If you still have Rs 2000 note, then this information is very important for you.

According to the latest update of RBI, Rs 2000 note is still legal tender, but its use has almost stopped in daily transactions.

Till January 1, 2026, Rs 2000 notes worth thousands of crores are still present in the system. Exchange facility is no longer available at normal bank branches, but exchange is still possible through RBI Issue Offices and India Post.

In this video it has been explained in simple language whether Rs 2000 Note is valid or not, how the exchange process works and what is the safest option for you.

If you have this note, it would be wise to exchange it through RBI instead of delaying it.

Have you thought that a small gold investment can change your life? Sovereign Gold Bond (SGB) issued in 2017 has now increased four times!

RBI has declared the final redemption price of SGB 2017–18 Series-XI at ₹12,801, while its issue price was only ₹2,950. That means price jump + 2.5% interest + tax-free maturity made it the most powerful gold investment. Premature redemption of SGB 2019–20 Series-I has also been fixed at this price.

Long-term investors have got huge benefits without GST, making charges or risk. In the video we will decode SGB return, comparison and future outlook!

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 new online payment rule: The Reserve Bank of India has made some necessary changes to make digital payments more secure. Which will be implemented from April 1, 2026. RBI is going to do two-factor authentication in digital payments. Apart from SMS OTP, transactions will be identified in many new ways like password, fingerprint and biometrics. The RBI wants to make online transactions more secure and convenient in these ways. So that people can be protected from fraud and cybercrime.

RBI has announced that the new rules of digital payment will be implemented from April 1. The RBI has given strict guidelines that if the customers who do not follow these rules during these online payments, will have to make complete compensation for their losses themselves.

Which will be the new ways?

RBI has informed that in addition to SMS OTP, options like password, passfrez PIN, debit card, software token, fingerprint or biometrics can be used for two-factor authentication. RBI has clearly stated that two factor authentication will be mandatory, as well as SMS OTP can also be used.

Why is it needed?

The number of people making online payments in India is increasing every day, as well as the crime of cyber criminals. Today, almost everyone in India is using online payment mode. Online payment is being accepted today from small shops to vegetable carts. It has reached almost every hand in India today, but the problem stands there, where there is talk of protecting people from cyber criminals.

People often get cheated online and they lose their years of earnings. People are getting digital arrests and they are hesitant to inform the police and lose their hard earned money. Keeping all these things in mind, RBI has said to implement two-factor authentication.

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Fake notes in india: 2,17,000 fake notes were seized during FY 2024-25 in the country, while 2,23,000 such notes were seized a year earlier. The government gave information about this in Parliament on Monday. In response to a written question in the Lok Sabha, Union Minister of State for Finance Pankaj Chaudhary said that 1,17,722 notes of 500 rupees of the new series were seized. After this, 51,069 notes of 100 rupees and 32,660 notes of 200 rupees were recovered.

Pankaj Chaudhary said that on the advice of RBI, the Government of India reviews the effectiveness of security features of bank notes from time to time. Also, steps are taken to implement new security features under Section 25 of the Reserve Bank of India Act, 1934.

Government strict on fake notes

The government is strict on fake notes. In response to another question, Pankaj Chaudhary said that data of private corporate investment is compiled from banks and financial institutions to one place. According to RBI’s latest bulletin released in August 2024, the number of projects approved by banks and financial institutions increased from 401 in 2021-22 to 944 in 2023-24.

During this period, the cost of approved projects also increased from Rs 1.4 lakh crore to Rs 3.9 lakh crore. He said that the government is taking steps like capital expenditure, infrastructure development, financial reforms and access to business to restore the trust of investors and increase the participation of private sector. In addition, institutions such as National Investment and Infrastructure Fund (NIIF) and National Bank of Financing Infrastructure and Development offer infrastructure financials for a long time.

In a written reply to another question, Chaudhary said that the RBI has mentioned that based on the financial statements data received from the Ministry of Corporate Affairs, the net immovable properties of Private Limited companies recorded a steady increase of 7.6%, 10.3% and 10.2% respectively in 2021-22, 2022-23 and 2023-24 respectively.

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The Reserve Bank of India (RBI) has issued a draft in the rules related to the rupee interest rate derivatives (IRD) on Monday. Its purpose is to update the existing rules according to the changing financial environment and the increasing participation of foreign investors.

Preparation to give a new look to old rules

The current rules related to IRD were last changed in June 2019. But now new products have come in the market and the participation of foreign companies has also increased considerably. In such a situation, the RBI has fully reviewed the rules and has prepared a new draft, which is named Draft Master Direction, Reserve Bank of India (Rupee Interest Rate DERIVATIS) Directions, 2025.

What are IRD i.e. interest rate derivatives?

These are financial contracts whose value depends on the interest rates, interest related to interest or interest rate index. They are usually used to prevent risk and earn profits in the market.

Now foreign companies will also get big relief

Under the new draft, now foreign companies will be able to do transactions in IRD through their Central Treasury or Group Anti. However, the condition is that the institution which will deal with foreign investors should be properly authorized, so that there is no disturbance.

