The year 2025 is proving to be lucky for the common man. First the common man got tax exemption on income of 12 lakhs in the budget and now the Reserve Bank has cut the repo rate. This big decision of the government and RBI will affect the spending of the common man. After the tax exemption, now the middle class will have more money left. In such a situation, what can he do with this remaining money or where can he spend this money, let's know…

The common man has got the biggest benefit of the reduction in repo rate and tax exemption. This will reduce the burden on the pockets of the people. Now there will be more savings in their income and they will also be able to spend more.

Where can you spend money?

Investment in gold can increase - Investment in gold has always been considered a safe haven. In such a situation, due to more savings in tax exemption, the investment of the common man in gold will increase. People will invest more money in buying gold.

Investment can increase in SIP- If a person whose salary now saves 20 thousand rupees after tax exemption, then you can invest it in SIP in the market. By investing in SIP, you can create a huge fund in a short time. If you invest 20 thousand for 20 years and you get an annual return of 15 percent on it, then you can get a fund of crores after 20 years.

If you invest 20 thousand for 20 years, then your investment amount will become 48 lakhs in 20 years. If you calculate the annual interest on this investment, you can get a return of Rs 2 crore 55 lakhs. You will get a total return of Rs 3,03,19,099 after 20 years.

You will get this benefit from the cut in the repo rate

If you want to take a loan to fulfill your dreams, then RBI's decision can make your work easier. Due to reduction in repo rate, banks will get money at lower interest rate and banks will be able to give more loans to customers. You can fulfill your dreams by getting loan easily.

Experts believe that due to low interest rate on personal loan and credit card, people can spend more on electronic things like smartphones, laptops and TV. Apart from this, due to low EMI, the demand for houses will also increase.

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