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In this video, we cover the RBI Report – “State Finances: A Study of Budgets 2025-26”, one of the most important reports for RBI Grade B, NABARD Grade A, and UPSC CSE General Studies preparation.

The report is published annually by the Department of Economic and Policy Research (DEPR) of the Reserve Bank of India (RBI) and provides a detailed analysis of the fiscal position of Indian states from 2023-24 (actuals) to 2025-26 (budget estimates).

State of Finance Report RBI

In this lecture, we explain the complete report in a simple conceptual manner, covering important fiscal concepts, data trends, and exam-relevant insights that are frequently asked in RBI, NABARD, UPSC, and other government exams.

What you will learn in this video

✔ Overview of the RBI State Finances Report 2025-26
✔ Theme of the report: Demographic Transition in India – Implications for State Finances
✔ Important fiscal concepts like:

Capital Expenditure (Capex)

CE-TE Ratio

Gross Fiscal Deficit (GFD)

Debt-to-GDP Ratio

Revenue Deficit

Tax Devolution

Liquidity Management (WMA & OD)

✔ Key fiscal trends in Indian states
✔ Capex push and infrastructure spending by states
✔ Role of Special Assistance to States for Capital Investment (SASCI)
✔ Demographic transition and its impact on state finances
✔ Youthful vs Ageing states fiscal strategies
✔ India’s demographic dividend and working age population trends

Key Findings from the Report

• States’ Gross Fiscal Deficit (GFD) estimated at 3.3% of GDP in 2025-26.
• Debt-to-GDP ratio projected around 29.2% by March 2026.
• Capital Expenditure increased to 3.2% of GDP, showing focus on infrastructure.
• CE-TE ratio improved to 18%, indicating more spending on asset creation.
• India’s Total Fertility Rate (TFR) declined to 2.0, below replacement level.
• Working-age population share expected to peak around 2031, representing India’s demographic dividend window.

State of Finance Report RBI

Why this report is important for exams

This report is extremely important for:

RBI Grade B Phase II (ESI)

NABARD Grade A (ESI + ARD Current Affairs)

UPSC CSE General Studies Paper III (Economy)

Banking & Government exams

Questions from such reports are frequently asked in:

MCQs

Interview discussions

Descriptive answers

PDF Notes

Download the complete exam-oriented notes PDF used in this video from the link below.

About Clarity4Sure

Clarity4Sure provides structured preparation for RBI Grade B, NABARD Grade A, SEBI Grade A, and other government exams through concept-based learning, exam-oriented current affairs, and mentorship programs.

Connect With Us

Website: www.c4scourses.in

Telegram: Clarity4sure
Email: c4scourses@gmail.com

If you are preparing for

RBI Grade B
NABARD Grade A
UPSC CSE
Banking Exams

then this video will help you understand the report quickly and revise it effectively for the exam.
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