**Executive Summary**
This document is an extract from the Reserve Bank of India's (RBI) Bulletin Weekly Statistical Supplement, dated January 02, 2026. It presents data on the RBI's liabilities and assets, foreign exchange reserves, scheduled commercial banks' business in India, and money stock components and sources. The data provided is provisional and includes variations over the week, financial year, and year-on-year.
**Key Points / Main Content**
* **RBI Liabilities and Assets:**
* Loans and Advances: Central Government (0 Cr.), State Governments (23359 Cr.).
* **Foreign Exchange Reserves (as of Dec. 26, 2025):**
* Total Reserves: Cr. 6258848, US$ Mn. 696610
* Foreign Currency Assets: Cr. 5027961, US$ Mn. 559612
* Gold: Cr. 1018151, US$ Mn. 113320
* SDRs: Cr. 168943, US$ Mn. 18803
* Reserve Position in the IMF: Cr. 43793, US$ Mn. 4875
* #Excludes (a) SDR holdings of the Reserve Bank, as they are included under the SDR holdings; (b) investment in bonds issued by IIFC (UK); (c) amounts lent under SAARC and ACU currency swap arrangements; and (d) RBI's contribution to funding of Nexus Global Payments.
* **Scheduled Commercial Banks - Business in India (Outstanding as on Dec. 15, 2025):**
* Liabilities to Others:
* Aggregate Deposits: 24131870 Cr.
* Growth (Per cent): -0.5 %
* Demand: 2919952 Cr.
* Time: 21211918 Cr.
* Borrowings: 841792 Cr.
* Other Demand and Time Liabilities: 1283932 Cr.
* Bank Credit: 19694564 Cr.
* Growth (Per cent): 0.8 %
* Food Credit: 83950 Cr.
* Non-food credit: 19610614 Cr.
* *Note: 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.
* **Money Stock: Components and Sources (Outstanding as on Dec. 15, 2025):**
* M3 Components: 29058340 Cr.
* Currency with the Public: 3820476 Cr.
* Demand Deposits with Banks: 3065541 Cr.
* Time Deposits with Banks: 22057742 Cr.
* 'Other' Deposits with Reserve Bank: 114582 Cr.
* Sources:
* Net Bank Credit to Government: 8814395 Cr.
* Reserve Bank: 1612903 Cr.
* Other Banks: 7201492 Cr.
* Bank Credit to Commercial Sector: 20506634 Cr.
* Reserve Bank: 11439 Cr.
* Other Banks: 20495194 Cr.
* *Note: Data include the impact of merger of a non-bank with a bank w.e.f. July 14, 2023.
* \^: With respect to November 28, 2025.
* \*: With the change in the definition of fortnight vide The Banking Laws (Amendment) Act, 2025, data for money supply are published for the 15th and the last day of the month, effective December 15, 2025.
* **Liquidity Operations by RBI (As of December 28, 2025):**
* Data on Repo, Reverse Repo, Variable Rate Repo, Variable Rate Reverse Repo, MSF, SDF, Standing Liquidity Facilities, OMO (Outright) Sale and Purchase, and Net Injection (+)/ Absorption (-).
**Impact Analysis**
**RBI**
*Impact:* Affected in terms of monitoring and managing monetary policy, foreign exchange reserves, and liquidity in the banking system.
*Action Required:* Analyze the data to make informed decisions on interest rates, liquidity management, and foreign exchange interventions.
**Scheduled Commercial Banks**
*Impact:* Affected in terms of their lending operations, deposit mobilization, and compliance with RBI's regulations.
*Action Required:* Adjust their lending and deposit strategies based on the trends in credit growth, deposit growth, and RBI's policy measures.
**Central Government and State Governments**
*Impact:* Affected in terms of their borrowing costs and the availability of credit for development projects.
*Action Required:* Plan their borrowing programs based on the interest rate environment and the overall availability of credit.
**General Public**
*Impact:* Affected in terms of the availability of credit, interest rates on deposits, and overall economic stability.
*Action Required:* Make informed decisions on savings, investments, and borrowing based on the prevailing economic conditions and interest rate environment.
Key Entities Referenced
Reserve Bank of India: The central bank of India, the primary subject of the bulletin extract regarding liabilities, assets, and monetary policy.
Foreign Exchange Reserves: A key asset managed by the Reserve Bank of India, crucial for understanding India's external financial position.
Scheduled Commercial Banks: Commercial banks in India whose business activities and financial data are included in the bulletin extract.
Liquidity Adjustment Facility (LAF): An instrument used by the Reserve Bank of India to manage liquidity in the banking system.
Banking Laws (Amendment) Act, 2025: Law revising the definition of a fortnight, impacting how money supply data is reported in the document.