Economists are embracing models that suggest that only some savers lose out but a chunk of them gain through higher economic activity. RBI Executive Director Mridul Saggar says that the argument lower rates hurt savers across the board doesn't hold water.
source https://economictimes.indiatimes.com/industry/banking/finance/banking/fixed-deposit-returns-may-not-rise-in-near-future/articleshow/83717254.cms
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