The share of term deposits in the total deposits rose in the first quarter of FY26, even when the share in the deposits of ‘households’ decreased years ago, according to RBI’s quarterly statistical returns from RBI.
Term set positos registered a growth (year-on-year) of 13.5 percent, which considerably exceed the growth of saving deposits of 5.4 percent in June 2025, according to the statement of the Central Bank on BSR.
Consequently, the share of term deposits in total deposits increased to 62.2 percent of 61 percent in June 2024. Seniors had 20.4 percent of the total deposits such as the end of June 2025.
The share in deposits of ‘households’ witnessed a modest decrease in the recent period to 59.9 percent in June 2025 compared to that of 60.8 percent in June 2024, RBI said.
The corresponding share of ‘financial companies’ rose in June 2025 to 7 percent against 6 percent a year ago.
RBI noted that the transfer of the recent monetary relaxation became clear in the interest structure of term deposits, since the share of such deposits with higher interest rates from ‘7 percent and higher’ fell to 65 percent in June 2025 compared to 66.9 percent a year ago.
RBI noted that almost 70 percent of the term deposits were responsible for the original forged bucket of 1-3 years in June 2025, while about 20 percent of the short-term deposits were deposits with a maturity of less than a year.
Deposits growth of banks in the public sector and banks in the private sector amounted to 10.2 percent and 12.4 percent in June 2025 respectively; While their corresponding shares in deposits floated by 57.3 percent and 36.0 percent respectively.
Top five states/ trade union areas (Maharashtra, NCR from Delhi, Karnataka, Uttar Pradesh and Tamil Nadu) jointly accounted for 54.3 percent of the total deposits and 47.8 percent of the deposits of ‘households’ at the end of June 2025.
Bank deposits with planned commercial bank have registered a YOY growth of 11.3 percent, at the end of June 2025 compared to those of 11.7 percent in the same period last year.
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Published on August 29, 2025
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