Repo Rate is the rate at which

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APPSC Group 2 Prelims Official Paper 2 (Held On: 5 May 2019)
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  1. RBI lends money to the commercial banks
  2. RBI borrows money from the commercial banks
  3. RBI lends money to the capital market
  4. RBI borrows money from the capital market

Answer (Detailed Solution Below)

Option 1 : RBI lends money to the commercial banks
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Detailed Solution

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The correct answer is RBI lends money to commercial banks.

  • Repo Rate is the rate at which RBI lends money to commercial banks.

Important Points

  • Repo rate is the rate at which the Reserve Bank of India lends money to commercial banks or financial institutions in India against government securities.
    • Repo means Repurchase Agreement or Repurchase Option.
    • Repo rate is classified under liquid adjustment facility which is a quantitative tool of monetary policy.
    • Effect of Repo Rate on Economy:
    • It helps in controlling inflation (one of the main instruments of RBI).
    • Increase liquidity in the market.
    • This is higher than the reverse repo rate (the rate at which RBI borrows money from banks).
    • The current repo rate for the year 2021 is 4%.
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