Deposit rates to rise faster than interest on retail loans - CARE's Ratings

Deposit rates to rise faster than interest on retail loans - CARE's Ratings

Deposit rates to rise faster than interest on retail loans - CARE's Ratings
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Deposit rates to rise faster than interest on retail loans - CARE's Ratings

GST Tax Calculator Small Business FAQs Budget IFSC PAN Card Aadhaar Card IPO Income Tax Savings Growth Calculator + News / BUSINESS NEWS / India Business News / Deposit rates to rise faster than interest on retail loans Top Searches: RBI Repo Rate Hike ITR Filing Last Date ITR Filing Online ITR Late Fine Penalty Digital Signature Certificate ITR Form 1 Section 80C ITR Filing Last date HRA Exemption Income tax Refund Status of the Day Deposit rates to rise faster than interest on retail loans TNN | Updated: Aug 7, 2018, 13:23 IST 23 Comments Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Highlights MUMBAI: There is good news for depositors. Many banks have increased returns on fixed deposits and, according to economists, rates are set to rise even further as growth in fixed deposits at 5 per cent in FY18 has been less than half the growth in loans. Close on the heels of SBI increasing deposit rates last week, the second largest private lender HDFC Bank has also followed suit with a hike of up to 60 basis points (100bps = 1 percentage point). Going by growth in credit demand and shrinking liquidity, more banks are expected to raise rates. HDFC Bank’s rate revision comes less than a week after the Reserve Bank of India (RBI) hiked policy rates by 25bps in its August 1 policy review.

PNB, Axis Bank and Dena Bank have also increased their rates this month.

Experts suggest interest rates for fixed deposits are set to rise further as growth in FDs at 5 per cent in FY18 has been less than half the growth in loans A report by Kotak Institutional Equities said that, after the big surge post-demonetisation, deposit growth has slowed dramatically in FY18 Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 3
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According to a report by ratings agency Care, lending rates have traditionally grown faster than interest on deposits in a rising rate regime.

Care chief economist Madan Sabnavis said in a report, “However, in the last two rate hikes, the quantum of transmission of the deposit rates is more than the lending rates. Consider the increase in interest rates of June 6 when the RBI increased the repo rate by 25bps to 6.25 per cent. From the date of announcement of the rate hike till the next monetary policy meeting, the deposit rates have increased on an average by 13bps, while the MCLR has increased by 5bps.” The MCLR, or marginal cost of lending rate, is the benchmark for all floating rate loans. According to Sabnavis, this quicker transmission in the deposit rates can be partly attributed to the reversal of the interest rate regime witnessed in recent months.

In the August 1 policy, RBI deputy governor Viral Acharya warned that liquidity will go out of the banking system in coming months as currency in circulation increases due to withdrawals during the festive season.

A report by Kotak Institutional Equities said that, after the big surge post-demonetisation, deposit growth has slowed dramatically in FY18. “Overall deposits grew 7 per cent year-on-year in FY18 (versus 11 per cent YoY in FY17), driven by current account deposits growing by 8 per cent and savings deposits by 10 per cent, while term deposits increased only 5 per cent,” the report said Deutsche Bank claims that the cumulative yield on its five-year deposit works out to 10.09 per cent on a scheme that offers an annual return of 8.25 per cent. Jana Bank is offering 9.1 per cent to senior citizens under an inaugural fixed deposit scheme.

Meanwhile, HDFC Bank now offers 7.25 per cent on retail deposits from one to two years as against 6.65 per cent to 7 per cent earlier. For short-term rates ranging from six months to nine months, the bank now offers 6.75 per cent as against 6.35 per cent and 6.4 per cent earlier. For nine months to one year, the interest rate is 7 per cent as against 6.4 per cent earlier. Long-term rates have not been changed much. Deposits above two years yield 7.1 per cent as against 7 per cent earlier, and on deposits above five years the rate continues to remain 6 per cent. The increase in cost of funds will eventually trigger an increase in the bank’s MCLR.

Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 4
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Top Comment INFLATION RATE IS MUCH HIGHER THEN INTEREST RATES .. SO IN REALITY BANK DEPOSITS ONLY HELP RICH TO TAKE OUR MONEY FROM BANKS AND RUN AWAYM OO D I KA BHAKTH The bank’s parent, mortgage company HDFC, was the first to revise lending rates after the policy by hiking the cost of home loans by 20bps. Another private home finance provider Indiabulls has followed HDFC’s lead and increased its home loan rates by 20bps. Interest rates are expected to firm up as credit offtake continues to be very strong. Bank credit offtake in the current fiscal has seen a year-on-year growth of 12.4 per cent as on July 20, 2018 compared with 5.8 per cent expansion seen in FY18.

