Liabilities and loans of India's scheduled banks increased as of June 30

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Liabilities and loans of scheduled banks

Highlights

Total deposit liabilities of all scheduled banks increased from ₹26,386,233.55 crore on June 15, 2026, to ₹27,079,983.13 crore on June 30, 2026.
Total bank credit of all scheduled banks rose from ₹22,059,295.52 crore to ₹22,441,492.22 crore, and borrowing from the Reserve Bank of India increased from ₹32,882.00 crore to ₹147,049.00 crore.
Banks’ borrowing from other banks declined from ₹72,244.34 crore to ₹60,331.54 crore, while the deposit base remained the main source of funding.

This article was translated from the original. Read the original version by our correspondent here.

Banking Position as of June 30, 2026

According to the Reserve Bank of India’s press release 2026-2027/674, total deposit liabilities of all scheduled banks to other parties rose from ₹26,386,233.55 crore on June 15, 2026, to ₹27,079,983.13 crore on June 30, 2026. Within this, demand deposits increased from ₹3,249,742.88 crore to ₹3,595,930.10 crore, and term deposits rose from ₹23,136,490.66 crore to ₹23,484,053.03 crore.

During the same period, total bank credit of all scheduled banks increased from ₹22,059,295.52 crore to ₹22,441,492.22 crore. This includes loans, cash credits, and overdrafts rising from ₹21,622,515.31 crore to ₹21,993,004.47 crore, while inland bill discounting and purchased bills also recorded growth.

Banks’ borrowing from the Reserve Bank of India jumped from ₹32,882.00 crore on June 15, 2026, to ₹147,049.00 crore on June 30, 2026. Meanwhile, balances with the Reserve Bank increased from ₹770,033.48 crore to ₹803,751.65 crore, and cash rose from ₹79,186.56 crore to ₹85,510.55 crore.

Investments at book value climbed from ₹7,251,979.14 crore to ₹7,264,468.76 crore. Central and state government securities remained the largest component, rising from ₹7,240,340.30 crore to ₹7,253,047.80 crore.

Liquidity, Funding, and Sectoral Indicators

The data also show that banks’ borrowing from other banks declined from ₹72,244.34 crore to ₹60,331.54 crore, while demand and term liabilities to the banking system increased from ₹415,993.93 crore to ₹450,668.96 crore. This suggests that the deposit base remains more important in the funding mix compared to inter-bank sources.

Outstanding food credit in scheduled commercial banks edged down slightly from ₹133,894.60 crore on June 15, 2026, to ₹132,049.25 crore on June 30, 2026, while it remained stable at ₹52,074.00 crore in scheduled cooperative banks. This indicates that credit linked to food procurement agencies remains relatively stable amid overall loan growth.

According to the press release, 120 scheduled commercial banks, 26 scheduled state cooperative banks, and 55 scheduled primary urban cooperative banks are included in this fortnight’s calculation. Comparative figures for the previous year relate to the reporting Friday of June 27, 2025, as the old fortnight definition remains in effect until November 30, 2026.

Our previous report discussed India’s merchandise trade deficit in June 2026 reaching a five-month high and imports outpacing exports. It highlighted that the current account deficit in Q1 FY2027 is estimated to rise to about 1.5% of GDP amid high commodity prices, signaling increased pressure on the external sector.

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