This is the economic situation of country. Common man not capable of borrowing at 4% which is lowest in the history of India. Banks flooded with cash. SBI give 6% interest on deposit. Remaining are within 6 to 6.75% on deposit. Still people are placing FD because in the market you can not earn more than 7% in your investment. Still comodity ie vegetables, grains,wheat, oil are very expensive.Such a confused economy difficult to understand at least by common people.