India’s banking credit growth to remain subdued in FY2026, lowered forecast: ICRA
6 days, 21 hours ago

India’s banking credit growth to remain subdued in FY2026, lowered forecast: ICRA

Live Mint  

New Delhi, January 2 : Credit rating agency ICRA has lowered its banking credit growth estimate for FY2025 to 10.5-11.0 per cent, down from its previous forecast of 11.6-12.5 per cent. For FY2026, ICRA anticipates a further slowdown in credit growth, estimating a range of 9.7-10.3 per cent, influenced by the high CD ratio and upcoming changes in the liquidity coverage ratio framework. Sachin Sachdeva, Vice President & Sector Head - Financial Sector Ratings at ICRA, said, "The persisting high interest rates and the slowdown in credit growth would impact the margins of the banking sector. Credit costs are estimated to account for 21-23 per cent of the banking system's operating profit in FY2025 and 27-30 per cent in FY2026, compared to around 21 per cent in FY2024.

Growth Credit Cent Remain Fy2025 Ratio Npas Credit Growth Forecast Icra Fy2026  indias  credit  sector  fy2025  remain  fy2026  forecast  icra  lowered  banking  subdued  likely  growth  cent  ratio

History of this topic

NBFC loan growth to decline in FY26 to 18.5% YoY: Ind-Ra
Trending News
1 day, 14 hours ago

NBFC loan growth to decline in FY26 to 18.5% YoY: Ind-Ra

The Hindu  

India Ratings and Research which has maintained a neutral sector outlook and a Stable rating Outlook for non-bank finance companies for FY26 has projected that the loan growth of NBFCs would further decline in FY26 to 18.5% YoY. According to the rating agency the NBFCs after witnessing a phase of high reliance on the unsecured loan segment for achieving loan …

Viral fear, growth blues stalk Street
2 days, 16 hours ago

Viral fear, growth blues stalk Street

Live Mint  

Fresh virus fears rode on other weak signals to send the markets tumbling on Monday, wiping out ₹11 trillion of investor wealth in a day. News of two cases of the Chinese-origin human metapneumovirus being detected early Monday in India added a new negative to the markets already impacted by low corporate earnings and economic growth sentiment, and a local …

Complacency alert: The recent shortfall in deposits is a wake-up call for Indian banks
1 week, 3 days ago

Complacency alert: The recent shortfall in deposits is a wake-up call for Indian banks

Live Mint  

Since 1998, there have been at least six occasions when deposit growth trailed credit growth. In the previous five instances, the deposit-credit growth alignment was a result of both a rise in deposit growth and a fall in credit growth. If the banking system aspires to go back to the 14-16% deposit growth rate before 2016, it may have to …

RBI expresses optimism about Indian economy, gross NPA at 12-year low, GDP to grow at 6.6 per cent
1 week, 3 days ago

RBI expresses optimism about Indian economy, gross NPA at 12-year low, GDP to grow at 6.6 per cent

India TV News  

The Reserve Bank of India on Monday said that the bank's asset quality improved further and their gross non-performing assets or bad loans ratio declined to a 12-year low of 2.6 per cent in September 2024. "Buoyed by falling slippages, higher write-offs and steady credit demand, the gross nonperforming assets ratio of 37 scheduled commercial banks fell to a multi-year …

PSU banks to cross ₹1.5 lakh cr profit in FY’25, low deposit mobilisation concern
1 week, 6 days ago

PSU banks to cross ₹1.5 lakh cr profit in FY’25, low deposit mobilisation concern

Live Mint  

New Delhi, Dec 27 Low NPAs and double-digit credit growth are expected to drive profits of public sector banks past the ₹1.5 lakh crore milestone in 2024-25. Public lenders recorded their highest-ever aggregate net profit of ₹1.41 lakh crore in 2023-24 on the back of significant improvement in asset quality, credit growth, healthy capital adequacy ratio and rising return on …

Indian banks’ balance sheets stay robust, bad loans decline more, central bank report says
1 week, 6 days ago

Indian banks’ balance sheets stay robust, bad loans decline more, central bank report says

Live Mint  

By Siddhi Nayak MUMBAI, Dec 26 - Indian banks' financial position has stayed robust, marked by the sustained expansion in loans and deposits, while their gross bad loan ratio has dropped to multi-year lows, a central bank report showed on Thursday. Net bad loans of banks fell to 0.57% of total loans at September-end, from 0.62% at end-March, driven by …

