DECODE THE MONTH

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  CBS LINE

Volume 4(6)

🏛️ ECONOMIC POLICY

    🏦 RBI holds repo at 5.25% – third straight pause

    📉 FY27 growth cut: 6.9% → 6.6% | Inflation raised: 4.6% → 5.1%

    👑 Gold base import price hiked again – 2nd hike in 2 months

    🛂 Silver imports now "restricted" – government licence required

    💎 RBI gold reserves hit $114.58B– up $1.98B weekly

    👉 Do this: Hold off on gold buying. Silver importers: get licences now.

💳 FINTECH

    📱 NeoMoney digital lending platform launched – on Google Play Store

    🏦 Data-based lending is coming – loans on GST flows, not collateral

    🚀 GIFT City opens 2nd fintech cohort – applications open till July 5

    👉 Do this: Small biz owners, clean up your GST data – it's your new credit score

🌍 INTERNATIONAL ECONOMICS

    🕊️ Hormuz reopens – US-Iran peace deal brings relief

    ⛽ Freight costs to moderate – but mines & security risks linger

    🛢 Russian oil imports at record high – 53.5% of June imports

    🛢️ Refiners sitting on 2 months of crude – no rush to return to West Asia

    👉 Do this: Exporters, expect costs to ease. Importers, stay diversified – don't rely on one source.

📊 MACRO UPDATE

    📈 FY26 GDP grew 7.7% – Q4 at 7.8%

    📊 WPI surges to 9.7% in May – driven by oil & gas

    💸 Rupee at 94.35/$ – FIIs sold ₹2.52L crore in 2026

    📉 Trade deficit at $28.2B – 2nd consecutive month

    💼 Jobs under pressure – opposition flags youth unemployment

    🌧️ El Niño risks – monsoon uncertainty could push food inflation

    👉 Do this: Kill credit card debt. Lock home loan rates. Budget for higher food & fuel bills this summer.

Roshni Thayyil

Msc Econometrics and Financial Technology

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