IOB ne kiya Repo Rate mein Badlav
Indian Overseas Bank (IOB) ne apne repo-linked lending rate ko revise kiya hai. Yeh rate ab 8.35% hoga, jo pehle 8.85% tha. Iska matlab hai ki rate mein 50 basis points ki kami hui hai. IOB ne yeh announcement Wednesday ko ek exchange filing mein kiya. Naya rate Thursday se lagu ho gaya hai.
RBI ka Interest Rate Cut
Pichle hafte, Reserve Bank of India (RBI) ne interest rates ko ummeed se zyada, 50 basis points tak kam kar diya tha. RBI ne banks ke liye cash reserve ratio (CRR) bhi kam kar diya, jisse banks ke paas loan dene ke liye zyada paisa hoga. Iska maqsad economy ko boost karna hai.
Sanjay Malhotra Committee ka Faisla
RBI ki six-member monetary policy committee, jiske head Governor Sanjay Malhotra hain aur jismein teen external members bhi hain, ne 5-1 se benchmark repurchase ya repo rate ko 50 basis points se kam karke 5.5% karne ka vote kiya. Iske alawa, CRR ko bhi 100 basis points se kam karke 3% kar diya gaya, jisse banking system mein Rs 2.5 lakh crore ka liquidity aa gaya.
Interest Rates mein Kami
Latest reduction ke saath, RBI ne 2025 mein total 100 basis points se interest rates kam kar diye hain. Iski shuruaat February mein ek quarter-point reduction se hui thi, jo May 2020 ke baad pehli cut thi. April mein bhi aisi hi ek aur cut ki gayi thi.
Stock Market par Asar
Indian Overseas Bank ke shares National Stock Exchange par Wednesday ko 1.91% girkar Rs 39.58 per share par band hue. Yeh announcement se pehle hua tha. Benchmark Nifty mein 0.15% ki badhotri dekhi gayi. Pichle 12 mahino mein stock 40.51% aur year-to-date basis par 23.53% gira hai.
Banks ke Interest Rate Kam Hone se Kisko Fayda Hoga?
RBI ke repo rate cut ke baad banks ne interest rates kam kiye hain. Isse kisko fayda hoga, yeh dekhna hoga.
