Deposits
Latest news, explainers and analysis on Deposits. Tracking 3 stories on Arth Vani.
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Latest on Deposits
RBI's Liquidity Test: What It Means for Your Bank Deposits and Loans
The Reserve Bank of India (RBI) is conducting a liquidity test on banks to assess their ability to manage sudden withdrawal demands. This move aims to ensure financial stability and could influence future lending rates and deposit offerings.
Public Sector Banks Borrow More as Deposits Lag Behind Loan Demand
Public sector banks (PSBs) are increasingly relying on borrowing to meet the rising demand for loans because their customer deposits are not growing at the same pace. This trend highlights a potential challenge for state-owned lenders in sustaining their funding, although current high liquidity in the financial system is helping to manage the immediate impact. Meanwhile, private sector banks are showing stronger deposit growth, allowing them to expand their lending more easily.
Banking Rules Update: LCR Norms Eased for Certain Deposits from FY27
Starting the first quarter of Financial Year 2027, Indian banks will benefit from revised Liquidity Coverage Ratio (LCR) norms. The assumed run-off rate for deposits from non-financial entities like trusts and LLPs has been significantly reduced from 100% to 40%, giving banks greater flexibility in managing their short-term liquidity.
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