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Ratios and Rates
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Ratios and Rates
తేదీ: జనవరి 09, 2026
| (Per cent) | ||||||
| Item/Fortnight Ended # | 2024 | 2025 | ||||
| Dec. 27 | Dec. 15 | Dec. 31 | ||||
| 1 | 2 | 3 | ||||
| Ratios | ||||||
| Cash-Deposit Ratio | 4.66 | 3.43 | 3.20 | |||
| Credit-Deposit Ratio | 80.42 | 81.61 | 81.75 | |||
| Incremental Credit-Deposit Ratio | 82.58 | 93.51 | 91.19 | |||
| Investment-Deposit Ratio | 29.90 | 28.52 | 27.70 | |||
| Incremental Investment-Deposit Ratio | 30.82 | 11.82 | 8.21 | |||
| 2025 | 2026 | |||||
| Item/Week Ended | Jan. 03 | Dec. 05 | Dec. 12 | Dec. 19 | Dec. 26 | Jan. 02 |
| 1 | 2 | 3 | 4 | 5 | 6 | |
| Ratios | ||||||
| Cash Reserve Ratio | 4.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 |
| Statutory Liquidity Ratio | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 |
| Rates | ||||||
| Policy Repo Rate | 6.50 | 5.25 | 5.25 | 5.25 | 5.25 | 5.25 |
| Fixed Reverse Repo Rate | 3.35 | 3.35 | 3.35 | 3.35 | 3.35 | 3.35 |
| Standing Deposit Facility (SDF) Rate * | 6.25 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Marginal Standing Facility (MSF) Rate | 6.75 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| Bank Rate | 6.75 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| Base Rate | 9.10/10.40 | 8.35/10.00 | 8.35/10.00 | 8.35/10.00 | 8.35/10.00 | 8.35/10.00 |
| MCLR (Overnight) | 8.15/8.45 | 7.80/7.95 | 7.80/7.95 | 7.80/7.95 | 7.80/7.95 | 7.70/7.95 |
| Term Deposit Rate >1 Year | 6.00/7.25 | 5.85/6.60 | 5.85/6.60 | 5.85/6.60 | 5.85/6.60 | 6.00/6.50 |
| Savings Deposit Rate | 2.70/3.00 | 2.50 | 2.50 | 2.50 | 2.50 | 2.50 |
| Call Money Rate (Weighted Average) | 6.60 | 5.37 | 5.19 | 5.37 | 5.43 | 5.43 |
| 91-Day Treasury Bill (Primary) Yield | 6.60 | 5.35 | 5.27 | 5.28 | 5.26 | .. |
| 182-Day Treasury Bill (Primary) Yield | 6.72 | 5.53 | 5.48 | 5.50 | 5.48 | .. |
| 364-Day Treasury Bill (Primary) Yield | 6.70 | 5.55 | 5.49 | 5.50 | 5.54 | .. |
| 10-Year G-Sec Par Yield (FBIL) | 6.78 | 6.55 | 6.66 | 6.67 | 6.65 | 6.69 |
| FBIL@Reference Rate and Forward Premia | ||||||
| INR-US$ Spot Rate (₹ Per Foreign Currency) | 85.76 | 89.92 | 90.39 | 90.20 | 89.83 | 90.12 |
| INR-Euro Spot Rate (₹ Per Foreign Currency) | 88.11 | 104.82 | 106.08 | 105.68 | 105.85 | 105.84 |
| Forward Premia of US$ 1-month | 3.12 | 2.92 | 3.55 | 5.05 | 5.24 | 2.57 |
| 3-month | 3.37 | 2.65 | 2.93 | 3.63 | 3.52 | 2.90 |
| 6-month | 2.86 | 2.56 | 2.84 | 3.21 | 3.08 | 2.55 |
| *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. | ||||||
| Data include the impact of merger of a non-bank with a bank w.e.f. July 1, 2023. | ||||||
| # As per the Banking Laws (Amendment) Act, 2025, the definition of fortnight has been revised from alternate Fridays to 15th and last calendar day of a month, w.e.f. December 15, 2025. | ||||||
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