As RBI rules out rate cuts soon, fixed deposits become attractive again - Business Standard

The Reserve Bank of India has signaled that it does not intend to cut interest rates in the near term, a stance that reduces the likelihood of falling deposit rates and makes fixed deposits relatively more appealing to savers. The transmission channel runs through the domestic rate differential: when policy rates stay elevated, bank term deposit yields remain competitive against equities, gold, and other savings instruments, which can shift household savings toward bank liabilities and away from market-linked holdings. Banks with large retail deposit franchises may find funding costs stabilizing, while rate-sensitive segments such as housing finance and auto lending could see sustained pressure on borrowing demand. Traders should watch the next Monetary Policy Committee meeting and the accompanying inflation projections, as any shift in the RBI's forward guidance on the repo rate would reprice expectations across the government bond curve and deposit pricing alike.

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