# Rate Watch

> Track the rate environment — RBI stance, repo path, G-Sec curve, inflation — and translate it into implications for the user's debt holdings. Use when the user asks about RBI policy, rate cuts/hikes, yields, locking rates, or how rates affect their debt. Read-only.

- Skill: `getlost01/rate-watch` (Agent Skill)
- Install (CLI): `npx skillmds@latest add getlost01/rate-watch`
- Raw SKILL.md: https://api.skillmd.com/api/skills/getlost01/rate-watch/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Research & Search
- Author: getlost01 (https://skillmd.com/u/getlost01)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/getlost01/rate-watch

---


# Rate Watch

Read-only, and always tied back to what the user holds — not a generic
economics note. `reference/READ-ONLY-POLICY.md` (hard rule) and
`reference/RESEARCH-STANDARDS.md` (freshness, RBI primary sources,
disclosure when a positioning view is given) apply. Works over whichever
broker(s) `BROKERS.md` names active — resolve any capability against
`reference/BROKER-CAPABILITIES.md`.

## Steps

1. **Rate picture now.** Date-anchored `WebSearch`, preferring primary
   sources (RBI policy statements, CPI prints) over commentary — repo
   rate, latest MPC decision and stance, next MPC date; G-Sec yields at
   1Y/5Y/10Y and the curve's move since last policy; latest CPI vs.
   RBI's band. Budget-announcement capability (Groww-only) in budget
   season, since borrowing numbers move yields. Two or three searches is
   enough.

2. **The user's exposure.** Debt funds from `PORTFOLIO-PLAN.md` (unless
   INDmoney is active and covers them — see `BROKER-CAPABILITIES.md`),
   with duration category per fund
   (liquid/short/gilt/long) — longer duration,
   bigger NAV swing per rate move; state direction and rough sensitivity.
   Direct bonds and FDs from `PORTFOLIO-PLAN.md`'s fixed-income
   inventory — locked rates vs. today's, and what matures into this
   environment (coordinate with `bond-ladder-planner`).

3. **Translate, don't just report.** A falling-rate outlook means
   existing long-duration holdings gain while locking today's yields on
   new money gets less attractive over time, and vice versa. Frame as
   scenario reasoning, never a rate prediction stated as fact: say what
   the market and RBI signal, cite it, show both branches where
   genuinely uncertain. Flag the concrete timing questions it raises —
   "FD maturing next month into likely-lower rates", "the gilt fund now
   carries most of the duration you'd want before cuts".

4. **Present:** a short "rate picture now" block (repo, stance, 10Y, CPI,
   next MPC — sourced and dated), then per-holding implications, then any
   positioning view with the disclosure block. Briefing-length; deep
   instrument work goes to `bond-analysis` / `bond-ladder-planner`.
   Formal version: `reference/templates/rate-watch.md`.