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Despite challenges, Indian economy can grow with tremendous growth in 2026, confirms RBI report

Admin — Wed, 31 Dec 2025 12:46:21 +0000

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RBI Financial Stability Report: Despite global economic uncertainties and geopolitical tensions, the Indian economy is likely to remain on a strong growth path, supported by strong domestic demand, controlled inflation and balanced macroeconomic policies. Reserve Bank of India (RBI) has issued its latest financial stability report It said the country’s domestic financial system remains strong, with scheduled commercial banks having adequate capital and cash reserves, asset quality improving and profitability strong.

India’s growth will continue

According to the central bank, favorable financial conditions, healthy balance sheets and relatively low volatility in markets have underpinned this strength, although uncertainties related to global trade remain a near-term risk.

RBI’s stress tests show that even in adverse circumstances, banks are able to absorb potential losses and their capital will remain well above the regulatory minimum level.

India’s strong finance system

Along with this, mutual fund companies, clearing corporations, non-banking financial companies (NBFCs) and insurance sectors are also in a strong position due to adequate capital, stable income and better asset quality. This assessment reflects the overall assessment conducted by a sub-committee of the Financial Stability and Development Council (FSDC), which confirms the strength of the Indian financial system and risks to financial stability.

Keep an eye on the increasing pressure in the loan book

The Reserve Bank of India (RBI) has advised financial institutions giving small amounts of loans to be cautious about possible pressure in their loan books. Central Bank released for financial year 2024-25 ‘Trends and Progress in Banking’ The report said that the microfinance segment has faced challenges in recent quarters, the main reason for which is the increasing debt burden on borrowers.

According to RBI, in the current financial year the pace of loan distribution in the southern states, especially Karnataka and Tamil Nadu, has been relatively weak. This report has come at a time when many policy and regulatory steps have been taken affecting the industry in these states. The central bank said that even though several initiatives have been taken by the industry to improve performance, regulated entities need to maintain close monitoring given the possibility of asset quality pressure in this segment going forward. RBI indicated that paying special attention to cautious credit distribution and risk management in the microfinance sector will be important in the times to come.

Also read: If investment tax of Rs 3 lakh is imposed on gold today, what will be its value after one year?

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Will home-car loan be cheaper? Repo rate cut again in December, RBI Governor Sanjay Malhotra indicated

Admin — Tue, 25 Nov 2025 08:44:30 +0000

RBI Repo Rate Cut: There may be news of relief for the general public, especially for those who are planning to take a new loan or whose EMI for home, car or personal loan is going on. RBI may make another cut in repo rate by the end of this year, which will increase the possibility of reduction in EMI. RBI Governor Sanjay Malhotra has indicated that current economic indicators show scope for a cut in the repo rate.

Big signal before MPC meeting

He said that the final decision on this will be taken in the meeting of the Monetary Policy Committee (MPC) of RBI. His statement has come at the same time when the MPC meeting is going to be held between 3rd to 5th December.

Malhotra said that in the October meeting itself it was indicated that further rate cuts were possible, hence an important announcement could be made in the upcoming meeting. It is noteworthy that between February and June, MPC has reduced the repo rate by about 100 basis points, whereas in August and October the repo rate was kept constant at 5.5 percent.

environment favorable for rate cuts

Experts estimate that there may be a rate cut of up to 25 basis points in December. The main reason behind this possible cut is that according to the Consumer Price Index (CPI), inflation has fallen to a record 0.25 percent in October, which was 1.44 percent in September. On the question of major cut in repo rate, the Governor said that the first goal of the central bank is price stability and the second goal is to support development. Therefore, the bank will neither aggressively cut rates nor adopt a completely defensive stance.

When Sanjay Malhotra was asked a question on the continuously falling value of the rupee, he said that historically the rupee has seen a decline of about three to three and a half percent every year. He said that the aim of RBI is to keep the fluctuations of the rupee as smooth and controlled as possible, so that sudden or sharp changes in the exchange rate do not create economic instability.

Also read: Amidst the falling market and fleeing foreign investors, the rupee showed such strength that the whole world was surprised.

