Flow · Wages, mixed income and profits → Banks and financial institutions
Financial firms' operating surplus
Value in 2023-24
₹10.87 lakh crore
3.7% of GDP
Gross flows can exceed GDP. GDP counts only final output once; the map also shows the inputs firms buy from each other and the money that passes through financial markets.
This amount adds up several entries of the accounts. The label for how its parts were made is the least certain kind of entry that carries at least 10% of the value:Set when the accounts were balanced so that every row and column adds up; the change was large enough to need an explanation.How the parts were madeThe total is held to these figures from published statistics:
What it is
The gross operating surplus of financial corporations. Its total follows national accounts; the split among the RBI, banks, NBFCs and insurers is estimated.
Trend
No annual series; only the 2023-24 SAM value exists.
What is inside
The entries that make up this flow, largest first.
| Item | Value | Label |
|---|---|---|
| Operating surplus of financial firms, by type (F4a · private) Before → after balancing: ₹3.30 lakh crore → ₹3.44 lakh crore (4.1%) Why it moved: explained. Explained. E_BANK <- F_GOSC F4a private, 3,30,310 -> 3,43,804 (13,494, +4.1%; z 1.041; free medium; binding: f4a.fins_gos (target 9,68,693, balanced 9,68,692, at its lower edge)). E_BANK ran a -1,02,838 deficit and E_NBF… Held by: RBI + banks + NBFCs GOS = SUT industry 55 OS/MI + CFC | ₹3.44 lakh crore | Set by balancing |
| Operating surplus of financial firms, by type (F4a · private) Before → after balancing: ₹2.61 lakh crore → ₹2.47 lakh crore (−5.2%) Why it moved: explained. Explained. E_NBFC <- F_GOSC F4a private, 2,60,539 -> 2,46,960 (-13,580, -5.2%; z 0.948; free medium; binding: f4a.fins_gos (target 9,68,693, balanced 9,68,692, at its lower edge)). E_BANK ran a -1,02,838 deficit and E_NB… Held by: RBI + banks + NBFCs GOS = SUT industry 55 OS/MI + CFC | ₹2.47 lakh crore | Set by balancing |
| Operating surplus of financial firms, by type (F4a · public) Before → after balancing: ₹2.24 lakh crore → ₹2.33 lakh crore (3.8%) Why it moved: explained. Explained. E_BANK <- F_GOSC F4a public, 2,24,285 -> 2,32,776 (8,491, +3.8%; z 1.038; free medium; binding: f4a.fins_gos (target 9,68,693, balanced 9,68,692, at its lower edge); f4a.public (target 4,34,233, balanced 4,34,… Held by: RBI + banks + NBFCs GOS = SUT industry 55 OS/MI + CFC; Public FC GOS = NAS 7.1A financial OS + CFC | ₹2.33 lakh crore | Set by balancing |
| Operating surplus of financial firms, by type (F4a · public) Before → after balancing: ₹1.53 lakh crore → ₹1.45 lakh crore (−5.5%) Why it moved: explained. Explained. E_NBFC <- F_GOSC F4a public, 1,53,187 -> 1,44,785 (-8,402, -5.5%; z 0.945; free medium; binding: f4a.fins_gos (target 9,68,693, balanced 9,68,692, at its lower edge); f4a.public (target 4,34,233, balanced 4,34… Held by: RBI + banks + NBFCs GOS = SUT industry 55 OS/MI + CFC; Public FC GOS = NAS 7.1A financial OS + CFC | ₹1.45 lakh crore | Set by balancing |
| Operating surplus of financial firms, by type (F4a · private) Before → after balancing: ₹61,627 crore → ₹61,712 crore (0.1%) Held by: Insurance and pension GOS = SUT industry 56 OS/MI + CFC | ₹61,712 crore | Estimated |
| Operating surplus of financial firms, by type (F4a · public) Before → after balancing: ₹56,389 crore → ₹56,305 crore (−0.1%) Held by: Insurance and pension GOS = SUT industry 56 OS/MI + CFC; Public FC GOS = NAS 7.1A financial OS + CFC | ₹56,305 crore | Estimated |
| Operating surplus of financial firms, by type (F4a · public) Before → after balancing: ₹371 crore → ₹367 crore (−1.0%) Held by: RBI + banks + NBFCs GOS = SUT industry 55 OS/MI + CFC; Public FC GOS = NAS 7.1A financial OS + CFC | ₹367 crore | Derived |
Sources
- National Accounts Statistics 2026 (new base 2022-23), per-statement XLSXNational Accounts Division, NSO, MoSPI. Table Statement 8.12, Statement 7.1A. Retrieved 2026-09-29.
- IRDAI Handbook on Indian Insurance Statistics 2024-25Insurance Regulatory and Development Authority of India. Table Table 44, Table 24. Retrieved 2026-09-29.
- RBI Annual Report 2025-26 (incl. RBI accounts, appendix tables)Reserve Bank of India. Table Income Statement. Retrieved 2026-09-29.Link withheld until RBI grants permission (ISSUES P1-9)
- Supply and Use Tables 2022-23 and 2023-24 (base 2022-23)National Accounts Division, NSO, MoSPI. Table Use Table 2023-24 (value-added block). Retrieved 2026-09-29.
- Report on Trend and Progress of Banking in India 2024-25Reserve Bank of India. Table Table IV.3, Appendix Table VI.6, Table VI.12, Table V.15, Appendix Table VI.7, Table V.18, Table V.5, Table IV.32. Retrieved 2026-09-29.Link withheld until RBI grants permission (ISSUES P1-9)