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The Reserve Bank of India (RBI) announced its bimonthly monetary policy today, introducing significant changes that impact the economy, banking, and personal finance sectors. Here's a detailed breakdown of all the important updates:
📉 1. Repo Rate Cut by 50 Basis Points – Now at 5.5%
In a bold move, RBI has reduced the repo rate by 50 basis points, bringing it down to 5.5%, the largest cut in the last 5 years. The Cash Reserve Ratio (CRR) has also been slashed by 1%, now set at 3%.
Impact:
This decision aims to boost economic growth, increase lending, and make loans more affordable for consumers and businesses.
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💰 2. Easier Rules for Gold Loans up to ₹2.5 Lakhs
RBI has increased the Loan-to-Value (LTV) ratio for gold loans up to ₹2.5 lakh to 85%, providing more financial flexibility to small borrowers, especially in rural and semi-urban areas.
Impact:
Borrowers can now get more money against their gold assets, which is especially helpful during financial emergencies.
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🌐 3. New Liquidity Rules for Digital Deposits
From April 1, 2026, all retail digital deposits (through internet or mobile banking) will carry an additional 2.5% run-off factor, as per new RBI guidelines.
Impact:
This step is aimed at managing liquidity risks and improving stability in digital banking operations.
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📈 4. Inflation & GDP Forecast for 2025-26
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Retail inflation forecast remains at 4.2% for FY 2025-26 and 4.8% for FY 2024-25.
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GDP growth is expected to be 6.5%, with efforts to push it towards 7–8% in the long run.
Impact:
This indicates a cautious yet optimistic approach towards economic recovery and inflation control.
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🔐 5. RBI Introduces Secure Internet Domains
To enhance cybersecurity in the financial sector, RBI has announced the launch of new secure domains like:
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bank.in
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fin.in
These domains will be used to improve the authenticity and trust of online financial platforms.
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✅ Final Thoughts
These new RBI announcements signal a pro-growth and digital-secure approach. Lower interest rates, easier loan access, and stronger cyber regulations are all designed to stabilize India’s economy while encouraging digital transformation.
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