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As we have understood Repo rate is the interest rate at which RBI lends and Reverse Repo rate is the interest rate which a bank will get for parking its money with RBI against Govt. security. Now in this scenario, Reverse Repo rate will always be less than the Repo rate. Difference Between Bank Rate and Repo Rate. The repo rate is generally lower than the bank rate. The present repo rate and the bank rate is 5.15% and 5.65%, respectively. Repo rate is charged when the commercial banks repurchase the RBI-approved securities sold to the Reserve Bank of India.

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