RBI Ki Meherbani! Gold Lenders Ke Liye Branch Rules Aasan, Share **2%** Tak Bhage

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AuthorIshaan Verma|Published at:
RBI Ki Meherbani! Gold Lenders Ke Liye Branch Rules Aasan, Share **2%** Tak Bhage
Overview

Bhai log, suno! RBI ne gold loan dene wali badi NBFCs ke liye ek achhi khabar di hai. Agar kisi company ke **1,000** se zyada branches hain, toh ab naya branch kholne ke liye RBI se baar-baar permission nahi leni padegi. Isse companies ka kaam aasan hoga aur investors ka confidence bhi badhega.

Toh bhaiyon aur behenon, RBI ne aaj ek bade rule mein relax karne ka proposal diya hai. Jinki bhi gold lending NBFCs mein 1,000 se zyada branches hain, unko ab naye branch kholne ke liye pehle se approval lene ki zaroorat nahi padegi. Central bank ka kehna hai ki ye step operational efficiency badhayega aur sector mein growth ko boost dega.

Aur is news ka asar dikh bhi gaya! Aaj Manappuram Finance, Muthoot Finance, aur IIFL Finance jaise shares mein 2% tak ki tezi dekhne ko mili. Investors ko laga ki ab companies ka expansion aur bhi smooth ho jayega. Jaise Manappuram Finance ka stock ₹293.65 pe close hua tha kuch din pehle aur aaj trading volume bhi 2,364,937 tha. IIFL Finance aaj 1.56% upar ₹513 pe trade kar raha tha, jabki Muthoot Finance thoda neeche tha ₹3,515 pe, par sentiment overall positive hai.

Ye move khaas kar un badi NBFCs ke liye faydemand hai jinhone already bahut bada network bana liya hai. Socho, Muthoot Finance ke toh 4,967 branches hain, Manappuram Finance ke 4,044 aur IIFL Finance ke lagbhag 3,000. Ab ye sab administrative hurdles hatne se unka expansion aur bhi fast ho sakta hai. Pehle bhi RBI ne gold loan ko lekar kuch rules tight kiye the, lekin ab lagta hai ki woh growth ko support karna chahte hain.

Valuation ki baat karein toh, Manappuram Finance ka P/E 60.90x aur market cap ₹24,855 Cr hai. Muthoot Finance ka market cap $15.52 Billion USD (yani lagbhag ₹1.3 Trillion INR) aur P/E 19.4x hai. IIFL Finance ka market cap ₹21,810 Cr aur P/E 17.0 (ya 48.2x aur ₹21,992 Cr) hai. Analyst bhi Manappuram ke liye ₹330 ka target de rahe hain. Overall, NBFC sector ki health bhi acchi hai, CRAR 25.11% aur GNPA 2.21% hai.

Toh simple words mein, ye change bade gold lenders ke liye expansion ka rasta thoda aur clear kar dega. Muthoot Finance jo saal mein 100 se 200 branches kholta hai, woh shayad aur tezi dikha paye. RBI ne apna repo rate bhi 5.25% pe stable rakha hai, jo credit growth ke liye achha sign hai. Stock pe immediate bada jump na dikhe, par long-term mein ye definitely ek positive step hai sector ke liye.

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