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India’s economy is showing strength while the world markets shake. Global bonds are falling, but Indian bonds are holding steady-thanks to the RBI’s smart moves and promise of liquidity. At the same time, Trump’s new tariffs could hurt India’s exports, and the RBI is warning about the risks. Can local demand keep India growing?

Let’s break it all down!

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Today’s Market Menu

• Focal Point: RBI Cuts Interest Rates to Boost India’s Economy

• Markets

• Everything else you need to know today

• Special: How RBI’s Rate Cut Can Lower Your EMIs

• Psychology: 9 Life Lessons Most People Learn Too Late

• Supercharge your Investing Skills with this Video

• Stock Screener to up your game

FOCAL POINT

RBI Cuts Interest Rates to Boost India’s Economy

The Reserve Bank of India (RBI) has cut the repo rate by 25 basis points to 6%, taking a clear step to boost economic growth. With inflation staying low and signs of stronger GDP ahead, the RBI is shifting gears to support the economy. Alongside this, it’s also rolling out new rules for digital payments and financial services to keep things smooth and secure.

📉 RBI Slashes Rates, Shifts Gears to Boost Growth: In a decisive move, the RBI cut the repo rate by 25 bps to 6%, signaling a fresh "accommodative" stance. All six MPC members backed the shift, spotlighting the central bank’s balancing act: tame inflation while steering the economy toward stable, non-inflationary growth. With inflation below target and growth still warming up, the door is now open for further easing-unless global shocks crash the party.

📊 A Softer Inflation, Stronger GDP? That’s the Bet: The RBI is betting on CPI inflation cooling to 3.9% in Q2 FY26, with the full-year pegged at 4%. Meanwhile, GDP growth is forecasted to hum along at 6.5–6.7%. Investment is heating up, urban consumers are back at the checkout counter, and food prices may ease the pressure. Still, one wildcard looms: weather. Could climate curveballs derail this calm?

🌐 Global Turbulence Could Shake India’s Trade Winds: From rising tariffs to currency wars, the global tide is getting choppier. The RBI warns that a mere 5% Rupee depreciation could spike inflation and shake exports. India’s edge? A relative tariff advantage and strong remittance flows. But as protectionism grows louder, RBI isn’t ruling out ripples hitting capital flows-and GDP.

💰 Banks Steady, Liquidity Ready: Behind the scenes, the RBI is quietly reassuring markets: Indian banks and NBFCs are financially sound. Liquidity tools remain in the toolbox, ready for deployment. Strong FDI inflows and surplus services income are helping balance the trade deficit-a financial cushion amid global flux.

📜 Big Changes Ahead: Gold Loans, UPI Limits, and More Brace for sweeping regulatory upgrades. From securitizing stressed assets to gold-backed loans, the RBI is drawing clear lines. The NPCI is getting the green light to set merchant-side UPI limits, while person-to-person transactions stay untouched. A move that signals tighter oversight, but with digital fluidity still intact.

MARKETS

Indian stock markets experienced a broad-based decline across major indices, with SENSEX, NIFTY 50, NIFTY BANK, and NIFTY Midcap 100 all ending the session in the red. The drop, ranging between 0.51% to 0.61%, signals investor caution, possibly influenced by global market trends, sectoral pressure, or macroeconomic concerns. The bearish sentiment suggests a temporary pullback, highlighting the need for cautious portfolio positioning in the short term.

_{Closing figures as on 09.04.25 (3.30pm IST)}

🔎 In Focus

Sectorial Performance:

✅ Top Gainers-Market Shines in FMCG & Healthcare

🥇 Nestle India leads the rally, surging +3.05% with strong volume support.
🧼 HUL adds +2.65%, driven by renewed interest in defensive FMCG plays.
🍽️ TATA Consumer Products jumps +1.87%, hinting at bullish sentiment in consumer staples.
⌚ Titan Company climbs +1.66%, benefiting from retail demand optimism.
⚡ Power Grid Corp moves up +1.54%, backed by stability-focused investors.
🏥 Apollo Hospitals gains +1.16%, riding on healthcare momentum.
🧱 UltraTech Cement rises +1.12%, as infra and capex plays find favour.

🔻Top Losers-IT, BFSI & Infra Under Pressure

🖥️ Wipro tumbles -4.29%, likely due to global IT sector sentiment.
🏦 SBI drops -3.43%, reflecting weakness in PSU banking stocks.
🏗️ Larsen & Toubro falls -3.38%, dragged by infra volatility.
💻 Tech Mahindra slips -3.17%, echoing broader tech sector sell-off.
🛍️ Trent loses -3.08%, amid profit booking in retail.
💰 Shriram Finance declines -2.63%, hit by NBFC sector sentiment.
🔩 Tata Steel sheds -2.38%, possibly on commodity cooling concerns.

NIFTY 500: Liquidity Lift 🚀

FROM THE FRONTIER

Everything else you need to know today 

📈 Indian Bonds Buck Global Selloff Trend: While global bond markets are reeling, India’s bonds are holding firm-thanks to the RBI’s steady hand and liquidity promises. It’s a rare case of monetary policy anchoring optimism while the rest of the world panics. Could this be a turning point for emerging-market debt?

🌍 Trump's Tariffs Spell Trouble for India's Growth Engine: RBI Governor Shaktikanta Das isn’t mincing words: Trump’s sweeping new tariffs could throw a wrench in India’s export-led growth. With global demand shaky and trade costs rising, the question now is-can domestic demand carry the weight?