FD rates soar: Earn up to 7.4% with DCB, IndusInd, YES, Axis and other top banks
2 weeks ago

FD rates soar: Earn up to 7.4% with DCB, IndusInd, YES, Axis and other top banks

India Today  

Fixed deposits remain a go-to choice for Indian investors seeking stability and guaranteed returns. Amid rising interest rates, both private and government banks are offering appealing rates for general citizens on deposits under Rs 3 crore, particularly for five-year tenures. TOP BANKS OFFERING COMPETITIVE RATES For five-year fixed deposits, private and government banks are offering competitive interest rates: DCB Bank …

HDFC Bank vs ICICI Bank: Which private sector lender to choose in long term?
3 weeks, 6 days ago

HDFC Bank vs ICICI Bank: Which private sector lender to choose in long term?

Live Mint  

HDFC Bank vs ICICI Bank: The private banking sector in India is dominated by two stalwarts, HDFC Bank and ICICI Bank, offering investors a blend of stability and growth potential. HDFC Bank vs ICICI Bank: A Comparative Look at Q2FY25 Earnings HDFC Bank reported a 5.3 percent year-on-year increase in standalone net profit to ₹16,821 crore in Q2FY25, compared to …

Banking reforms need to get a lot more ambitious for the economy’s sake
1 month ago

Banking reforms need to get a lot more ambitious for the economy’s sake

Live Mint  

The 19 amendments to banking laws that were passed by the Lok Sabha on Tuesday remove various niggles in extant provisions, straighten out some others and make life easier for bank customers, especially a tweak that allows four nominees per account. While more than 90% of India’s nearly 60 million MSMEs are micro sized and best served by specialized non-bank …

Banking revival in 2025: Why strong liability franchises stand to gain
1 month ago

Banking revival in 2025: Why strong liability franchises stand to gain

Live Mint  

Indian bank stocks are waiting for their moment in the sun. Read this | Private lenders see stress in credit cards, personal loans in Q2 Elevated deposit costs and sluggish base growth weighed heavily on net interest margins for both public and private banks. Public vs private banks Credit costs for private banks increased by 10 basis points sequentially, with …

Banking stocks shine ahead of RBI MPC meeting outcome; HDFC Bank, ICICI Bank, SBI among 8 top picks of experts
1 month ago

Banking stocks shine ahead of RBI MPC meeting outcome; HDFC Bank, ICICI Bank, SBI among 8 top picks of experts

Live Mint  

Several banking stocks, including HDFC Bank, ICICI Bank and SBI, traded with healthy gains on Wednesday, December 4, fuelled by hopes of supportive monetary policy from the Reserve Bank of India after recent macroeconomic data signalled a slowdown in India's growth momentum. Abhishek Pandya, a research analyst at Stoxbox, pointed out that the Nifty Bank has risen by 6 per …

India's GDP growth likely to slip at 6.5 per cent, maintains 7 per cent estimate for FY25: ICRA
1 month, 2 weeks ago

India's GDP growth likely to slip at 6.5 per cent, maintains 7 per cent estimate for FY25: ICRA

New Indian Express  

MUMBAI: Domestic rating agency ICRA on Wednesday said India's real GDP growth for the September quarter is likely to decline to 6.5 per cent due to heavy rains and weaker corporate performance. The agency, however, maintained its FY25 growth estimate at 7 per cent on expectations of a pick up in economic activity in the second half of the fiscal. …

Rising Defaults Among Retail Borrowers are Stressing India’s Top Banks
1 month, 3 weeks ago

Rising Defaults Among Retail Borrowers are Stressing India’s Top Banks

The Quint  

Given that India’s economic growth relies heavily on domestic consumption, any slowdown in lending could ripple through the broader economy, impacting sectors dependent on consumer spending. Moreover, as banks shift their focus from retail to secured loans to mitigate risks, small and medium enterprises could face reduced access to capital, hindering job creation and slowing down economic expansion. In October, …

At India’s largest bank, all eyes on premium customers
2 months ago

At India’s largest bank, all eyes on premium customers

Live Mint  

Mumbai: State Bank of India may be taking the higher road as it joins the scramble for customer funds without resorting to a rate war, but its outlook signals an extended industry struggle for deposit growth. India’s largest bank on Friday tempered its guidance on deposit growth to 10-11% from 12-13% for 2024-25 as customers might have now found more …

Balancing Regulation and Credit Flow: Crucial for Financial Stability
2 months ago

