RBI MPC| RBI Governor का Repo Rate पर ऐलान, आपके लोन पर क्या असर?| GoodReturns
लगातार तीन दिनों की बैठक के बाद अब RBI गवर्नर शक्तिकांत दास ने क्रेडिट पॉलिसी बैठक के फैसलों का एलान (RBI MPC Meeting) कर दिया है. कर्ज सस्ता होने और ईएमआई का बोझ कम होने का इंतजार कर रहे लोगों को एक बार फिर से निराशा हाथ लगी है. रिजर्व बैंक ने रिकॉर्ड 9 वीं बैठक में भी रेपो रेट को कम नहीं किया है. आरबीआई ने रेपो रेट को 6.50 फीसदी पर बरकरार रखा है.
#RBI #MonetaryPolicy #RBIMPCmeeting #ShaktikantaDas #RBICreditPolicy #Loan #EMI #RepoRate
~HT.97~PR.147~ED.148~
#RBI #MonetaryPolicy #RBIMPCmeeting #ShaktikantaDas #RBICreditPolicy #Loan #EMI #RepoRate
~HT.97~PR.147~ED.148~
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NewsTranscript
00:00After a three-day battle, RBI Governor Shakti Kanta Das has announced the decision of Credit
00:05Policy Better.
00:06People who are waiting for the debt to be reduced and the burden of EMI to be reduced
00:12have once again been disappointed, because the Reserve Bank has not reduced the repo
00:18rate even in the 9th session of the Record.
00:21The RBI has set the repo rate at 6.50%, and the impact of the repo rate also affects your
00:25loan EMI.
00:26In this video, we will explain what has happened in today's meeting and how it affects your
00:31EMI.
00:32The direct effect of the repo rate is on the EMI of the loan.
00:36If the repo rate is increased, the loan interest also increases, while if the repo rate is reduced,
00:41the loan interest decreases.
00:42But the decision of the banks is how much to increase or decrease the interest rate of
00:47the loan.
00:48There has been no change in the repo rate this time, so you will have to wait a little
00:53longer for a cheap loan.
00:55Now if you don't know what the repo rate is, let's find out.
00:58Just like you take a loan from the banks for your needs, the bank also takes a loan from
01:03the Reserve Bank for its needs.
01:05The interest rate on which the Indian Reserve Bank gives loans to the banks is called the
01:09repo rate.
01:10When the RBI reduces the repo rate, most banks also reduce the loan.
01:15But if the repo rate increases, the bank also increases the interest rate, i.e. the
01:20EMI of your loan increases.
01:24Now let's talk about the current interest rates.
01:264 out of 6 members have decided not to change the repo rate.
01:30The reverse repo rate is fixed at 3.35%, the MSF rate and bank rate are fixed at 6.75%,
01:37while the SDF rate is at 6.25%, the CRR is at 4.50% and the SLR is at 18%.
01:45RBI Governor Shaktikanta Das said that inflation is still the biggest concern for the Central
01:50Bank and this is the reason why the MPC has decided to keep the repo rate fixed at 6.5%.
01:58To reduce interest rates, the Reserve Bank is still waiting.
02:02RBI's August MPC meeting started on August 6 and ended today.
02:06After that, the RBI Governor gave information about the decisions taken in the meeting and
02:10he said that 4 out of 6 members of the MPC have decided to keep the repo rate fixed.
02:17The next meeting of the MPC will take place in October.
02:19The Monetary Policy Committee of the Reserve Bank changed the repo rate for the last time
02:23in February last year, i.e. there has been no change in the repo rate for 1.5 years.
02:29In the MPC meeting held in February 2023, the RBI increased the repo rate to 6.5%.
02:36Let me also tell you that after the full budget of the Reserve Bank's financial year 24-25
02:40was presented, the first meeting was held.
02:43Finance Minister Nirmala Sitharaman presented the full budget on July 23 last month and
02:47this was the third meeting of the powerful Monetary Policy Committee of the Reserve Bank
02:51in the current financial year.
02:53The decision on the repo rate is taken in the MPC meeting of 6 members.
02:57The Reserve Bank wants to bring the retail inflation rate below 4% in the country.
03:02The retail inflation rate fell to 5% in the month of May and with 4.75%, it was the lowest
03:09in the year.
03:11Due to the increase in the prices of food, especially vegetables and lentils, the inflation
03:15rate has once again exceeded 5% in June and has reached a high of 5.08% in 4 months.
03:23July's retail inflation figures will be released next week.
03:27So that's all in this video, the repo rate has not been reduced.
03:29How did you like this decision?
03:31Do tell us by commenting.
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03:41Thank you for watching!