sanjay malhotra Archives -

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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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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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 refuses to stop the arbitrariness of banks, what to do now, know what RBI said on 50000 minimum balance

Admin — Tue, 12 Aug 2025 01:53:19 +0000

Rbi on bank minimum balance: The Reserve Bank of India has denied any restriction on arbitrary minimum balance by banks. RBI Governor Sanjay Malhotra said that the central bank leaves the decision to banks how much minimum balance they decide. This statement from RBI has come at a time when ICICI Bank has increased the average monthly balance for the new savings account opening from 1 August 2025 to Rs 50,000.

The minimum balance in metro and urban branches has been increased from Rs 10,000 to Rs 50,000, while in semi-urban branches, it has been increased from Rs 5,000 to Rs 25,000 and in rural areas it has been increased to Rs 10,000.

RBI refuses to interfere

However, these changes will only apply to new customers, while the new minimum balance rules for old account holders will not apply until the notification is issued by the bank. If customers do not meet the terms of this average balance, then penalty will be imposed on them by the bank.

Reserve Bank of India Governor Sanjay Malhotra said on Monday that banks are free to fix the minimum balance in savings accounts and it does not fall under RBI regulatory jurisdiction. He said this in a conversation with reporters during a ceremony organized on financial inclusion at Gojiaia Gram Panchayat in Mehsana district of Gujarat.

What did Sanjay Malhotra say?

Asked about increasing the amount of minimum balance required for private bank ICICI’s savings account, Sanjay Malhotra said, “RBI has left the decision to decide the minimum balance on each bank. Some banks have kept it Rs 10,000, some have kept Rs 2,000 and some have given the customers. ICICI Bank has increased the minimum balance limit for those opening new savings accounts from 1 August.

Also read: In this country, you can go before 2026, 1 million lives, Alan Musk said- now AI can be made by their God, know why this is like this

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‘RBI’s decision on repo rate is wise …’ Learn what experts say on the decision taken in MPC meeting

Admin — Wed, 06 Aug 2025 07:25:10 +0000

Repo Rate Cut: The decision taken in the meeting of the Monitoring Policy (MPC) of the Reserve Bank of India (RBI) has been announced. This time, it has been decided to retain the repo rate at 5.5 percent in the meeting. RBI Governor Sanjay Malhotra announced a unanimous result of all the members of the committee by holding a press conference on Wednesday, August 6. He also told that the committee has also maintained its stance on the policy ‘neutral’. Let’s see what experts have to say on this decision of RBI?

Now the right time to move forward

Sakshi Katiyal, chairperson of Home and Sol, says that the decision to keep the repo rate stable due to increasing tariffs worldwide is a sensible step. Due to liberal policies adopted throughout the year, it has become cheaper to take a loan and cash has also increased in the market. Now that inflation is under control and economic activities are gaining momentum, this stability gives a clear indication for both home buyers and developers that now is the right time to move forward.

Real estate will get stability

CRC Group Director (Marketing and Business Management) Salil Kumar says that RBI’s decision to keep the repo rate stable is a welcome and stability step for both residential and commercial real estate segments. By maintaining neutral stand by the central bank, it is also expected that rates may be cut in the coming time, which will further strengthen the market.

He further said, “Stable interest rates for homebeeers maintain the house to buy the house and help them decide with confidence. At the same time, this decision will bring this decision in the commercial sector and the cost of the loan remains stable, especially the interest of investors in office and mixed-use projects may increase. We hope that the RBI will adopt such a balanced stance so that all the property segments can continue to grow longer.

