FD investors breathe easy as RBI pauses rates; how to lock in your investments for better returns

This is a shift from the last MPC in December 2025 when the RBI lowered the repo rate by 25 bps, bringing the total cuts for the year to 125 bps. With no cut in the repo rate this time, it is highly unlikely that banks and small finance banks (SFBs) will significantly lower their FD interest rates. That said, the transmission of the previous repo rate cut is not yet complete and some banks and SFBs may still cut FD rates.Repo rate: A brief history Date Rate (%) Change (%) 07-Feb-25 6.25% -0. ...