RBI MPC Meeting: The meeting of the Monetary Policy Committee of the Reserve Bank started on December 3, 2025. Its results will come on Friday. Reserve Bank of India (RBI) Governor Sanjay Malhotra will announce the repo rate after the end of the Monetary Policy Committee (MPC) meeting on Friday, for which the entire country is waiting.

At present the repo rate is 5.5 percent. If the repo rate is low, the loan will be cheaper, due to which the EMI will have to be paid less. Earlier, due to low inflation, a cut in the repo rate was expected, but considering the new GDP data and the fall in the rupee, it is now believed that the decision regarding the repo rate will not be easy for the RBI this time.

JM Financial report

RBI Governor Sanjay Malhotra will announce the rate on December 5 at 10 am. Domestic brokerage firm JM Financial said in its report, “We expect RBI to increase its growth forecast for FY26 by at least 20 basis points to 7 percent and reduce inflation forecast by 40 basis points to 2.2 percent.”

The rate cut at this time will boost the expected slower growth in the second half of FY26, but it also poses a risk of further decline in the rupee. If a lenient approach is not adopted with rate cuts, bond yields will fall further. In such a situation, RBI can adopt a middle path by maintaining the current situation and giving guidance on policy support in the coming months. Meanwhile, some analysts believe that a 25 basis point interest rate cut could support the economy at a time when price pressure is low.

What does Yes Bank have to say?

Yes Bank has said in its report that it is expected from RBI that RBI will not make any change in the repo rate and will maintain it at 5.5 percent. The report emphasized that the Central Bank is likely to remain on pause as the scope for cuts is gradually decreasing.

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Dollar Vs Rupee: Today, before the MPC meeting of the Reserve Bank of India (RBI), the Indian Rupee has gone into the abyss. On Wednesday, December 3, the rupee crossed the level of 90 against the US dollar, which is its lowest level till date.

In early trade, the rupee opened at 89.96 against the dollar and soon fell to 90.1325. In the last session it had closed at 89.87. This fall in the rupee has come after the currency reached a record low on Tuesday. Currency experts believe that the rupee is weakening due to continuous selling by foreign investors and failure to reach a trade deal between India and America.

Why is the rupee falling?

This year, the rupee has declined by about 5 percent against the dollar and with this it has become the worst performing currency in Asia. There is pressure on the rupee due to record high trade deficit and continuous withdrawal of foreign investors from India. Apart from this, talks regarding trade deal between America and India are also stuck.

Due to all this, the rupee is falling despite the weakening of the dollar index. The increase in imports – especially of gold and silver – along with the decline in exports due to tariffs has widened the merchandise trade gap to $41.68 billion, increasing demand for the dollar. Here, due to increase in demand for dollars, there is pressure on the rupee and it falls.

Will the rupee fall further?

Experts believe that the rupee may remain under pressure for some time to come because the trade deficit is increasing, there is uncertainty regarding the US-India trade agreement, portfolio flow is weak – all this has put the dollar in demand.

RBI has been continuously intervening to reduce the fall in the rupee, but continued outflows and strong dollar strength around the world may push the currency lower over time. Now only RBI’s strategy of intervention and improvement in foreign investment will decide how much further the rupee will weaken from the current level.

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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.

Rbi mpc meet: The bilateral review meeting of the Monetary Policy Committee (MPC) deciding on policy interest rates has started from Monday. Experts believe that this time policy rates can be kept stable, while some experts have predicted a reduction of 0.25%.

MPC meeting between high tariffs

The decision of a six-member MPC meeting headed by Reserve Bank of India (RBI) Governor Sanjay Malhotra will be announced on Wednesday. This meeting is taking place at a time when there is a lot of pressure due to global stress and 50% high tariff on Indian exports by the US.

RBI has cut the repo rate in three phases from February this year so far by 1 percent. However, in August review, the repo rate was maintained at 5.50 percent, keeping the rates stable.

The report of Goldman Sash has hoped that the repo rate and policy stance may remain unchanged at the moment. At the same time, this report says that there may be a possibility of further deduction of 0.25% in the next meeting to be held in December. On the other hand, Bajaj Broking says that the market is not expecting any major change this time.

Expected to cut interest rates

The real estate sector believes that retail inflation remains sluggish and changes in GST slabs have reduced the burden of taxes, causing scope to cut rates. Praveen Sharma, CEO of Housing.com, said that the festive weather is the most suitable time to buy the house and if the interest rates are cut, the sale can gain momentum. Chrisumi Corporation Chairman Ashok Kapoor also said that the rate of rates will speed up residential demand.

However, Shikhar Aggarwal, chairman of BLS e-Services, believes that RBI can also adopt a strategy to wait at the moment in view of strong domestic demand and recent GST reforms.

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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.”

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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%.

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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.

RBI mpc meeting August 2025: The Monetary Policy Committee (MPC) meeting of the Reserve Bank of India (RBI) led by Governor Sanjay Malhotra is being held today. In this, there is a possibility of cutting interest rates for the fourth consecutive time. After this three -day meeting, the decision taken in it will be announced on 6 August. So far in the year 2025, the repo rate has been cut by 100 basis points. Currently the repo rate is 5.50 percent. Now in such a situation, the question arises whether the repo rate will be cut by the Reserve Bank or the interest rate will be retained this time too.

Will the common man get relief again?

Most experts believe that this time RBI can keep it stable after reducing the repo rate three times in a row. There was scope for change due to inflation and growth on the domestic front, but the external adverse conditions – especially on Indian exports, 25 percent American tariffs have blurred the near future economic scenario.

