At present, 6.9-7.5 percent interest is being given in the Post Office TD Scheme, which is higher than the FD rates of many banks. Post Office TD Scheme works just like a bank FD, in which you invest a lump sum amount for a fixed time and on maturity you get the principal amount along with interest, hence many investors also call it ‘Post Office FD’. In Post Office TD Scheme, it is also said that 6.9 percent on one year investment, 7.0 percent on two year investment, 7.1 percent on three year investment and 7.5 percent on 5 year investment.

Only interest around Rs 90000

Bank interest rate after repo rate

State Bank of India (SBI)

SBI has reduced the interest rate for general customers from 6.45 percent to 6.40 percent from December 15, 2025. For senior citizens, it has been reduced from 6.95 percent to 6.90 percent. Apart from this, the interest rate on Amrit Vrishti FD has also been reduced from 6.60 percent to 6.45 percent.

Indian Bank

After RBI’s decision regarding repo rate, Indian Bank has also reduced its repo-linked benchmark lending rate from 8.2 percent to 7.95 percent.

ICICI Bank

After reducing the repo rate, ICICI Bank is currently giving interest between 2.75-6.60 percent on FDs of different tenures, while senior citizens are getting around 7.20 percent.

Bank of Baroda

After the reduction in repo rate, Bank of Baroda (BoB) has also reduced the repo-linked benchmark lending rate from the current 8.15 percent to 7.90 percent.

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RBI Repo Rate: The Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) has decided to reduce the repo rate by 25 bps to 5.25 percent. Governor Sanjay Malhotra announced this on Friday. With this announcement of the Reserve Bank, the repo rate has now come down from 5.5 percent to 5.25 percent.

Due to reduction in repo rate, the loan will be cheaper, which will reduce the expenditure on EMI and encourage savings. Earlier, MPC meeting was held on October 1, in which the Reserve Bank did not make any change in the repo rate and kept it stable at 5.5 percent.

Economy will enter Goldilocks zone

Announcing the policy review of the last two months, Governor Sanjay Malhotra said, “Since the October 2025 policy, inflation in the economy has been seen to be slowing down considerably.” “Current growth inflation dynamics show a rare Goldilocks period, where growth remains strong.”

Who is called Goldilocks?

Let us tell you that in the language of economists, that period is called Goldilocks, when inflation remains under control and there is continuous growth. This word is taken from the children’s story ‘Goldilocks and the Three Bears’. In this, Goldilocks tries porridge served in three bowls, one of which is very hot, one very cold and one neither very cold nor very hot. Goldilocks eats the third bowl of porridge.

The condition of India’s economy is also similar. There has been a steady economic growth trend, which has prevented recession but is not so fast that inflation increases. That means the pace of development is balanced and stable.

How much did the repo rate reduce this year?

RBI has reduced the repo rate by a total of 100 bps between February and June this year. That means it has been directly brought down from 6.5 percent to 5.5 percent. Then in the meetings held in August and October, there was no change in the rates in the policy.

What is repo rate?

Repo rate is the rate at which the Reserve Bank gives loans to other banks. In such a situation, if the repo rate increases, then the loan from the Reserve Bank becomes expensive for the banks. Now if banks get expensive loans from the Reserve Bank, then the loans given to people will also become expensive. This will increase the burden on customers. Due to this, home loan, car loan, personal loan become expensive. The Reserve Bank increases the repo rate when there is a need to control inflation and increase the liquidity of banks.

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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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RBI Repo Rate: Due to reduced inflation pressure, the Reserve Bank of India (RBI) may reduce the key policy rate repo by 0.25 percent in its upcoming monetary policy meeting. However, some experts believe that the central bank may keep the interest rates stable in view of the better than expected 8.2 percent GDP growth in the second quarter.

Retail inflation based on Consumer Price Index has been below the lower limit of the government’s range (two percent) for the last two months.

expert opinion

Some experts believe that due to the boom in the economy, RBI can keep the interest rates unchanged. This uptick is supported by various reforms like fiscal consolidation, targeted public investment and GST rate cut. The Monetary Policy Committee (MPC) meeting is to be held from 3-5 December 2025.

