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14 min read

Notes

Monetary Policy is the policy by which RBI controls money supply and credit in the economy.

**Objectives:**

1. Price Stability (primary objective)

2. Economic Growth

3. Exchange Rate Stability

4. Financial Stability

**Quantitative Tools:**

1. **Repo Rate:**

  • Rate at which RBI lends to commercial banks
  • Currently: 6.5% (as of 2024)
  • 2. **Reverse Repo Rate:**

  • Rate at which RBI borrows from banks
  • Currently: 3.35%
  • 3. **Cash Reserve Ratio (CRR):**

  • % of deposits banks must keep with RBI
  • Currently: 4.5%
  • 4. **Statutory Liquidity Ratio (SLR):**

  • % of deposits in liquid assets
  • Currently: 18%
  • 5. **Open Market Operations (OMO):**

  • Buying/selling of government securities
  • **Monetary Policy Committee (MPC):**

  • 6 members: 3 from RBI, 3 external
  • Governor is ex-officio Chairman
  • Meetings every 2 months
  • Decisions by majority vote
  • Key Concepts

    Conducted by RBI

    Objectives: Price stability, Economic growth, Exchange rate stability

    Tools: Repo rate, Reverse Repo, CRR, SLR, OMO

    Monetary Policy Committee (MPC)

    Inflation targeting framework (4% ± 2%)

    Important Facts

    • •[2016] MPC established under amended RBI ActInflation targeting framework adopted
    • •[2016] Inflation target set at 4% ± 2%Valid till March 2026
    • •[October 2016] First MPC meeting heldChaired by then Governor Urjit Patel

    Mnemonics & Memory Tricks

    RBI Tools

    RROCS - Repo, Reverse Repo, OMO, CRR, SLR

    MPC Composition

    3+3 = 6 members (3 RBI + 3 External)