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Document - 12. Commercial Bank Survey () or PDF - 12. Commercial Bank Survey ()
12. Commercial Bank Survey
Date : Jul 22, 2026
(₹ Crore)
Item Outstanding as on last reporting Fortnights of the month/ reporting Fortnights of the month
2025-26 2025 2026
May 30 Apr. 30 May 15 May 31
1 2 3 4 5
1. Components          
1.1 Aggregate Deposits of Residents 25912733 22881795 25540788 25357745 25672671
1.1.1 Demand Deposits 3688129 2988921 3303489 3165054 3312336
1.1.2 Time Deposits of Residents 22224604 19892874 22237299 22192692 22360335
1.1.2.1 Short-term Time Deposits 10001072 8951793 10006785 9986711 10062151
1.1.2.1.1 Certificates of Deposits (CDs) 696724 516544 694162 657904 673361
1.1.2.2 Long-term Time Deposits 12223532 10941081 12230514 12205980 12298184
1.2 Call/Term Funding from Financial Institutions 808208 895727 957229 991949 960188
2. Sources          
2.1 Domestic Credit 29637430 26265999 29518616 29515910 29894362
2.1.1 Credit to the Government 6960631 6706169 6926417 6964441 7034160
2.1.2 Credit to the Commercial Sector 22676799 19559830 22592199 22551469 22860203
2.1.2.1 Bank Credit 21359948 18287377 21210698 21186890 21515402
2.1.2.1.1 Non-food Credit 21289677 18216796 21106783 21070842 21378397
2.1.2.2 Net Credit to Primary Dealers 27057 16680 29630 30471 36029
2.1.2.3 Investments in Other Approved Securities 489 548 491 493 493
2.1.2.4 Other Investments (in non-SLR Securities) 1289304 1255225 1351380 1333615 1308278
2.2 Net Foreign Currency Assets of Commercial Banks (2.2.1-2.2.2-2.2.3) 169109 73676 210335 199498 223449
2.2.1 Foreign Currency Assets 661918 535925 706534 696035 720159
2.2.2 Non-resident Foreign Currency Repatriable Fixed Deposits 317183 290748 327797 331075 329434
2.2.3 Overseas Foreign Currency Borrowings 175626 171501 168402 165462 167275
2.3 Net Bank Reserves (2.3.1+2.3.2-2.3.3) 1176620 1265837 1151156 1086616 1018571
2.3.1 Balances with the RBI 753867 956086 800608 758632 793521
2.3.2 Cash in Hand 87403 87179 80738 70626 72541
2.3.3 Loans and Advances from the RBI -335350 -222572 -269810 -257359 -152509
2.4 Capital Account 2940633 2837833 3099393 3199183 3213408
2.5 Other items (net) (2.1+2.2+2.3-2.4-1.1-1.2) 1321585 990157 1282696 1253147 1290116
2.5.1 Other Demand and Time Liabilities (net of 2.2.3) 952428 863072 963258 942243 1043726
2.5.2 Net Inter-Bank Liabilities (other than to PDs) 101215 113626 100789 105906 106304
(₹ Crore)
Item Outstanding as on last reporting Fortnights of the month/ reporting Fortnights of the month
2025-26 2025 2026
May 30 Apr. 30 May 15 May 31
1 2 3 4 5
1. Components          
1.1 Aggregate Deposits of Residents 25912733 22881795 25540788 25357745 25672671
1.1.1 Demand Deposits 3688129 2988921 3303489 3165054 3312336
1.1.2 Time Deposits of Residents 22224604 19892874 22237299 22192692 22360335
1.1.2.1 Short-term Time Deposits 10001072 8951793 10006785 9986711 10062151
1.1.2.1.1 Certificates of Deposits (CDs) 696724 516544 694162 657904 673361
1.1.2.2 Long-term Time Deposits 12223532 10941081 12230514 12205980 12298184
1.2 Call/Term Funding from Financial Institutions 808208 895727 957229 991949 960188
2. Sources          
2.1 Domestic Credit 29637430 26265999 29518616 29515910 29894362
2.1.1 Credit to the Government 6960631 6706169 6926417 6964441 7034160
2.1.2 Credit to the Commercial Sector 22676799 19559830 22592199 22551469 22860203
2.1.2.1 Bank Credit 21359948 18287377 21210698 21186890 21515402
2.1.2.1.1 Non-food Credit 21289677 18216796 21106783 21070842 21378397
2.1.2.2 Net Credit to Primary Dealers 27057 16680 29630 30471 36029
2.1.2.3 Investments in Other Approved Securities 489 548 491 493 493
2.1.2.4 Other Investments (in non-SLR Securities) 1289304 1255225 1351380 1333615 1308278
2.2 Net Foreign Currency Assets of Commercial Banks (2.2.1-2.2.2-2.2.3) 169109 73676 210335 199498 223449
2.2.1 Foreign Currency Assets 661918 535925 706534 696035 720159
2.2.2 Non-resident Foreign Currency Repatriable Fixed Deposits 317183 290748 327797 331075 329434
2.2.3 Overseas Foreign Currency Borrowings 175626 171501 168402 165462 167275
2.3 Net Bank Reserves (2.3.1+2.3.2-2.3.3) 1176620 1265837 1151156 1086616 1018571
2.3.1 Balances with the RBI 753867 956086 800608 758632 793521
2.3.2 Cash in Hand 87403 87179 80738 70626 72541
2.3.3 Loans and Advances from the RBI -335350 -222572 -269810 -257359 -152509
2.4 Capital Account 2940633 2837833 3099393 3199183 3213408
2.5 Other items (net) (2.1+2.2+2.3-2.4-1.1-1.2) 1321585 990157 1282696 1253147 1290116
2.5.1 Other Demand and Time Liabilities (net of 2.2.3) 952428 863072 963258 942243 1043726
2.5.2 Net Inter-Bank Liabilities (other than to PDs) 101215 113626 100789 105906 106304

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