Interest Rate cut: Who gets benefitted and who gets hurt?

We are awaiting another monetary policy announcement tomorrow. Once again there is a clamour from Industry that the interest rates should be cut. A reduction in interest rates helps those industries which are big and well established. Small and Medium Enterprises still continue to pay high amount because in the judgment of their bankers, giving them loan is risky. The losers are depositors. Particularly those who depend on interest income for meeting their monthly expenditure. A large number of them are old and retired persons who do not get pension. You may remember that percentage of people who get pension in India is really very small. Unfortunately these senior citizens do not have an association to fight for increasing the interest rate. Silent majority. Finance Minster ji. Please listen to this silent majority.