Goldman Sachs’ Kamakshya Trivedi says the rupee will likely hover around 96-97 in the next year. More interesting? If the US Fed hikes, RBI may raise rates by 50 bps; a move that could ripple through EMIs, FD returns, and even government job aspirants’ savings. Why does this matter to you? Because if your fixed deposit matures or you’re planning to take a home loan next year, this quiet rate talk could decide your cash flow. And if you’re saving for a UPSC or SSC exam, inflation + rate hikes = higher cost of living. The big picture? India’s growth story still attracts money; but only if oil cools and global shocks fade. For now, it’s a waiting game. Stay alert, not panicked.