🏦 RBI Policy Rates – Live Updates (May 2025)
Stay updated with the latest monetary policy decisions by the Reserve Bank of India (RBI) – influencing loan EMIs, savings rates, and inflation control.
📊 Current RBI Policy Rates (as of May 2025)
| Policy Rate | Current Rate (%) | Last Changed | Change (+/-) |
|---|---|---|---|
| Policy Repo Rate | 6.00% | Apr 2025 | -0.50% |
| Standing Deposit Facility (SDF) | 5.75% | Apr 2025 | -0.50% |
| Marginal Standing Facility (MSF) | 6.25% | Apr 2025 | -0.50% |
| Bank Rate | 6.25% | Apr 2025 | -0.50% |
| Fixed Reverse Repo Rate | 3.35% | Unchanged | No Change |
| CRR (Cash Reserve Ratio) | 4.00% | Unchanged | No Change |
| SLR (Statutory Liquidity Ratio) | 18.00% | Unchanged | No Change |
📘 What These Rates Mean
Repo Rate
The rate at which RBI lends to commercial banks. A decrease indicates easier monetary policy to stimulate growth.
SDF Rate
RBI absorbs liquidity from banks at this rate. Helps control inflation and excess liquidity.
MSF Rate
Emergency borrowing facility for banks. Generally 0.25% above Repo Rate.
Bank Rate
Long-term lending rate from RBI. Influences commercial lending rates.
Reverse Repo Rate
Legacy rate replaced by SDF. Banks used to earn interest by parking funds with RBI.
CRR
Banks must keep 4.00% of their deposits with RBI in cash form, restricting liquidity.
SLR
Banks must invest 18.00% of deposits in liquid assets like government bonds.
📅 Upcoming RBI Monetary Policy Meetings – 2025
| Meeting Date | Expected Focus |
|---|---|
| June 2025 | Inflation Review, Repo Rate Guidance |
| August 2025 | Mid-Year Economic Forecast |
| October 2025 | Festive Demand Outlook |
📢 Impact of Policy Rate Changes
- ↓ Repo Rate: Cheaper loans, more liquidity, higher stock market activity
- ↑ Repo Rate: Higher loan EMIs, better FD rates, controls inflation
- CRR/SLR adjustments: Affect banks’ ability to lend
📚 Frequently Asked Questions (FAQs)
How often does RBI change rates?
Every two months in Monetary Policy Committee (MPC) meetings.
Who decides these rates?
The MPC, chaired by the RBI Governor.
Do these rates affect home loans?
Yes, home and other loan EMIs change based on the Repo Rate.
How does SLR/CRR impact banks?
Higher reserve requirements reduce the funds banks can lend.
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