RBI MPC Meeting 2025: First Policy Review by New Governor Sanjay Malhotra – Key Details & Live Updates
RBI MPC Meeting Date & Time
The Reserve Bank of India (RBI) Monetary Policy Committee (MPC) meeting commenced on February 5, 2025, with a crucial policy announcement scheduled for February 7, 2025, at 10:00 AM. This will be the first policy review under newly appointed RBI Governor Sanjay Malhotra.
Where to Watch Live?
The RBI MPC announcement will be streamed live on the official RBI YouTube Channel. Additionally, detailed insights and real-time analysis will be available on financial news portals like TOI, Moneycontrol, and CNBC TV18.
Why Is This RBI MPC Meeting Crucial?
This meeting is being closely watched for a potential 25 basis point repo rate cut, marking the first rate reduction in five years. The decision follows the Union Budget 2025, which aimed to boost consumption through revised income tax slabs. With India’s GDP growth slowing to 5.4%, experts believe that a rate cut could stimulate economic activity.
What to Expect from RBI MPC Meeting?
- Repo Rate Decision: Analysts expect a 25 bps cut to support growth.
- Inflation Outlook: CPI inflation is projected to fall to 4.5% in Q4 FY25, averaging 4.8% for the full year.
- Impact on Borrowers: A repo rate cut could make loans cheaper, benefiting home loan and business loan borrowers.
- Rupee Stability: Despite global uncertainties, the RBI aims to balance growth with rupee stability.
- Future Rate Cuts: Economists forecast two more rate cuts in April and October 2025, totaling 75 bps.
Market Reactions & Expert Opinions
- Stock Market: Investors are bullish on rate-sensitive sectors like banking, real estate, and auto.
- Banking Sector: Banks may adjust lending rates, impacting loan EMIs and savings deposit rates.
- Expert Views: According to SBI’s Economic Research, the RBI has room for further rate cuts, considering the fiscal stimulus and trade challenges.
Final Thoughts
With inflation under control and growth concerns rising, the RBI’s decision on February 7, 2025, will set the tone for India’s economic trajectory in the coming months. The repo rate cut, if announced, will be a major step toward economic recovery, aligning with the government’s push for consumption-driven growth.
Additional Insights on RBI MPC Meeting 2025
1. Impact on Different Sectors
- Real Estate & Housing: Lower interest rates will reduce home loan EMIs, boosting housing demand.
- Auto Industry: Car loans may become cheaper, increasing vehicle sales.
- Stock Market Trends: A rate cut could lead to rallies in banking and infrastructure stocks.
2. Comparison with Previous RBI Policies
- The last repo rate cut was in May 2020 during the COVID-19 crisis.
- RBI had paused rate hikes in May 2023, keeping the repo rate stable at 6.5%.
3. Global Impact & Trends
- US Federal Reserve & Other Central Banks: The Fed has kept rates high, while the European Central Bank and Bank of Japan have different monetary strategies.
- India vs. Other Economies: A rate cut could make India more attractive for foreign investments.
4. Future Economic Outlook
- If the rate cut happens, the Indian economy could grow beyond 6% in FY26.
- RBI's stance will also affect inflation control and fiscal deficit management
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