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India central bank expected to hold rates steady amid inflation concerns

Created at 3 Aug · 1:39 AM1 source↑ Market-relevant
IN SHORT

India's central bank is anticipated to maintain its benchmark interest rates unchanged this week, diverging from many global peers. Despite rising inflation and a weakening rupee, the Reserve Bank of India is expected to prioritize its current stance due to modest inflation and strong foreign inflows.

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Key Numbers

4.38%India retail inflation in June
4%RBI's inflation target
2%-6%RBI's tolerance band for inflation
4%Core inflation level
9.87%India wholesale inflation in June
72economists polled by Reuters
68economists predicting rate hold
75 basis pointsrate hikes priced in swap markets over 12 months
$40 billioninflows attracted by RBI measures

Who's Involved

Reserve Bank of India
central bank expected to hold rates steady
Sanjay Malhotra
RBI Governor
Samiran Chakraborty
Citi's chief India economist
Tanay Dalal
economist at Axis Bank
Trinh Nguyen
Senior Economist for Emerging Asia at Natixis

↳ Why This Matters

The Reserve Bank of India's decision to hold rates steady, while many global peers are hiking, reflects a delicate balancing act between managing domestic inflation and supporting economic growth. This divergence could impact foreign investment flows and the rupee's stability, influencing India's attractiveness as an investment destination.

Key facts

  • India's central bank is expected to hold interest rates steady this week, according to a Reuters poll of economists.
  • Retail inflation in India rose to 4.38% in June, exceeding the central bank's 4% target for the first time in 17 months.
  • Core inflation, excluding food and fuel, remains near 4%.
  • Wholesale inflation increased to 9.87% in June.
  • Several central banks globally have raised rates, while the U.S. Federal Reserve and Bank of Japan have maintained their current rates.
  • Measures taken by the RBI to support the rupee have attracted nearly $40 billion in foreign inflows.

India's central bank is widely expected to maintain its benchmark interest rates at current levels this week, a stance that diverges from many of its global counterparts that have been raising borrowing costs. This decision comes despite a recent uptick in inflation and pressure on the rupee, as the Reserve Bank of India (RBI) believes inflation remains within its comfort zone and has successfully attracted significant foreign inflows through alternative measures.

While retail inflation in India reached 4.38% in June, it remains within the central bank's 2%-6% tolerance band. Core inflation, which excludes volatile food and fuel prices, has stayed near 4%. However, wholesale inflation has climbed, and inflation expectations are rising, suggesting potential future price pressures. Economists anticipate the RBI may adopt a more hawkish tone in its communication, acknowledging these risks while maintaining a data-dependent approach and a neutral policy stance.

Globally, several central banks, including those in Europe, Australia, Indonesia, and South Africa, have increased their benchmark borrowing costs in response to inflation. The U.S. Federal Reserve and the Bank of Japan, however, have kept their rates unchanged. The RBI's decision to hold rates steady is partly attributed to its success in attracting nearly $40 billion in foreign inflows through measures like scrapping capital-gains tax for foreign bondholders, rather than resorting to rate hikes to defend the rupee.

Frequently asked questions

India's central bank is expected to hold rates steady because inflation, while rising, remains within its tolerance band, and measures to support the rupee have driven strong foreign inflows.

Many central banks globally have been raising interest rates, but India's central bank is expected to diverge by holding rates steady, similar to the U.S. Federal Reserve and the Bank of Japan.

Retail inflation in India accelerated to 4.38% in June, while core inflation remains near 4% and wholesale inflation climbed to 9.87%.

The RBI has implemented measures such as scrapping capital-gains tax for foreign holders of Indian government bonds and enhancing dollar deposit schemes for non-resident Indians.

What Happens Next

01The RBI's Monetary Policy Committee will announce its decision on Wednesday.
02Markets will monitor the RBI's communication for any shift in tone regarding future policy actions.
03Sustained uptick in inflation and rising inflation expectations could reduce the RBI's flexibility for holding rates.

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How It Developed

India's central bank is expected to keep interest rates unchanged this week.
Central banks in Europe, Australia, Indonesia, the Philippines, Singapore, South Korea, and South Africa have raised rates since the U.S.-Israeli war on Iran began.
The Federal Reserve and Bank of Japan have kept rates on hold.
of 72 economists polled by Reuters predicted the RBI's Monetary Policy Committee would hold rates steady.
Retail inflation accelerated to 4.38% in June, above the RBI's 4% target.
Core inflation remains contained near 4%.
Wholesale inflation climbed to 9.87% in June.
Interest-rate swap markets are pricing roughly 75 basis points of rate hikes over the next 12 months.

Sources

T1
India central bank to stay on hold even as peers pivot to rate hikesReuters

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