Infation, Bank rate cuts & prime landing rate cute are not corrosponding to eah other. Not refecting true picture of economy

Over a period in post recession period RBI has slashed bank, repo & reverse repo rates to almost 2006 level while prime landing rates have been kept intact. Which directly affects general public. What ever rate cut announced is benefiting to the banks. But that has not been pass on to consumers. If PLR cut will be there banks will be supposed to cut rate. Also many banks have announced rate cut in new loans but why discriminatory treatment to existing borrowers who are instrumental in keeping economy going on healthy. If this kind of treatment will be continued for longer period it will have negative impact on recovery & repayment count. Which will have direct negative impact on economy. My another point is inflation rat shown to near 0 level while if compared with consumer goods people are supposed to borrow day to day to meet every day expenditure are not proportionately reduced. Thus reduction in inflation seems nothing but an eyewash. unless & until inflation & consumer goods have corresponding effect economy is not going to reflect true picture.