Balancing Regulation and Credit Flow: Crucial for Financial Stability

Live Mint  

The article discusses the impact of stricter provisioning norms for shadow banks and tighter regulatory curbs on loan disbursement by certain microfinance institutions (MFIs). It highlights the importance of striking a balance between regulation and credit flow to avoid negative long-term impacts on financial inclusion. The article also addresses concerns about the rising share of personal loans as a percentage …

Indian Bank Maintains FY25 Guidance, Sets Credit Growth Target of 11-13%
2 months, 1 week ago

Indian Bank Maintains FY25 Guidance, Sets Credit Growth Target of 11-13%

The Hindu  

Indian Bank MD & CEO Shanti Lal Jain confirms that the bank's FY25 guidance remains unchanged. He highlights the bank's strong financial performance, including 8% deposits growth, 12% growth in advances, and 9.5% recovery rate. Jain also assures that the bank's asset quality is under control, with gross NPAs declining to 3.48% and net NPAs contracting to 0.27%. He also …

ICICI Bank stock hits record high, market cap crosses ₹9 lakh crore for first time; What’s driving the rally?
3 months, 3 weeks ago

ICICI Bank stock hits record high, market cap crosses ₹9 lakh crore for first time; What’s driving the rally?

Live Mint  

Private lender ICICI Bank, on Wednesday, became the fourth Indian company to surpass a market capitalization of ₹9 lakh crore for the first time, following a share price increase of over 30 percent in 2024. On September 18, the stock reached an all-time high of ₹1,295 on the BSE, marking a 2 percent increase from the previous close, with a …

ICICI Bank stock hits record high, market cap crosses ₹9 lakh crore for first time; What's driving the rally?
3 months, 3 weeks ago

ICICI Bank stock hits record high, market cap crosses ₹9 lakh crore for first time; What's driving the rally?

Live Mint  

On September 18, ICICI Bank stock reached an all-time high of ₹ 1,295 on the BSE, marking a 2 percent increase from the previous close, with a market capitalization of ₹ 9.1 lakh crore. Private lender ICICI Bank, on Wednesday, became the fourth Indian company to surpass a market capitalization of ₹9 lakh crore for the first time, following a …

SBI Dismisses Concerns About Flagging In Banking Sector's Deposit Growth
4 months, 2 weeks ago

SBI Dismisses Concerns About Flagging In Banking Sector's Deposit Growth

News 18  

State Bank of India, India’s largest lender and public sector bank, in its report, has dismissed the concerns about the flagging in the banking sector’s deposit growth. The report highlighted that in the Financial Year 23, the banking sector, particularly All Scheduled Commercial Banks, registered the highest absolute growth in both deposits and credit since 1951-52. Meanwhile, the credit expanded …

Economic Survey 2023-24: Displaying stellar show banking, financial sectors must brace for likely vulnerabilities
5 months, 2 weeks ago

Economic Survey 2023-24: Displaying stellar show banking, financial sectors must brace for likely vulnerabilities

The Hindu  

With India’s banking and financial sectors displaying a stellar performance in FY24 and as India’s financial sector undergoes critical transformation, it must brace for likely vulnerabilities originating globally or locally, the Economic Survey 2023-24 has cautioned. Economic Survey 2023-24 LIVE updates In FY24 bank credit witnessed double digit and broad-based growth and asset quality improved dramatically with gross and net …

Indian economy, financial system remain robust despite global economy facing heightened risks: FSR
6 months, 1 week ago

Indian economy, financial system remain robust despite global economy facing heightened risks: FSR

The Hindu  

The Indian economy and the financial system remain robust and resilient, anchored by macroeconomic and financial stability, the Reserve Bank of India said in the 29th issue of the Financial Stability Report which was released on June 27. SCBs’ gross non-performing assets ratio fell to a multi-year low of 2.8 per cent and the net non-performing assets ratio to 0.6 …

Indian banks well placed to ride on economic growth: Moody’s
6 months, 3 weeks ago

Indian banks well placed to ride on economic growth: Moody’s

The Hindu  

Indian banks and non-bank finance firms are well placed to seize opportunities from India’s strong economic prospects through lending growth in sectors like infrastructure, energy transition, manufacturing, small businesses and retail, Moody’s Ratings said on Wednesday. Moody’s said credit quality of India’s financial system has strengthened over the past 3-4 years due to record-high profitability, low delinquencies and stable domestic …

