{"id":9984,"date":"2025-09-10T10:26:14","date_gmt":"2025-09-10T10:26:14","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9984"},"modified":"2026-02-23T14:50:52","modified_gmt":"2026-02-23T14:50:52","slug":"how-rbis-repo-rate-impacts-fixed-deposit-interest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/","title":{"rendered":"How RBI\u2019s Repo Rate Impacts Your Fixed Deposit Interest"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Reserve Bank of India\u2019s repo rate directly influences how much interest you can earn on your fixed deposits (FDs). When the RBI raises the repo rate, banks often increase fixed deposit (FD) rates to bring in more deposits. If the repo rate is reduced, banks generally cut FD rates as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This simple cause-and-effect relationship means that every change in the repo rate can affect your savings. This article breaks down how RBI\u2019s repo rate changes affect your FD investment and returns.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#What_Is_the_RBIs_Repo_Rate_and_Why_Does_It_Change\" >What Is the RBI\u2019s Repo Rate and Why Does It Change?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#How_RBI_Repo_Rate_Changes_Impact_FD_Rates\" >How RBI Repo Rate Changes Impact FD Rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#Example_How_Repo_Rate_Impacts_Your_FD_Returns\" >Example: How Repo Rate Impacts Your FD Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#How_the_RBIs_Repo_Rate_in_India_Affects_New_and_Existing_FD_Investors\" >How the RBI\u2019s Repo Rate in India Affects New and Existing FD Investors?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#If_You_Already_Have_an_FD\" >If You Already Have an FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#If_You_Are_Planning_a_New_FD\" >If You Are Planning a New FD<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#How_Does_a_Repo_Rate_Hike_Benefit_Savers\" >How Does a Repo Rate Hike Benefit Savers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#How_Does_a_Repo_Rate_Cut_Affect_Savings\" >How Does a Repo Rate Cut Affect Savings?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#Final_Thoughts_How_Repo_Rate_Changes_Shape_Your_Savings\" >Final Thoughts: How Repo Rate Changes Shape Your Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#FAQs_on_How_Repo_Rate_Changes_Affects_FD_Rates\" >FAQs on How Repo Rate Changes Affects FD Rates<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#How_does_the_RBIs_repo_rate_affect_FD_interest_rates_and_returns\" >How does the RBI\u2019s repo rate affect FD interest rates and returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#How_does_bank_rate_differ_from_repo_rate\" >How does bank rate differ from repo rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#What_happens_when_RBI_cuts_repo_rate\" >What happens when RBI cuts repo rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#What_is_the_current_repo_rate_in_India\" >What is the current repo rate in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/#How_is_repo_rate_linked_to_inflation\" >How is repo rate linked to inflation?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_the_RBIs_Repo_Rate_and_Why_Does_It_Change\"><\/span><b>What Is the RBI\u2019s Repo Rate and Why Does It Change?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The RBI\u2019s repo rate is the cost at which the central bank provides short-term funds to commercial banks to manage their daily liquidity needs. It acts as a key tool for managing money flow and influences how banks decide their lending and fixed deposit (FD) interest rates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The RBI changes the repo rate of India to keep the economy balanced:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When inflation rises, the RBI increases the repo rate so that borrowing becomes more expensive and spending slows down.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When growth slows, the RBI reduces the repo rate to make borrowing cheaper and encourage lending and investment.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Every RBI repo rate change eventually affects your FD returns, since banks adjust deposit rates based on how easily they can borrow funds from the RBI.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_RBI_Repo_Rate_Changes_Impact_FD_Rates\"><\/span><b>How RBI Repo Rate Changes Impact FD Rates<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A hike in the repo rate makes borrowing from the RBI more expensive for banks. To maintain liquidity, banks often raise fixed deposit (FD) rates to attract more funds from customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When the RBI cuts the repo rate, banks can borrow funds from the central bank at a lower cost. They rely less on public deposits and may lower FD interest rates as a result.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To put this simply:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Higher repo rate means banks offer better FD returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower repo rate means FD rates may decline.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Example_How_Repo_Rate_Impacts_Your_FD_Returns\"><\/span><b>Example: How Repo Rate Impacts Your FD Returns<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let\u2019s take a simple example to understand how FD interest rates can change based on RBI\u2019s repo rate cuts and hikes. The current RBI repo rate is 5.50%. Most people expect a RBI repo rate cut in December. If that happens and the RBI decides to reduce the rate by 25 basis points to 5.25%, banks will be able to borrow money at a lower cost.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To reflect this change, they may bring down fixed deposit (FD) interest rates. So, if the current FD interest rate is 7.25% for a 1-year term, they may bring it down to 7%. This means that even a small rate cut like this can lower your overall FD returns.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_the_RBIs_Repo_Rate_in_India_Affects_New_and_Existing_FD_Investors\"><\/span><b>How the RBI\u2019s Repo Rate in India Affects New and Existing FD Investors?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The effect of repo rate changes differs depending on whether you already have an FD or plan to open one. Here\u2019s what you should know:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"If_You_Already_Have_an_FD\"><\/span><b>If You Already Have an FD<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your interest rate stays fixed until maturity. In other words, your FD returns stays the same regardless of whether the RBI increases the repo rate or cuts it. But when your FD matures, the new rate will apply if you choose to reinvest.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"If_You_Are_Planning_a_New_FD\"><\/span><b>If You Are Planning a New FD<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If RBI increases the repo rate, you may benefit from higher returns by booking an FD at a higher interest rate post the increase. However, if the repo rate falls, banks will also lower their FD interest rates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s why, if the repo rate is expected to fall soon, locking in your FD at current higher rates may be a better option.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_a_Repo_Rate_Hike_Benefit_Savers\"><\/span><b>How Does a Repo Rate Hike Benefit Savers?