Financial Sector - ਆਰਬੀਆਈ - Reserve Bank of India
monetary-aggregates
Money Stock : Components and Sources (August 22, 2025)
ਤਾਰੀਖ: ਅਗ 22, 2025
| (₹ Crore) | ||||||||||||
| Item | Outstanding as on | Variation over | ||||||||||
| 2025 | Fortnight | Financial Year so far | Year-on-Year | |||||||||
| 2023-24 | 2024-25 | 2024 | 2025 | |||||||||
| Mar. 31 | Aug. 08 | Amount | % | Amount | % | Amount | % | Amount | % | Amount | % | |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | |
| M3 | 27286589 | 28290469 | 150595 | 0.5 | 869742 | 3.5 | 1003879 | 3.7 | 2330979 | 9.9 | 2480866 | 9.6 |
| 1 Components (1.1.+1.2+1.3+1.4) | ||||||||||||
| 1.1 Currency with the Public | 3630751 | 3727565 | 20107 | 0.5 | 15060 | 0.4 | 96813 | 2.7 | 210333 | 6.5 | 302229 | 8.8 |
| 1.2 Demand Deposits with Banks | 2840023 | 2990208 | -28458 | -0.9 | -29142 | -1.1 | 150185 | 5.3 | 237167 | 10.2 | 432462 | 16.9 |
| 1.3 Time Deposits with Banks | 20702508 | 21462974 | 156866 | 0.7 | 885659 | 4.7 | 760466 | 3.7 | 1862608 | 10.4 | 1729155 | 8.8 |
| 1.4 ‘Other’ Deposits with Reserve Bank | 113307 | 109722 | 2080 | 1.9 | -1834 | -1.9 | -3585 | -3.2 | 20870 | 29.1 | 17020 | 18.4 |
| 2 Sources (2.1+2.2+2.3+2.4-2.5) | ||||||||||||
| 2.1 Net Bank Credit to Government | 8510825 | 8680407 | 139090 | 1.6 | 136338 | 1.8 | 169582 | 2.0 | 272856 | 3.7 | 940499 | 12.2 |
| 2.1.1 Reserve Bank | 1508105 | 1615236 | 113086 | -85461 | 107131 | -144437 | 507485 | |||||
| 2.1.2 Other Banks | 7002720 | 7065171 | 26004 | 0.4 | 221799 | 3.5 | 62451 | 0.9 | 417293 | 6.7 | 433014 | 6.5 |
| 2.2 Bank Credit to Commercial Sector | 19068129 | 19407493 | 106513 | 0.6 | 441236 | 2.6 | 339365 | 1.8 | 2045300 | 13.1 | 1763426 | 10.0 |
| 2.2.1 Reserve Bank | 38246 | 12425 | 42 | -3967 | -25821 | 6327 | 1985 | |||||
| 2.2.2 Other Banks | 19029883 | 19395068 | 106471 | 0.6 | 445202 | 2.6 | 365185 | 1.9 | 2038973 | 13.1 | 1761441 | 10.0 |
| 2.3 Net Foreign Exchange Assets of Banking Sector | 6148527 | 6503298 | 36038 | 0.6 | 270025 | 4.9 | 354771 | 5.8 | 772186 | 15.2 | 665770 | 11.4 |
| 2.4 Government's Currency Liabilities to the Public | 36632 | 38057 | 0 | 0 | 874 | 2.6 | 1426 | 3.9 | 3158 | 10.1 | 3751 | 10.9 |
| 2.5 Banking Sector's Net Non-Monetary Liabilities | 6477524 | 6338787 | 131046 | 2.1 | -21270 | -0.4 | -138737 | -2.1 | 762521 | 16.3 | 892580 | 16.4 |
| 2.5.1 Net Non-Monetary Liabilities of RBI | 2147427 | 2333098 | 97230 | 4.3 | 26184 | 1.5 | 185672 | 8.6 | 265894 | 17.1 | 516780 | 28.5 |
| Note: Figures in parentheses include the impact of merger of a non-bank with a bank. | ||||||||||||
analytical-accounts-of-central-bank
Money Stock : Components and Sources (August 22, 2025)
ਤਾਰੀਖ: ਅਗ 22, 2025
| (₹ Crore) | ||||||||||||
| Item | Outstanding as on | Variation over | ||||||||||
| 2025 | Fortnight | Financial Year so far | Year-on-Year | |||||||||
