Financial Sector

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Monetary Aggregates

Money Stock : Components and Sources (February 13, 2026)

Date: Feb 13, 2026

(₹ Crore)
Item	Outstanding as on		Variation over
	2025	2026	Fortnight^		Financial Year so far				Year-on-Year
	2025	2026	Fortnight^		2024-25		2025-26		2025		2026
	Mar. 31	Jan. 31*	Amount	%	Amount	%	Amount	%	Amount	%	Amount	%
	1	2	3	4	5	6	7	8	9	10	11	12
M3	27286589	29903539	400854	1.4	1753138	7.0	2616950	9.6	2275188	9.3	3210541	12.0
1 Components (1.1.+1.2+1.3+1.4)
1.1 Currency with the Public	3630751	3906775	16840	0.4	93326	2.7	276024	7.6	180196	5.4	403173	11.5
1.2 Demand Deposits with Banks	2840023	3288801	151143	4.8	64824	2.5	448778	15.8	153883	6.2	637089	24.0
1.3 Time Deposits with Banks	20702508	22590697	232183	1.0	1585230	8.4	1888188	9.1	1917225	10.4	2157306	10.6
1.4 ‘Other’ Deposits with Reserve Bank	113307	117267	688	0.6	9758	10.3	3960	3.5	23883	29.7	12973	12.4
2 Sources (2.1+2.2+2.3+2.4-2.5)
2.1 Net Bank Credit to Government	8510825	8944038	108448	1.2	384831	5.1	433212	5.1	778214	10.8	955636	12.0
2.1.1 Reserve Bank	1508105	1806724	99410		-145320		298619		113534		758831
2.1.2 Other Banks	7002720	7137313	9039	0.1	530151	8.3	134593	1.9	664680	10.6	196805	2.8
2.2 Bank Credit to Commercial Sector	19068129	21312724	352190	1.7	1469174	8.5	2244595	11.8	1878782	11.2	2640718	14.1
2.2.1 Reserve Bank	38246	17876	922		8354		-20370		17523		-4885
2.2.2 Other Banks	19029883	21294849	351268	1.7	1460820	8.5	2264966	11.9	1861260	11.1	2645603	14.2
2.3 Net Foreign Exchange Assets of Banking Sector	6148527	6943129	293995	4.4	181376	3.3	794602	12.9	473425	9.0	1194250	20.8
2.4 Government's Currency Liabilities to the Public	36632	40222	165	0.4	2251	6.7	3591	9.8	2795	8.5	4540	12.7
2.5 Banking Sector's Net Non-Monetary Liabilities	6477524	7336574	353944	5.1	284495	5.2	859050	13.3	858029	17.5	1584602	27.5
2.5.1 Net Non-Monetary Liabilities of RBI	2147427	3097683	258263	9.1	196863	11.0	950257	44.3	265615	15.4	1110686	55.9
Note: Data include the impact of merger of a non-bank with a bank w.e.f. July 14, 2023. ^: With respect to January 15, 2026. *: 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.

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Analytical Accounts of Central Bank

Money Stock : Components and Sources (February 13, 2026)

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Date: Feb 13, 2026

(₹ Crore)
Item	Outstanding as on		Variation over
	2025	2026	Fortnight^		Financial Year so far				Year-on-Year
	2025	2026	Fortnight^		2024-25		2025-26		2025		2026
	Mar. 31	Jan. 31*	Amount	%	Amount	%	Amount	%	Amount	%	Amount	%
	1	2	3	4	5	6	7	8	9	10	11	12
M3	27286589	29903539	400854	1.4	1753138	7.0	2616950	9.6	2275188	9.3	3210541	12.0
1 Components (1.1.+1.2+1.3+1.4)
1.1 Currency with the Public	3630751	3906775	16840	0.4	93326	2.7	276024	7.6	180196	5.4	403173	11.5
1.2 Demand Deposits with Banks	2840023	3288801	151143	4.8	64824	2.5	448778	15.8	153883	6.2	637089	24.0
1.3 Time Deposits with Banks	20702508	22590697	232183	1.0	1585230	8.4	1888188	9.1	1917225	10.4	2157306	10.6
1.4 ‘Other’ Deposits with Reserve Bank	113307	117267	688	0.6	9758	10.3	3960	3.5	23883	29.7	12973	12.4
2 Sources (2.1+2.2+2.3+2.4-2.5)
2.1 Net Bank Credit to Government	8510825	8944038	108448	1.2	384831	5.1	433212	5.1	778214	10.8	955636	12.0
2.1.1 Reserve Bank	1508105	1806724	99410		-145320		298619		113534		758831
2.1.2 Other Banks	7002720	7137313	9039	0.1	530151	8.3	134593	1.9	664680	10.6	196805	2.8
2.2 Bank Credit to Commercial Sector	19068129	21312724	352190	1.7	1469174	8.5	2244595	11.8	1878782	11.2	2640718	14.1
2.2.1 Reserve Bank	38246	17876	922		8354		-20370		17523		-4885
2.2.2 Other Banks	19029883	21294849	351268	1.7	1460820	8.5	2264966	11.9	1861260	11.1	2645603	14.2
2.3 Net Foreign Exchange Assets of Banking Sector	6148527	6943129	293995	4.4	181376	3.3	794602	12.9	473425	9.0	1194250	20.8
2.4 Government's Currency Liabilities to the Public	36632	40222	165	0.4	2251	6.7	3591	9.8	2795	8.5	4540	12.7
2.5 Banking Sector's Net Non-Monetary Liabilities	6477524	7336574	353944	5.1	284495	5.2	859050	13.3	858029	17.5	1584602	27.5
2.5.1 Net Non-Monetary Liabilities of RBI	2147427	3097683	258263	9.1	196863	11.0	950257	44.3	265615	15.4	1110686	55.9
Note: Data include the impact of merger of a non-bank with a bank w.e.f. July 14, 2023. ^: With respect to January 15, 2026. *: 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.

