RBI Reports 8.20% Rise in FY25 Balance Sheet to ₹76.25 Lakh Crore

The Reserve Bank of India (RBI) has announced a significant rise in its balance sheet for the financial year ending March 31, 2025. According to the central bank’s Annual Report, the balance sheet has grown by 8.20% year-on-year, reaching ₹76.25 lakh crore, up from ₹70.47 lakh crore in the previous fiscal year. This growth reflects the RBI’s expanding role in monetary operations, currency management and foreign exchange reserves.

Surplus and Income Surge in FY25

The RBI’s financial performance for FY25 shows strong growth in both income and expenditure. Total income rose by 22.77%, while expenditure went up by 7.76%. Despite higher spending, the bank recorded a notable surplus of ₹2.68 lakh crore, a 27.37% increase over the ₹2.10 lakh crore reported in FY24. This surplus, after necessary provisions, is payable to the central government.

A key portion of the provisions—₹44,861.70 crore—was allocated to the Contingency Fund (CF). However, no contribution was made to the Asset Development Fund (ADF) this year. The RBI had earlier declared a record dividend payout of ₹2.69 lakh crore to the government on May 23, 2025.

What Boosted RBI’s Assets in FY25?

On the asset side, the growth was driven by strong increases in gold holdings, domestic investments, and foreign investments. Gold holdings increased sharply by 52.09%, while domestic investments grew by 14.32% and foreign investments went up by 1.70%, all contributing to the overall rise in the RBI’s asset base. 

By March 31, 2025, domestic assets made up 25.73% of the total, whereas 74.27% comprised foreign currency assets, gold (including gold deposits), and loans and advances extended to financial institutions abroad.

Increase in Liabilities

The liabilities side of the balance sheet also saw considerable expansion. The main contributors were an increase in notes issued (6.03%), revaluation accounts (17.32%), and other liabilities (23.31%). These figures reflect the RBI’s expanding role in managing the country’s currency and financial system.

Conclusion

The RBI’s performance in FY25 highlights its critical role in India’s economic framework. With a balance sheet touching ₹76.25 lakh crore and a record surplus, the central bank continues to strengthen its financial and policy operations.

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