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Day 19

Mission Surya – Day 19: Goldilocks Economy & Repo-Linked Lending

Important economic concepts including Goldilocks economy, repo-linked lending and RBI surplus.

5 March 2026

Day 19 focuses on macroeconomic conditions and financial sector regulations relevant for UPSC prelims.

Core Concepts

Goldilocks economy refers to balanced growth with moderate inflation.

Repo Linked Lending Rate links loan interest rates directly to RBI repo rate.

RBI encourages diversification of microfinance products.

Regulatory gatekeeping ensures fit-and-proper criteria for financial institutions.

RBI Surplus

• RBI transfers surplus to the central government under Section 47 of RBI Act.

• Economic Capital Framework determines surplus distribution.

Quick Revision for Prelims

  • • Goldilocks economy refers to balanced growth with moderate inflation.
  • • Repo Linked Lending Rate links loan interest rates directly to RBI repo rate.
  • • RBI encourages diversification of microfinance products.