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Interest Rates

Ratios and Rates (February 13, 2026)

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Date: Feb 13, 2026

(Per cent)
Item/Week Ended	2025		2026
	Jan. 24		Jan. 15		Jan. 31
	1		2		3
Ratios
Cash-Deposit Ratio	4.41		3.25		3.37
Credit-Deposit Ratio	80.76		82.18		82.29
Incremental Credit-Deposit Ratio	86.98		98.5		96.96
Investment-Deposit Ratio	29.99		27.79		27.4
Incremental Investment-Deposit Ratio	32.03		5.73		5.15
Item/Week Ended	2025.00	2026
	Feb. 07	Jan. 09	Jan. 16	Jan. 23	Jan. 30	Feb. 06
	1	2	3	4	5	6
Ratios
Cash Reserve Ratio	4.00	3.00	3.00	3.00	3.00	3.00
Statutory Liquidity Ratio	18.00	18.00	18.00	18.00	18.00	18.00
Rates
Policy Repo Rate	6.25	5.25	5.25	5.25	5.25	5.25
Fixed Reverse Repo Rate	3.35	3.35	3.35	3.35	3.35	3.35
Standing Deposit Facility (SDF) Rate *	6.00	5.00	5.00	5.00	5.00	5.00
Marginal Standing Facility (MSF) Rate	6.50	5.50	5.50	5.50	5.50	5.50
Bank Rate	6.50	5.50	5.50	5.50	5.50	5.50
Base Rate	9.10/10.40	8.35/10.00	8.35/10.00	8.35/10.00	8.35/10.00	8.35/10.00
MCLR (Overnight)	8.15/8.45	7.70/7.95	7.70/7.95	7.70/7.95	7.70/7.95	7.70/7.95
Term Deposit Rate >1 Year	6.00/7.25	6.00/6.50	6.00/6.50	6.00/6.50	6.00/6.50	6.00/6.50
Savings Deposit Rate	2.70/3.00	2.50	2.50	2.50	2.50	2.50
Call Money Rate (Weighted Average)	6.44	5.37	5.36	5.43	5.34	5.07
91-Day Treasury Bill (Primary) Yield	6.47	5.31	5.34	5.49	5.50	5.34
182-Day Treasury Bill (Primary) Yield	6.58	5.54	5.60	5.66	5.68	5.60
364-Day Treasury Bill (Primary) Yield	6.54	5.58	5.63	5.72	5.74	5.65
10-Year G-Sec Par Yield (FBIL)	6.73	6.71	6.75	6.74	6.77	6.82
FBIL@Reference Rate and Forward Premia
INR-US$ Spot Rate (₹ Per Foreign Currency)	87.48	90.14	90.65	91.62	91.90	90.42
INR-Euro Spot Rate (₹ Per Foreign Currency)	90.76	105.01	105.22	107.62	109.57	106.69
Forward Premia of US$ 1-month	2.66	3.09	3.10	2.65	2.36	1.81
3-month	2.63	3.38	3.51	3.09	2.83	2.51
6-month	2.31	2.95	3.06	2.75	2.65	2.50
*As per Press Release No. 2022-2023/41 dated April 08, 2022.
@ Financial Benchmarks India Private Limited (FBIL) has taken over from RBI, the computation and dissemination of reference rate for spot USD/INR and exchange rate of other major currencies with effect from July 10, 2018. Data on forward premia are sourced from FBIL with effect from October 13, 2023.
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.

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Stock Market

BSE Sensitive Index and NSE Nifty Index of Ordinary Share Prices - Mumbai

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Date: Dec 28, 2012

	2011	2012
	Dec. 21	Dec. 17	Dec. 18	Dec. 19	Dec. 20	Dec. 21
	1	2	3	4	5	6
BSE SENSEX (1978-79=100)	15685.21	19244.42	19364.75	19476.00	19453.92	19242.00
S & P CNX NIFTY (3.11.1995=1000)	4693.15	5857.90	5896.80	5929.60	5916.40	5847.70