Reporting mess will also be reduced

The RBI has taken another big step towards making the rules easier. Now the reporting process related to IRD transaction will be simplified, so that the burden of compliance on people associated with the market can be reduced. Also, it is proposed to report the IRD transactions done outside India, so that transparency remains in the entire system.

Last date to send suggestions: 7 July 2025

The RBI has urged all the market participants associated with banks, financial institutions and IRD to send their suggestions and feedback on this draft by 7 July 2025.

Why is this change important?

This step shows that India’s central bank is serious towards developing the financial market according to global standards. This will not only promote foreign investment, but Indian companies will also get better risk management opportunities.

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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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The Reserve Bank of India (RBI) has announced a dividend of 2.69 lakh crore to the government for the financial year 2024-25. This is the largest surplus transfer ever which the government has got any year. Earlier in 2023-24, RBI had transferred 2.1 lakh crores to the government in 2.1 lakh crores and 87,420 crore in 2022-23.

Why did the government get this much money?

RBI has earned good earning this time from Forex Assets. Apart from this, the bank has also made a big profit from VRR (Variable Rate Reverse REPO) operations and foreign exchange cells. Not only this, the ups and downs in interest rates in the last financial year also increased the earnings of the Reserve Bank.

What is the benefit to the government?

The government had targeted to raise 2.56 lakh crore from RBI, public sector banks and other financial institutions this year. But getting 2.69 lakh crores from RBI itself is like a bonus for the government. Experts believe that this can provide additional 50,000 to 60,000 crore help to the government. However, this will not change a big change in fiscal deficit i.e. fiscal deficit. It is estimated that the deficit can go down from 4.4 percent to 4.3 percent.

What is CRB and why it was extended?

A contingent Risk Buffer (CRB) is made to protect the RBI balance sheet. Consider it a kind of ‘safety shield’ which helps in dealing with any economic crisis. Earlier it was at 6.5 percent, but now it has been reduced to 7.5 percent. That is, RBI has kept more capital to strengthen its balance sheet. This step has been taken keeping in mind the possible future risks.

What will happen next?

If RBI has more than 7.5 percent ‘Aquity’, then additional money can be transferred to the government. But if this is below the fixed limit, the government will not get any dividend until it regains the minimum capital level.

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The Reserve Bank of India (RBI) can now slow down the pace of inserting cash in the banking system. In the last 6 months, RBI has inserted about 8.57 lakh crore (about 100 billion dollars) liquidity system. Now experts believe that there will be no need to put more cash from the RBI after the large surplus transfer that the government gets.

Currently on open market operations

RBI completed its last fixed open market bond procurement program (OMO) on this Monday. After that no new OMO announcement has been made. Experts believe that the dividend received by the government and then the expenses incurred from that money will bring sufficient cash in the market itself.

Government can get a surplus of 3 to 4 lakh crores

According to experts, RBI can transfer surplus ranging from 2.5 lakh crore to 3 lakh crore to the government this time. At the same time, CITI experts estimate that this amount can be from 3.5 lakh crore to 4 lakh crore. This surplus transfer is likely to be declared before the end of this month.

There will be a glut of liquidity in the system

Research Head of ICICI Securities A. Talking to the Economic Times, Prasanna said that the dividend received by the government can bring more than 5 lakh crore core liquidity in the system. In such a situation, RBI will not have to add any big cash for the next three months. They believe that RBI can now resort to OMO again only after September.

Decline in bond yield

The bond market has seen a stir due to such a large cash supply and expectation of softening in interest rates. From the beginning of the current financial year, there has been a decline of 38 basis points in the 10-year government bond yield. At the same time, there has been a major decline of 57 basis points in the 5-year-old yield.

What will be the effect on the common people?

This does not expect any immediate relief in loan rates, as RBI will not increase any more liquidity at the moment. The government can increase budget expenses due to more surplus, which can strengthen infrastructure and social schemes. Investors can now see interest rates and stability in bond yields.

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Children bank account: The Reserve Bank of India (RBI) on Monday allowed banks to open and use minor children over 10 years of age to open and use them independently. In this context, the central bank has issued revised instructions on opening and operating the deposit accounts of minors.

Facility to open account for minors of any age

In a circular issued to commercial banks and cooperative banks, RBI said that minors of any age can be allowed to open and use saving and fixed deposits through their natural or legal guardians. They can also be allowed to open such accounts by keeping their mother as guardians.

The circular said, “At least ten years of age, and minors above it may be allowed to open and use saving/fixed deposits independently on their will. In this, banks can decide the amount and condition keeping in mind their risk management policy. Whatever terms and conditions are set about this, the account holder will be informed about it.

Internet banking, ATM and check book facility

In addition, the new operations instructions and sample signatures of the account holder should be obtained and kept in records when they are adults. The circular said, “Banks are free to provide additional facilities to minor account holders on their risk management policy, products and customers like Internet banking, ATM/debit cards, check book facility etc..” Banks have to ensure that the accounts of the minors, whether they are independently operated or are not much withdrawn from them and there are always funds.

RBI said that apart from this, banks will conduct proper checking of the customer to open the deposit accounts of minors and will continue it even further. The central bank has asked banks to make new policies as per the revised guidelines by July 1, 2025, or amend the existing policies.

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