According to a report by news agency PTI, Madan Sabnavis, Chief Economist, Bank of Baroda, says that there is no possibility of less inflation or impact of American tariffs in June on the decision of monetary policy as these things have been considered in the first policy review. He believes that in view of the US tariff and low inflation in June, the RBI will not make any change in policy rates. Since the effect of the tariff has not been fully revealed right now, the Reserve Bank can stop a little to assess it. He said, so there is no possibility of changing the attitude towards development due to tariffs. However, it will be interesting to see what the RBI decides about the repo rate.

Estimates of inflation rate

Experts believe that there may be a slight decrease of 0.1–0.2 percent in the estimate of inflation for the whole year, which can be reduced from 3.7 percent to 3.5-3.6 percent. This is far below the target of 4 percent of the Reserve Bank. Due to this, the Reserve Bank gets scope to further cut rates.

Carey ratings believe that RBI will not cut further. He says that the Reserve Bank has already given active response to inflation trends and before taking any new step, the impact of the cuts made in the previous rates will be assessed first.

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Rbi mpc meeting: The Reserve Bank of India (RBI) has given great relief to the general public of the country by reducing the repo rate. On Friday morning, Governor of Reserve Bank of India Sanjay Malhotra announced a 50 -basis point cut. After this deduction, the repo rate has now reduced from 6 percent to 5.5 percent. The verdict was pronounced after the end of the three -day meeting of the Monetary Policy Committee (MPC) in Mumbai.

Third talk cut in a year

This is the third time in the year 2025 when the repo rate has been cut. In February and April, 25 basis points were cut. Due to this, there are indications of the Reserve Bank’s adoption of more liberal monetary policy to support the increasing confidence and economic development of the Reserve Bank over the decrease in inflation in the country.

Announcing the repo rate reduction today, Governor Sanjay Malhotra said that in view of the current economic situation of the country, the committee has changed the attitude of the policy from ‘Accommodative’ to ‘Neutral’. This means that now no decision will be taken immediately to reduce or increase the repo rate in the next meeting. In view of the current situation, a decision will be taken regarding the repo rate in the coming time. However, the rate cut now was necessary to support economic growth under current circumstances.

What will be the effect on your pocket due to decrease in repo rate?

Along with the decision to cut the repo rate, Governor Sanjay Malhotra has now kept the Standing Deposit Facility (SDF) on 5.25 percent, while marginal standing facility (MSF) and the bank rate has changed it to 5.75 %. Now the biggest question comes that what are the benefits of the common man to get due to reduced repo rate? Let’s take a look at it.

• The biggest advantage with the reduction of repo rate is that it will reduce the cost of lending. That is, banks will now reduce home loan, auto loan, personal loan, retail loan. This will reduce your monthly EMI, then it will help you to do more savings.
• Now if someone is thinking about taking a new loan, then he will also get it at a low interest rate. That is, whether it is education loan or car loan, now you will get it cheaply than before.
• Due to reduced repo rate, interest on SME and Business Loans will also reduce. As a result, it will be easy to run a business. If more and more people get employment, then economic activities will also increase. Overall, the economy of the country will be strong.
• It is obvious that if there will be some savings from EMI, then the income will increase on other things. People will shop or invest more. This will strengthen business and will also boost the country’s economy.

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The three -day important meeting of the Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) has started from 4 June. Meanwhile, the global brokerage firm Nomura has introduced a major estimate, in 2025 the RBI repo rate can cut 100 basis points (BPS). This estimate is twice the general opinion of the market, which was assuming a cut of just 50 BPS.

Meeting under the leadership of RBI Governor

The meeting is being held under the chairmanship of RBI Governor Sanjay Malhotra and its decision will come on 6 June. This time everyone’s eyes are on whether RBI will cut the repo rate for the third consecutive time. The special thing is that at present, the inflation rate remains below the target level of 4 per cent, which strengthens the possibilities of cutting interest rates.

Cut twice so far

In the last two meetings, RBI has reduced the repo rate by 6 percent by cutting a total of 50 BPS. Nomura says that RBI can get a chance to further cut due to the recession and inflation in the economy being below the target level.

According to Nomura, GDP growth FY26 is expected to be 6.2 per cent (RBI is estimated at 6.5 per cent). Inflation is estimated to be 3.3 percent (target is 4 percent). In this sense, there is a need to bring policy rates to “neutral”, but to “encouragement zone”.

Estimates of 25bps cut every quarter

Nomura believes that RBI can cut 25bps in the remaining four monitoring policy reviews (June, August, October and December) of the year. In this way the repo rate can come up to 5.00 percent. Apart from this, adequate liquidity will remain in the banking system, around 1 percent of NDTL, which will see the effect of interest rates quickly.

RBI will not be affected by America’s decisions

RBI has already made it clear that its monetary policy decisions are based on domestic economic conditions, not the policies of countries like America. Nomura also believes that even though the US Federal Reserve does not change its rates Q4, RBI will run on its way, because India’s situation is different. At the same time, India’s current account deficit (CAD) is estimated to be around 0.6 percent in FY26, due to which there is no major challenge about funding. Although GDP growth in Q1 2025 was 7.4 percent, according to the report, the pace of personal consumption and capital expenditure was slow.

There is weakness in urban consumption

Credit growth and real income growth is also slow. Whereas, global uncertainty, the glut of Chinese goods and the lethargy of private investment are also a matter of concern. Nevertheless, low inflation, decline in commodity prices and strengthening of services may balance India’s growth.

CPI may come below 3 percent

From January to April, CPI inflation has been 3.6 percent on an average. Nomura says that it can go below 3.0 percent in the next six months. In addition, the prices of food items have decreased. Core inflation is also controlled. There is also softening in increment and input cost. In FY26, CPI can be 3.3 per cent on an average, which is much lower than the estimate of 4 per cent of both RBI and the market.

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