| 2023-24 | 2024-25 | 2024 | 2025 | |||||||||
| Mar. 31 | Aug. 08 | Amount | % | Amount | % | Amount | % | Amount | % | Amount | % | |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | |
| M3 | 27286589 | 28290469 | 150595 | 0.5 | 869742 | 3.5 | 1003879 | 3.7 | 2330979 | 9.9 | 2480866 | 9.6 |
| 1 Components (1.1.+1.2+1.3+1.4) | ||||||||||||
| 1.1 Currency with the Public | 3630751 | 3727565 | 20107 | 0.5 | 15060 | 0.4 | 96813 | 2.7 | 210333 | 6.5 | 302229 | 8.8 |
| 1.2 Demand Deposits with Banks | 2840023 | 2990208 | -28458 | -0.9 | -29142 | -1.1 | 150185 | 5.3 | 237167 | 10.2 | 432462 | 16.9 |
| 1.3 Time Deposits with Banks | 20702508 | 21462974 | 156866 | 0.7 | 885659 | 4.7 | 760466 | 3.7 | 1862608 | 10.4 | 1729155 | 8.8 |
| 1.4 ‘Other’ Deposits with Reserve Bank | 113307 | 109722 | 2080 | 1.9 | -1834 | -1.9 | -3585 | -3.2 | 20870 | 29.1 | 17020 | 18.4 |
| 2 Sources (2.1+2.2+2.3+2.4-2.5) | ||||||||||||
| 2.1 Net Bank Credit to Government | 8510825 | 8680407 | 139090 | 1.6 | 136338 | 1.8 | 169582 | 2.0 | 272856 | 3.7 | 940499 | 12.2 |
| 2.1.1 Reserve Bank | 1508105 | 1615236 | 113086 | -85461 | 107131 | -144437 | 507485 | |||||
| 2.1.2 Other Banks | 7002720 | 7065171 | 26004 | 0.4 | 221799 | 3.5 | 62451 | 0.9 | 417293 | 6.7 | 433014 | 6.5 |
| 2.2 Bank Credit to Commercial Sector | 19068129 | 19407493 | 106513 | 0.6 | 441236 | 2.6 | 339365 | 1.8 | 2045300 | 13.1 | 1763426 | 10.0 |
| 2.2.1 Reserve Bank | 38246 | 12425 | 42 | -3967 | -25821 | 6327 | 1985 | |||||
| 2.2.2 Other Banks | 19029883 | 19395068 | 106471 | 0.6 | 445202 | 2.6 | 365185 | 1.9 | 2038973 | 13.1 | 1761441 | 10.0 |
| 2.3 Net Foreign Exchange Assets of Banking Sector | 6148527 | 6503298 | 36038 | 0.6 | 270025 | 4.9 | 354771 | 5.8 | 772186 | 15.2 | 665770 | 11.4 |
| 2.4 Government's Currency Liabilities to the Public | 36632 | 38057 | 0 | 0 | 874 | 2.6 | 1426 | 3.9 | 3158 | 10.1 | 3751 | 10.9 |
| 2.5 Banking Sector's Net Non-Monetary Liabilities | 6477524 | 6338787 | 131046 | 2.1 | -21270 | -0.4 | -138737 | -2.1 | 762521 | 16.3 | 892580 | 16.4 |
| 2.5.1 Net Non-Monetary Liabilities of RBI | 2147427 | 2333098 | 97230 | 4.3 | 26184 | 1.5 | 185672 | 8.6 | 265894 | 17.1 | 516780 | 28.5 |
| Note: Figures in parentheses include the impact of merger of a non-bank with a bank. | ||||||||||||
interest-rates
Ratios and Rates (August 22, 2025)
ਤਾਰੀਖ: ਅਗ 22, 2025
| (Per cent) | ||||||
| Item/Week Ended | 2024 | 2025 | ||||
| Aug. 16 | Jul. 18 | Jul. 25 | Aug. 01 | Aug. 08 | Aug. 15 | |
| 1 | 2 | 3 | 4 | 5 | 6 | |
| Ratios | ||||||
| Cash Reserve Ratio | 4.50 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 |
| Statutory Liquidity Ratio | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 |
| Cash-Deposit Ratio | .. | .. | 4.29 | .. | 4.28 | .. |
| Credit-Deposit Ratio | .. | .. | 79.24 | .. | 79.26 | .. |
