Loans
Latest news, explainers and analysis on Loans. Tracking 19 stories on Arth Vani.
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US Fed Rate Decision: Understanding Potential Impact on Your Indian Finances
The US Federal Reserve's interest rate decisions can significantly influence global financial markets, with ripple effects reaching Indian consumers' bank accounts, loans, credit cards, and investments. Without specific details of a recent Fed announcement, a direct analysis of its impact on Indian finances cannot be provided.
BreakingSBI Chairman Forecasts 0.50% RBI Rate Hike in December
The Chairman of State Bank of India (SBI) anticipates that the Reserve Bank of India (RBI) will increase key interest rates by 0.50% (50 basis points) in its upcoming December monetary policy review. This potential hike would impact borrowing costs for loans and returns on savings for Indian consumers.
BreakingRBI's Liquidity Tightening Strategy Effectively Acts as a 25 BPS Rate Hike
The Reserve Bank of India (RBI) has not formally raised its key policy rates, but its recent actions to tighten liquidity in the banking system are effectively creating conditions similar to a 25 basis point rate hike. This liquidity squeeze is pushing short-term market rates higher, potentially leading to increased borrowing costs for banks and, consequently, higher loan interest rates for consumers.
BreakingDeutsche Bank Predicts RBI Repo Rate to Climb to 6.25% by Mid-2027
Deutsche Bank forecasts that the Reserve Bank of India's (RBI) repo rate will increase to 6.25% by mid-2027. This projection suggests a potential rise in borrowing costs for Indian consumers, directly impacting EMIs on various loans. Borrowers should consider proactive financial planning to manage future increases.
BreakingShort-Term Credit: When It Helps Your Finances and When It Harms Them
Short-term credit, like personal loans, credit cards, or buy-now-pay-later (BNPL) options, offers quick access to funds. While it can be a valuable tool for managing unexpected expenses or bridging temporary cash gaps, misuse can lead to significant debt and financial strain. Understanding specific scenarios where it's beneficial versus detrimental is crucial for responsible financial planning.
BreakingRBI Hikes Repo Rate to 5.50%: Impact on Loans, EMIs & Inflation Outlook
The Reserve Bank of India (RBI) has increased the repo rate to 5.50%. This move is expected to make loans more expensive, directly impacting EMIs for home, car, and personal loans, while aiming to control future inflation in the Indian economy.
BreakingKotak Predicts RBI Repo Rate to Hit 6% After Two 50 bps Hikes
A recent Kotak report anticipates the Reserve Bank of India (RBI) will increase its benchmark repo rate by 50 basis points (bps) in each of the next two policy reviews. This projection would see the terminal repo rate reach 6.0%, impacting loan EMIs and fixed deposit returns for Indian consumers.
Understanding the Impact of a 25 Basis Point Repo Rate Hike on Indian Borrowers
A 25 basis point (0.25%) increase in the Reserve Bank of India's (RBI) repo rate directly leads to higher borrowing costs for Indian consumers. This means individuals with floating-rate loans, such as home loans and personal loans, are likely to face increased Equated Monthly Installments (EMIs) or extended loan tenures.
BreakingRBI Raises Repo Rate to 5.5%: First Hike Since Feb 2023 Under Gov Malhotra
The Reserve Bank of India (RBI) has increased its benchmark repo rate by 25 basis points to 5.5%, marking the first hike since February 2023 and the first under Governor Sanjay Malhotra. This move, accompanied by a shift to a ‘calibrated tightening’ policy stance, indicates the central bank's focus on controlling inflation despite a raised growth forecast for FY27.
BreakingRBI October MPC Meet: Expectation of 25 BPS Repo Rate Hike Looms for Borrowers
Market analysts anticipate the Reserve Bank of India (RBI) may increase the repo rate by 25 basis points (0.25%) during its upcoming October Monetary Policy Committee (MPC) meeting. This potential hike could lead to higher EMIs for loans, impacting retail borrowers across India.
BreakingIndian Banks Report Robust 18.8% Credit Growth in August
Scheduled commercial banks in India recorded a strong 18.8% growth in credit in August, indicating increased lending activity in the financial system. This robust expansion suggests a healthy demand for loans across the economy.
BreakingRBI Repo Rate May Reach 5.75% Soon, Impacting Loans and Savings: Report
A recent report indicates that the Reserve Bank of India (RBI) may soon increase the repo rate to 5.75%, suggesting two potential hikes. This move could impact millions of Indian retail customers through changes in loan interest rates and returns on savings.
RBI Alerts Banks on Risks of Loan Price War
India's central bank, the Reserve Bank of India (RBI), has cautioned commercial banks against engaging in an aggressive loan price war. This warning signals the RBI's concern over potential risks to the financial system's stability and asset quality that could arise from excessive competition in lending.
BreakingUrgent ₹2 Lakh: Evaluating Personal Loans, Savings, or Credit Cards for Immediate Needs
When faced with an immediate need for ₹2 lakh, individuals often weigh options like personal loans, utilising savings, or resorting to credit cards. Each method carries distinct implications regarding cost, repayment, and long-term financial health. The optimal choice depends heavily on one's existing financial situation and the urgency of the requirement.
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.
Indian Microfinance Stress Easing as Multi-Loan Borrowers Decline
The Indian microfinance sector is showing signs of recovery as the number of borrowers holding multiple loans has significantly decreased. This reduction is helping ease overall debt stress, despite these borrowers still carrying substantial outstanding debt.
BreakingIndian Microfinance Sector Shrinks 4% to ₹3.26 Lakh Crore Amid Uneven Monsoon
India's microfinance sector experienced a 4% contraction in its loan portfolio, settling at ₹3.26 lakh crore by the end of June. This downturn, observed in the first quarter of the current financial year, is primarily attributed to an erratic monsoon season which has dampened rural demand and led to increased caution among lenders. The slowdown comes after a period of recovery and highlights the microfinance sector's sensitivity to agricultural conditions and rural economic health.
RBI Bond Buyback Gets Muted Response, But Loan Rates Could Ease
The Reserve Bank of India's attempt to buy back government bonds received a lukewarm response from banks, despite a cash crunch in the system. However, the benchmark 10-year government bond yield has fallen to its lowest since March, driven by cheaper oil and strong foreign investments. This trend could signal potential relief for borrowers and adjustments for savers.
First-Time Borrowers Hit as Microfinance Lenders Prioritize Safety Over New Growth
Microfinance lenders in India are becoming increasingly cautious, making it harder for individuals without a credit history to secure loans. A recent SIDBI-Equifax study reveals that the share of first-time borrowers has plummeted from 33% to just 20% as lenders focus on customers with proven repayment records.
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