India assessing need for more measures to slow unsecured lending, cenbank chief says
7 months ago

India assessing need for more measures to slow unsecured lending, cenbank chief says

Hindustan Times  

MUMBAI - India's central bank is assessing whether further measures would be needed to slow down the growth in banks' lending towards unsecured loans and non-banking finance companies, Governor Shaktikanta Das said on Friday. India assessing need for more measures to slow unsecured lending, cenbank chief says The Reserve Bank of India, has warned lenders against "all forms of exuberance" …

NBFC lenders find borrowing a costly affair
8 months, 4 weeks ago

NBFC lenders find borrowing a costly affair

Live Mint  

MUMBAI : Non-bank lenders are struggling through a spike in borrowing costs as banks have become cautious in lending to them following a regulatory warning, forcing these companies to diversify their money sources. The Reserve Bank of India in November increased the risk weights on NBFCs by 25 percentage points, making their cost of borrowing from banks costlier by 30-50 …

Credit growth trajectory likely to slow down to 12-14% YoY over FY25-27, says Emkay Global
9 months, 2 weeks ago

Credit growth trajectory likely to slow down to 12-14% YoY over FY25-27, says Emkay Global

Live Mint  

India’s banking sector is expected to face a slowdown in credit growth and with banks exhausting strategies to sustain margins, the imperative for mobilizing deposits emerges, analysts said. The credit growth trajectory is expected to slow down to 12-14% year-on-year over FY25-27E from the current 16.5% YoY, according to Emkay Global Financial Services. The overall deposit growth and more so …

Small finance, payments banks growing sustainably: Experts at Mint BFSI Summit
11 months, 4 weeks ago

Small finance, payments banks growing sustainably: Experts at Mint BFSI Summit

Live Mint  

New Delhi: Small finance banks and payments banks, constituted under the differentiated banking license policy of the Reserve Bank of India, have seen sustainable growth throughout their existence, industry experts said at the Mint BFSI Summit and Awards 2024 on Thursday. That means they have touched the lives of 100 million Indians, or 7% of the population, in under seven …

Stocks to buy: ICICI Bank, IndusInd Bank among top picks in financial sector
1 year, 3 months ago

Stocks to buy: ICICI Bank, IndusInd Bank among top picks in financial sector

Live Mint  

The banking and financial services industry is expected to see decent growth with earnings expected to remain resilient despite net interest margin compression in the second quarter of FY24. Brokerage firm Motilal Oswal Financial Services expects systemic loan growth to remain healthy at 14% YoY in FY24, driven by continued traction in the Retail and SME segments. ICICI Bank, IndusInd …

Cleaning up of NPA mess will propel the economy
1 year, 5 months ago

Cleaning up of NPA mess will propel the economy

Hindustan Times  

To understand the complexities of India’s banking sector, one needs to grapple with a term that tends to recur with unsettling regularity – non-performing assets. The gross NPA ratio of scheduled commercial banks stood at 4.9%, and ₹66.6 lakh crore in March 2014 were bad loans. The National Democratic Alliance government took several steps to address the NPA problem, including …

ICICI Bank expects moderation in margins as deposits reprice
1 year, 5 months ago

ICICI Bank expects moderation in margins as deposits reprice

Live Mint  

Mumbai: Private sector lender ICICI Bank expects to see some moderation in its net interest margin, reflecting the delayed effect of increase in deposit rates. As we have been guiding in the previous calls, the overall decline in NIMs was very much in line with our expectations,” Sandeep Batra, executive director, ICICI Bank told reporters on Saturday post its earnings. …

ICRA Revises Growth Forecast For NBFCs, Eyes Another Stronger Performance In FY24
1 year, 5 months ago

ICRA Revises Growth Forecast For NBFCs, Eyes Another Stronger Performance In FY24

ABP News  

ICRA has revised upward the growth outlook for the current financial year for the retail loans of Non-Bank Financial Companies and Housing Finance Companies, which account for the bulk of the overall sector. The NBFC-Retail asset under management, estimated at around Rs 14 lakh crore as of March 2023, is expected to grow at a higher pace of 18-20 per …

Banks’ margin party is drawing to a close
1 year, 6 months ago

Banks’ margin party is drawing to a close

Live Mint  

The stellar rebound in India’s banking sector performance has been in focus in the recent quarters. Much of this is owing to the robust systemic bank credit growth and the sharp rise in lending rates, resulting in a significant improvement in the net interest margins of banks in the backdrop of RBI’s monetary tightening. As per RBI data, SCBs’ weighted …

