& «
RBI cuts Repo Rate — What is the impact on Loans?»
Dear Mukesh, When
RBI cuts Repo rates (or) Key policy rates, banks will generally (may not be immediately) cut the lending rates too.
The next day all major Newspapers carried an important headline and that is about «
RBI cuts key interest rate.
Dear Onkar, As mentioned in the article, though
RBI cuts key policy rates, banks may not immediately pass the benefits to its customers.
Latest News (05 - April - 2016):
RBI cuts Repo Rate & SLR by 25 basis points.
while I see at the end of article below update: «Latest News (04 - October - 2016):
RBI cuts Repo Rate by 25 basis points to 6.25 % and keeps CRR unchanged.
Last few quarters, we have seen
RBI cutting interest rates and the 10 year G - sec is around 7.5 %, so new TFBs may offer interest rates of around 6.5 % to 7 %.
Not exact matches
While cost -
cutting and operational tweaks are part of the game plan, Halen says that expansion is likely the real opportunity
RBI sees for Popeyes.
The
RBI is set to announce its monetary policy decision later Tuesday, with the market forecasting a 25 basis points
cut in policy rates.
GWNFA has also attacked
RBI in recent months for cost -
cutting measures, cash register outages and a $ 700 - million renovation plan to spruce up restaurants.
In Asia, the Reserve Bank of India (
RBI)
cut its key repo rate by 25 basis points to 7.75 percent on January 15, more than two weeks before its scheduled meeting, catching markets by surprise.
Since we do not expect
RBI to
cut interest rates, in this scenario, returns from liquid funds might improve over the last year and it could become a better surrogate to fixed deposits for short term savers.
The
RBI's rate
cuts does not necessarily mean that the borrowers benefit immediately.
What is the impact of
RBI's rate
cut on home loan and other loan EMIs (Equated Monthly Installments)?
As the inflation softens (mostly YES) we can expect
RBI to
cut other key policy rates too.
You might have observed that
RBI has
cut interest rates to the tune of 125 basis points in this fiscal year.
RBI governor has
cut Repo Rate only and has kept other key policy rates (CRR & SLR) unchanged.
So, any
cut or increase in rates (especially key rate like Repo Rate) by the
RBI is not getting transmitted to the bank customers immediately.
A
cut in Repo and Reverse Repo rates basically reduces the bank's cost of borrowing from the
RBI to add to its reserves.
What does
RBI rate
cut means to you and me?
Dear Pradeep, We can't say there is «no need» to reduce the base rate, because the difference of basis points between the
RBI rate
cuts & banks lending rate
cuts is surely in the rage of 50 to 60 basis points.
«
RBI (Reserve Bank of India) has
cut interest rates.»
3 days ago,
rbi had not
cut the rates little bit as per expectations of the market and so bond yield increasing sharply.
Dear Manja, Yes, looks like the Short term debt funds can deliver decent returns in next 6 to 12 months, considering the expected rate
cuts (if any) by
RBI.
Dear Ritesh, I believe that we may be at the fag end of interest rate
cuts by
RBI.
RBI has
cut rates six times since January 2015.
The
RBI expects the new formula to make floating lending rates more responsive to its policy rate
cuts.
In yet another attempt to make banks pass on policy rate
cut benefits to borrowers, the
RBI has brought out a new methodology: Marginal Cost of Funds based Lending Rate (MCLR).
NEW DELHI: «The Reserve Bank of India (
RBI) on Tuesday
cut the short - term lending rate, or repo rate, by 25 basis points to 6.25 per cent from 6.50 per cent earlier.
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