RBI’s Latest Monetary Policy: What It Means for Investors and Borrowers
The Reserve Bank of India has hit the pause button again! In its October 2025 policy, RBI kept the repo rate unchanged at 5.50% — a sign that our economy is growing steadily and inflation is finally calming down.
💡 Repo rate is simply the rate at which RBI lends money to commercial banks — it decides how expensive or cheap loans become for all of us.
So, why are prices still rising a little? Mostly due to higher fuel costs and festive season demand, though they’re expected to ease soon as supplies improve and GST rates are rationalised.
Here’s what this means for you 👇
For Borrowers
No surprise jump in your EMIs this month! Home, car, and personal loans remain stable. But if you have a floating-rate loan, stay alert — a future rate hike could raise your EMI by ₹1,200–₹1,500 on a ₹30 lakh loan.
For Investors
Debt funds look steady, equities have room to grow, and fixed deposit rates stay unchanged. It’s a good time to diversify—spread your money across equity, debt, and gold for stability.
RBI’s move reflects confidence in India’s growth story — steady, strong, and sensible.
(Contributed by Riya Bhandari, Relationship Manager, Team Arjun, Hum Fauji Initiatives)
The 50/30/20 Rule: Simplifying Budgeting for Financial Freedom
Managing money can feel confusing — bills, goals, and temptations all fighting for your pay check. But what if there was a simple way to bring balance?
Enter the 50/30/20 rule — a stress-free method to plan your finances without complicated maths. Here’s how it works:
- Needs (50%): This covers life’s essentials — rent, groceries, electricity, transport, and insurance. These are your non-negotiables that keep life running smoothly.
- Wants (30%): This is the fun part! It’s for dining out, Netflix, travel, or hobbies — all the things that make life enjoyable. Spending here guilt-free keeps your budget realistic and balanced.
- Investment and Saving (20%): This portion builds your future — creating an emergency fund, investing in mutual funds, or saving for retirement. It’s what turns your income into long-term security.
The beauty of the 50/30/20 rule lies in its simplicity and flexibility. It helps track spending, encourages mindful financial choices, and creates a foundation for financial freedom. Whether you’re just starting out or looking to regain control of your finances, this rule is a powerful starting point for building a healthier money mindset.
(Contributed by Anjali Tomar, Relationship Manager, Team Arjun, Hum Fauji Initiatives)
Have You Forgotten Your Money? Discover It Through RBI’s UDGAM Portal!
Have you ever changed banks, moved cities, or simply lost track of an old savings account or fixed deposit?
You’re not alone. Thousands of Indians have unclaimed deposits lying idle with banks — often due to inoperative accounts, unclaimed term deposits, or funds left untouched after account holders move or pass away.
To address this issue, the Reserve Bank of India (RBI) launched a Centralised Web Portal — UDGAM (Unclaimed Deposits – Gateway to Access Information) on August 17, 2023.
What does UDGAM do?
This initiative aims to simplify the process of tracing and claiming forgotten or unclaimed deposits across multiple banks, all in one convenient place.
Through UDGAM, individuals can easily search whether they have any unclaimed deposits with participating banks, without needing to visit each bank separately. The portal provides transparent access to information and promotes financial awareness, helping people reclaim what is rightfully theirs.
How to Use It?
Visit the RBI UDGAM website, register with your basic details, and enter your name or PAN. The system will show any unclaimed accounts linked to you and guide you through the claiming process.
This initiative is a big step toward financial inclusion and digital empowerment. So, take a few minutes today — who knows, you might just rediscover some forgotten wealth waiting for you!
(Contributed by Aditya Bhola, Financial Planner, Team Sukhoi, Hum Fauji Initiatives)
What did our clients ask us in the last 7 days
Question – Can you explain how LTCG (Long Term Capital Gains) and STCG (Short Term Capital Gains) taxes are applied to Gold and Silver Mutual Funds? How does their taxation differ from that of physical Gold and Silver transactions?
Our Reply
Gold and Silver investments can be owned either through Mutual Funds (Fund of Funds) or by purchasing Physical Gold/Silver directly. While both aim to capture the same underlying asset performance, the taxation treatment primarily depends on the holding period and mode of investment.
Here’s a quick comparison 👇
Though taxation is the same, Gold & Silver Mutual Funds offer higher liquidity, lesser purchase costs, requirement of lower minimum purchase value and easier transactions — making them a much smarter and hassle-free choice.
💡 Our Suggestion:
For investors who prefer flexibility and transparency without worrying about storage or purity, Gold & Silver Mutual Funds are the smarter long-term choice.
(Contributed by Team Arjun, Hum Fauji Initiatives)
Want to include precious metals smartly in your portfolio? Connect with Hum Fauji Initiatives for expert guidance today!
