Fortnightly Time Deposits Fell By Rs1.35 Trillion

Outstanding non-food credit expansion remains robust year-on-year (+17.86%)

FinTech BizNews Service    

Mumbai, 30 September, 2026: As published in the Reserve Bank of India’s Scheduled Banks’ Statement of Position in India on September 30, 2026, bank credit for All Scheduled Banks stood at Rs22,83,840.72 crore and aggregate deposits stood at Rs28,17,496.83 crore as on September 15, 2026.

Aggregate Fortnightly Overview

Sector-Wide Utility and Structural Dynamics

• Credit-Deposit (CD) Ratio: Reached 81.06% for all scheduled banks (80.84% for Scheduled Commercial Banks), keeping capital efficiently allocated to economic activity while requiring careful liquidity management. [1]
• Fortnightly Deposit Unwinding: Demand deposits fell by Rs1,12,185.37 crore and time deposits fell by Rs1,35,563.05 crore, primarily reflecting quarterly corporate tax outflows and normalizations following the August 31 closure of the limited-period FCNR(B) deposit mobilization. 
• Credit Demand vs. System Allocations: Outstanding non-food credit expansion remains robust year-on-year (+17.86%), with banks deploying surplus liquidity into government securities (investments expanded by Rs53,081.12 crore over the fortnight) to balance risk and generate stable returns. [1]
• Central Bank Borrowing: Borrowings from the Reserve Bank of India stayed low at Rs1,038 crore, indicating durable systemic liquidity without excessive reliance on emergency central bank windows.   

• Scheduled Banks’ Statement of Position in India as on September 15, 2026

  (Amount in Rs crore)   SCHEDULED COMMERCIAL BANKS  (Including RRBs, SFBs and PBs) ALL SCHEDULED BANKS 19-Sep-2025# 31-Aug-2026 15-Sep-2026 19-Sep-2025# 31-Aug-2026 15-Sep-2026 I LIABILITIES TO THE BKG.SYSTEM (A)               a) Demand & Time deposits from banks 319607.38 452672.26 437978.58 327584.52 460749.03 445993.12**   b) Borrowings from banks 84796.98 76307.46 85710.11 84841.98 76457.30 85760.21   c) Other demand & time liabilities 27486.35 54702.50 56984.25 27990.41 55354.23 57678.61 II LIABILITIES TO OTHERS (A)               a) Deposits (other than from banks) 23546450.79 27871573.47 27623065.76 24043832.20 28422717.25 28174968.83   i) Demand 2861440.98 3448745.94 3336111.07 2911303.64 3508824.69 3396639.32   ii) Time 20685009.81 24422827.53 24286954.69 21132528.56 24913892.56 24778329.51   b) Borrowings @ 858522.90 968597.00 990678.59 863268.40 974565.75 996272.39   c) Other demand & time liabilities 1074485.55 1311219.71 1480156.28 1090100.65 1328497.61 1496843.49 III BORROWINGS FROM R.B.I. (B) 57401.00 551.00 1038.00 57401.00 551.00 1038.00   Against usance bills and / or prom. Notes             IV CASH 81405.13 79925.22 79874.72 84167.25 82546.98 82640.18 V BALANCES WITH R.B.I. (B) 884937.44 816188.73 794205.53 902838.89 831770.56 809720.16 VI ASSETS WITH BANKING SYSTEM               a) Balances with other banks               i) In current accounts 8278.42 14231.92 21053.33 10544.24 17766.58 23525.72   ii) In other accounts 232361.71 332899.43 315072.82 292710.94 408518.01 389704.30   b) Money at call & short notice 14110.15 27432.99 19328.29 33943.03 50229.87 40369.97   c) Advances to banks (i.e. due from bks.) 31240.78 37182.54 41125.96 32252.94 39396.97 43319.74£   d) Other assets 64462.09 108506.20 101898.52 69844.69 113427.77 106484.78 VII INVESTMENTS (At book value) 6846280.72 7263348.96 7315027.55 7014991.39 7448491.32 7501572.44   a) Central & State Govt. securities+ 6845761.70 7262983.07 7314722.76 7005118.49 7433920.09 7485262.83   b) Other approved securities 519.01 365.89 304.78 9872.90 14571.22 16309.61 VIII BANK CREDIT (Excluding Inter-Bank Advances) 18902860.72 22387152.47 22329258.41 19377624.08 22897219.94 22838407.20   a) Loans, cash credits & Overdrafts $ 18554326.65 21945461.92 21892166.07 19027268.63 22453186.98 22399121.66   b) Inland Bills purchased 79645.54 110647.01 108974.14 79890.02 110670.84 108997.43   c) Inland Bills discounted 234482.63 297163.27 294648.64 235494.18 298910.55 296274.95   d) Foreign Bills purchased 12636.06 13591.46 13238.75 12846.08 13798.11 13444.89   e) Foreign Bills discounted 21769.83 20288.81 20230.81 22125.17 20653.45 20568.27