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When the RBI increases the repo rate, banks borrow at higher costs. To attract public deposits, they raise FD interest rates. This is when savers stand to gain.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how you can make the most of a rate hike:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renew maturing FDs at new, higher rates to lock in better returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose short-term FDs if you expect further hikes soon, so you can reinvest later at even higher rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare across banks and NBFCs because some institutions pass on rate hikes faster than others.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_a_Repo_Rate_Cut_Affect_Savings\"><\/span><b>How Does a Repo Rate Cut Affect Savings?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When the RBI cuts the repo rate, borrowing becomes cheaper for banks. But it also means that FD rates may fall. This is when you need to adjust your strategies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what you can do:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lock in long-term FDs before rates fall further to preserve higher returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider diversifying your investments by combining FDs with bonds or other fixed-income products that may offer better yields.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep some liquidity through short-term FDs to take advantage when rates start rising again.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Final_Thoughts_How_Repo_Rate_Changes_Shape_Your_Savings\"><\/span><b>Final Thoughts: How Repo Rate Changes Shape Your Savings<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The RBI repo rate directly influences how much you earn on your fixed deposits. When the rate goes up, banks usually increase FD returns to attract more savings. When it falls, the returns may decline.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding this connection helps you decide when to invest or renew your deposits. By keeping track of RBI policy updates and comparing rates across banks, you can make better choices for your long-term savings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for the highest FD interest rates from leading banks and NBFCs like Suryoday Small Finance Bank and Bajaj Finserv, you can explore the options available on the <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_How_Repo_Rate_Changes_Affects_FD_Rates\"><\/span><b>FAQs on How Repo Rate Changes Affects FD Rates<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"How_does_the_RBIs_repo_rate_affect_FD_interest_rates_and_returns\"><\/span><b>How does the RBI\u2019s repo rate affect FD interest rates and returns?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When the RBI increases the repo rate, banks face higher borrowing costs and may raise fixed deposit (FD) interest rates to attract funds. When the repo rate decreases, borrowing becomes cheaper, and banks often lower FD rates, reducing potential returns.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_bank_rate_differ_from_repo_rate\"><\/span><b>How does bank rate differ from repo rate?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The repo rate is the rate at which the RBI lends money to banks against government securities. The bank rate is a longer-term rate without collateral. Both influence lending and deposit rates, but the repo rate has a more direct impact on FD returns.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_when_RBI_cuts_repo_rate\"><\/span><b>What happens when RBI cuts repo rate?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A repo rate cut means banks can borrow funds at a lower cost. This often leads to a decrease in FD interest rates, making new deposits less rewarding for savers.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_current_repo_rate_in_India\"><\/span><b>What is the current repo rate in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As of 23rd October 2025, the repo rate in India is 5.50%. The Reserve Bank of India (RBI) is expected to review it and announces changes (if any) in December.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_is_repo_rate_linked_to_inflation\"><\/span><b>How is repo rate linked to inflation?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The RBI changes the repo rate to keep inflation in check and maintain price stability. When inflation is high, it raises the repo rate to limit borrowing and spending.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When inflation is low, it cuts the repo rate to encourage credit and investment. This balance helps stabilise prices while influencing your FD earnings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Disclaimer:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are offered by financial institutions, which are regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><br \/>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does the RBI\u2019s repo rate affect FD interest rates and returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When the RBI increases the repo rate, banks face higher borrowing costs and may raise fixed deposit (FD) interest rates to attract funds. When the repo rate decreases, borrowing becomes cheaper, and banks often lower FD rates, reducing potential returns.\"}},{\"@type\":\"Question\",\"name\":\"How does bank rate differ from repo rate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The repo rate is the rate at which the RBI lends money to banks against government securities. The bank rate is a longer-term rate without collateral. Both influence lending and deposit rates, but the repo rate has a more direct impact on FD returns.\"}},{\"@type\":\"Question\",\"name\":\"What happens when RBI cuts repo rate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A repo rate cut means banks can borrow funds at a lower cost. This often leads to a decrease in FD interest rates, making new deposits less rewarding for savers.\"}},{\"@type\":\"Question\",\"name\":\"What is the current repo rate in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As of 23rd October 2025, the repo rate in India is 5.50%. The Reserve Bank of India (RBI) is expected to review it and announces changes (if any) in December.\u00a0\"}},{\"@type\":\"Question\",\"name\":\"How is repo rate linked to inflation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The RBI changes the repo rate to keep inflation in check and maintain price stability. When inflation is high, it raises the repo rate to limit borrowing and spending.\u00a0\\n\\nWhen inflation is low, it cuts the repo rate to encourage credit and investment. This balance helps stabilise prices while influencing your FD earnings.\"}}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Reserve Bank of India\u2019s repo rate directly influences how much interest you can earn on your fixed deposits (FDs). When the&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[224,225],"tags":[329,335,345,346,347,348,349],"class_list":["post-9984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-fd","category-fixed-deposit","tag-fd-rates","tag-repo-rate","tag-rbi-repo-rate-cut-impact","tag-repo-rate-india","tag-rbi-increase-repo-rate-repo-rate-of-rbi-meaning","tag-rbi-repo-rate-changes","tag-fd-interest-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Repo Rate in India: What It Means for Your FD Returns<\/title>\n<meta name=\"description\" content=\"Learn how RBI repo rate changes affect FD interest rates and savings. 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