**Executive Summary**
This document is an extract from the Reserve Bank of India's (RBI) Bulletin Weekly Statistical Supplement, dated November 07, 2025. It provides a snapshot of key financial indicators, including the Reserve Bank of India's liabilities and assets, foreign exchange reserves, scheduled commercial banks' business in India, money stock components and sources, and liquidity operations by the RBI. The data presented is as of October 2025 with variations compared to previous periods.
**Key Points / Main Content**
* **Reserve Bank of India - Liabilities and Assets:**
* Loans and Advances: ₹31294 Crore (Oct 31, 2025) - ₹11278 Crore year-on-year variation.
* **Foreign Exchange Reserves (as on Oct. 31, 2025):**
* Total Reserves: ₹6123031 Crore, a year-on-year increase of ₹387116 Crore
* Foreign Currency Assets: ₹5012117 Crore
* Gold: ₹903062 Crore
* SDRs: ₹165514 Crore
* Reserve Position in the IMF: ₹42338 Crore
* **Scheduled Commercial Banks - Business in India (as on Oct. 17, 2025):**
* Aggregate Deposits: ₹23883278 Crore, a year-on-year increase of ₹2074946 Crore
* Demand Deposits: ₹2973155 Crore
* Time Deposits: ₹20910123 Crore
* Bank Credit: ₹19211865 Crore, a year-on-year increase of ₹1974190 Crore
* Food Credit: ₹52490 Crore
* Non-food Credit: ₹19159375 Crore
* **Money Stock Components and Sources (M3):**
* M3: ₹28714532 Crore as of Oct 17, 2025
* Currency with the Public: ₹3729201 Crore
* Demand Deposits with Banks: ₹3118369 Crore
* Time Deposits with Banks: ₹21752052 Crore
* Net Bank Credit to Government: ₹8693976 Crore
* Bank Credit to Commercial Sector: ₹20023114 Crore
* **Liquidity Operations by RBI:**
* Includes data from Oct 27, 2025, to Nov 02, 2025, specifying amounts related to Reverse Repo, Variable Rate Repo/Reverse Repo, MSF (Marginal Standing Facility), SDF (Standing Deposit Facility), Standing Liquidity Facilities, OMO (Outright) Sale and Purchase, and Net Injection (+)/Absorption (-).
**Impact Analysis**
* **RBI (Reserve Bank of India):**
* **Impact:** Monitoring and management of monetary policy through foreign exchange reserves, liquidity operations, and oversight of scheduled commercial banks.
* **Action Required:** Continued monitoring and potential adjustments to monetary policy based on observed trends.
* **Scheduled Commercial Banks:**
* **Impact:** Their deposit base, lending operations, and overall business activities are detailed, impacting their financial performance and regulatory compliance.
* **Action Required:** Review their deposit and credit portfolios, adjust lending strategies, and ensure compliance with RBI guidelines.
* **Government (Central and State):**
* **Impact:** Affected by the lending rates and credit availability, influencing their ability to finance projects and manage public finances.
* **Action Required:** Review fiscal planning based on credit availability and interest rate scenarios.
* **General Public/Economy:**
* **Impact:** Availability of credit, interest rates, and overall financial stability, impacting investment, consumption, and economic growth.
* **Action Required:** General awareness of the economy.
Key Entities Referenced
Reserve Bank of India: Central bank of India, issuing this bulletin and responsible for monetary policy.
Scheduled Commercial Banks: Commercial banks in India that are included in the Second Schedule to the Reserve Bank of India Act, 1934.
Liquidity Adjustment Facility (LAF): Monetary policy instrument used by the Reserve Bank of India to inject or absorb liquidity.
Marginal Standing Facility (MSF): A facility under which scheduled commercial banks can borrow additional amounts of overnight money from the Reserve Bank of India.
Standing Deposit Facility (SDF): A tool that helps the Reserve Bank of India absorb excess liquidity from the commercial banks without any collateral.