Growth in India is expected to slow to 6.3% in FY2023: World Bank
1 year, 7 months ago

Growth in India is expected to slow to 6.3% in FY2023: World Bank

The Hindu  

Growth in India is expected to slow to 6.3 % in FY 2023/24, a 0.3 percentage point downward revision from January, the World Bank said Tuesday but noted there is an unexpected resilience in private consumption and investment and robust growth in the services. “Growth in India is expected to slow further to 6.3 % in FY 2023/24, a 0.3 …

Deposit of ₹2000 notes, rise in RBI dividends to improve short-term liquidity
1 year, 7 months ago

Deposit of ₹2000 notes, rise in RBI dividends to improve short-term liquidity

Live Mint  

There will be an improvement in short-term liquidity due to an increase in RBI dividends and deposit of ₹2,000 notes by banks till September, predicts India Ratings in its latest edition of the monthly credit market tracking report. The report highlighted that the Banking system liquidity declined as of 25 May 2023 to around ₹500 billion on average. “Decline in …

RBI's Annual Report: India's Growth Momentum Likely To Be Sustained In 2023-24
1 year, 7 months ago

RBI's Annual Report: India's Growth Momentum Likely To Be Sustained In 2023-24

ABP News  

The Reserve Bank of India's annual report on Tuesday said that India's growth momentum is likely to be sustained in 2023-24 in an atmosphere of easing inflationary pressures on the back of sound macroeconomic policies and softer commodity prices. The annual report, a statutory report of its Central Board of Directors, said, "On the back of sound macroeconomic policies, softer …

Bank of Baroda ends FY23 on a strong note
1 year, 7 months ago

Bank of Baroda ends FY23 on a strong note

Live Mint  

Public sector lender Bank of Baroda’s March quarter earnings performance was an all-round show. Healthy NII aided the bank’s profitability, translating into robust net interest margin growth. Plus, the pressure to raise deposit rates has eased with the Reserve Bank of India’s latest decision to pause interest rate hikes, the management added. Going ahead, the management expects to grow slightly …

Fitch pares India’s GDP growth forecast for this year to 6% from 6.2%
1 year, 8 months ago

Fitch pares India’s GDP growth forecast for this year to 6% from 6.2%

The Hindu  

Fitch Ratings has lowered its 2023-24 GDP growth forecast for India to 6% from 6.2%, citing headwinds from elevated inflation and interest rates along with subdued global demand, with the economy expected to rebound to 6.7% in 2024-25 as opposed to 6.9% projected earlier. While India will be one of the fastest-growing sovereigns rated by Fitch, bolstered by “resilient investment …

Why FY24 could be a good year for bank stocks - explained
1 year, 9 months ago

Why FY24 could be a good year for bank stocks - explained

Live Mint  

The new financial year started on April 1, 2023, the focus is now on interest rates and banking space. The external financing is going to stay high to maintain the entire credit growth whatever we are expecting of 15% for FY24. few public banks and few private banks, the entire credit system and the entire banking system, the asset quality …

Bank credit rose 15 pc in December
1 year, 11 months ago

Bank credit rose 15 pc in December

Deccan Chronicle  

Chennai: Bank credit rose by a robust 15 per cent in December, supported by 20 per cent growth in retail loans and 35 per cent growth in loans to NBFCs. Retail loans, which have 31.8 per cent share in the overall bank credit, grew by 20 per cent against December 2021 and 45 per cent against March 2020 due to …

Banking sector Q3 preview: Another strong quarter, says Sharekhan
1 year, 11 months ago

Banking sector Q3 preview: Another strong quarter, says Sharekhan

Live Mint  

The banking sector is expected to report a healthy performance in Q3FY2023E, led by strong loan growth, margin improvement, and lower credit costs. The banking sector is expected to report 35 per cent year-on-year growth in earnings in December quarter, on the back of healthy loan growth and lower credit cost, says brokerage Sharekhan. HDFC Bank delivered healthy advances growth …

Keep an eye on these economic indicators in 2023
2 years ago

Keep an eye on these economic indicators in 2023

Live Mint  

Global headwinds, tightening monetary policy and the lingering effects of the pandemic have combined to create a gloomy global outlook. In its December bulletin, the Reserve Bank of India said that with balance of risks being tilted towards a darkening global outlook and emerging markets appearing more vulnerable, the Indian economy needs support from domestic growth drivers. Sectoral deployment of …

