Mumbai, April 5, 2025: The Reserve Bank of India (RBI) has released the Statement of Position for scheduled banks operating across the country as of March 21, 2025. This comprehensive report provides insights into the financial standing of scheduled commercial banks, including Regional Rural Banks (RRBs), Small Finance Banks (SFBs), and Payment Banks (PBs), alongside the performance of all scheduled banks.
According to the latest data, liabilities to the banking system showed a mixed performance. Demand and time deposits from banks saw a significant rise, increasing from ₹284,322.01 crore on March 7, 2025, to ₹309,413.40 crore by March 21, 2025. This indicates improved liquidity and financial activity within the banking system. Borrowings from banks, however, remained largely stable, with a slight decline from ₹113,375.74 crore on March 7, 2025, to ₹112,450.27 crore on March 21, 2025. Other demand and time liabilities also dropped from ₹38,843.52 crore to ₹29,906.64 crore over the same period.
In terms of liabilities to other sectors, deposits (other than those from banks) saw a steady growth, reaching ₹22,574,981.74 crore by March 21, 2025, up from ₹22,510,118 crore on March 7, 2025. This growth was driven by both demand deposits, which rose from ₹2,541,476.52 crore to ₹2,692,658.66 crore, and time deposits, which remained robust at ₹19,882,323.08 crore. Meanwhile, borrowings from institutions outside of the RBI, NABARD, and Exim Bank showed a slight decrease, amounting to ₹915,247.80 crore by March 21, 2025.
The cash position within the banking system saw a minor dip, with the total cash balance held by scheduled commercial banks standing at ₹81,874.49 crore on March 21, 2025, compared to ₹83,128.63 crore on March 7, 2025. Similarly, balances held with the RBI also witnessed a slight decline, amounting to ₹882,414.59 crore by March 21, 2025, from ₹887,266.98 crore on March 7, 2025.
Investments in government securities, a key indicator of banking system liquidity, remained relatively stable, though with a slight dip from ₹6,736,826.28 crore on March 7, 2025, to ₹6,697,298.19 crore on March 21, 2025.
On the credit front, the total bank credit extended by scheduled banks saw an upward movement, rising from ₹18,125,412.60 crore on March 7, 2025, to ₹18,243,935.57 crore by March 21, 2025. This reflects the ongoing demand for loans and credit, with loans, cash credits, and overdrafts making up a significant portion of the overall credit at ₹17,909,815.46 crore.
The report also highlighted food credit outstanding, which showed a decline for scheduled commercial banks, dropping from ₹42,552.27 crore on March 7, 2025, to ₹36,531.16 crore by March 21, 2025. However, food credit outstanding for scheduled co-operative banks remained unchanged at ₹50,613.50 crore during this period.
Overall, the RBI’s latest statement reflects a stable and resilient banking system in India. While there were minor declines in certain areas, the continued growth in deposits, investments, and bank credit indicates a strong financial position. The figures also point to a positive economic outlook, with a steady demand for financial services, especially loans and deposits, reinforcing the trust in the banking sector.
This data, although provisional, provides an important snapshot of the banking system’s financial health as the country moves forward with its economic recovery and growth plans.
Note: Some of the figures are provisional as certain banks have yet to submit their final data.