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RBI Mpc Meet: There is no change in repo rate but RBI Governor Sanjay Malhotra gave this good news, know his 7 big things

Admin — Wed, 01 Oct 2025 06:07:35 +0000

Rbi on indian economy: The Reserve Bank of India (RBI) has decided to maintain the repo rate at 5.5 percent, keeping in mind the existing domestic and global conditions. Governor Sanjay Malhotra announced this at a press conference after a three -day Monetary Policy Committee (MPC) meeting on Wednesday. He informed that the attitude of monetary policy has been kept neutral, which means that the central bank will maintain flexibility in rates according to the changing economic situation. Let us know ten big things of RBI Governor Sanjay Malhotra-

1-RBI, while presenting the economic picture of the country, has increased the estimate of GDP growth from 6.5 percent to 6.8 percent. This is definitely good news for the country, because since the American high tariff, the economic front is facing challenges. While the estimate of retail inflation has been reduced from 3.1 percent to 2.6 percent. This is the second consecutive time when there is no change in the repo rate.

2- Governor Malhotra said that due to the repo rate being stable, there is no possibility of change in interest rates of housing, vehicles and other retail loans at the moment.

3-He also informed that from February to June this year, RBI has already reduced the repo rate by 1 percent, due to which there has been a decrease of 0.58 percent in the borrowing cost of new loans.

The 4-RBI further stated that India’s foreign exchange reserves have reached $ 700.2 billion, which is sufficient for imports of about 11 months. Also, in the second quarter of the current financial year, domestic economic activities are expected to be raised.

5-Governor admitted that challenges remain globally, but better monsoon, GST rate cuts and other policy measures will lead to inflation and economic growth will gain momentum.

6-Central bank believes that low inflation and monetary softening will lead to both investment and consumption.

7-Now it is clear that the RBI is in “Weight and Watch” mode-that is, at the moment the direction and global situation of the economy will be monitored with stable rates.

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Trump’s Economic Policy will remove America’s life, former RBI Governor’s big claim

Admin — Sat, 13 Sep 2025 08:25:16 +0000

Trump Tariff Policies: The American tariff policy has created a stir all over the world and its impact on the global industry is clearly visible. Meanwhile, former RBI governor C Rangarajan says that President Trump’s economic policies are not only affecting global trade, but can also prove to be suicide for the US itself.

Addressing the 15th convocation of the ‘ICFAI Foundation for Higher Education’ on Friday, Rangarajan said that some policies of Trump have stalled global trade trends. Without naming ‘BRICS’, he said that the emergence of different groups with independent trade is inevitable, but the final goal should be a world in which trade is more open. He hoped that America’s policymakers would work wisely and change suicidal policies.

Deadly Trump’s policy for America

He said that India has been the most affected by this situation. India’s growth is uneven, as Maharashtra, Tamil Nadu, Karnataka, Uttar Pradesh, Gujarat and West Bengal contribute 52 percent of the national income, while the remaining states contribute 48 percent. Giving an example, Rangarajan said that the per capita income of Goa is 10 times more than Bihar.

The former RBI Governor said that to make India a developed nation, per capita income will have to be taken up to US $ 18,000. For this, major states will have to achieve a relatively rapid growth rate. For example, 8.71 percent for Tamil Nadu, 9.63 percent for Gujarat, 8.77 percent for Karnataka and 9.53 percent for Maharashtra are expected. At the same time, 17.4 percent growth will be required for Bihar and 14.5 percent for Uttar Pradesh.

India is the most affected

He said that the hypothesis of developed India is not only a statistical goal but a journey of broad change, for which the collective effort of both the government and the society is necessary. For this, focus on five concentrated areas-an increase of two percent in investment rates, adopting new technologies, encouraging labor-dominated areas, expanding social infrastructure such as health and education and strengthening the quality and effectiveness of higher education.

Also read: Gold and silver become cheaper, know the fresh sense of your city on 13 September 2025 today

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Governor of Reserve Bank of India, big claim, soon India will become the third largest economy in the world

Admin — Sun, 31 Aug 2025 04:26:41 +0000

Rbi governor sanjay malhotra: Reserve Bank of India (RBI) Governor Sanjay Malhotra said on Saturday that India will soon become the third largest economy in the world. He credited the Pradhan Mantri Jan Dhan Yojana for promoting the development of the country. His statement has come at a time when India’s GDP has moved forward at a rate of 7.8 % in the April-June quarter of the current financial year despite the ongoing tariff tension in the country. This is the highest among the five quarters before America’s heavy tariffs are imposed.

Plan started 11 years ago

Addressing the financial inclusion campaign of a government bank in Rangwasa village of Indore, he said that the Central Government and RBI had launched Jan Dhan Yojana with the help of banks 11 years ago, which has developed the entire country.

