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![krishnakhanna Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::70897812.png) kkonline.org [@krishnakhanna](/creator/twitter/krishnakhanna) on x 13.1K followers
Created: 2025-07-21 06:47:53 UTC

This is because a lower repo rate reduces banks' cost of funds, leading them to lower both lending and deposit rates.

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2/
💡 How it works:
Repo rate ↓ → Banks' borrowing cost ↓ → Lending rates ↓
To maintain margin, FD rates also drop.


XX engagements

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**Related Topics**
[lending](/topic/lending)

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