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NEW DELHI: The Reserve Bank of India ( RBI ) governor Shaktikanta Das told TOI recently that in the past six months the central bank has cut interest rates effectively by 100 basis points (1 percentage point).However, only 21 basis points (bps) cut has been passed on to the new borrowers. Where has the remaining 79 bps cut gone? Are banks making a neat profit by not passing on the lower interest rates to both individual and corporate borrowers?