Banks like Union Bank and ICICI are already forecasting a 75-basis-point hike, pushing the repo rate to 6%. Why? Inflation’s creeping up, oil prices are stubborn, and the monsoon’s been weak. Even if you’re not borrowing now, this matters; because savings, loans, and even job costs could feel the heat. The real story? It’s not just about rates; it’s about how your money behaves in a tightening economy. Smart moves now could save you later.