Document title: Scheduled Banks' Statement of Position in India as on October 15, 2026

Issuing authority: Reserve Bank of India (RBI)

Reference number: Press Release 2026-2027/1409

Date: October 30, 2026

Banking and Credit Position

The RBI’s fortnightly statement presents the consolidated position of scheduled commercial banks (including RRBs, SFBs, PBs and LABs) as of 15 Oct 2026. Liabilities to the banking system comprise demand and time deposits from banks of ₹409,869.12 crore, borrowings from banks of ₹78,959.86 crore and other demand‑time liabilities of ₹59,435.83 crore. Liabilities to others total ₹28,436,892.20 crore, of which demand deposits are ₹3,360,417.98 crore and time deposits ₹25,076,474.22 crore. Borrowings from others amount to ₹1,005,236.64 crore and other demand‑time liabilities ₹1,240,154.98 crore.

| Item | 17‑Oct‑2025# | 30‑Sep‑2026 | 15‑Oct‑2026 |

| Demand & Time deposits from banks | 317,219.62 | 444,799.69 | 409,869.12 |

| Borrowings from banks | 84,168.86 | 79,277.98 | 78,959.86 |

| Other demand & time liabilities (banks) | 25,736.62 | 61,396.26 | 59,435.83 |

| Deposits (others) – Total | 23,883,215.06 | 28,395,079.41 | 28,436,892.20 |

| Demand | 2,973,701.61 | 3,735,930.17 | 3,360,417.98 |

| Time | 20,909,513.45 | 24,659,149.24 | 25,076,474.22 |

| Borrowings (others) | 860,797.93 | 964,023.50 | 1,005,236.64 |

| Other demand & time liabilities (others) | 1,092,421.01 | 1,239,810.69 | 1,240,154.98 |

| Borrowings from RBI | 8,733.00 | 6,451.00 | 630.00 |

| Cash | 87,746.70 | 86,558.00 | 81,797.33 |

| Balances with RBI | 827,461.41 | 793,844.20 | 814,249.47 |

| Investments (at book value) – Total | 6,885,074.23 | 7,469,975.65 | 7,731,962.11 |

| Central & State Govt. securities | 6,884,459.02 | 7,469,800.46 | 7,712,249.61 |

| Other approved securities | 615.21 | 175.18 | 19,712.50 |

| Bank Credit (excluding inter‑bank advances) | 19,235,754.48 | 22,994,852.36 | 23,254,182.56 |

| Loans, cash credits & overdrafts | 18,869,670.69 | 22,531,997.27 | 22,790,044.99 |

| Inland Bills purchased | 86,683.42 | 116,535.59 | 115,746.74 |

| Inland Bills discounted | 244,215.90 | 309,084.85 | 312,056.64 |

| Foreign Bills purchased | 12,917.85 | 14,578.34 | 14,332.15 |

| Foreign Bills discounted | 22,266.63 | 22,656.32 | 22,002.04 |

Food credit outstanding as on the reporting dates is shown below. For scheduled commercial banks, the figure rose from ₹52,489.66 crore on 17‑Oct‑2025 to ₹100,092.68 crore on 15‑Oct‑2026. For scheduled co‑operative banks, it remained essentially unchanged at ₹52,074.00 crore.

| Category | 17‑Oct‑2025# | 30‑Sep‑2026 | 15‑Oct‑2026 |

| Scheduled Commercial Banks | 52,489.66 | 96,286.36 | 100,092.68 |

| Scheduled Co‑operative Banks | 51,974.00 | 52,074.00 | 52,074.00 |

Liquidity and Balances with RBI

Cash holdings of the banking system declined from ₹87,746.70 crore on 17‑Oct‑2025 to ₹81,797.33 crore on 15‑Oct‑2026. Balances with the RBI fell from ₹827,461.41 crore to ₹814,249.47 crore over the same period, reflecting net liquidity adjustments.

System Composition

As of the current fortnight, the banking system consists of 120 scheduled commercial banks, 26 scheduled state co‑operative banks and 55 scheduled primary (urban) co‑operative banks.

Accounting and Reporting Notes

  • Demand and time liabilities exclude borrowings of any scheduled state co‑operative bank from the state government and reserve‑fund deposits held by co‑operative societies.
  • Deposits of co‑operative banks with scheduled state co‑operative banks are captured under item II(a).
  • Borrowings from the RBI include transactions under the Liquidity Adjustment Facility (LAF) such as Repo, Term Repo and Marginal Standing Facility, following the Malegam Committee’s recommendation effective 11 July 2014.
  • Advances to public food procurement agencies (Food Corporation of India, state governments and their agencies) are included in bank credit under item VIII(a).
  • The term “Banking System” or “Banks” follows the definition in clause (d) of Section 42(1) of the RBI Act, 1934.

The press release, signed by Deputy General Manager Ajit Prasad of the RBI’s Department of Communication, provides a comprehensive snapshot of the scheduled banking sector’s balance‑sheet position and liquidity status as of mid‑October 2026.