New Delhi se ek badi khabar – Reserve Bank on India (RBI) ne repo rate mein 25 basis points ki cut ki hai. Ab naya repo rate ho gaya hai 6%. Iska seedha faayda ye hai ki bank Loans saste ho sakte hain, aur aapke EMIs ka mho sakte hain.
Repo Rate Kya Hota Hai?
Repo rate who interest rate hota hai jo RBI banks se charge karta hai jab banks RBI se paise lete hain. Jab repo rate kam hota hai, toh banks bhi apne customers ko kam interest rate pe loans dene lagte hain. Matlab, agar aapne home loan, car loan ya personal loan liya hai – toh aapko thoda relief milne wala hai.
Is Saal Dusri Baar Repo Rate Cut
Yeh 2025 mein dusri baar hai jab RBI ne repo rate kam kiya hai. Pehli baar February mein cut hua tha – us time repo rate 6.25% tak aaya tha.
RBI Governor Ka Kya Kehna hai?
RBI ke Governor Sanjay Malhotra ne kaha: “Monetary Policy Committee ne ekraar se yeh repo rate cut kiya hai. Global economy thodi tension mein hai, inflation ke risks hain, lekin hum Tayyar hain.”
Unhone yeh bhi kaha ki duniya bhar mein jo trade tensions chal raha hain (jaise ki US ne India ke exports pe tariffs lagaye), uska effect humare exports pe pad sakta hai. Lekin RBI domestric growth manage karne mein confident hai.
Kisaanon Aur Bazaar ke Liye Good News
Governor ne bataya:
Agriculture sector ke prospects bright hain
Manufacturing sector revive ho raha hai.
Urban consumption badh rahi hai – log discretionary spending kar rahe hain.
Banks aur corporates ke balance sheets bhi healthy dikh rahe hain.
GDP Growth Ka Estimate Thoda Kam Hua
RBI ne GDP growth estimate ko thoda revise kiya hai. Ab real GDP growth ka estimate 6.5% diya gaya hai (pehle se 0.2% kam). Lekin inflation abhi control mein hai, khaaskar food prices mein tezi se girawat dekhi gayi hai – jo ek acchi baat hai.
Kya Iska Asar Aap Par Padega?
Agar aap ne loan le Rakha hai ya lene ka plan kar rahe hain, toh repo rate cut ka matlab hai:
Lowest interest rates
Kam monthly EMI
Zyada spending power
Toh bas, aone bank se update lein, aur dekhain kya aapke loan pe bhi faayda ho sakta hai ya nahi.
