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Narrow and Broad Money

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Estimated time: 11 minutes
CBSE: Class 12

Money Supply

  • Money supply, like money demand, is a stock variable.
  • The total stock of money in circulation among the public at a particular point of time is called money supply.

RBI’s Measures of Money Supply

  • RBI publishes figures for four alternative measures of money supply: M1, M2, M3 and M4.
CBSE: Class 12

Meaning of M1, M2, M3, M4

  • M1 = CU + DD
  • M2 = M1 + Savings deposits with Post Office savings banks
  • M3 = M1 + Net time deposits of commercial banks
  • M4 = M3 + Total deposits with Post Office savings organisations (excluding National Savings Certificates)
CBSE: Class 12

CU and DD

  • CU is currency (notes plus coins) held by the public.
  • DD is net demand deposits held by commercial banks.
  • “Net” implies only deposits of the public held by the banks are included in the money supply.
  • Interbank deposits (which a commercial bank holds in other commercial banks) are not regarded as part of the money supply.
CBSE: Class 12

Narrow Money vs Broad Money

  • M1 and M2 are known as narrow money.
  • M3 and M4 are known as broad money.
  • M3 is the most commonly used measure of money supply.
  • M3 is also known as aggregate monetary resources.
CBSE: Class 12

Liquidity of Different Measures

  • The measures M1, M2, M3 and M4 are in decreasing order of liquidity.
  • M1 is most liquid and easiest for transactions.
  • M4 is least liquid of all
CBSE: Class 12

Key Points: Narrow and Broad Money

  • Money supply is a stock variable: total stock of money with the public at a point of time.
  • RBI uses four measures: M1, M2, M3, M4.
  • M1 = CU + DD; M2 = M1 + savings deposits with Post Office savings banks.
  • M3 = M1 + net time deposits of commercial banks; M4 = M3 + total deposits with Post Office savings organisations (excluding NSCs).
  • CU = currency with the public; DD = net demand deposits of the public; interbank deposits are excluded.
  • M1, M2 = narrow money; M3, M4 = broad money.
  • Liquidity: M1 most liquid, M4 least; M3 is most commonly used and called aggregate monetary resources.
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