RBI ne February 2023 ke baad pehli baar repo rate mein **25 basis points** ka hike kiya hai. Festive season mein ab loan lena mehenga ho jayega, jisse cars aur ghar ki demand par pressure aa sakta hai.
Rate hike ka impact kya hoga?
RBI ne 5.50% tak repo rate badha diya hai kyunki inflation 4.8% tak pahunch chuki hai. Monetary Policy Committee ne ab 'calibrated tightening' ka stance liya hai, matlab aage bhi rates kam hone ke chances kam hain.
Festive shopping aur EMIs ka tension
Abhi festive season chal raha hai jahan brands zero-cost EMI aur offers dete hain, lekin badhte interest rates ke karan aapki monthly EMI badhne wali hai. Agar aapne floating rate par home ya personal loan le rakha hai, toh aapki repayment tenure ya monthly outflow dono hit ho sakte hain.
Market par kya effect padega?
Housing aur auto sector par sabki nazar hai. Log bade kharche karne se pehle sochte hain, aur agar loan mehenga hua toh demand slow ho sakti hai. Investors ko ab monthly consumption data aur inflation numbers par focus karna hoga.
Economy ka kya scene hai?
Ek taraf RBI ne FY27 ke GDP growth forecast ko 7.1% tak badhaya hai, lekin tight credit conditions discretionary spending ko rok sakti hain. Dekhte hain ki market is news ko kaise react karta hai.