Deposit inflows have risen by 8.3 per cent in the current fiscal — lower than the 9.9 per cent growth a year ago.

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Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 6
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  • HIDE + All CommentsYour Activity Sort Be the first one to review. We have sent you a verification email. To verify, just follow the link in the message M OO D I KA BHAKTH 8814 16186 more points needed to reach next level. Know more about Times Points M OO D I KA BHAKTH - Randi Sevak Sanstha Office - 21 hours ago -Follow INFLATION RATE IS MUCH HIGHER THEN INTEREST RATES .. SO IN REALITY BANK DEPOSITS ONLY HELP RICH TO TAKE OUR MONEY FROM BANKS AND RUN AWAY Reply
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    This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged rn NR 364 4636 more points needed to reach next level. Know more about Times Points M OO D I KA BHAKTH - Bharat - 17 hours ago -Follow Mallya is coming to Athur jail. Choksi following and Nirav Modi then after. Reply Flag Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 7
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Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged Butel Bolriyala 8286 16714 more points needed to reach next level. Know more about Times Points Level 7 Influencer Butel Bolriyala has earned the Influencer Level 7 badge as 2500 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 2 Moderator Butel Bolriyala has successfully flagged 30 comments on Timesofindia.com to become Moderator Level 2.

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Butel Bolriyala has posted 1000 comments on Timesofindia.com to earn the Wordsmith Level 6 badge. Know more about Times Points Badges Earned Influencer 7 Moderator 2 Wordsmith 6 News King 5 Frequent Flyer 4 Member 1 Know more about Times Points M OO D I KA BHAKTH - 20 hours ago -Follow Can you provide the inflation number vs deposit rates. Just don''t write stupid comments. They have both lowered hand in hand. That''s how economy works. Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Report this ! Close Flagged Blue sky 5733 19267 more points needed to reach next level. Know more about Times Points Level 6 Influencer Blue sky has earned the Influencer Level 6 badge as 2000 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 4 Wordsmith Blue sky has posted 100 comments on Timesofindia.com to earn the Wordsmith Level 4 badge. Know more about Times Points Level 4 News King Blue sky has viewed 750 articles, photos and videos on Timesofindia.com to earn the News King Level 4 badge. Know more about Times Points Badges Earned Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Influencer 6 Wordsmith 4 News King 4 Frequent Flyer 4 Member 1 Know more about Times Points Butel Bolriyala - 19 hours ago -Follow If you observe all the comments today, they have been all anti Modi ones made by senseless half educated people... Looks like opposition has suddenly hired more people to post such stupid things... Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged Aurobindo Banerjee 9470 15530 more points needed to reach next level.

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News King 5 Frequent Flyer 3 Member 1 Know more about Times Points M OO D I KA BHAKTH - Delhi - 19 hours ago -Follow Yes, this is the scheme of our planners and bankers, with full support from the bureaucrats. Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged WILLIAM INDIA 10154 14846 more points needed to reach next level.

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Level 3 Movie Buff WILLIAM INDIA has reviewed 40 movies on Timesofindia.com to earn the Movie Buff Level 3 badge. Know more about Times Points Level 1 Moderator WILLIAM INDIA has successfully flagged 10 comments on Timesofindia.com to become Moderator Level 1. Know more about Times Points Badges Earned Influencer 6 Movie Buff 3 Moderator 1 Wordsmith 6 Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 14
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  • Networker 1 News King 4 Frequent Flyer 4 Inboxer 1 Well Connected 1 Member 1 Know more about Times Points WILLIAM INDIA - MANGALORE - 21 hours ago -Follow THIS GOVT.

    HAS BROUGHT DOWN THE FDR RATE FROM 9.5%(2014 BEFORE) TO 6.5%, A CLEAN PROFIT OF 3.00% ON THEIR LOANS, GOES TO INDUSTRIALIST, THEREBY AMBANI BECOME RICHEST IN ASIA, SO ALSO BJP FUNDS. AT THE COST OF PENSIONERS, AT THE COST OF SALARIED, MIDDLE CLASS, NRIs, WHO ARE GETTING 3.00 TO 3.5% INTEREST LESS ON THEIR HARD EARNED FDR SAVINGS NOW. FOOLING NATION IS SO EASY, NOT INCLUDING PETROL, DEISEL UNDER GST - IS A VERY TACTICAL PLAN TO MAKE INDUSTRIALIST RICHER., ON THE BACKDROP, PARTY FUNDS ... Read More Reply

