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Rate transmission higher in PSBs than private banks, says RBI Bulletin

Earlier, Moneycontrol reported that a clutch of banks and non-banking financial companies (NBFCs) have upped their lending and deposit rates in recent weeks following the central bank s call for increased monetary policy transmission.

Transmission of rates fastest in the latest cycle

“Monetary policy transmission to bank lending and deposit rates has been stronger in this cycle compared to previous cycles” the Reserve Bank of India said In its latest Financial Stability Report.

RBI: RBI may need to use multiple price g-sec sales again for better rate transmission

In July 2021, the RBI announced a return to the uniform price auction method for primary government bond sales seven years after it said that such auctions would be held via the multiple price method.

Depositors benefit more in this rate hike cycle

“The demand for funds is high given the credit growth of 15-16 percent. Banks need to garner more funds through deposits even at higher rates” said Sachin Gupta, chief rating officer CareEdge Ratings “ Besides some banks are focusing on building durable long-term and stable funding sources even if it means paying higher interest.”

Depositors benefit more than borrowers this rate hike cycle

“The demand for funds is high given the credit growth of 15-16 percent. Banks need to garner more funds through deposits even at higher rates” said Sachin Gupta, chief rating officer CareEdge Ratings “ Besides some banks are focusing on building durable long-term and stable funding sources even if it means paying higher interest.”

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