Deposits
Latest news, explainers and analysis on Deposits. Tracking 7 stories on Arth Vani.
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Latest on Deposits
HDFC, ICICI, Axis Bank Q2: Foreign Deposits May Rise, Profit Margins Squeezed
India's top private banks, HDFC Bank, ICICI Bank, and Axis Bank, are expected to see a boost in deposits from Foreign Currency Non-Resident (B) accounts in their Q2 results. However, this inflow could put pressure on their Net Interest Margins (NIMs).
RBI Rate Hikes Could Reshape Bank, NBFC Economics & Deposit Landscape
According to Economic Times BFSI, any rate hikes by the Reserve Bank of India (RBI) have the potential to significantly alter the economic models for banks, Non-Banking Financial Companies (NBFCs), and the returns on customer deposits. These adjustments typically impact lending rates, borrowing costs, and investment strategies across the financial sector.
HDFC Bank Reports Double-Digit Growth in Loans, Deposits; Taps RBI FCNR(B) Window
HDFC Bank, India's largest private sector lender, has announced double-digit growth in both its advances (loans) and deposits. The bank has also utilised the Reserve Bank of India's Foreign Currency Non-Resident (Banking) or FCNR(B) window to manage its foreign currency requirements.
Banks Brace for Higher Costs on FCNR(B) Deposits
Indian banks are likely to face an increase of 15-20 basis points in the cost of Foreign Currency Non-Resident (Bank) or FCNR(B) deposits. This rise is attributed to global interest rate trends and increased competition for foreign currency funds.
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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