Money in treasury decreases..!? New problem for India?

Although the world's recession fears are high, India's growth prospects are much better than the leading economic countries. But due to the foreign market conditions and the increase in the interest rates of the central banks, the value of the indian rupee, inflation, financial position, and foreign exchange reserves are being affected. In this situation, an important problem in indian banks has developed. The indian business market continues to grow despite inflation, due to which the demand for credit in the business market is very high. Although this is a great opportunity for banks, a new problem has arisen. Market analysts have predicted that indian banks are more likely to face liquidity shortages as they are given more loans than deposits.
The bank OF INDIA' target='_blank' title='reserve bank of india-Latest Updates, Photos, Videos are a click away, CLICK NOW'>reserve bank of india is increasing the interest rate to reduce the excess liquidity in the market to reduce the country's inflation, and now the demand for credit has increased, causing a liquidity crisis in the coffers of the banks. It is important to know that this liquidity crisis does not have any risk or impact on people's deposits. In the last couple of years, banks have been reducing their cash reserves and short-term money. Banks have used a portion of this money for their asset development. In this situation, banks have started collecting deposits and raising new funds. In particular, small and medium-sized banks buy repo rate loans from the RBI to offset the demand in the market. Based on the data published by the bank OF INDIA' target='_blank' title='reserve bank of india-Latest Updates, Photos, Videos are a click away, CLICK NOW'>reserve bank of india, as on october 21, the credit volume of banks increased by 17.9 percent to Rs 128.9 lakh crore in the last year. This is the highest annual growth rate in the last 9 years.At the same time, the amount of deposits of banks has increased by only 9.5 percent to 172 lakh crore rupees. Careedge said in its report that the most important reason for the increase in demand for loans in india is the increase in the demand for retail loans and the working capital of corporates. In this september quarter, private banks have collectively made a profit of Rs 33,165 crore. This is about 67 percent higher than Rs 19,868 crore in the corresponding september quarter of the previous fiscal.Similarly, public sector banks registered a profit of Rs 25,685 crore, a growth of 50 percent, against Rs 17,123 crore in the september quarter of last fiscal. It is noteworthy that only the bank of india-Latest Updates, Photos, Videos are a click away, CLICK NOW'>state bank of india has received more than 50 percent of this amount.

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