| Incremental Credit-Deposit Ratio | .. | .. | 33.46 | .. | 40.53 | .. |
| Investment-Deposit Ratio | .. | .. | 28.81 | .. | 28.75 | .. |
| Incremental Investment-Deposit Ratio | .. | .. | 3.76 | .. | 5.75 | .. |
| Rates | ||||||
| Policy Repo Rate | 6.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| Fixed Reverse Repo Rate | 3.35 | 3.35 | 3.35 | 3.35 | 3.35 | 3.35 |
| Standing Deposit Facility (SDF) Rate * | 6.25 | 5.25 | 5.25 | 5.25 | 5.25 | 5.25 |
| Marginal Standing Facility (MSF) Rate | 6.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 |
| Bank Rate | 6.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 |
| Base Rate | 9.10/10.40 | 8.50/10.30 | 8.50/10.30 | 8.50/10.30 | 8.50/10.30 | 8.50/10.30 |
| MCLR (Overnight) | 8.15/8.60 | 7.95/8.20 | 7.95/8.20 | 7.85/8.15 | 7.85/8.15 | 7.85/8.15 |
| Term Deposit Rate >1 Year | 6.00/7.30 | 5.85/6.70 | 5.85/6.70 | 5.85/6.70 | 5.85/6.60 | 5.85/6.60 |
| Savings Deposit Rate | 2.70/3.00 | 2.50 | 2.50 | 2.50 | 2.50 | 2.50 |
| Call Money Rate (Weighted Average) | 6.48 | 5.35 | 5.55 | 5.41 | 5.40 | 5.43 |
| 91-Day Treasury Bill (Primary) Yield | 6.62 | 5.39 | 5.39 | 5.40 | 5.46 | 5.49 |
| 182-Day Treasury Bill (Primary) Yield | 6.73 | 5.54 | 5.53 | 5.52 | 5.55 | 5.57 |
| 364-Day Treasury Bill (Primary) Yield | 6.72 | 5.59 | 5.57 | 5.57 | 5.58 | 5.59 |
| 10-Year G-Sec Par Yield (FBIL) | 6.91 | 6.31 | 6.43 | 6.41 | 6.45 | 6.47 |
| Reference Rate and Forward Premia @ | ||||||
| INR-US$ Spot Rate (₹ Per Foreign Currency) | 83.96 | 86.20 | 86.52 | 87.35 | 87.62 | 87.49 |
| INR-Euro Spot Rate (₹ Per Foreign Currency) | 92.22 | 100.16 | 101.73 | 99.88 | 102.05 | 102.38 |
| Forward Premia of US$ 1-month | 1.05 | 1.55 | 1.81 | 1.70 | 1.57 | 1.63 |
| 3-month | 1.29 | 1.60 | 1.76 | 1.68 | 1.70 | 1.77 |
| 6-month | 1.59 | 1.74 | 1.85 | 1.77 | 1.85 | 1.91 |
| *As per Press Release No. 2022-2023/41 dated April 08, 2022. | ||||||
| @ Financial Benchmarks India Private Limited (FBIL) has taken over from RBI, the computation and dissemination of reference rate for spot USD/INR and exchange rate of other major currencies with effect from July 10, 2018. Data on forward premia are sourced from FBIL with effect from October 13, 2023. | ||||||
| Figures in parentheses include the impact of merger of a non-bank with a bank. | ||||||
stock-market
BSE Sensitive Index and NSE Nifty Index of Ordinary Share Prices - Mumbai
ਤਾਰੀਖ: ਦਸੰ 28, 2012
|
2011 |
2012 |
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Dec. 21 |
Dec. 17 |
Dec. 18 |
Dec. 19 |
Dec. 20 |
Dec. 21 |
|
1 |
2 |
3 |
4 |
5 |
6 |
|
BSE SENSEX (1978-79=100) |
15685.21 |
19244.42 |
19364.75 |
19476.00 |
19453.92 |
19242.00 |
S & P CNX NIFTY (3.11.1995=1000) |
4693.15 |
5857.90 |
5896.80 |
5929.60 |
5916.40 |
5847.70 |
ਭਾਰਤੀ ਰਿਜ਼ਰਵ ਬੈਂਕ ਮੋਬਾਈਲ ਐਪਲੀਕੇਸ਼ਨ ਇੰਸਟਾਲ ਕਰੋ ਅਤੇ ਨਵੀਨਤਮ ਖਬਰਾਂ ਤੱਕ ਤੇਜ਼ ਐਕਸੈਸ ਪ੍ਰਾਪਤ ਕਰੋ!
