RBI ke decision ka asar: Bank of Baroda ne kam ki byaj dar!
RBI (Reserve Bank of India) ne interest rates mein jo kami ki hai, uska asar dikhne laga hai. Bank of Baroda (BoB) ne apne marginal cost of funds-based lending rate (MCLR) ko 5 basis points se kam kar diya hai. Iska matlab hai ki bank se loan lena ab thoda sasta ho jayega.
Kya hai MCLR aur iska asar?
MCLR woh minimum interest rate hai jis par bank loan de sakta hai. Jab MCLR kam hota hai, toh home loan, auto loan jaise loan bhi saste ho jaate hain. BoB ne one-month, three-month, six-month aur one-year ke loan par MCLR rates ko kam kiya hai. Yeh kami 5 bps ki hai.
RBI ne kya kiya tha?
Pichle hafte, RBI ne interest rates ko 50 basis points se kam kar diya tha, jo ki expected se zyada tha. Iske saath hi, banks ko zyada paisa dene ke liye cash reserve ratio (CRR) bhi kam kar diya gaya tha. RBI ke Governor Sanjay Malhotra ki monetary policy committee ne repo rate ko 50 bps se kam karke 5.5% kar diya. CRR ko bhi 100 bps se kam karke 3% kar diya, jisse banking system mein Rs 2.5 lakh crore ki liquidity badh gayi.
Aage kya hoga?
RBI ne 2025 mein ab tak total 100 basis points se interest rates kam kar diye hain. February mein 25 basis points ki kami ki gayi thi, jo May 2020 ke baad pehli baar hua tha. Iske baad April mein bhi same size ki cut hui thi. Ab BoB ke is decision se, ummeed hai ki aur bhi banks loan rates kam karenge, jisse economy ko boost milega. Dekhte hain aage aur kaunse banks apne customers ko yeh khushkhabri dete hain!
