RBI ne repo rate **25 bps** badha kar **5.50%** kar diya hai. 'Calibrated tightening' ki wajeh se market thoda shaky hai aur Ambit ke analysts ne credit growth ko lekar warning di hai.
RBI ka naya move: Ab tightening ka samay
RBI ne October 7, 2026 ko repo rate ko 25 basis points se badha kar 5.50% kar diya hai. Iske sath hi central bank ne 'calibrated tightening' ka stand liya hai, jiska saaf matlab hai ki ab easy liquidity ka zamana khatam. Is news ke baad se hi Sensex aur Nifty mein thoda pressure dikh raha hai kyunki investors dar rahe hain ki borrowing cost badhne se corporate earnings par asar padega.
Banking sector: Chhota sa fayda, bada risk?
Ambit ke Dhiraj Agarwal aur unki team ka manna hai ki interest rate hike ka shuruati fayda banks ko milta hai. Kyunki loan rates jaldi badhte hain par deposit rates dhire-dhire adjust hote hain, isse margin mein thodi badhotri hoti hai. Abhi banks ki credit growth 17% se 20% ke beech chal rahi hai, jo ek achha sign hai. Lekin darr ye hai ki agar RBI ne aur zyada rate hike kiye, toh ye margin sustain karna mushkil ho jayega.
Consumer aur Real Estate par impact
Ambit ne warning di hai ki agar rate hike cycle lamba chala, toh 4th hike ek tipping point ban sakta hai. Iska seedha asar real estate aur auto sector par padega, jahan loans ka interest badhne se EMI mehengi ho jayegi aur log kharidari kam kar denge. Saath hi, ab consumption space mein bhi bada shift aa raha hai jahan naye online brands purane staples players ko takkar de rahe hain. Investors ko ab credit growth ke data aur corporate earnings par gehri nazar rakhni hogi.