Despite the Reserve Bank of India’s (RBI) repo rate cuts, deposit rates in India continue to remain high, which is impacting banks’ cost of funds. Although this is beneficial for home loan borrowers, depositors are experiencing limited gains due to investor shifts and liquidity pressures. Financial experts are predicting additional repo rate cuts in the future; however, the transmission of these cuts to deposit rates is expected to be gradual. This transmission process will be influenced by various factors such as banks’ liquidity coverage and the RBI’s policy stance. The current scenario highlights the complexity of the interest rate environment in India and the challenges faced by both borrowers and depositors. Stay updated with the latest developments in the Indian financial market to make informed decisions regarding your investments and loans.