposits (other than from banks) reached ₹ 26,941,367.49 crore on 31 Jul 2026, up from ₹ 23,349,826.99 crore on 25 Jul 2025.
• Demand deposits rose to ₹ 3,431,418.50 crore.
• Time deposits rose to ₹ 23,509,948.99 crore.
• Borrowings (excluding RBI, NABARD and EXIM Bank) were ₹ 911,164.28 crore on 31 Jul 2026.
• Other demand and time liabilities amounted to ₹ 1,197,380.54 crore.

Borrowings from RBI

Borrowings from the Reserve Bank stood at ₹ 604.00 crore on 31 Jul 2026, compared with ₹ 1,906.00 crore on 25 Jul 2025.

Cash and Balances with RBI

• Cash holdings were ₹ 78,902.96 crore on 31 Jul 2026.
• Balances with RBI amounted to ₹ 819,616.44 crore.

Assets with Banking System

• Balances with other banks (current accounts) were ₹ 9,199.82 crore; other accounts were ₹ 295,528.69 crore.
• Money at call and short notice stood at ₹ 32,748.14 crore.
• Advances to banks (due from banks) were ₹ 38,427.47 crore.
• Other assets totaled ₹ 119,158.31 crore.

Investments (At Book Value)

• Total investments were ₹ 7,156,897.07 crore, of which central and state government securities comprised ₹ 7,156,358.73 crore.
• Other approved securities were ₹ 538.35 crore.

Bank Credit (Excluding Inter‑Bank Advances)

• Overall bank credit reached ₹ 22,078,094.63 crore.
• Loans, cash credits and overdrafts were ₹ 21,635,466.01 crore.
• Inland bills purchased amounted to ₹ 110,648.84 crore; discounted inland bills were ₹ 297,818.97 crore.
• Foreign bills purchased were ₹ 13,181.24 crore; discounted foreign bills were ₹ 20,979.56 crore.

Food Credit Outstanding

• Scheduled commercial banks reported food credit of ₹ 117,830.41 crore as of 31 Jul 2026.
• Scheduled co‑operative banks reported food credit of ₹ 52,074.00 crore, unchanged from the previous fortnight.

Bank Count

• Number of scheduled commercial banks: 119.
• Number of scheduled state co‑operative banks: 26.
• Number of scheduled primary (urban) co‑operative banks: 55.

The release notes that the figures correspond to the reporting Friday of the previous year under the old fortnight definition and will continue until the press communique on 30 Nov 2026. Definitions clarify that demand and time liabilities exclude certain cooperative bank borrowings, and that RBI borrowings reflect repo/term‑repo/MSF transactions as per the Malegam Committee recommendations.