🔥 Global Trade War Reloaded? Trump’s New Tariffs Raise the Stakes: Trump’s latest tariff barrage is shaking markets and reigniting fears of a full-blown trade war. From China to Europe, retaliation is brewing-fast. As the tit-for-tat escalates, startups and supply chains across Asia could face serious whiplash.

🧱 China Pushes Back: “No to US Bullying” in Bold White Paper Move: In a sharp counter, China has laid out its stance: open to dialogue, but won’t bow to pressure. The newly issued white paper calls out Washington’s tactics-raising fresh doubts over global trade peace anytime soon.

✈️ India Clears ₹63,000 Cr Rafale Deal to Boost Naval Power India just greenlit a massive ₹63,000 crore deal to buy 26 Rafael Marine jets from France-marking a major leap in defense tech and maritime muscle. For startups in aerospace and manufacturing, this could open up powerful new partnership lanes.

💰 Gold Glitters Again as Tariff Tensions Spark Recession Fears: As Trump’s tariffs stoke market nerves, gold is on the rise-again. MCX gold prices are rallying as investors seek shelter from the storm. Should you buy into the glitter, or is this another short-lived surge?

🌐 Dubai Woos Indian Startups with Low-Tariff Gateway to Global Growth: Dubai is rolling out the red carpet for Indian companies, positioning itself as a low-tariff launchpad into Africa and Asia. With streamlined setups and massive market access, this could be the breakout opportunity founders have been waiting for.

📝 Order Wins

✅ Garden Reach Shipbuilders secures a ₹489.98 crore contract to build two Coastal Research Vessels for the Geological Survey of India, to be delivered in 36 months.

✅ Parsvnath Film City Ltd. triumphs as the Supreme Court directs Chandigarh Administration to refund ₹47.75 crore with 8% interest for a stalled film city project.

✅ HEC Infra Projects bags a ₹15.68 crore order from Brixo Industries for 66 KV plant electrification, aiming for completion in 12 months.

SPECIAL

How RBI’s Rate Cut Can Lower Your EMIs

The Reserve Bank of India just shaved 25 basis points off the repo rate, bringing it down to 6%. That might sound like banker-speak, but for borrowers, it’s real money back in your pocket. Here's what it means for you:

🏠 Home Loan Holders, Rejoice: EMIs May Shrink

• Floating-rate home loans are directly linked to the repo rate. When the rate drops, your interest rate-and monthly EMI-often follows suit.

• Banks typically pass on rate cuts, especially if your loan is tied to the external benchmark lending rate (EBLR).

• A ₹50 lakh loan over 20 years could see a reduction of ₹700–₹800 in monthly EMI-small drop, big impact over time.

💳 Personal Loan Relief? Possibly

• Though personal loans are unsecured and come with higher interest rates, some banks do adjust them based on the repo rate too.

• Don’t expect a massive drop, but even a marginal reduction can help if you're carrying a heavy balance.

• Tip: If your current rate isn’t budging, shop around or negotiate-you might snag a better deal now.

🏘️ Housing Market Gets a Nudge

• With borrowing becoming slightly cheaper, the real estate sector could see more action, especially in urban centers.

• Developers are already offering flexible payment plans-combined with lower EMIs, this could push more buyers into the market.

🔄 Thinking of Switching Lenders?

• This rate cut might be your cue to refinance.

• Compare rates across lenders-if you're locked into a high-interest loan, a balance transfer now could save you lakhs over the life of your loan.

🤔 So, Should You Act Now?

• Ask your lender if the cut is being passed on to you-and how soon.

• Already planning a big purchase or home buy? This could be the most affordable financing window in months.

Bottom line: The RBI’s rate cut isn’t just a headline-it’s a signal. Whether you're a borrower, a buyer, or simply budgeting for the year ahead, these changes could put you in a stronger financial position. Just don’t sleep on the opportunity.?

ONEZERO-F ACADEMY

9 Life Lessons Most People Learn Too Late

Most people only realize these life-changing truths when the clock's already run out. Backed by psychology, these 9 powerful lessons will help you rethink your priorities, build deeper connections, and live with purpose-starting now.

🩺 Health is Wealth: You can’t enjoy success if your body breaks down. Most people take their health for granted-until it's gone. Prioritizing sleep, nutrition, and movement isn't optional; it's foundational.

💞 Relationships Trump Achievements: Career milestones fade, but emotional connections leave a lasting impact. Many people focus too much on status, forgetting that love and friendship are what truly sustain happiness.

⏳ Time Is Non-Renewable: You can always make more money, but never more time. Regret often stems from wasted years spent on things that don’t matter.

🚧 Failure Is Part of the Process: Fear of failing holds people back. In truth, every successful person has failedit’s how they learned, pivoted, and grew. Embrace setbacks as stepping stones.

🎯Perfection is an Illusion: Waiting for the “perfect time” or “perfect outcome” leads to missed chances. Progress is always better than perfection.

📉 Comparison Is the Thief of Joy: Constantly comparing your life to others on social media or in real life breeds discontent. Focus on your unique journey.

🧠 Your Thoughts Shape Your Reality: Negative self-talk can limit your potential. Cultivate empowering beliefs and rewire your mindset to align with your goals.

🕊️ Letting Go Is a Superpower: Whether it’s grudges, toxic people, or outdated dreams-release what no longer serves you to make room for growth.

🌞 Happiness is a Daily Practice: Joy doesn’t arrive after hitting goals. It's found in small, everyday moments-gratitude, presence, and kindness go a long way.

🌱 Why This Matters:
These life truths, grounded in psychology, remind us to be intentional with our time, values, and energy. If you internalize them early, you're not just living—you’re thriving with clarity and purpose.

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