UPSC MainsECONOMICS-PAPER-I201420 Marks
Q9.

Explain with appropriate assumptions, the determination of equilibrium income and interest rate in a Keynesian model of goods and money markets, through diagrams.

How to Approach

This question requires a demonstration of understanding of the IS-LM model, a cornerstone of Keynesian economics. The answer should begin by briefly explaining the core assumptions of the model. Then, it should detail the determination of equilibrium in both the goods market (IS curve) and the money market (LM curve). Crucially, the answer must illustrate these concepts with well-labeled diagrams. Finally, the intersection of the IS and LM curves should be explained as the point of equilibrium, determining both income and interest rates. A clear, step-by-step explanation is key.

Model Answer

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Introduction

The Keynesian model, developed by John Maynard Keynes in response to the Great Depression, provides a framework for understanding fluctuations in national income and employment. At its heart lies the interaction between the goods market and the money market, represented by the IS-LM model. This model assumes that aggregate demand is the primary driver of output in the short run, and that prices are sticky, preventing markets from clearing instantaneously. Understanding the determination of equilibrium income and interest rate within this framework is crucial for analyzing macroeconomic policies and their impact on the economy. This answer will explain this determination with appropriate assumptions and diagrams.

Key Assumptions of the IS-LM Model

The IS-LM model operates on several key assumptions:

  • Closed Economy: The model assumes a closed economy, meaning no international trade or capital flows.
  • Fixed Prices: Prices are assumed to be fixed in the short run. This is a crucial departure from classical economics.
  • Two Sectors: The economy is simplified to consist of only two sectors: households and firms.
  • Government Intervention: The model allows for government intervention through fiscal and monetary policy.

The IS Curve: Goods Market Equilibrium

The IS (Investment-Saving) curve represents the locus of all combinations of income (Y) and interest rate (r) at which the goods market is in equilibrium. Goods market equilibrium occurs when aggregate expenditure (AE) equals aggregate output (Y).

AE = C + I + G, where:

  • C = Consumption (dependent on disposable income)
  • I = Investment (inversely related to the interest rate)
  • G = Government Expenditure (assumed to be exogenous)

A higher interest rate reduces investment, leading to lower aggregate expenditure and thus lower equilibrium income. This inverse relationship is depicted by the downward-sloping IS curve.

IS Curve

Figure 1: The IS Curve

The LM Curve: Money Market Equilibrium

The LM (Liquidity Preference-Money Supply) curve represents the locus of all combinations of income (Y) and interest rate (r) at which the money market is in equilibrium. Money market equilibrium occurs when the demand for money equals the supply of money.

Money Demand (L) is positively related to income (Y) and negatively related to the interest rate (r).

Money Supply (M) is assumed to be fixed by the central bank.

A higher income increases the demand for money, leading to a higher equilibrium interest rate. This positive relationship is depicted by the upward-sloping LM curve.

LM Curve

Figure 2: The LM Curve

Determination of Equilibrium Income and Interest Rate

The equilibrium income and interest rate are determined at the intersection of the IS and LM curves. At this point, both the goods market and the money market are simultaneously in equilibrium.

IS-LM Equilibrium

Figure 3: IS-LM Equilibrium

In Figure 3, the intersection of the IS and LM curves determines the equilibrium income level Y* and the equilibrium interest rate r*.

Fiscal Policy Impact: An increase in government spending (G) shifts the IS curve to the right, leading to higher equilibrium income and a higher equilibrium interest rate.

Monetary Policy Impact: An increase in the money supply (M) shifts the LM curve to the right, leading to higher equilibrium income and a lower equilibrium interest rate.

Limitations of the IS-LM Model

While a powerful tool, the IS-LM model has limitations:

  • It assumes fixed prices, which is not always realistic.
  • It is a short-run model and does not address long-run growth.
  • It simplifies the economy by assuming only two sectors.

Conclusion

The IS-LM model provides a valuable framework for understanding the interaction between the goods and money markets and the determination of equilibrium income and interest rates. By analyzing the shifts in the IS and LM curves, policymakers can assess the impact of fiscal and monetary policies on the economy. While the model has limitations, it remains a fundamental tool in macroeconomic analysis, offering insights into short-run economic fluctuations and policy interventions. Further refinements, such as incorporating expectations and open economy considerations, have led to more sophisticated macroeconomic models.

Answer Length

This is a comprehensive model answer for learning purposes and may exceed the word limit. In the exam, always adhere to the prescribed word count.

Additional Resources

Key Definitions

Aggregate Expenditure (AE)
The total amount of spending in an economy, comprising consumption, investment, government spending, and net exports (in an open economy).
Liquidity Trap
A situation in which monetary policy becomes ineffective because interest rates are already near zero, and further reductions fail to stimulate aggregate demand.

Key Statistics

India's fiscal deficit was 5.9% of GDP in FY23 (Provisional), according to the Controller General of Accounts.

Source: Controller General of Accounts, Government of India (2023)

The Reserve Bank of India (RBI) reduced the repo rate by a cumulative 135 basis points in 2019-20 to stimulate economic growth.

Source: Reserve Bank of India (2020)

Examples

Impact of COVID-19 Pandemic

During the COVID-19 pandemic, governments worldwide implemented expansionary fiscal policies (increased government spending and reduced taxes) to counter the economic downturn. This led to a shift in the IS curve to the right, aiming to boost aggregate demand and prevent a deeper recession.

Frequently Asked Questions

What happens if the IS and LM curves are parallel and shift simultaneously?

The impact on equilibrium income depends on the relative magnitude of the shifts. If both curves shift to the right by the same amount, income will increase, but the interest rate will remain unchanged. If the IS curve shifts more than the LM curve, income and interest rates will both increase.