Forwarded from GA Genius by Aditya Sir
RBI Transfers ₹2.69 Lakh Crore Surplus to Government – Explained for Students
What Happened?
The Reserve Bank of India (RBI) has approved a record ₹2.69 lakh crore surplus transfer (dividend) to the Government of India for the financial year 2024–25.
This is the highest-ever payout, surpassing last year’s ₹2.11 lakh crore.
Why Does RBI Share Its Profit?
The RBI earns income from:
Interest on government bonds,
Profits from foreign exchange transactions,
Returns on foreign currency assets.
After covering its expenses and setting aside reserves, the remaining surplus is transferred to the government.
This transfer helps the government:
Reduce its fiscal deficit,
Fund infrastructure and welfare projects,
Avoid additional borrowing.
What is the Contingency Risk Buffer (CRB)?
The CRB is a reserve fund maintained by the RBI to manage unforeseen financial risks, such as:
Currency fluctuations,
Economic crises,
Market volatility.
It acts as a financial safety net to ensure stability in challenging times.
Recent Change: CRB Increased to 7.5%
The RBI has raised the CRB to 7.5% of its balance sheet, up from 6.5% last year.
This decision reflects a cautious approach to strengthen financial resilience amid global and domestic uncertainties.
The CRB range has been revised to 6% ± 1.5%, allowing flexibility between 4.5% and 7.5%.
Impact on Government Finances
The surplus transfer provides the government with additional fiscal space, potentially reducing the fiscal deficit by approximately 0.2% of GDP.
It also enhances liquidity in the banking system, which may lead to lower interest rates and borrowing costs.
What Happened?
The Reserve Bank of India (RBI) has approved a record ₹2.69 lakh crore surplus transfer (dividend) to the Government of India for the financial year 2024–25.
This is the highest-ever payout, surpassing last year’s ₹2.11 lakh crore.
Why Does RBI Share Its Profit?
The RBI earns income from:
Interest on government bonds,
Profits from foreign exchange transactions,
Returns on foreign currency assets.
After covering its expenses and setting aside reserves, the remaining surplus is transferred to the government.
This transfer helps the government:
Reduce its fiscal deficit,
Fund infrastructure and welfare projects,
Avoid additional borrowing.
What is the Contingency Risk Buffer (CRB)?
The CRB is a reserve fund maintained by the RBI to manage unforeseen financial risks, such as:
Currency fluctuations,
Economic crises,
Market volatility.
It acts as a financial safety net to ensure stability in challenging times.
Recent Change: CRB Increased to 7.5%
The RBI has raised the CRB to 7.5% of its balance sheet, up from 6.5% last year.
This decision reflects a cautious approach to strengthen financial resilience amid global and domestic uncertainties.
The CRB range has been revised to 6% ± 1.5%, allowing flexibility between 4.5% and 7.5%.
Impact on Government Finances
The surplus transfer provides the government with additional fiscal space, potentially reducing the fiscal deficit by approximately 0.2% of GDP.
It also enhances liquidity in the banking system, which may lead to lower interest rates and borrowing costs.
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