Page 18 - Interest Rates

Looking beyond the rate cut

Credit guarantees from government, deficit financing by the RBI and an HTM hike for banks are the only solutions that can get the wheel of credit and investment rolling

Limited impact

Interest rate reduction may not push credit offtake

Planning to take a gold loan? Here're rates, charges offered by banks

The disbursal is quick and interest rate is reasonable

The case for deeply negative interest rates

Such a policy, backed up by measures to prevent cash hoarding by financial firms, can solve many of today's problems

RBI's measures welcome, but govt has to bail out small companies: India Inc

Economy and industry need a heavy dose of liquidity infusion, say CEO after central bank announces new measures to help economy.

RBI actions will act as lifelines for NBFCs; await steps on bond buying

In his bid to fight the coronavirus (Covid-19) induced slowdown, the governor has made it clear that he doesn't want banks to park money with the RBI.

Fiscal space: Not if but how

In the first part of a series, the authors argue the means must be found to avert potential economic and social collapse post-Covid

For personal or credit card loans, it's time to scout for good rates

You can raise cheaper personal loans online to repay unsecured loans. For home loans, banks are taking documents online, but property verification may take time

Interest rate cut on small savings heartless, must be rolled back: Congress

Congress spokesperson Jaiveer Shergill said the reduction in interest rates on small savings is irrational, illogical and ill-timed

Will the RBI cut rates today? Fiscal boost also needed to battle slowdown

The Reserve Bank of India is expected to hold a media interaction later in the day today. It is widely expected that the central bank will cut rates and announce measures to boost sentiment.

Letter to BS: Be wary of co-op banks even if they pay better interest rates

Customers should not be enticed by higher interests and risk their corpus

RBI Monetary policy: Loans likely to become cheaper by 30 basis points

RBI move to exempt banks from maintaining CRR may free up to Rs 2 trn for lending to retail and MSME segments, says ICRA

Letter to BS: Lowering of interest rates for small savings not a wise move

This is not a wise move at a time when the rate of household savings is falling. India has practically no social security system for the old and the unemployed

Statsguru: Interest rate risks for the Indian economy explained in charts

The Indian economy is expected to expand by 7.5 per cent in nominal terms and lower nominal growth can make debt servicing difficult for the government and private borrowers

Sensex at all-time high, but real returns across asset classes just over 2%

In contrast, the previous decade (2000-2009) saw double digit nominal returns for stocks and gold while average inflation was at 5.55 per cent

Not turning lower inflation into low interest rates hurting growth: EAC-PM

Efforts should be mounted to lower the interest rate burdens for borrowers, and RBI's pause had a "terrible" effect of costs for a third of borrowers going up by 0.25 per cent

As banks turn immune to monetary policy, QE may save the day for RBI

If the central bank views asset purchases as a way to influence the waning quantity of money, then it should act now. Doing so may well save the day

Record $2.4 trillion bond binge threatening to cool investors' hot returns

Companies have sold a record $2.44 trillion so far this year across currencies, surpassing previous full-year records

It will need more than a rate cut to salvage India's sputtering economy

It wasn't too long ago that economic aspirations for India echoed China's. Now this young country of 1.4 billion people is looking more like Indonesia, Malaysia or the Philippines

Nearly 500 listed companies can't meet interest outgo from their earnings

The highest proportion of firms unable to meet their interest payments from earnings was 19.1 per cent in March 2017--the quarter after demonetisation.