Axis Bank ne bhi deposit rates mein katauti kar di!
Aapke paise kaise badhenge, yeh toh badi baat hai, na? Axis Bank, India’s third-largest private sector bank, ne bhi apne savings account rate ko 25 bps kam karke 2.75% kar diya hai. Yeh naya rate Tuesday se lagu ho gaya hai. Aap chahe domestic account holder ho, NRI ho, ya fir ordinary account holder, sabhi ke liye yeh rate apply hoga.
Kitna interest milega?
Agar aapke account mein Rs 50 lakh se kam paise hain, toh aapko 2.75% interest milega. Aur agar Rs 50 lakh se Rs 2,000 crore tak hai, toh 3.25% interest milega. Lekin agar aapke account mein Rs 2,000 crore ya usse zyada hai, toh aapka interest rate overnight Mumbai Interbank Offered Rate (MIBOR) + 0.70% se link hoga.
Kyu hua yeh sab?
Reserve Bank of India (RBI) ne pichhle hafte interest rate ko 25 basis points kam karke 6.00% kar diya tha. Iske baad, almost sabhi banks ne interest rates mein katauti kar di hai. HDFC Bank ne bhi 12 April ko savings account interest rate ko 2.75% aur fixed deposit rates ko 40 bps tak kam kar diya tha. SBI, Kotak Mahindra Bank, Bank of India, aur YES Bank jaise bade banks ne bhi deposit rates kam kiye hain.
Iska matlab kya hai?
Savings account rate kam karne se banks ka cost of funds kam ho jayega, jisse unka net interest margin badhega. Experts ka kehna hai ki aur bhi banks interest rates mein katauti kar sakte hain. Private sector banks ke liye yeh ek rahat ki baat hai, kyunki unke margins contract ho rahe the.
Aage kya hoga?
Banks ne term deposit rates mein bhi katauti ki hai, jisse unke margins April-June mein improve ho sakte hain. RBI ne liquidity badhane ke liye kai measures liye hain, jiske baad banking system mein liquidity surplus ho gayi hai. RBI ne apna stance neutral se accommodative kar diya hai, aur open market operations, gilts ki kharidaari, aur dollar easing se liquidity conditions aage bhi favourable rahengi.