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    Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged mgm696969 2991 2009 more points needed to reach next level. Know more about Times Points Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 15
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Level 2 Influencer mgm696969 has earned the Influencer Level 2 badge as 250 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 4 Wordsmith mgm696969 has posted 100 comments on Timesofindia.com to earn the Wordsmith Level 4 badge. Know more about Times Points Level 4 News King mgm696969 has viewed 750 articles, photos and videos on Timesofindia.com to earn the News King Level 4 badge. Know more about Times Points Badges Earned Influencer 2 Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Wordsmith 4 News King 4 Frequent Flyer 4 Inboxer 1 Member 1 Know more about Times Points WILLIAM INDIA - 21 hours ago -Follow Yes the FDR rate came down, but along with it came down inflation and loan repayment interest. The pensioners, salaried middle class have been give good rebate by increasing the tax slabs. NRI''s have to pay the taxes for the money they generate in the country where they aren''t taxed. If NRI''s after depositing money in banks have to pay taxes for the interest money they earn, NRI''s are not holy cows. Petroleum products were purposely kept out of GST by Congress and not BJP, the next big move ...

Read More Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged B Raghuram 1197 3803 more points needed to reach next level. Know more about Times Points Level 1 Influencer Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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B Raghuram has earned the Influencer Level 1 badge as 100 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 4 Wordsmith B Raghuram has posted 100 comments on Timesofindia.com to earn the Wordsmith Level 4 badge. Know more about Times Points Level 3 News King B Raghuram has viewed 250 articles, photos and videos on Timesofindia.com to earn the News King Level 3 badge. Know more about Times Points Badges Earned Influencer 1 Wordsmith 4 Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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News King 3 Frequent Flyer 3 Inboxer 1 Member 1 Know more about Times Points mgm696969 - Bangalore - 15 hours ago -Follow Indians are the BIGGEST remittance Cash cows of Foregin Exchange for the Govt. of India. The Govt saves a lot on Exchange rate due to Indians sending money back home. But we pay a premium if we have to buy a US$ or Euros etc from the Banks. The BJP could have put Breaks on the Ambanis profiteering on Renegotiating their interest on their Rs1,50,000/-Crore loan last year and saved 100s of crores, but the public has no choice. This where the problem lies.

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Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged Bharat Bhagya Vidhata 2138 2862 more points needed to reach next level. Know more about Times Points WILLIAM INDIA - 13 hours ago -Follow Govt. did not brought down rates. It''s simple economics. When banks have more money the rates goes down. Developed countries have less than 2% deposit rates.

You need financial education. Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 19
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Report this ! Close Flagged Bharat Sharma 15378 9622 more points needed to reach next level.

Know more about Times Points Level 7 Influencer Bharat Sharma has earned the Influencer Level 7 badge as 2500 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 6 Wordsmith Bharat Sharma has posted 1000 comments on Timesofindia.com to earn the Wordsmith Level 6 badge. Know more about Times Points Level 5 News King Bharat Sharma has viewed 1500 articles, photos and videos on Timesofindia.com to earn the News King Level 5 badge. Know more about Times Points Badges Earned Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Influencer 7 Wordsmith 6 News King 5 Frequent Flyer 4 Member 1 Know more about Times Points WILLIAM INDIA - 10 hours ago -Follow Did your instructor in your final class (of english crash course) told you that typing in caps will get you a bonus? That said, When was the FD rate 9.5, it was about 8% during the election time in 2014 (we know how Congress operates), before that in 2010 it was 4.25.. DID they not tell you about this in your daily meeting? what about the home loan rate which came down from 10.75 to 8.5%.. What about the foreign reserves which have increased by 33% in the last 4 years..

what about the stock market ... Read More Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged Dheerendra Palmy else 21221 3779 more points needed to reach next level. Know more about Times Points Level 7 Influencer Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Dheerendra Palmy else has earned the Influencer Level 7 badge as 2500 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 7 Wordsmith Dheerendra Palmy else has posted 2000 comments on Timesofindia.com to earn the Wordsmith Level 7 badge. Know more about Times Points Level 1 Member Dheerendra Palmy else has registered on Timesofindia.com to earn the Member badge. Know more about Times Points WILLIAM INDIA - 21 hours ago -Follow Where did you study economics? Reply Flag Find this comment offensive? Your reason has been submitted to the Admin.

Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged Bharat Sharma Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 22
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15378 9622 more points needed to reach next level. Know more about Times Points Level 7 Influencer Bharat Sharma has earned the Influencer Level 7 badge as 2500 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 6 Wordsmith Bharat Sharma has posted 1000 comments on Timesofindia.com to earn the Wordsmith Level 6 badge. Know more about Times Points Level 5 News King Bharat Sharma has viewed 1500 articles, photos and videos on Timesofindia.com to earn the News King Level 5 badge. Know more about Times Points Badges Earned Influencer 7 Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Wordsmith 6 News King 5 Frequent Flyer 4 Member 1 Know more about Times Points Dheerendra Palmy else - 10 hours ago -Follow Seems that they are even giving some economics class before joining the Congress call center.. BUT the only clause is no questions.. Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged Pradeep Kumar 12594 12406 more points needed to reach next level.

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Pradeep Kumar has earned the Influencer Level 7 badge as 2500 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 7 Wordsmith Pradeep Kumar has posted 2000 comments on Timesofindia.com to earn the Wordsmith Level 7 badge. Know more about Times Points Level 5 News King Pradeep Kumar has viewed 1500 articles, photos and videos on Timesofindia.com to earn the News King Level 5 badge. Know more about Times Points Badges Earned Influencer 7 Wordsmith 7 News King 5 Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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  • Frequent Flyer 6 Member 1 Know more about Times Points Pradeep Kumar - 20 hours ago -Follow Total collapse of the Banking system is evident. We should get back Dr.Raghuraman Rajan and not some Dummy figure to dance to the tunes of the Politicians Reply
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  • Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged Bharat Sharma 15378 9622 more points needed to reach next level.

    Know more about Times Points Level 7 Influencer Bharat Sharma has earned the Influencer Level 7 badge as 2500 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 6 Wordsmith Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 26
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Bharat Sharma has posted 1000 comments on Timesofindia.com to earn the Wordsmith Level 6 badge. Know more about Times Points Level 5 News King Bharat Sharma has viewed 1500 articles, photos and videos on Timesofindia.com to earn the News King Level 5 badge. Know more about Times Points Badges Earned Influencer 7 Wordsmith 6 News King 5 Frequent Flyer 4 Member 1 Know more about Times Points Pradeep Kumar - 10 hours ago -Follow he left because he wanted to return to academics.. Reply Flag Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Report this ! Close Flagged B Raghuram 1197 3803 more points needed to reach next level. Know more about Times Points Level 1 Influencer B Raghuram has earned the Influencer Level 1 badge as 100 people have Agreed or Recommended his/her comments on Timesofindia.com. Know more about Times Points Level 4 Wordsmith B Raghuram has posted 100 comments on Timesofindia.com to earn the Wordsmith Level 4 badge.

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B Raghuram has viewed 250 articles, photos and videos on Timesofindia.com to earn the News King Level 3 badge. Know more about Times Points Badges Earned Influencer 1 Wordsmith 4 News King 3 Frequent Flyer 3 Inboxer 1 Member 1 Know more about Times Points Pradeep Kumar - Bangalore - 15 hours ago -Follow The Bhakts will disagree with your opinion. Reply Flag Find this comment offensive? Your reason has been submitted to the Admin. Choose your reason below and click on the Submit button. This will alert our moderators to take action Reason for reporting: Foul language Defamatory Inciting hatred against a certain community Out of context/Spam Others Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Report this ! Close Flagged View more comments M OO D I KA BHAKTH INFLATION RATE IS MUCH HIGHER THEN INTEREST RATES .. SO IN REALITY BANK DEPOSITS ONLY HELP RICH TO TAKE OUR MONEY FROM BANKS AND RUN AWAY Reply WILLIAM INDIA THIS GOVT. HAS BROUGHT DOWN THE FDR RATE FROM 9.5%(2014 BEFORE) TO 6.5%, A CLEAN PROFIT OF 3.00% ON THEIR LOANS, GOES TO INDUSTRIALIST, THEREBY AMBANI... Reply Pradeep Kumar Total collapse of the Banking system is evident. We should get back Dr.Raghuraman Rajan and not some Dummy figure to dance to the tunes of the Politi...

Reply Cricket live scores LATEST VIDEOS Business Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates..

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Featured Today In Travel Our Global Partners 1 Deposit rates to rise faster than interest on retail loans 2 Xiaomi’s supplier to set up Rs 1,400 crore plant 3 Dooars gardens head for strike as wage meet fails again 4 Jet Airways withdraws 25% salary cut proposal Quick Links ITR Late Filing Penalty Income Tax Refund status H1B Visa ITR Filing Last Date Employee Provident Fund Indigo Air India Niti Aayog Deposit rates to rise faster than interest on retail loans - Times of India https://timesofindia.indiatimes.com/business/india-business/deposit-rates.. ___ 35
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