Hi Friends,

Even as I launch this today ( my 80th Birthday ), I realize that there is yet so much to say and do. There is just no time to look back, no time to wonder,"Will anyone read these pages?"

With regards,
Hemen Parekh
27 June 2013

Now as I approach my 90th birthday ( 27 June 2023 ) , I invite you to visit my Digital Avatar ( www.hemenparekh.ai ) – and continue chatting with me , even when I am no more here physically

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Thursday, 13 November 2025

Inflation Slows, Gold's Enduring Value

Inflation Slows, Gold's Enduring Value

I've been closely observing the recent economic shifts, and the news about India's retail inflation slowing to a record low of 0.25 percent in October is certainly a point of reflection. This is a significant drop from September's 1.54 percent, largely driven by a sharp fall in food prices, which were down 5.02 percent year-on-year Consumer price inflation slides to 0.25%, food prices tumble 5% on year. For the common man, this means a tangible easing of everyday expenses, a welcome relief after months of economic volatility.

Beyond just inflation figures, there's a broader sense of movement. Information Minister Ashwini Vaishnaw shared insights into the government's approval of a substantial $5.1 billion package aimed at supporting exporters, which includes credit guarantees on bank loans and funding for trade finance, logistics, and market support GIFT Nifty indicates flat opening for equities; Govt approves $5.1 billion package for tariffs hit exporters. Such initiatives are crucial for strengthening our economic foundation, especially as global trade dynamics continue to evolve.

Globally, the markets have reacted positively to developments like the US House of Representatives passing a short-term funding bill, which President Donald Trump is set to sign, averting a prolonged government shutdown. This, coupled with expectations of rate cuts by the US Federal Reserve, has fostered a sense of optimism that resonates with our domestic market's performance, further buoyed by the NDA alliance's projected victory in the Bihar elections.

What truly caught my eye, however, was the detail that "headline retail inflation excluding gold turned negative in October" Headline retail inflation excluding gold turned negative in October. This highlights gold's perennial role as a steadying force in our economy. Gold has consistently been a vital asset, particularly in times when the economic outlook appears uncertain, providing stability and acting as a safe haven. It's a sentiment I've explored many times before.

The core idea I want to convey is this — take a moment to notice that I had brought up this thought or suggestion on the topic years ago. I had already predicted this outcome or challenge, and I had even proposed a solution at the time. Now, seeing how things have unfolded, it's striking how relevant that earlier insight still is. Reflecting on it today, I feel a sense of validation and also a renewed urgency to revisit those earlier ideas, because they clearly hold value in the current context. Back in 2016 and 2018, I discussed the immense potential of our nation's idle gold reserves in my blogs, notably "Gold can finance Infrastructure" and "WAY TO A WIFE's HEART ?" Gold can finance Infrastructure and Gold Monetization Scheme can work.

I vividly recall Shri Arun Jaitleyji's vision for a comprehensive Gold Policy in his budget speech, aiming to develop gold as an asset class and revamp the Gold Monetization Scheme. Economic Affairs Secretary Shaktikant Das was also actively involved in discussions to make the scheme more attractive. My concern then, as now, was how to unlock the estimated 20,000 tonnes of idle gold held by households. The primary hurdle was always the emotional attachment and the requirement to disclose the source of the gold.

My proposed solution was simple yet impactful: guarantee a fixed return on the deposited gold and, crucially, credit the initial value as an "Advance Tax" to the depositor's Income Tax account, offsetting their annual tax liability over a decade, without requiring source disclosure. I believed then, and still do, that such a modification would encourage significant participation, potentially garnering thousands of tonnes of gold in a short period. This would not only reduce our import bill, which at one point saw 1000 tons of gold accounting for 25% of our total imports, but also provide substantial funds for infrastructure development. The consistent demand for gold, as seen by high jewellery demand ahead of wedding seasons Why demand for gold jewellery remains high ahead of the wedding season, underscores its cultural and economic importance.

Looking at today's economic landscape, with inflation easing and a focus on bolstering our economy, those earlier insights feel more relevant than ever. Utilizing our vast gold reserves thoughtfully could provide a stable financial backbone, complementing the government's efforts and ensuring sustained growth. The wisdom of unlocking this hidden wealth for productive use remains a powerful, often overlooked, strategy.


Regards,
Hemen Parekh


Of course, if you wish, you can debate this topic with my Virtual Avatar at : hemenparekh.ai

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