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Scheduled Banks' Statement of Position in India as on June 15, 2026

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Issued by RBI: 15 Jun 2026

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📄 Source: Reserve Bank of India · Press Release prid 63046

Quick answerScheduled banks' liabilities and assets in India as of June 15, 2026, show a significant increase in deposits and bank credit.

What changed

Scheduled banks' liabilities and assets have increased as of June 15, 2026, compared to the previous period. Demand and time deposits from banks have increased by ₹75,443 crore, and deposits from others have increased by ₹3,316,315 crore.

What it means for you

The increase in deposits and bank credit indicates a rise in economic activity and lending in the country. This may lead to increased competition among banks and lenders, and they must be prepared to adapt to changing market conditions.

The rule, in the simplest words

Deposits (money people keep in the bank) grew a lot, with demand and time deposits up by ₹75,443 crore and other deposits up by ₹3,316,315 crore.
Bank credit (loans the bank gives out) also rose, showing more buying and selling in the economy.
Banks should keep an eye on these changes, update their risk‑management plans, and hold enough capital (the safety cushion) to support the extra lending.
Money that banks borrow from the RBI is now shown under “Borrowings from RBI” after a 2014 rule change about how certain transactions are recorded.

How it plays out — a real example

Rohit, a credit manager at a scheduled commercial bank in Mumbai, noticed the big jump in deposits on the June 15, 2026 report. He quickly checked the bank’s risk policies, added a few extra checks for new loan applications, and made sure the bank kept enough capital cushion, so the bank could safely lend more to customers while staying strong.

What you must do

Monitor changes in deposits and bank credit to adjust lending strategies
Review and update risk management policies to account for increased lending
Maintain a strong capital base to support increased lending activities

Who it affects

Scheduled commercial banks, Regional rural banks, Small finance banks, Public sector banks

What is the significance of the increase in deposits and bank credit?

The increase indicates a rise in economic activity and lending in the country, which may lead to increased competition among banks and lenders.

What are the implications of the changes in bank liabilities and assets?

The changes may lead to increased competition among banks and lenders, and they must be prepared to adapt to changing market conditions.

What should banks do in response to the changes?

Banks should monitor changes in deposits and bank credit, review and update risk management policies, and maintain a strong capital base to support increased lending activities.

Test yourself

Quick self-check built only from the facts already on this page — tap a question to reveal the answer.

Q1. In one line, what does this circular do?

Scheduled banks' liabilities and assets in India as of June 15, 2026, show a significant increase in deposits and bank credit.

Q2. Who does this circular apply to?

Scheduled commercial banks, Regional rural banks, Small finance banks, Public sector banks

Q3. What is the first thing you should do about it?

Monitor changes in deposits and bank credit to adjust lending strategies

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Who does what — compliance checklist

💻 IT / Systems

Maintain a strong capital base to support increased lending activities

📜 Compliance

Monitor changes in deposits and bank credit to adjust lending strategies
Review and update risk management policies to account for increased lending

Grouped from the action items above — a single circular may involve more than one team.

Worked example & action-note template

Example: if you are a Compliance officer at a bank this circular applies to (Scheduled commercial banks, Regional rural banks, Small finance banks, Public sector banks), your first concrete step on “Scheduled Banks' Statement of Position in India as on June 15, 2026” is: “Monitor changes in deposits and bank credit to adjust lending strategies” (RBI issued this 15 Jun 2026).

Circular: https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=63046 -- Scheduled Banks' Statement of Position in India as on June 15, 2026
Issued: 15 Jun 2026
Action required: Monitor changes in deposits and bank credit to adjust lending strategies
Action required: Review and update risk management policies to account for increased lending
Action required: Maintain a strong capital base to support increased lending activities
Owner: ____________ Target date: ____________
Board/committee approval needed? Y / N
Evidence filed in compliance register on: ____________

Built only from this circular’s own published fields — not legal advice; always confirm against the official RBI source.

AI-drafted · AI fact-check pending · under the editorial review of our expert review panel · decoded & published by BankPulse · 07 Jul 2026, 07:54 IST

Official RBI source: https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=63046 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert review panel. Independent platform, not affiliated with the Reserve Bank of India; never reproduces RBI text verbatim.