RBI's ₹2 Lakh Crore Liquidity Plan: Impact on Market & 2026 Outlook | CA Rachana Ranade

"I feel that yes, it is not going to be as bad as 2025. Uh I know we we have almost touched the previous high but our portfolio is not up there. uh I feel that there's a great chance that maybe first half of 2026 may not be that I mean of course depends on the budget if if budget is really good we can start seeing the numbers so it all the the triggers will start from January that are we able to see some good quarterly results that that would be the number one trigger in 2026 the number two trigger would be the budget which will tell us the overall direction mood of the market."

"RBI announces measures to manage liquidity conditions. On a review of current liquidity and financial condition, the RBI has decided to conduct the following operations to inject liquidity into the banking system."

"So, Acha for those who are like probably don't understand what do we mean by injecting liquidity. Basically this will ensure that money becomes easily available. Okay. Why? Because banks get a lot of liquidity, get a lot of money which they then would pass on as comparatively easier loans, easier lending to people like you and me to uh corporates who are wanting to take a loan."

"So, open market operation purchase auctions of government of India securities for an aggregate amount of 2 lakh cr rupees in four branches of 50,000 cr each. When are they going to do that? 29th December 5th of January January 12th and January 22nd."

"So basically what will happen is that lending will be kind of easy for corporates for individuals those who want to get a loan it is going to be easier for them and that is how what will happen is that the overall liquidity in the economy in the system itself will increase."

"So bring in more inflation at the cost of good growth. So typically whenever growth is going to be on a higher side, inflation will also kick in. But right now we are at a very good position, inflation is at a lower level and that is the reason why banks are okay with that little bit of inflation increase but yes we will see a higher growth."

"USD INR buy sell swap option of USD $10 billion for a tenor of 3 years to be held on 13th of January 2026."

"IM RBI. If I sell US dollars so that I can buy USD, will rupee depreciate? Yes or no answer. I am RBI. I want US dollars. To buy US dollars, I'll have to sell Indian rupees. If I sell Indian rupee and if I buy US dollar, will rupee depreciate?"

"So IM RBI your banks I'll give my INR to you all I will take US dollars that you have. I'll take that with me. Okay? With a promise. With a promise that 3 years later, I'll give back the US dollars and you give back the money. That's a swap."

"With this, what will happen is that I as RBI, I as the banker's bank, I as the government's bank, I will have more US dollar reserves with me. I'll have more USD with me just in case if I need them, I'll have it with me. Okay? If I need them. But very important as banks you will get more liquidity again which can be given to maybe retailers or corporates those who want as loans."

"and this can boost the overall demand this can boost the overall economy as"