The Reserve Bank of India (RBI) has released its latest data showing the financial position of banks in India as on July 31, 2026. The data covers Scheduled Commercial Banks, including Regional Rural Banks (RRBs), Small Finance Banks (SFBs) and Payments Banks (PBs), as well as the broader category of All Scheduled Banks.
The data covers 119 Scheduled Commercial Banks, 26 Scheduled State Co-operative Banks and 55 Scheduled Primary (Urban) Co-operative Banks.
In simple terms, this RBI statement gives an idea of how much money banks have received as deposits, how much they have borrowed, how much they have invested and how much credit they have given to customers.
Bank Deposits Reach ₹27.49 Lakh Crore
Deposits are the money kept by customers and other depositors with banks.
As on July 31, 2026, deposits other than deposits from banks stood at ₹26,94,137.49 crore with Scheduled Commercial Banks. For All Scheduled Banks, the figure was ₹27,48,968.59 crore.
These deposits are mainly divided into two categories:
- Demand deposits: Money that customers can generally withdraw when required, such as money in current and savings accounts.
- Time deposits: Money kept with the bank for a fixed period, such as fixed deposits.
For All Scheduled Banks, demand deposits stood at ₹3,49,177.16 crore, while time deposits were ₹23,99,791.44 crore.
Banks Had ₹8.35 Lakh Crore with RBI
Banks also keep money with the Reserve Bank of India.
As on July 31, 2026, Scheduled Commercial Banks had ₹8,19,616.44 crore as balances with RBI. For All Scheduled Banks, the balance was ₹8,35,046.67 crore.
Banks also held cash of ₹81,493.59 crore in the case of All Scheduled Banks.
Bank Investments Cross ₹73 Lakh Crore
Banks invest a large portion of their available funds in securities, including government securities.
As on July 31, 2026, total investments at book value were ₹73,38,590.21 crore for All Scheduled Banks.
Of this amount, ₹73,26,215.51 crore was invested in Central and State Government securities.
In simple words, banks invest a significant amount of their money in government-backed securities.
Bank Credit Stands at ₹225.88 Lakh Crore
Bank credit means the money banks have provided as loans and other forms of credit to customers and businesses.
As on July 31, 2026, bank credit excluding inter-bank advances stood at ₹2,25,87,935.10 crore for All Scheduled Banks.
For Scheduled Commercial Banks alone, bank credit stood at ₹2,20,78,094.63 crore.
What is included in Bank Credit?
The largest part of bank credit was loans, cash credits and overdrafts.
For All Scheduled Banks, these stood at ₹2,21,42,969.63 crore as on July 31, 2026.
The RBI statement also includes different types of bills purchased and discounted by banks, including inland and foreign bills.
Banks’ Borrowings
Banks also borrow money from other banks and financial sources.
As on July 31, 2026, borrowings from banks stood at ₹66,409.86 crore for All Scheduled Banks.
Other borrowings stood at ₹9,16,105.54 crore.
Food Credit Outstanding
Food credit mainly refers to credit provided for activities related to the procurement and financing of foodgrains.
As on July 31, 2026, food credit outstanding was:
- Scheduled Commercial Banks: ₹1,17,830.41 crore
- Scheduled Co-operative Banks: ₹52,074 crore
The figures are reported by the RBI in ₹ crore.
All Bank Data for July 31, 2026
| Data | Amount |
|---|---|
| Deposits other than from banks | ₹27,48,968.59 crore |
| Demand Deposits | ₹3,49,177.16 crore |
| Time Deposits | ₹23,99,791.44 crore |
| Borrowings from banks | ₹66,409.86 crore |
| Other Borrowings | ₹9,16,105.54 crore |
| Cash | ₹81,493.59 crore |
| Balances with RBI | ₹8,35,046.67 crore |
| Investments | ₹73,38,590.21 crore |
| Bank Credit | ₹2,25,87,935.10 crore |
