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Document - 12. Commercial Bank Survey () or PDF - 12. Commercial Bank Survey ()
12. Commercial Bank Survey
Date : Feb 20, 2026
(₹ Crore)
Item Outstanding as on last reporting Fortnights of the month/ reporting Fortnights of the month
2024-25 2024 2025
Dec. 27 Nov. 28 Dec. 15 Dec. 31
1 2 3 4 5
1 Components          
1.1 Aggregate Deposits of Residents 22288331 21778008 23942644 23809113 24537038
1.1.1 Demand Deposits 2698049 2569573 3013417 2919952 3274722
1.1.2 Time Deposits of Residents 19590283 19208435 20929227 20889160 21262316
1.1.2.1 Short-term Time Deposits 8815627 8643796 9418152 9400122 9568042
1.1.2.1.1 Certificates of Deposits (CDs) 527375 499061 576412 554411 572678
1.1.2.2 Long-term Time Deposits 10774655 10564639 11511075 11489038 11694274
1.2 Call/Term Funding from Financial Institutions 915248 955100 879199 842292 825578
2 Sources          
2.1 Domestic Credit 26154974 25490460 27697336 27861542 28434470
2.1.1 Credit to the Government 6697298 6595249 6886017 6880904 6884483
2.1.2 Credit to the Commercial Sector 19457676 18895211 20811320 20980638 21549986
2.1.2.1 Bank Credit 18243972 17743037 19529443 19694564 20320788
2.1.2.1.1 Non-food Credit 18207441 17686899 19449642 19610614 20232815
2.1.2.2 Net Credit to Primary Dealers 13742 13661 18546 21325 15575
2.1.2.3 Investments in Other Approved Securities 630 498 455 454 500
2.1.2.4 Other Investments (in non-SLR Securities) 1199332 1138015 1262875 1264295 1213124
2.2 Net Foreign Currency Assets of Commercial Banks (2.2.1-2.2.2-2.2.3) 54514 -24011 141095 159367 170098
2.2.1 Foreign Currency Assets 529621 443646 607602 640031 646918
2.2.2 Non-resident Foreign Currency Repatriable Fixed Deposits 292270 284584 317411 322757 320455
2.2.3 Overseas Foreign Currency Borrowings 182837 183074 149097 157907 156366
2.3 Net Bank Reserves (2.3.1+2.3.2-2.3.3) 791777 845902 1045332 958626 831651
2.3.1 Balances with the RBI 882415 939428 778275 747481 712617
2.3.2 Cash in Hand 81874 89267 82870 81335 83462
2.3.3 Loans and Advances from the RBI 172512 182792 -184186 -129810 -35572
2.4 Capital Account 2581900 2568985 2946799 2950045 2931605
2.5 Other items (net) (2.1+2.2+2.3-2.4-1.1-1.2) 1215785 1010259 1115120 1378085 1141997
2.5.1 Other Demand and Time Liabilities (net of 2.2.3) 878795 813552 906039 1126026 911657
2.5.2 Net Inter-Bank Liabilities (other than to PDs) 116551 130568 45080 54187 60256

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