RBI ne inflation ko control karne ke liye repo rate mein **25 basis points** ka izafa kiya hai. Ab interest rates **5.50%** ho gaye hain, aur banking sector mein liquidity ka game bhi badal raha hai.
RBI ne chal di nayi chaal
RBI ne aaj repo rate ko 25 basis points badha kar 5.50% kar diya hai. Isse 'calibrated tightening' ka clear signal mil gaya hai, matlab RBI ab inflation ko lekar bilkul serious hai. Iska seedha asar aapki jeb par padega kyunki loan lena ab aur mehanga hone wala hai.
Banking sector mein kya badal raha hai?
Fiscal year ke first half mein ek interesting trend dekha gaya hai. Public sector banks (PSBs) ne collateralized market mein apna hissa 32% se badha kar 35% kar liya hai. Wahi doosri taraf, private banks ne tri-party repo market par apni nirbharata 24% se ghatakar 14% par la di hai. Private lenders ab kaafi cautious ho gaye hain.
Liquidity aur risk ka game
Overnight money market ka 97% hissa collateralized deals se chalta hai, jahan banks securities ko as a guarantee pledge karte hain. Sirf 3% market bina security ke chalta hai. Isse saaf hai ki banks ab safety ko priority de rahe hain.
Investors ke liye kya hai?
Repo rate 5.50% hone se home, auto aur personal loan ki EMI badh sakti hai. Banks ke liye deposit costs badhenge aur bond prices girne se unke portfolio par pressure aa sakta hai. Real estate aur consumer goods jaise sectors par ab thodi nazar banaye rakhein, kyunki rate hike inke liye thoda tough ho sakta hai.