RBI ne repo rate **25 bps** badha diye hain, aur ab saare banks phook-phook kar kadam rakh rahe hain. Public sector banks ne rates toh badhaye hain, par sabka focus ab deposit badhane par hai taaki liquidity ki tangi se bacha ja sake.
October 2026 mein RBI ke 25 bps rate hike ke baad banking sector mein halchal hai. Repo rate ab 5.50% par chala gaya hai, lekin har bank ise customer par turant nahi daal raha.
Public Sector Banks vs Private Players
Bank of Baroda, Indian Bank, Punjab National Bank, Bank of India, aur Indian Overseas Bank ne toh apne Repo-Linked Lending Rates (RLLR) ko 25 bps badha diya hai. Lekin private sector banks kaafi cautious chal rahe hain. Wo market ki liquidity ko dekh kar decision le rahe hain kyunki festive season mein cash ki demand kaafi zyada hai.
Margins par dabav
Asli game credit aur deposit growth ke beech ke gap ka hai. Credit ki demand toh badh rahi hai, lekin usse match karne ke liye low-cost deposits nahi aa rahe. Agar banks ko funds chahiye, toh unhe retail deposits par interest rates badhane padenge. Agar unhone deposit rates badhaye lekin lending rates nahi badhaye, toh unke Net Interest Margins (NIMs) par kaafi bura asar padega.
EMI aur Borrowers ke liye warning
EMI badhne ka tension sabko hai, par banks ne saaf kar diya hai ki loan tenure automatic extend nahi hoga. Agar kisi ko dikkat hai, toh use khud bank jana padega aur request daalni padegi. Bank sirf case-by-case basis par hi decision lenge.
Investors ko ab sirf ek cheez par nazar rakhni chahiye—banks ka Credit-to-Deposit Ratio. Agar liquidity crunch bana raha, toh bank deposit rates ko aggressively badhayenge, jiska matlab hai interest rate cycle mein bada change aa sakta hai.