RBI Governor Sanjay Malhotra will announce the decisions of the committee on December 5. The central bank had started reducing the rates in February last year and reduced the repo rate by a total of one percent to 5.5 percent. The cuts were stopped in August. According to some experts, due to reduced inflation pressure, RBI may cut the key policy rate by 0.25 percent in the upcoming monetary policy meeting.

hdfc bank report

According to a report by HDFC Bank, this year growth is higher than expected and inflation is lower than expected. According to this, “Therefore there will be a tough competition in the upcoming decision of RBI.” “Given the risks to growth in the second half and the expectation that inflation will remain well below four percent by the third quarter of fiscal year 2026-27, we believe that there could be another 0.25 percent rate cut in the upcoming policy rate meeting.”

A research report by the Economic Research Department of the State Bank of India said that with strong GDP growth and minimal inflation, the RBI now has to convey the rate direction to the broader markets in the MPC meeting to be held this week. Madan Sabnavis, Chief Economist of Bank of Baroda, said that there will be a tough competition on the repo rate in the upcoming policy. Since the monetary policy is forward thinking and accordingly the policy rate seems to be at an appropriate level at this time.

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Rbi rate cut in December: The Reserve Bank of India (RBI) did not cut the repo rate in the recent monetary policy meeting. In the meeting, the repo rate was retained at 5.5 percent. This was the second consecutive time when the Reserve Bank did not change the repo rate. Meanwhile, according to estimated by global brokerage firm Morgan Stanley, RBI may reduce the repo rate in December 2025. After this, another cut is expected in February 2026. With this, by the end of the year 2026, the repo rate can come down from 5.50 percent to 5.00 percent.

On what basis brokerage estimated?

Morgan Stanley has said in his report that the Reserve Bank can adopt more generous stance in view of softening, crude oil and reduced inflation in the consumer price index. The report said that the softening of inflation has come at a time when the pace of development is weakening. This has increased the chances of relaxing rates.

If the repo rate is re -cut, then the estimated 5.00 percent rate will be the lowest policy rate in recent years. Economists say that this will reduce the cost of borrowing in the economy, will get relief on loans to families and boost new investment in housing, automobiles and infrastructure. The report further states that low rates can promote consumption and help in providing new speed to India’s development saga.

RBI will take care of these things before the rate cut

However, Morgan Stanley also said that the Reserve Bank will take care of global conditions such as fluctuations in US interest rates, commodity market trends and stability in currency before the rates are relaxed. Meanwhile, due to increasing inflation, the cuts can be either limited or it may be delayed. In its review meeting on 1 October, the RBI did not make any changes in the repo rate and retained at 5.50 percent. However, according to the IANS report, during the meeting, two MPC members supported the genering of the trend. In the coming time, there are indications of decrease in repo rate in the coming time.

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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 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 repo rate: Before the festival of Rakshabandhan in the country, a gift of interest rate cut can be given by the Reserve Bank of India once again. According to a report by State Bank of India (SBI), the Repo Rate cut in the Repo Rate (BPS) can be announced in the meeting of the Reserve Bank of Monetary Policy Committee (MPC) from 4 to 6 August.

Credit growth will be promoted in festive season

The report said that due to the reduction in interest rates in August, ‘early Diwali’ may come out due to the promotion of credit growth as the festive season is going to start soon in FY 2026.

It further states that in view of the previous data, it is clear that due to decrease in the repo rate before Diwali, credit growth is promoted in the festive season. It further said, we hope that in the meeting of the MPC to be held in August, the Reserve Bank will again cut the repo rate by 25 basis points.

The report stated that after cutting 25 basis points in the repo rate in August 2017, there was a jump of Rs 1,956 billion in credit growth till the end of Diwali. About 30 percent of these were from the personal loan segment alone.

Since Diwali is one of the big festivals of the country, consumer spending is seen during this period and due to the low interest rate before Diwali, the rate of loan taking is also improved. The low repo rate reduces the cost of borrowing banks, so that they are able to give loans to customers at low interest rates.

So far, the cut has been done three times

In the year 2025, the repo rate has been cut three times by RBI so far. Earlier, in the meeting of MPC held in February and April, the repo rate was cut by 25-25 basis points. After this, the repo rate was cut by 50 basis points in June, which reduced from 6 percent to 5.50 percent.

The reducing repo rate makes the home loan cheaper because the rates of home loans are attached to the repo rate. If the interest rates are low, people will take a loan for shopping for homes and cars. This increases liquidity in the economy and promotes growth.

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