Recent RBI data indicates that 97.3% of bank deposit accounts in India were fully insured as of September 2025, with 42.1% of the total deposit value insured. This represents a slight increase from the previous period. Co-operative banks showed a higher insured deposit ratio (60.7%) compared to commercial banks (41.2%). Deposit insurance premium collections for DICGC rose by 9.6% in the first half of FY26.