(Rs. crore)

Outstanding

Variation over

as on

Financialyear

Year-on-year

Item

2006

Fortnight

Mar. 31#

2004-2005

2005-2006

2005

2006

1

2

3

4

5

6

7

Liabilities to the Banking System

Demand and time deposits from Banks

33,667

986

6,674

–2,641

1,387

–9,840

Borrowings from Banks ⁽¹⁾

29,512

–1,056

18,139

1,896

16,914

-3,653

Other demand and time liabilities⁽²⁾

8,578

–1,552

1,554

5,454

1,703

4,398

Liabilities to Others

Aggregate deposits@

20,87,670

83,895

2,80,719

3,87,471

2,33,727

3,02,534

(4.2)

(18.7)

(22.8)

(15.1)

(16.9)

Demand

3,47,250

25,420

60,995

99,223

39,567

61,233

Time@

17,40,419

58,474

2,19,724

2,88,249

1,94,160

2,41,301

[2,16,211]

[1,90,647]

Borrowings⁽³⁾

83,681

3,236

47,251

14,158

46,252

11,761

Other demand and time liabilities

1,97,076

2,532

38,933

4,316

29,312

10,059

Borrowings from Reserve Bank

1,488

1,169

95

1,438

95

1,393

Cash in hand and Balances with Reserve Bank

1,38,794

19,543

26,237

42,217

16,318

35,662

Cash in hand

11,734

1,138

2,251

3,262

1,603

1,585

Balances with Reserve Bank

1,27,061

18,405

23,987

38,955

14,715

34,077

Assets with the Banking System

Balance with other Banks⁽⁴⁾

23,923

851

7,207

4,603

3,778

–245

Money at call and short notice

11,385

–2,287

5,923

–8,476

4,374

–12,596

Advances to Banks

4,181

465

–1,736

–5,510

–1,782

–4,606

Other assets

6,867

2,042

–48

4,442

–634

4,277

Investments ⁽⁵⁾

7,27,577

18,936

62,675

–11,576

52,043

–12,686

(2.7)

(9.2)

(–1.6)

(7.6)

(–1.7)

Government securities

7,04,694

19,116

65,498

–14,287

54,665

–15,562

[53,306]

[42,472]

Other approved securities

22,883

–179

–2,823

2,711

–2,622

2,876

Bank Credit

14,96,474

53,883

3,11,425

3,96,045

2,77,358

3,44,264

(3.7)

(37.0)

(36.0)

(31.7)

(29.9)

Food Credit

41,787

–38

4,055

667

3,043

1,771

Non-food credit

14,54,687

53,921

3,07,370

3,95,379

2,74,315

3,42,493

[2,74,488]

[2,41,433]

Loans, cash-credit and overdrafts

14,23,116

49,388

2,97,142

3,82,904

2,67,458

3,36,735

Inland bills- purchased

12,008

2,094

3,797

4,454

1,733

1,242

discounted⁽⁶⁾

29,288

725

4,205

4,056

3,177

3,353

Foreign bills-purchased

12,529

1,064

2,186

1,701

1,565

230

discounted

19,532

613

4,095

2,930

3,425

2,705

Cash-Deposit Ratio

6.65

Investment-Deposit Ratio

34.85

Credit-DepositRatio

71.68

@ : Data reflect redemption of India Millennium Deposits (IMDs) on December 29 , 2005.
(1) Excluding borrowings of Regional Rural Banks from their sponsor banks.
(2) Wherever it has not been possible to identify a liability to the banking system, it has
been included in the corresponding items under 'liabilities to others'.
(3) Other than from Reserve Bank of India, NABARD and EXIM Bank.
(4) In current account and in other account.
(5) Investments set out in this Table are for the purpose of SLR and do not include other
investments which are given separately in Table No. 5.
(6) Excludes bills rediscounted with the Reserve Bank of India.
Figures in brackets denote percentage variation in the relevant period.
Notes: 1. Includes the impact of mergers since May 3, 2002.
2. Figures in [ ] exclude the impact of conversion of a non-banking entity into banking entity from October 11, 2004.
3. Data on fiscal year variation for 2005-06 are not comparable with those of the previous years as the
data for 2005-06 include 27 fortnights while usually the data for a year include 26 fortnights. Furthermore,
the last reporting Friday of 2005-06 coincided with March 31, the closing day for banks’ accounts.