RBI Repo Rate: The meeting of the Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) started today (August 4, 2025). In such a situation, now the question in the minds of the people is whether RBI will once again cut the repo rate to make people happy? State Bank of India has released a report in this regard.
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RBI Repo Rate: The common people of the country are expected to get a big good news soon. If you are planning to buy a house, a car, then its price can be cheaper. The reason for this is that the Reserve Bank of India can again cut the repo rate. The Reserve Bank of India (RBI) can announce a cut of 25 basis points (bps) in the repo rate in the Monetary Policy Committee (MPC) meeting to be held from 4 to 6 August. The State Bank of India (SBI) has said this in a report. The policy will be announced on 6 August.
Let us tell you that RBI has already cut its repo rate 3 times this year. Earlier this cut was made by 25 basis points in February. At the same time, this cut was also of 25 basis points in April. In June, RBI cut the repo rate by 50 basis points. In such a situation, till now the repo rate has been cut by 1 percent.
Possibility of good news before festivals
The SBI Research report said that the Reserve Bank can give a gift to the people taking loans by reducing the repo rate in the RBI MPC meeting. If this rate cut happens, then it will give a big boost to credit growth before the start of the festive season of FY 26. The report said that historically, whenever interest rates are cut before the start of the festive season, then credit growth gets a big boost.
If the repo rate is cut this time, people will get good news before the festival and it will become cheaper for people to take loans. On the other hand, FD investors will suffer losses due to the cut in the repo rate.
These claims were made in the report
The report said that the repo rate was cut by 25 basis points in August 2017. This led to an additional credit growth of Rs 1,956 billion by the end of Diwali. Personal loans accounted for about 30 percent of this. Along with this, the report also said that Diwali is one of the biggest festivals in India. In such a situation, consumer spending would have increased on this occasion, and the low interest rate environment before Diwali helps in improving loan demand.
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