Haayar Pravijning Se Ghatega Bankon Ka Munaafa

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Haayar Pravijning Se Ghatega Bankon Ka Munaafa

megha saraaf Mumbai. . Maikro-ikanaumik enavaayaranameint ki chunautiyon aur paulisi rifaurms par ulajhan ke beech banking sector ka outlook bahut positive naheen hai. Iska saaf asar bainkeks (banking stauks ka benchmark index) par najar aa raha hai. Fiscal iyar 2013 ki chauthi timaahi mein yah 10.5 feesadi ludhka hai. Iske mukaabale Sensex mein 3.8 feesadi ki hi giraavat dekhi gayi. Kamjor industrial growth, haayar inafleshan, eset kvaaliti preshar aur rate kat ki sambhaavana kam hone se is sector mein giraavat ka daur jaari rahega. Bainkars fiscal iyar 2013 ki aakhiri timaahi ke nateeje pesh karne ki taiyaari mein hain. Aise mein eset kvaaliti fikr ki badi vajah saabit ho sakti hai. Ikanaumik slodaaun ke saath haayar intarest rate ki vajah se kauraporets bahut kam inavestameint kar rahe hain. Isse project egjikyooshan bhi kaafi slo ho gaya hai. March quarter mein bankon ne 30,000 karod rupae ke 7 maamale corporate det reestrakcharing ya seedeeaar sel ko bheje the. Vaise to fresh slipej (baid loan kaitegari mein jaane vaale) ki raftaar mein maamooli kami aa sakti hai, lekin seedeeaar se baahar corporate loan reestrakcharing haayar leval par bana rahega. Isse bankon ki provijning kaust badh jaaegi. Khaastaur par sarkaari bankon ki mushkilein badh sakti hain, kyonki unhonne sankatagrast sektars ko jyaada loan diya hai. Is sector ke liye ekamaatr raahat ki khabar keindreeya back ka naya nirdesh hai. Iske tahat RBI ne bankon ko pichhle do saal behtar pradarshan karne vaale akaaunts ko reestrakchard esets se apagred karke standard esets kaitegari mein daalne ki ijaajat di hai. March mein jaari RBI ke taaja aankadon ke mutaabik, is dauraan saalaana aadhaar par loan growth 15.5 feesadi rahi. December quarter ke mukaabale yah maamooli taur par behtar hai, lekin inavestameint klaaimet kamjor bana huaa hai. Dipaujit growth bhi 13.8 feesadi ke kamjor leval par bani hui hai. Kul milaakar is sector ki arning growth kamjor rahegi. Haalaanki, private bankon ka performance sarkaari bankon ke mukaabale behtar bana rahega. Kamjor growth ke kaaran kuchh bankon ne March quarter mein dipaujit rate 0.25 feesadi se 1.25 feesadi ke beech tak badhaaya hai. Haayar fund kaust ki vajah se bankon ke paas leinding rate mein katauti karne ka mauka bahut kam hai. Vaise to 19 March ko RBI ne repo rate mein 0.25 feesadi ki katauti ki, lekin iske baavajood bhi bank rate mein katauti naheen kar paae. Isse bankon ke net intarest margin par preshar badhega. Aise mein March quarter mein yah 0.05 feesadi se 0.10 feesadi tak kam ho sakta hai. December quarter mein yah 3 feesadi tha.

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