The total deposits held by scheduled banks declined by 3.4% to Rs34.28 trillion in July 2025, compared to Rs35.5 trillion in June, according to data released by the central bank. However, on a year-on-year basis, deposits increased by 12% from Rs30.6 trillion in July 2024.
Meanwhile, total advances decreased by 1.8% to Rs13.27 trillion, compared to Rs13.52 trillion in June. Despite the monthly decline, advances grew by 11.8% compared to Rs11.87 trillion in July 2024.
As a result of weak deposit growth and a strong inflow of advances, the Advances to Deposits Ratio (ADR) rose to 38.7%, up 63 basis points on a monthly basis. However, the ADR showed a slight decrease of 7 basis points compared to a year ago.
In terms of investments, total investments decreased by 1.0% to Rs36.19 trillion from the previous month. Nevertheless, investments showed a significant increase of 18.9% compared to last year.
The Investment to Deposit Ratio (IDR) rose by 255 basis points to 105.6% compared to last month, and increased by 614 basis points when compared to the same month last year.
