RBI ne repo rate mein **25 basis points** ka izafa karke ise **5.5%** kar diya hai. 'Calibrated tightening' ke stance se banking sector mein halchal hai. Experts ka manna hai ki Axis Bank, PNB, Karnataka Bank, AU Small Finance Bank aur City Union Bank resilience dikha rahe hain.
RBI ki Monetary Policy Committee ne repo rate ko 25 basis points badha kar 5.50% kar diya hai, jo 7 October 2026 se lagu ho gaya hai. RBI ne apna stance 'calibrated tightening' rakha hai, yani inflation ko lekar central bank abhi bhi kaafi cautious hai. Saath hi, GDP growth forecast ko 7.1% par revise kiya gaya hai.
Banking sector mein kyun hai itni charcha?
Rising interest rates ka banking sector par double impact hota hai. Jin banks ka floating-rate loan portfolio bada hai, unke Net Interest Margins (NIMs) badh sakte hain. Iska matlab ye hai ki wo loan par interest rate jaldi badha sakte hain compared to deposits. Isi wajah se kuch specific stocks market ki nazar mein hain.
Kin stocks par bani hai baat?
Technical analysts ne 5 banks ko short-list kiya hai jo volatility ke bawajood charts par majboot dikh rahe hain: Axis Bank, Punjab National Bank, Karnataka Bank, AU Small Finance Bank, aur City Union Bank. Bade banks jahan support levels ko test kar rahe hain, wahi mid-tier lenders apni recovery pattern ki wajah se traders ke radar par hain.
Risk factor ko ignore na karein
Rate hike ka matlab hai ki aapka loan aur EMI mehnga ho jayega. Iske do bade risks hain:
- Loan Demand: EMI badhne se housing aur auto sector mein demand slow ho sakti hai.
- Asset Quality: Agar interest rates bahut upar rahe, toh borrowers ki loan repay karne ki capacity par asar pad sakta hai, jisse banks ke liye NPA ka khatra badh sakta hai.
RBI ne saaf kar diya hai ki abhi rate cuts ki umeed kam hai, isliye banks ko apne funding costs ko bahut smartly manage karna hoga. Agle kuch hafton mein hone wali management commentary aur Q-results batayenge ki ye banks is 'higher-for-longer' cycle ko kaise handle kar rahe hain.