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Often when you get any note in your hand, Reserve Bank of India (RBI) is written on it. This bank does the work of printing notes. If we have to give loans to other banks of the country, make rules or decide the monetary policy of the country, then the role of RBI is important. Now this RBI has earned Rs 4 lakh crore in one year. Neither your money is deposited in this bank, nor does this bank give you loan, then from where did this bank earn so much money? Interestingly, only about Rs 6 thousand crores were spent on printing of notes and the annual expenditure was very low, due to which most of the money was saved.

RBI is the bank of banks of the country i.e. just as we deposit our money in banks, similarly these banks deposit their money in RBI. These banks also take loans from RBI. Apart from this, the work of RBI is to print notes, maintain money supply and keep an eye on the functioning of banks. RBI also earns money by investing at various places and also gives the same money in the form of loans to other banks. He also earns a lot from loans given to banks and investments made elsewhere. RBI gives this money of its profits to the Central Government.

How does the work of RBI work?

RBI has many offices which are in different states of the country. Furthermore, there are printing presses where notes are printed. RBI needs money for all these works. Now, to earn money, RBI invests huge amount in India and abroad. RBI also earns from foreign exchange transactions. The largest part of RBI’s earnings comes from transactions in this foreign issue.

The biggest expenditure of RBI is on giving loans to other banks. Apart from this, money is also spent on salaries of employees and printing of notes.

Earnings and expense details?

If we look at the figures of the year 2025-26 only, then RBI earned Rs 1,17,740 crore in one year from investments made in Indian currency. An income of Rs 27,407 crore was earned in the year from investments made in foreign currency. Apart from this, RBI earned a total of Rs 1,68,906 crore in a year from foreign exchange transactions. Annual income was Rs 4,27,684 crore. Earlier in 2024-25, Rs 3,38,308 crore was earned.

If we talk about expenditure, Rs 4875 crore was spent on printing notes in 2025-26 whereas Rs 6373 crore was spent in the last year i.e. 2024-25. Rs 10,136 crore was spent on salaries, wages and other things of employees in 2025-26. Maximum Rs 1,09,380 crore was spent on giving loans to the banks of the country. In this way the annual expenditure of RBI was Rs 1,41,092 crore.

This means the earning was Rs 4,27,684 crore and the expenditure was Rs 1,41,092 crore. In this way a total of Rs 2,86,588 crore was saved. All this money is transferred to the central government. In 2024-25, RBI had similarly given Rs 2,69,590 crore to the Central Government. The rule is that whatever money is saved is transferred to the Central Government. However, the objective of RBI is not just to earn profits but due to higher earnings and expenditure, profits are generated.

increasing income

If we look at the earnings and expenditure figures, RBI’s earnings increased by 26 percent in 2025-26. Out of this only one third of the money was spent and the remaining money was saved. The rupee is continuously weakening against the dollar and for this the RBI has sold a lot of foreign currency. Now the dollar has become expensive, hence RBI has benefited a lot. This is the reason why RBI has benefited tremendously from foreign exchange transactions. If compared to last year, there has been an increase of 52 percent in the earnings from foreign exchange transactions.