PaisaPushan · Class 9-10
Daam kaabu mein kaise rahein? MPC aur byaj ka khel
Petrol-diesel mehenge hon toh sabzi, bus-kiraya aur factory ka kharch, sab badhte hain. RBI ke paas kaunsa 'brake' hai?
Socho pehle… phir dekho jawab
Brake hai byaj ki dar: repo rate. Isse karz mehenge ya sasta hote hain, aur kharch badhta ya ghatta hai.
Inflation ka matlab hai daamon ka lagataar badhna. RBI Act ke tahat Centre inflation ka target tay karta hai; ET ke mutabik yeh 4% hai, 2% ke band ke saath. Chhe sadasyon ki Monetary Policy Committee (MPC) repo rate tay karti hai, jis par RBI bankon ko karz deta hai.
Mechanism: repo badhi, toh bankon ke liye paisa mehenga, isliye ghar-gaadi-business ke karz mehenge, aur log kam kharch karte hain. Maang dheemi padti hai aur daamon ki raftaar dheemi ho sakti hai. Repo ghati, toh ulta hota hai.
Is hafte MPC ki baithak 5 se 7 October tak hai aur faisla 7 October ko aayega. Yeh preview hai, faisla nahi. ET ne bataya ki 21 economists mein se 20 ko ek chhoti badhat ki ummeed hai. Wajah: kachche tel ke daam, kamzor monsoon aur rupaye par dabaav.
Trade-off: dar badhane se daam kaabu mein aate hain, par karz mehenge hone se growth dheemi pad sakti hai. Isliye MPC faisla karte waqt dono ko tolti hai.
Ghar pe try karo
Ek kalpanik udaharan: ghar ke karz par 8% dar. Agar dar 0.25% badhe (sirf udaharan), toh 10 lakh par saalana byaj kitna badhega? Calculator se nikaalo aur batao.
Wow!
MPC mein faisla bahumat se hota hai, aur barabari par Governor ka casting vote hota hai!
3 sawaal
- MPC mein kitne sadasya hote hain?
Jawab dekho
Chhe. Monetary Policy Committee chhe sadasyon ki hoti hai.
- Repo rate badhne par aam taur par kya hota hai?
Jawab dekho
Karz mehenga. Repo badhne se bankon ke karz mehenge ho sakte hain.
- 10 lakh par 0.25% extra saalana byaj kitna hoga?
Jawab dekho
₹2,500. 10,00,000 ka 0.25% = ₹2,500.
NCERT se jodo: NCERT Class 10 Economics — mudra aur bank; Class 9 Economics — paise aur arthvyavastha