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RBI Monetary policy

 

RBI monetary policy 














Repo Rate (RBI ka Paisa Dena):

Repo Rate ka matlab hai ki RBI (jo humara central bank hai) banks ko paisa dene ke liye ek rate decide karta hai. Agar RBI ko lagta hai ki market mein paisa zyada ho gaya hai, toh wo repo rate badha deta hai. Matlab banks ko paisa zyada mehenga milega, aur phir logon ko loan lene mein zyada paisa dena padega.


Example: Maan lo, aapke paas ek dost hai jo aapko 100 rupees udhaar deta hai. Agar wo kahi aur se paisa mehenga udhaar le raha hai, toh wo aapko zyada interest ke saath paisa dega.


2. Reverse Repo Rate (RBI ka Paisa Lena):

Reverse Repo Rate ka matlab hai ki RBI banks se paisa leta hai. Jab RBI ko lagta hai ki market mein zyada paisa aa gaya hai, toh wo reverse repo rate badhata hai, taaki banks apna paisa RBI ko de dein aur market mein paisa kam ho jayega.











Example: Maan lo, aapke paas ek kafi paise hain, lekin aapko lagta hai ki market mein zyada paisa aa gaya hai. Aap apne paise ko RBI ke paas jama kar dete ho taaki market mein paisa thoda kam ho.


3. Cash Reserve Ratio (CRR):

Cash Reserve Ratio (CRR) ka matlab hai ki banks ko apne paas jitna paisa hota hai, uska kuch hissa RBI ke paas rakhna padta hai. Jab RBI CRR ko badhata hai, toh banks ke paas paisa kam ho jata hai jo wo loan dene ke liye istemal kar sakte hain.


Example: Maan lo, aapke paas 100 rupees hain, par agar RBI ne CRR badha diya, toh aapko apne 100 rupees ka kuch hissa RBI ko de dena padega.


4. Statutory Liquidity Ratio (SLR):

SLR ka matlab hai ki banks ko apne paisa ka kuch hissa government bonds mein invest karna padta hai. Jab RBI SLR ko badhata hai, toh banks ko apne paisa ka zyada hissa bonds mein rakhna padta hai aur isse market mein paisa kam ho jata hai.

Example: Agar aapke paas 100 rupees hain, toh aapko apne paise ka kuch hissa kisi government bond mein lagaana padega. Isse aapke paas thoda paisa kam rahega.


5. Open Market Operations (OMO):

Open Market Operations ka matlab hai ki RBI market mein bonds kharidta aur bechta hai. Jab RBI bonds kharidta hai, toh market mein paisa zyada hota hai, aur jab bonds bechta hai, toh market mein paisa kam hota hai.


Example: Maan lo, aapke paas 100 rupees hain. Agar aap kuch paise kisi aur ko de rahe ho (bonds bech rahe ho), toh market mein paisa kam ho jayega. Agar aap paise le rahe ho (bonds kharid rahe ho), toh market mein paisa zyada ho jayega.





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