RBI MPC Ne Repo Rate Mein Kiya 50 BPS Ka Cut: Kya Hoga Asar?
June 6, 2025 | KishanBaraiya.com
Aaj, Reserve Bank of India (RBI) ke Monetary Policy Committee (MPC) ne ek bada faisla liya hai, jismein unhone repo rate ko 50 basis points (bps) se kam karke 5.5% kar diya hai. Yeh teesra consecutive rate cut hai is saal, aur iske saath RBI ne policy stance ko bhi ‘accommodative’ se badalkar ‘neutral’ kar diya hai. Is news ka asar aam janta se lekar businesses tak, sab pe padne wala hai. Chaliye, iske baare mein detail mein jaante hain!
Kya Hai Repo Rate Aur Kyun Hai Yeh Important?
Repo rate woh interest rate hota hai jismein RBI commercial banks ko short-term loans deta hai. Jab yeh rate kam hota hai, toh banks ke liye borrowing sasti ho jati hai, aur woh apne customers ko saste loans offer kar sakte hain. Is baar, RBI ne repo rate ko 6% se ghatakar 5.5% kiya hai, jo ki February 2025 se ab tak total 100 bps ka cut hai. Isse home loans, car loans, aur personal loans ke EMIs mein kami aane ki ummeed hai.
Kyun Kiya Gaya Yeh Rate Cut?
RBI Governor Sanjay Malhotra ke leadership mein MPC ne yeh faisla liya hai kyunki inflation (mehangai) abhi control mein hai. April 2025 mein retail inflation 3.16% tak gir gaya, jo ki RBI ke 4% target se kaafi kam hai. Saath hi, economic growth thodi slow hai, aur global uncertainties jaise US tariffs ka asar bhi Indian economy pe pad raha hai. Isliye, RBI ne growth ko boost karne ke liye yeh 50 bps ka jumbo cut kiya, jo ki experts ke 25 bps cut ke anuman se zyada hai.
Governor Malhotra ne kaha, “Humne inflation ke battle ko jeet liya hai, aur ab growth ko support karna zaroori hai.” Iske saath hi, unhone Cash Reserve Ratio (CRR) ko bhi 100 bps se kam karke 3% kar diya, jo banks ke paas ₹2.5 lakh crore ki liquidity release karega. Yeh banks ko aur zyada lending karne mein madad karega.
Isse Kiska Fayda Hoga?
- Borrowers: Home, auto, aur personal loans ke interest rates ghatne se EMIs mein kami aayegi, jo middle-class families ke liye badi relief hai.
- Bond Market: Interest rates kam hone se bond prices badhengi, jo investors ke liye good news hai.
- Businesses: Sasti borrowing se MSMEs, housing, aur healthcare sectors mein growth dekhne ko milega.
- Stock Market: Dalal Street ne is announcement ka swagat kiya, aur Sensex mein 700 points se zyada ki tezi dekhi gayi.
Neutral Stance Ka Kya Matlab Hai?
RBI ka policy stance ‘neutral’ hone ka matlab hai ki ab woh data-driven approach apnayega. Yani, aage ke decisions inflation aur growth ke latest trends pe depend karenge. Experts ka maanana hai ki 100 bps cut ke baad, ab further rate cuts ka scope limited ho sakta hai.
Kya Hoga Aage?
Economists ke mutabik, RBI apni easing cycle mein aur 25-50 bps tak cut kar sakta hai, lekin global uncertainties aur weather-related risks (jaise heatwaves) ke wajah se woh cautious rahega. Iske alawa, rupee ke depreciation ka bhi dhyan rakhna hoga, kyunki US dollar ke against 5% ki giravat inflation ko 35 bps tak badha sakti hai.
Is rate cut se aam aadmi ko thodi rahat milegi, lekin long-term growth ke liye RBI ko global aur domestic conditions pe nazar rakhni hogi. Aapko kya lagta hai, yeh rate cut aapke financial plans ko kaise affect karega? Comment mein zaroor batayein!
