RBI Data: 97.3% of Bank Deposit Accounts Fully Insured
Why in the news
The Reserve Bank of India published fresh numbers on how much of the banking system’s deposit base is shielded by deposit insurance.
Key facts
- Account-based coverage: 97.3% of deposit accounts fully insured at September 2025.
- Cover limit: ₹5 lakh per depositor per bank.
- Value-based coverage: 42.1% of total deposit value insured.
| Measure | Figure |
|---|---|
| Accounts fully insured (Sept 2025) | 97.3% |
| Deposit value insured (March 2025) | 41.5% |
| Deposit value insured (Sept 2025) | 42.1% |
Exam angle
- Insured amount per depositor per bank: ₹5 lakh.
- Data release by: RBI.
- Value coverage rose from 41.5% to 42.1% between March and September 2025.