Promotion of housing demand from rate cuts

Ashwani Kumar of Pyramid Infratech says, “In view of the current economic situation, the RBI’s decision to maintain the repo rate at the same level reflects a balanced and cautious attitude. We believe that if the rates were cut, it would have further boosted housing demand and people’s trust would have been strengthened with stability in the market. Such continuity is necessary for the real estate sector, as it helps to maintain the positive thinking of the existing buyers, especially for those who are planning to buy a house for the first time. ”

RBI steps with future thinking

Manit Sethi, director of the Excellent Infra, says, “The RBI’s decision to keep the repo rate stable on 5.5 percent is a steady and future step. In such a policy for the real estate sector, continuity instills long -term trust in both buyers and developers. This makes it easy to take a loan, promotes investment and grows further than festivals. Stability is very important for this sector because it rests on trust and clarity.

RBI’s decision shows the strength of the economy

Trident Realty CEO Parvinder Singh says, “We welcome the RBI’s decision to keep the repo rate stable.” In the current economic environment, which is surrounded by constant inflation and global uncertainties, this stability is not only assuring the real estate sector but also encouraging. The atmosphere of stable interest rates confidence in making future planning to home buyers, on the other hand, gives developers an opportunity to focus on long-term and value-based projects. ‘

He further said, “This decision reflects trust in the strength of the Indian economy and supports a healthy investment environment. This not only strengthens the perception of the residential market, but today’s home further strengthens our commitment to sustainable and future projects keeping in mind the changing needs of buyers and communities.

Luxury housing segment expected demand to boom

At the same time, AU Real Estate Director Ashish Aggarwal said, “We appreciate the RBI’s decision to keep the repo rate unchanged as it gives the real estate sector the necessary stability that is most needed in the current circumstances. In the AU Real Estate we believe that the constant stability in the repo rate leads to the market, especially in long-term long-term investment areas such as luxury property, establishs trust and transparency.

He further says, “Stable interest rates not only increase the power of the house, but also make the home loan more accessible. As the financeing gets easier, we expect a boom in demand in the luxury housing segment, especially from the customers who are looking for the best and customized homes that fulfill their lifestyle aspirations. This stable economic environment not only enhances the confidence of buyers, but also encourages us to manufacture high quality, specific and durable luxury projects.

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RBI MPC Meeting: Interest rates are not changed between tariff tension, growth rate of 6.5%, RBI Governor Sanjay Malhotra announced

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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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RBI MPC Meeting: Will the common man get the good news again? RBI-MPC meeting starts today

Admin — Mon, 04 Aug 2025 06:00:58 +0000

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.

Also read:

Boom is coming in real estate! This decision of RBI can increase the demand for homes, know the opinion of experts

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New notes of 20 rupees will come soon in the market, now what about old notes? RBI said this clearly

Admin — Sun, 18 May 2025 05:03:59 +0000

20 Rupee New Note: New notes of 20 rupees will be issued by the Reserve Bank of India (RBI) under the Mahatma Gandhi Series (New) soon. It will be signed by the new RBI Governor Sanjay Malhotra. The design and features of these new notes will remain the same as 20 rupee notes, only the signature will be updated. That is, color, size, security features will remain the same. This change is a normal process after the RBI governor was changed. & Nbsp;

What about old 20 rupee notes now? & Nbsp;

Sanjay Malhotra took over as the 26th Governor of the Reserve Bank of India for a three -year term on December 11, 2024. According to the report by news agency ANI, the Reserve Bank has made it clear that all the current 20 rupees bank notes issued during the tenure of the previous governors will be in circulation.

According to the provisions of the RBI Act, 1934, all the notes issued by the Reserve Bank will be fully valid for transactions in India until the withdrawal is withdrawn.

In addition, 1 rupee notes issued by the Government of India are also a legal tender (valid currency). The work of printing bank note is done in four printing presses. Two of these are operated by the Government of India through Securities Printing and Currency Construction Corporation Limited. & Nbsp;

No needs to replace old notes

In this 20 rupee note, the picture of Mahatma Gandhi will be clearly visible. Apart from this, numbering patterns, water mark and security thread will also be strengthened. With its release, both old and new notes can be used for transactions in the market. That is, even after new notes have come, there will be no need to change the old notes or deposit it in the bank. New notes will be distributed by bank and ATM. & nbsp;

& nbsp;

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