RBI Approves Record Rs 2.86 Lakh Crore Surplus Transfer to Government

The Central Board of Directors of the Reserve Bank of India, in its 623rd meeting held in Mumbai under the chairmanship of Sanjay Malhotra, approved the transfer of a record surplus of Rs 2.86 lakh crore to the Central Government for FY 2025-26 after reviewing the domestic and global economic situation and finalising the RBI’s annual accounts.

The Board noted that the RBI’s gross income for FY 2025-26 increased by 26.42% over the previous financial year, while expenditure before risk provisions rose by 27.60%. The central bank’s net income before risk provisions and transfer to statutory funds stood at Rs 39,597.21 crore for FY 2025-26, compared to Rs 31,345.77 crore in FY 2024-25.

The RBI’s balance sheet also recorded substantial expansion during the year. As of March 31, 2026, the balance sheet size increased by 20.61% to Rs 9,197,121.08 crore.

The Board further reviewed the revised Economic Capital Framework (ECF), which permits the Contingent Risk Buffer (CRB) to be maintained within a range of 4.5% to 7.5% of the RBI’s balance sheet size. Considering prevailing macroeconomic conditions, financial performance and risk management requirements, the Board approved the transfer of Rs 10,937.96 crore towards the CRB for FY 2025-26, significantly higher than Rs 44,861.70 crore transferred in the previous year. The CRB has been maintained at 6.5% of the RBI’s balance sheet.

“The Central Board approved the transfer of a surplus of Rs 286,588.46 crore to the Central Government for the accounting year 2025-26.”

The meeting was attended by Deputy Governors Swaminathan J., Poonam Gupta, Shirish Chandra Murmu and Rohit Jain, along with other directors, including Anand Mahindra, Venu Srinivasan and Pankaj Ramanbhai Patel.

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