He said, “Today India is counted among the 5 most developed countries in the world and very soon the country will become the third largest economy.” The RBI Governor said that 55 crore accounts have been opened under this scheme to ensure the participation of people of all classes in this journey of the country, so that they are being provided saving, pension, insurance, loans and other services. State Bank of India (SBI) Chairman CS Setty was also present on the occasion.

Recently, the Pradhan Mantri Jan Dhan Yojana completed its 11 years. On this occasion, PM Modi said that this scheme has given people the power to write their own luck. He also said that when the last person is financially connected, the whole country moves forward together. This scheme was started on August 28 in 2014.

From Financial Exclusion to Empowerment! Here is a glimpse of how PM Jan Dhan Yojana has transformed lives across India. #11yearsofjandhan https://t.co/z0vxpo0e3r

– Narendra Modi (@narendramodi) August 28, 2025

What is Jan Dhan Yojana?

Please tell that the purpose of this scheme is to open the bank account of the poor and provide them with the benefit of government schemes. There is no need to keep a minimum balance in it. Also, overdraft facility is also available. In this, account hold is also given the facility of insurance and due to some reason, family members get the benefit of nominee. Under this, you have to go to the bank and apply to open an account. From there, the form of Jan Dhan Yojana will have to be filled.

Also read:

Indian economy exploded with Trump Tension, a tremendous rise of 7.7 percent

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The former RBI governor in which demonetisation, now IMF gave this big responsibility to Urjit Patel

Admin — Fri, 29 Aug 2025 04:58:59 +0000

Former RBI Governor Urjit Patel Appointed Imf Executive Director: Former RBI Governor Dr. Urjit Patel has been appointed as Executive Director of International Monetary Fund (IMF) for three years. The government has approved this appointment. Kenya -born Indian economist Urjit Patel will return there, from where he started his career about three decades ago.

He has also served for five years in the IMF. First worked at the headquarters at Washington DC and then in 1992, IMF Deputy Resident came to New Delhi as a representative. Dr. Patel was the Governor of the Reserve Bank of India from September 2016 to December 2018. During his tenure, demonetisation was implemented and many important steps were taken towards inflation control.

ALSO READ: Trump tariff despite tension, market strong starts, Sensex up 130 points, Nifty close to 24550

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RBI’s strong eye amid tariff tension, Governor Sanjay Malhotra told Economy’s condition and further steps

Admin — Thu, 21 Aug 2025 09:41:38 +0000

RBI Governor on Monetary Policy: The Reserve Bank of India (RBI) has taken a cautious stance amidst the global economic conditions due to tariffs and Bhurajnic stress. RBI Governor Sanjay Malhotra said that the central bank needs to move forward very carefully in the current scenario. In the meeting of the Monetary Policy Committee (MPC) held from August 4 to 6 earlier this month, all six members voted in favor of keeping the major policy rate repo rate to 5.5%.

In the details of the meeting released on Wednesday, Governor Malhotra said, “Overall our economy presents a picture of strength, stability and opportunity. India’s strong economic status, policies promoting development and visionary strategy keeps the country in a strong position.”

Ever watching inflation

The governor said that the growth rate remains stable and the softening of food prices is currently looking favorable. However, he warned that a slight increase in inflation is possible in the coming months. He also said that fee and instability in the international market can pose risk in future.

Focus on economy growth

Other members of the MPC also did not explain the need for changes in rates in the present situation. Deputy Governor Poonam Gupta said that in view of the domestic economy and global situation, there is no more scope for further cuts in policy rates. Rajiv Ranjan, Executive Director, said that the Indian economy is still strong. Government spending, rural demand and strength of service sector remain its support, although there are some ups and downs in the industry.

It is clear that RBI is currently maintaining a policy of vigilance keeping an eye on inflation and global uncertainties. If the global conditions remain stable in the coming months, then the possibility of change in monetary policy can be reconsidered.

Also read: Trump tariff is showing strength showing Indian rupee amid tension, dollar defeated again in currency ring

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RBI Mpc Highlights: RBI introduced 6.5% growth, know 5 big things of Sanjay Malhotra

Admin — Wed, 06 Aug 2025 07:11:38 +0000

RBI Repo Rate Cut: After the three -day meeting of the RBI monetary committee, Governor Sanjay Malhotra on Wednesday announced not making any changes in the repo rate. Along with this, they have retained the growth rate of 6.5 percent in GDP during the current financial year (2025-26). Also, the central bank has estimated to reduce the estimate of inflation to 3.7 percent to 3.1 percent.