Banking data bodes well for the economy
2 years ago

Banking data bodes well for the economy

Hindustan Times  

The Reserve Bank of India ’s Report on Trend and Progress of Banking in India 2021-22, released on December 27, underlines the trend of continuous improvement in the health of India’s banking sector. The credit goes to RBI’s nimble-footed approach during the pandemic’s disruption and its sustained efforts to clean bank balance sheets in India. To be sure, the story …

Indian banks to see record credit growth of over ₹19 trillion in FY23: Icra
2 years ago

Indian banks to see record credit growth of over ₹19 trillion in FY23: Icra

Live Mint  

New Delhi: Indian banks are likely to witness a record high credit growth, surpassing the ₹19 trillion in the current fiscal year, domestic rating agency Icra said on Monday. Further, the growth momentum is expected to remain strong in FY2024 as well, even though rising interest rates and tight liquidity conditions could moderate the growth,” said Anil Gupta, senior vice …

RBI says bank credit growth accelerates to 17.2 % in September quarter: Report
2 years, 1 month ago

RBI says bank credit growth accelerates to 17.2 % in September quarter: Report

Hindustan Times  

Bank credit growth improved to 17.2 per cent in the September quarter 2022 from 7 per cent in the year-ago period, reflecting pick-up in economic activities. Bank credit growth improved further to 17.2 per cent in September 2022 from 14.2 per cent a quarter ago and 7 per cent a year ago, it said. Aggregate deposits growth, which remained in …

Why the party is not over for bank stocks
2 years, 1 month ago

Why the party is not over for bank stocks

Live Mint  

Banks were the cynosure of all eyes at the latest earnings ball. This is leading to a slowdown in raising deposit rates, said Emkay Global Financial Services Ltd. Kotak Mahindra Bank’s managing director and chief executive officer Uday Kotak summed this up aptly, “We are probably in one of the most important Cinderella times of the credit cycle." View Full …

Explained | RBI’s concerns on slow deposit growth
2 years, 1 month ago

Explained | RBI’s concerns on slow deposit growth

The Hindu  

The story so far: The Governor, Deputy Governor and a few other senior officials of apex banking regulator, the Reserve Bank of India, met MD and CEOs of public and certain private sector banks on November 16. Acknowledging the role played by private commercial banks in supporting economic growth during the pandemic and in the ongoing financial market turmoil, the …

Economy resilient, on course to acheive 7% growth in FY23: RBI article
2 years, 1 month ago

Economy resilient, on course to acheive 7% growth in FY23: RBI article

The Hindu  

With headline inflation beginning to show signs of easing, the domestic macroeconomic outlook appears to be resilient and on course for about 7% GDP growth in the current fiscal though India is still sensitive to global headwinds, according to an article released by the RBI on Friday. In the article, the authors - led by RBI Deputy Governor Michael Debabrata …

Liquidity Crunch Is Real. How Scheduled Commercial Banks Are Coping As Credit Growth Outpaces Deposit Growth
2 years, 2 months ago

Liquidity Crunch Is Real. How Scheduled Commercial Banks Are Coping As Credit Growth Outpaces Deposit Growth

ABP News  

A video is doing the rounds of social media, showing an official of Canara Bank, a Public Sector Bank, selling fixed deposits like a hawker in the streets of Mumbai suburbs in order to build up bank deposits. Both Canara Bank and HDFC Bank are actually on the ball as the slow deposit growth against the double-digit growth is creating …

How rising bank FD rates a challenge for stock market, mutual fund investors?
2 years, 2 months ago

How rising bank FD rates a challenge for stock market, mutual fund investors?

Live Mint  

Portfolio management: Amid hawkish Reserve Bank of India on interest rate hike, various Indian banks have announced fixed deposit interest rate hike in last few months. But, from portfolio diversification perspective, it would definitely bring some challenge for the equity investors as debt mutual funds are expected to regain its shine during high bank interest rate regime. According to experts, …

Tightening liquidity may force Indian banks to compete harder for deposits
2 years, 3 months ago

Tightening liquidity may force Indian banks to compete harder for deposits

Live Mint  

Indian banks may be forced to compete harder to boost deposits amid tightening liquidity and rising credit demand ahead of the festive season, analysts warned. With excess liquidity in the banking system over the last couple of years on account of the cash infused by the RBI during the pandemic, banks chose to rely on raising funds from money markets …

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