RBI's balance sheet for FY25 expands by 8.2% to Rs 76.25 lakh crore

RBI announces its annual report for FY25

The Reserve Bank of India’s balance sheet for FY25 expanded by 8.20 percent year-on-year, reaching Rs 76.25 lakh crore as of March 31, 2025, according to its annual report released on May 29.

This marks a significant increase from Rs 70.47 lakh crore in the previous year.

The RBI’s balance sheet essentially gives us an idea of its activities related to currency issuance, monetary policy, and reserve management.

On the assets side, the RBI reported a 52.09 percent increase in gold holdings.

As of the end of FY25, gold holdings, including gold deposits and gold held domestically, played a larger role in the RBI’s overall asset mix.

Additionally, domestic investments rose by 14.32 percent.

Foreign investments also registered a modest rise of 1.70 percent.

The asset portfolio composition as of end of FY25 reveals that domestic assets constituted 25.73 percent of the total, while foreign currency assets, gold, and loans and advances to financial institutions abroad made up 74.27 percent.

On the liabilities side, the RBI noted a 6.03 percent rise in the value of notes issued.

Revaluation accounts, which essentially indicates unrealised gains due to changes in the value of foreign assets and gold, rose by 17.32 percent.

Other liabilities saw a sharp increase of 23.31 percent, indicating broader growth in the RBI’s operational scope.

In terms of financial performance, the RBI's income surged by 22.77 percent in FY25.

Meanwhile, expenditure rose by 7.76 percent.

The RBI ended the year with an overall surplus of Rs 2.68 lakh crore, up from Rs 2.10 lakh crore in FY24.