Loan Turant Sasta Naheen Hoga

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Loan Turant Sasta Naheen Hoga

[ iti bureau | Mumbai ] hom loan aur auto loan ka intarest rate haal filhaal to naheen ghatega lekin intarest rate mein dheere-dheere kami jaroor aaegi. RBI ne paulisi review mein jo kiya hai usase companiyon aur aam logon ko faayda hoga. Unako aane vaale dinon mein bank jyaada loan de sakte hain kyonki RBI ke nae kadam se bank sarkaari sikyoriti mein inavestameint kam ghata sakte hain. Bhaarateeya state bank ki Chairman arundhati Bhattacharya kehti hain, 'Agale chhah maheene mein intarest rate mein kami aaegi. Lekin leinding aur dipaujit rate mein abhi koi change naheen aaega. ' RBI ne mangalvaar ko staityootari likviditi reshiyo yaani esaelaaar ko 23 feesadi se ghataakar 22.5 feesadi kar diya hai. Esaelaaar bankon ke kul dipaujit ka vah hissa hota hai jo usako sarkaari sikyoriti mein lagaana hota hai. Ab bankon ke paas loan dene ke liye lagbhag 40,000 karod rupaye ka edishnal fund aa jaaega. Raghuraam raajan ne September 2013 mein RBI Governor ki post sambhaalne ke baad bankon ki susti khatm karne aur risorsej ko jyaada praudaktiv cheejon mein istemaal ke vaaste upalabdh karaane ke liye elaesaaar rikvaayarameint ghataane ka vaada kiya tha. Unhonne kaha tha, 'Hamein sarkaari sikyoriti mein bankon ka anivaarya nivesh ki seema nape-tule dhang se ghataane ki jaroorat hai kyonki yeh suraksha ke lihaaj se jaroori bhi hai. ' bainkars ka kehna hai ki esaelaaar ghataae jaane se system mein apne aap likviditi naheen aaegi, jaisa CRR mein kami kiye jaane se hota hai. CRR vah rakam hoti hai jise bankon ko RBI ke paas jama rakhana hota hai. Is rakam par bankon ko koi byaaj bhi naheen milta hai. Isliye esaelaaar mein kami kiye jaane se intarest rate mein turant kami naheen aaegi. Aandhra bank ke Chairman aur mainejing director si vi aar raajeindran ne kaha, 'Esaelaaar mein kami kiye jaane se intarest rate par turant koi fark naheen padega. Jyaadaatar bade bankon ne kredit ki demand naheen hone ki vajah se sarkaari securities mein esaelaaar rikvaayarameint se jyaada inavestameint kiya hua hai. ' ek anumaan ke mutaabik bankon ne sarkaari sikyoriti mein apne dipaujit ka 28 se 29 feesadi tak inavestameint kiya hua hai. Bank of India ke Chairman aur mainejing director vi aar ayyar ne kaha, 'Lekin esaelaaar mein kami se system mein positive sanket gaya hai. Kredit ki demand badhne par iska bahut faayda hoga. ' bank of Baroda ke Chairman aur mainejing director S S moondada kehte hain, 'Iske alaava isse market ko is baat ka bharosa mila hai ki growth ko poonji ki kami ki vajah se nuksaan naheen hoga. ' bankon ka kehna hai ki ikanaumi ko rivaaiv karne ke liye BJP ki kendra sarkaar ki taraf se kuchh kadam uthaae jaane ki ummeed par aane vaale kvaurtars mein loan ki demand badh sakti hai. 2013-14 mein bank loan ki growth 14 feesadi rahi jo 2006-07 mein 28 feesadi thi.

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