What is the meaning of reverse repo rate?

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SSC MTS (2022) Official Paper (Held On: 11 May, 2023 Shift 2)
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  1. Rate at which RBI borrows money from foreign banks 
  2. Rate at which RBI borrows money from commercial banks  
  3. Rate at which commercial banks borrows money from RBI  
  4. Rate at which commercial banks borrows money from foreign banks 

Answer (Detailed Solution Below)

Option 2 : Rate at which RBI borrows money from commercial banks  
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SSC MTS 2024 Official Paper (Held On: 01 Oct, 2024 Shift 1)
90 Qs. 150 Marks 90 Mins

Detailed Solution

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The correct answer is Rate at which RBI borrows money from commercial banks.Key Points

  • Reverse repo rate:
    • It is the rate at which the Reserve Bank of India (RBI) borrows money from commercial banks.
    • It is a tool used by RBI to control the money supply in the economy.
    • Repo rate is usually higher than the Reverse  repo rate.
    • A higher reverse repo rate means commercial banks will earn higher returns by lending to RBI, leading to a decrease in lending to customers and a decrease in money supply in the economy.

Additional Information

  • Option 1 is incorrect as RBI does not borrow from foreign banks, it only lends to them.
  • Option 3 is the repo rate, not the reverse repo rate.
  • Option 4 is incorrect as commercial banks borrow from RBI, not foreign banks.
  • Reverse repo rate is an important tool in monetary policy as it helps RBI control inflation and maintain economic stability.

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