Scheduled banks’ position on 15 July 2026 shows stable deposits and measured liquidity

India’s scheduled banks continued to reflect steady balance-sheet traction in the Reserve Bank of India’s (RBI) “Scheduled Banks’ Statement of Position” for **15 July 2026**. The weekly snapshot, presented in ₹ crore, captures how the banking system’s deposits, borrowings and liquidity buffers moved from **30 June 2026** (quarter-end) to mid-July.

Across **all scheduled banks**, deposits from the public and other non-bank sources remained the biggest pillar of funding. At the same time, the data suggests a **normalisation of system liquidity** after quarter-end, with a notable fall in borrowings from the RBI and some moderation in cash and RBI balances.

Deposits remain the anchor; time deposits continue to rise For **all scheduled banks**, **deposits (other than from banks)** stood at **₹26,831,425.69 crore** on **15 July 2026**, compared with **₹27,090,233.46 crore** on **30 June 2026**. Within this, the composition continues to show the strength of longer-tenor savings:

• **Demand deposits** were **₹3,250,666.16 crore** (15 July) versus **₹3,599,801.08 crore** (30 June).
• **Time deposits** were **₹23,580,759.53 crore** (15 July), up from **₹23,490,432.38 crore** (30 June).

A similar pattern is visible for **scheduled commercial banks (including RRBs, SFBs and PBs)**, where deposits (other than from banks) were **₹26,284,573.93 crore** on 15 July, compared with **₹26,544,283.88 crore** on 30 June. Importantly, **time deposits** for this group rose to **₹23,092,973.25 crore** from **₹23,004,978.13 crore**, underlining continued preference for term savings products.

In practical terms, a rising time-deposit base can support banks’ ability to fund longer-duration lending, while also reflecting household and business confidence in regulated banking channels.

Borrowings shift as quarter-end pressures ease One of the clearest movements in the statement is the sharp reduction in **borrowings from the RBI**, which often rise around quarter-end due to reporting-related liquidity needs.

• For **all scheduled banks**, **borrowings from RBI** fell to **₹5,598.00 crore** on 15 July from **₹147,049.00 crore** on 30 June.
• For **scheduled commercial banks**, the same line item also eased to **₹5,598.00 crore** from **₹147,049.00 crore**.

At the same time, other borrowing lines showed mixed but manageable shifts:

• For **all scheduled banks**, **borrowings (to others)** rose to **₹923,870.85 crore** (15 July) from **₹844,990.21 crore** (30 June).
• **Borrowings from banks** were **₹65,405.84 crore** (15 July) versus **₹60,017.98 crore** (30 June).

These movements suggest banks are meeting funding needs through a combination of market and inter-bank sources, while reliance on central bank liquidity receded after quarter-end.

Liquidity buffers moderate: cash and RBI balances ease System liquidity buffers showed a gentle step-down between end-June and mid-July.

For **all scheduled banks**:

• **Cash** was **₹76,413.76 crore** on 15 July, down from **₹85,677.61 crore** on 30 June.
• **Balances with the RBI** were **₹777,652.37 crore** on 15 July versus **₹803,751.65 crore** on 30 June.

On the inter-bank placement side, **money at call and short notice** for all scheduled banks was **₹58,020.86 crore** (15 July) compared with **₹56,722.08 crore** (30 June), while **balances with other banks (in other accounts)** rose to **₹356,620.68 crore** from **₹334,954.38 crore**.

Taken together, the data points to a banking system that is adjusting liquidity positions in an orderly manner—supported by stable deposit mobilisation and normal post quarter-end dynamics.

**Why it matters:** A steady deposit base and reduced dependence on RBI borrowing can help banks plan credit growth more confidently, support smoother liquidity management, and strengthen the foundations for financing India’s consumption and investment cycle.