The RBI has made it clear the transfer has been done from its retained earnings which is a very conscious decision and holds well for the central bank, Soumya Kanti Ghosh, group chief economic adviser, State Bank of India, told NDTV. With government revenues not looking encouraging and in conjuncture with the RBI's accommodative stance, the transfer will help the government maintain its fiscal deficit target with no additional borrowings, Mr Ghosh added.