भारतीय रिजर्व बैंक की मौद्रिक नीति समिति की बैठक: जून 2024

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प्रमुख निर्णय और निष्कर्ष

भारतीय रिजर्व बैंक (RBI) की मौद्रिक नीति समिति (MPC) ने जून 2024 की बैठक में रेपो दर को 6.5% पर अपरिवर्तित रखने का निर्णय लिया है। इस निर्णय का उद्देश्य मुद्रास्फीति को लक्षित स्तर पर बनाए रखते हुए आर्थिक वृद्धि को प्रोत्साहित करना है।

मुद्रास्फीति और जीडीपी पूर्वानुमान

RBI ने वित्तीय वर्ष 2024-25 के लिए मुद्रास्फीति का अनुमान 4.5% रखा है, जबकि चालू वित्तीय वर्ष 2023-24 के लिए यह अनुमान 5.4% पर स्थिर रखा गया है। GDP वृद्धि का अनुमान वित्तीय वर्ष 2023-24 के लिए 6.5% पर रखा गया है, जिसमें पहली तिमाही में 8%, दूसरी तिमाही में 6.5%, तीसरी तिमाही में 6%, और चौथी तिमाही में 5.7% की वृद्धि का अनुमान है।

मौद्रिक नीति के अन्य महत्वपूर्ण निर्णय

  1. रेपो दर और अन्य दरें: रेपो दर को 6.5% पर, स्थायी जमा सुविधा (SDF) दर को 6.25% पर, और बैंक दर को 6.75% पर स्थिर रखा गया है।
  2. सभी ऋणों के लिए मुख्य तथ्य विवरण (KFS): RBI ने सभी खुदरा और MSME ऋणों के लिए KFS की आवश्यकता को अनिवार्य कर दिया है, जिससे ऋण समझौतों में पारदर्शिता बढ़ेगी और छिपी हुई लागतें सामने आएंगी।
  3. रुपे प्रीपेड फॉरेक्स कार्ड: बैंकों को अब रुपे प्रीपेड फॉरेक्स कार्ड जारी करने की अनुमति दी गई है, जिससे विदेशी मुद्रा में लेन-देन आसान होगा।
  4. ई-रुपे वाउचर: गैर-बैंक कंपनियों को ई-रुपे वाउचर जारी करने की अनुमति दी गई है, जिससे डिजिटल भुगतान का दायरा बढ़ेगा।

विशेष पहलें

  1. गवर्नमेंट सिक्योरिटीज में खुदरा निवेशक भागीदारी: RBI ने खुदरा निवेशकों को गवर्नमेंट सिक्योरिटीज में भाग लेने के लिए एक मोबाइल ऐप लॉन्च करने की घोषणा की है।
  2. सोवरेन ग्रीन बॉन्ड्स: RBI ने गुजरात के इंटरनेशनल फाइनेंशियल सर्विसेज सेंटर (IFSC) में सोवरेन ग्रीन बॉन्ड्स में निवेश और व्यापार की अनुमति देने का निर्णय लिया है।

बाजार और आर्थिक प्रतिक्रिया

इस निर्णय के बाद भारतीय बाजारों में सकारात्मक प्रतिक्रिया देखी गई, विशेष रूप से बैंकों, वित्तीय सेवाओं, धातुओं और उपभोक्ता वस्तुओं में वृद्धि हुई। विशेषज्ञों का मानना है कि यह निर्णय दीर्घकालिक वित्तीय स्थिरता को सुनिश्चित करने के लिए RBI की सतर्कता को दर्शाता है।

निष्कर्ष

RBI की जून 2024 की मौद्रिक नीति समिति की बैठक में लिए गए निर्णय भारतीय अर्थव्यवस्था की स्थिरता और वृद्धि को बनाए रखने के लिए महत्वपूर्ण हैं। रेपो दर को स्थिर रखने और पारदर्शिता बढ़ाने के लिए किए गए उपायों से वित्तीय क्षेत्र में विश्वास बढ़ेगा और आम जनता को लाभ होगा। इन नीतियों का उद्देश्य न केवल मुद्रास्फीति को नियंत्रित करना है, बल्कि आर्थिक विकास को भी प्रोत्साहित करना है।

इस प्रकार, RBI की मौद्रिक नीति समिति की बैठक ने कई महत्वपूर्ण पहलुओं पर ध्यान केंद्रित किया है, जिससे भारतीय अर्थव्यवस्था की स्थिरता और वृद्धि में मदद मिलेगी।

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  1. 5
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    References:

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  2. 6
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    References:

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