Let us know the five big things of Governor Sanjay Malhotra-

1. sharing the decision of the third bilateral monetary policy for FY 2025-26, RBI Governor Sanjay Malhotra said that better Southwest monsoon, low inflation, capacity utilization and favorable financial conditions are supporting domestic economic activities. Assistant monetary, regulatory and fiscal policies including strong government capital expenditure are also expected to raise demand. Due to continuous increase in construction and trade in the coming months, there is a possibility of speed in the service sector.

2. Governor Sanjay Malhotra said that the growth rate is strong and remains in line with estimates. However, this is less than our aspirations. The uncertainty of the fee still remains. The benefit of monetary policy is still available. Since February 2025, the impact of one percent cut in repo rate on the economy is still going on.

3. RBI Governor said that the domestic growth rate is stable and is roughly moving as per the assessment. However, some high-existing indicators (such as GST collection, export, power consumption etc.) have given mixed indications in May-June. Malhotra said that there is stability in rural consumption, while the improvement in urban consumption has been observed, especially discretionary expenditure is slow.

4. Sanjay Malhotra said that long-lasting geopolitical stress, global uncertainties and adverse conditions arising from instability in global financial markets are inciting risk to the growth scenario. The governor said, “Keeping all these factors in mind, the actual GDP growth rate for 2025-26 is estimated to be 6.5 percent.” Under this, 6.5 percent in the first quarter, 6.7 percent in the second quarter, 6.6 percent in the third quarter and 6.3 percent in the fourth quarter. At the same time, the actual GDP growth rate for the first quarter of FY 2026-27 is estimated to be 6.6 percent. Risks are equally balanced on both sides.

5. On inflation, the governor said that the consumer price index (CPI) based inflation fell to the eighth consecutive month to 77 months low in June. This decline in inflation has declined mainly due to a steep fall in food inflation. He said, “Inflation estimates for 2025-26 have been more favorable than expected in June.”

Also read: RBI MPC Meeting: Interest rates are not changed between tariff tension, RBI Governor Sanjay Malhotra announced

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RBI MPC Meeting: Interest rates are not changed between tariff tension, RBI Governor Sanjay Malhotra announced

Admin — Wed, 06 Aug 2025 05:27:12 +0000

Rbi mpc meeting: The repo rate was announced after the meeting of the Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) from 4 to 6 August. After three consecutive cuts, this time there has been no change in interest rates. This is the fourth policy statement at the repo rate by Sanjay Malhotra, who became the Governor of RBI earlier this year. So far, the repo rate has been cut three times this year, despite this, the buyers and the borrowers from the bank were expected to get relief once again.

There is no change in interest rates

During the press conference, Sanjay Malhotra, while referring to the global business conditions, said that the RBI has taken several appropriate steps to maintain economic pace in the country and the economy situation remains strong. On the ongoing business talks between the US and India, he said that the RBI does not want to make any haste until the situation is clear.

Sanjay Malhotra said that MPC has unanimously taken this decision. Especially after a cut of 100 basis points at the beginning of the year, no change is understood. With this, he expressed apprehension that inflation may increase in the coming time.

Estimate 6.5% growth rate

The RBI has reiterated the estimate of it to remain 6.5 percent without making any changes in the actual GDP of India for FY 2026. Along with this, RBI released the quarterly blows of the whole year in this way- 6.5 percent in Quarter 1, 6.7 percent in Quarter 2, 6.6 percent in Quarter 3 and 6.3 percent in Quarter 4.

Earlier, RBI had cut 25 basis points in February this year, which was the first relief in the last five years. After this the repo rate was 6.25%. Then in April, 25 basis points were further cut. After this, in June, the central bank unexpectedly cut 50 basis points, which reduced the repo rate to 5.5%.

Also read: RBI MPC Meeting 2025 LIVE: Will your EMI on home or car loan, Reserve Bank’s decision on repo rate today

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RBI Mpc Meeting 2025 LIVE: Will your EMI on home or car loan, Reserve Bank’s decision on repo rate today

Admin — Wed, 06 Aug 2025 04:02:11 +0000

SBI Chief Economic Advisor Soumya Kanti Ghosh says, we hope that the RBI will continue to move forward with a cut of 25 basis points in its policy of August. We are living in a moving world. Uncertainty on the tariff is going ahead, better GDP growth is currently moving forward, CPI figures are moving forward in FY 27, CPI figures with the new CPI series in FY 27 will remain ahead with less than 4 percent and the festive season is also starting in FY 2026.

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