Why? Because higher repo rates mean pricier EMIs, tighter credit, and slower hiring. Analysts say inflation + oil prices > 107 USD/barrel = rate hike inevitable. SBI, Kotak, Emkay all agree; cuts are off the table. And with food inflation already at 5.95%, RBI’s 6% target looks shaky. If you’re prepping for SSC, UPSC, or banking exams; know this: your loan EMI could jump. Also, higher rates = less govt spending = slower job creation. So while you’re solving mock papers, the economy’s quietly shifting under you. Stay aware. Stay ahead.