**Executive Summary**
This document is an extract from the Reserve Bank of India's (RBI) Bulletin Weekly Statistical Supplement, dated January 23, 2026. It provides key financial data on India's monetary and banking sectors, including the RBI's liabilities and assets, foreign exchange reserves, scheduled commercial banks' business, money stock components, and liquidity operations. The data includes variations over the week, financial year, and year-on-year, with the definition of "fortnight" revised as per the Banking Laws (Amendment) Act, 2025, effective December 15, 2025.
**Key Points / Main Content**
* **Reserve Bank of India - Liabilities and Assets:**
* Loans and advances to the central government remain at 0 Crore.
* Loans and advances to state governments stand at 20162 Crore.
* **Foreign Exchange Reserves (as on Jan. 16, 2026):**
* Total Reserves: 6373302 Cr.
* Foreign Currency Assets: 5093544 Cr.
* Gold: 1067327 Cr.
* SDRs: 169967 Cr.
* Reserve Position in the IMF: 42465 Cr.
* **Scheduled Commercial Banks - Business in India (Outstanding as on Dec. 31, 2025):**
* Aggregate Deposits: 24859857 Cr.
* Borrowings: 825578 Cr.
* Other Demand and Time Liabilities: 1060702 Cr.
* Bank Credit: 20322515 Cr.
* Food Credit: 87972 Cr.
* Non-food credit: 20234543 Cr.
* **Money Stock Components and Sources (as on Dec. 31, 2025):**
* Components (M3): 29800906 Cr.
* Currency with the Public: 3828359 Cr.
* Demand Deposits with Banks: 3423133 Cr.
* Time Deposits with Banks: 22434416 Cr.
* **Liquidity Operations by RBI:**
* Liquidity operations data for January 12-18, 2026, provided.
* **Banking Laws Amendment:**
* Definition of "fortnight" revised to the 15th and last calendar day of the month, effective December 15, 2025.
**Impact Analysis**
**RBI**
* **Impact:** The RBI is responsible for compiling and reporting this data, which is crucial for monitoring and managing the country's monetary policy, foreign exchange reserves, and banking sector.
* **Action Required:** Continue to monitor and manage these financial indicators, adjusting policies as necessary to maintain economic stability.
**Scheduled Commercial Banks**
* **Impact:** Banks are subject to the regulations and guidelines set by the RBI, and they must adhere to these rules in their operations. They must also maintain adequate reserves and manage their credit portfolios effectively.
* **Action Required:** Ensure compliance with regulatory requirements and manage their assets and liabilities prudently.
**Government (Central and State)**
* **Impact:** The government relies on the RBI for managing its financial transactions, including loans and advances. The government also needs to monitor the overall health of the banking sector and take steps to support economic growth.
* **Action Required:** Coordinate with the RBI on financial matters and implement policies that promote economic growth and stability.
**General Public**
* **Impact:** The general public is affected by the overall health of the banking sector, as well as by the availability of credit and the stability of the currency.
* **Action Required:** Stay informed about the financial health of the country and make informed decisions about their own finances.
Key Entities Referenced
Reserve Bank of India: Central bank of India, responsible for monetary policy and financial stability
Banking Laws (Amendment) Act, 2025: Law that revised the definition of 'fortnight' for banking purposes.