{"id":18781,"date":"2021-03-05T11:19:58","date_gmt":"2021-03-05T11:19:58","guid":{"rendered":"https:\/\/plyinsight.com\/?p=18781"},"modified":"2021-03-05T11:25:52","modified_gmt":"2021-03-05T11:25:52","slug":"phase-of-cheap-loan-is-over","status":"publish","type":"post","link":"https:\/\/plyinsight.com\/hi\/phase-of-cheap-loan-is-over\/","title":{"rendered":"Phase of Cheap loan is over"},"content":{"rendered":"

In the first and second week of January, several big banks in the country, including the RBI, had announced to increase interest rates on FD. This was believed to be an indication that the phase of cheap loans was over, and interest rates on loans were going to increase.<\/p>\n

The RBI has deposited this money at an interest of up to 3.55 percent. This rate of interest is higher than the reverse repo rate. Whenever banks have extra cash, they deposit it with the RBI. This is called reverse repo. The RBI has fixed the reverse repo rate at 3.35 percent. But taking extra cash at 3.55 percent indicates that it wants to reduce the liquidity in the banking system.<\/p>\n

The requirement of funds for banks increases when liquidity decreases. That is, they get money at higher interest. Therefore, when they give loan, they also charge more interest on it.<\/p>\n

It is believed that there is currently about 5.6 lakh crores of extra cash in the banking system. Economic activity has not yet reached the pre-Corona level. Therefore banks are not able to disburse extra loan. According to the RBI, debt of banks is growing at a slow pace of 5-6 percent. This is the reason that they have accumulated excess cash. Banks and the Financial Institution had bid to deposit R3 lakh crore in reverse repo. RBI approved bid of 2 lakh crores only.<\/p>\n

The RBI had reduced interest rates to accelerate the economy. When the economic activity slowed down due to the lockdown, the RBI had cut interest rates to speed it up. The motive was that people should buy by cheap loans or the industry should invest more.<\/p>\n

Experts also believe that RBI can bring the cash reserve ratio (CRR) to 4 percent again. Banks have to keep a portion of the money deposited with the RBI. This is called CRR. About a year ago, the RBI reduced it from 4 percent to 3 percent. Increasing the CRR by 1 percent will reduce the cash in the banking system by R1.5 lakh crore.<\/p>\n\n\n

<\/p>\n\n\n\n

\u0938\u0938\u094d\u0924\u0947 \u0915\u0930\u094d\u091c \u0915\u0947 \u0926\u093f\u0928 \u0917\u092f\u0947<\/h2>\n\n\n\n

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\u0907\u0915\u094b\u0928\u093e\u0945\u092e\u0940 \u092e\u0947\u0902 \u0924\u0947\u091c\u0940 \u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f RBI \u0928\u0947 \u092c\u094d\u092f\u093e\u091c \u0918\u091f\u093e\u092f\u093e \u0925\u093e\u0964 \u0932\u093e\u0945\u0915\u0921\u093e\u0909\u0928 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0906\u0930\u094d\u0925\u093f\u0915 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u093e\u0902 \u0927\u0940\u092e\u0940 \u092a\u095c\u0940\u0902, \u0924\u094b \u0909\u0938\u092e\u0947\u0902 \u0924\u0947\u091c\u0940 \u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f RBI \u0928\u0947 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u092e\u0947\u0902 \u0915\u091f\u094c\u0924\u0940 \u0915\u0940 \u0925\u0940\u0964 \u092e\u0915\u0938\u0926 \u092f\u0939 \u0925\u093e \u0915\u093f \u0932\u094b\u0917 \u0938\u0938\u094d\u0924\u093e \u0915\u0930\u094d\u091c \u0932\u0947\u0915\u0930 \u0916\u0930\u0940\u0926\u093e\u0930\u0940 \u0915\u0930\u0947\u0902 \u092f\u093e \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u0909\u0938\u0947 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0947\u0964<\/p>\n\n\n\n

\u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u094b\u0902 \u0915\u093e \u092f\u0939 \u092d\u0940 \u092e\u093e\u0928\u0928\u093e \u0939\u0948 \u0915\u093f RBI \u0915\u0948\u0936 \u0930\u093f\u091c\u0930\u094d\u0935 \u0930\u0947\u0936\u093f\u092f\u094b (CRR) \u0915\u094b \u092d\u0940 \u092b\u093f\u0930 \u0938\u0947 4 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u092a\u0930 \u0932\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0947 \u092a\u093e\u0938 \u091c\u092e\u093e \u092a\u0948\u0938\u0947 \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e RBI \u0915\u0947 \u092a\u093e\u0938 \u0930\u0916\u0928\u093e \u092a\u095c\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0947 CRR \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u0915\u0930\u0940\u092c \u090f\u0915 \u0938\u0932 \u092a\u0939\u0932\u0947 RBI \u0928\u0947 \u0907\u0938\u0947 4 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0938\u0947 \u0918\u091f\u093e\u0915\u0930 3 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u093f\u092f\u093e \u0925\u093e\u0964 CRR 1 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u092c\u095d\u093e \u0924\u094b \u0909\u0938\u0938\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u093f\u0938\u094d\u091f\u092e \u092e\u0947\u0902 \u090f\u0915\u0938\u094d\u091f\u094d\u0930\u093e \u0915\u0948\u0936 1.5 \u0932\u093e\u0916 \u0915\u0930\u094b\u095c \u0930\u0941\u092a\u090f \u0915\u092e \u0939\u094b \u091c\u093e\u090f\u0917\u093e\u0964<\/p>","protected":false},"excerpt":{"rendered":"

In the first and second week of January, several big banks in the country, including the RBI, had announced to increase interest rates on FD. This was believed to be an indication that the phase of cheap loans was over, and interest rates on loans were going to increase. The RBI has deposited this money […]<\/p>","protected":false},"author":1,"featured_media":18782,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1036],"tags":[],"class_list":["post-18781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-february-news-2021"],"yoast_head":"\nPhase of Cheap loan is over - PLY INSIGHT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/plyinsight.com\/hi\/phase-of-cheap-loan-is-over\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Phase of Cheap loan is over - PLY INSIGHT\" \/>\n<meta property=\"og:description\" content=\"In the first and second week of January, several big banks in the country, including the RBI, had announced to increase interest rates on FD. This was believed to be an indication that the phase of cheap loans was over, and interest rates on loans were going to increase. 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