3. Scheduled Commercial Banks - Business in India	
						(Rs. crore)	
							
	Outstanding						
		as on		Variation over			
Item		1999		Financial year so far			
		Jan. 1#	Fortnight	1997-98	1998-99	Year	
1		2	3	4	5	6	
							
Liabilities to the Banking System							
Demand and time deposits from banks		29,378	706	3,338	5,696	8,644	
Borrowings from Banks(1)		10,472	-861	4,966	3,312	2,248	
Other demand and time liabilities(2)		593	64	-97	-852	151	
Liabilities to Others							
Aggregate deposits		6,83,081@	3,187	58,550	77,671	1,18,932	
			(0.5)	(11.6)	(12.8)	(21.1)	
Demand		1,00,993	1,707	-132	-1,520	10,515	
Time		5,82,088@	1,480	58,682	79,191	1,08,417	
Borrowings(3)		1,878	737	608	599	333	
Other demand and time liabilities		47,920	2,582	3,876	8,166	9,791	
							
Borrowings from Reserve Bank		4,956	1,806	185	4,561	4,211	
							
Cash in hand and Balances with Reserve Bank		75,267	7,212	6,519	13,961	15,553	
Cash in hand		3,845	115	279	237	219	
Balances with Reserve Bank		71,422	7,097	6,241	13,724	15,334	
							
Assets with the Banking System							
Balance with other Banks(4)		11,552	134	1,547	—	1,635	
Money at call and short notice		17,000	-1,491	-829	8,139	9,870	
Advances to banks		1,623	38	-95	-540	-158	
Other assets		1,411	345	-309	-255	33	
Investments(5)		2,49,683	-1,810	24,850	30,978	34,320	
			(-0.7)	(13.0)	(14.2)	(15.9)	
							
Government securities		2,18,097	-1,798	25,072	31,140	34,135	
Other approved securities		31,586	-12	-223	-162	185	
							
Bank Credit		3,44,024	5,071	22,125	19,945	43,498	
			(1.5)	(7.9)	(6.2)	(14.5)	
							
Food Credit		16,101	114	4,259	3,616	4,245	
Non-food credit		3,27,923	4,957	17,866	16,329	39,253	
							
Loans, cash-credit and overdrafts		3,15,170	3,620	21,100	20,435	42,448	
Inland bills- purchased		4,190	155	462	-470	-459	
discounted(6)		10,124	880	335	356	1,184	
Foreign bills-purchased		7,650	1,025	138	-280	-137	
discounted		6,888	-611	90	-97	461	
							
Cash-Deposit Ratio		11.02					
Investment-Deposit Ratio		36.55					
Credit-Deposit Ratio		50.36					
	
@ : Includes Rs. 17,945 crore on account of proceeds from Resurgent India Bonds (RIBs). Excluding these proceeds, the growth rates in aggregate deposits as shown in columns 5 and 6 would work out to 9.9 per cent and 17.9 per cent, respectively.	
(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, IDBI, 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 variations in the relevant period.