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Bank deposits

Decline in bank deposits is also because of non-uniform tax treatment on various investment options: SBI

Decline in bank deposits is also because of non-uniform tax treatment on various investment options: SBI

Mon, Aug 19, 2024

The latest State Bank of India (SBI) report highlights the need for tax reforms to address the decline in bank deposits. The report explains how varying tax treatments on different investment options lead to significant disparities in net returns, impacting deposit growth and banking stability.

Will banks be forced to sharply hike their deposit rates in coming months? Icra Ratings report says this

Will banks be forced to sharply hike their deposit rates in coming months? Icra Ratings report says this

Thu, Jul 28, 2022

At 1.5 per cent of total deposits as of July 1, 2022, CDs are yet to touch the peak level of June 2011 when they were at 8.3 per cent of total deposits, the agency said

Bank deposits rise 12 pc in FY21 on higher CASA growth: RBI data

Bank deposits rise 12 pc in FY21 on higher CASA growth: RBI data

Thu, Sep 23, 2021

The share of CASA deposits increased to 43.7 per cent in March 2021 compared to 41.7 per cent a year ago, according to the Reserve Bank of India (RBI's) Deposits with Scheduled Commercial Banks - March 2021 data released on Thursday.

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Latest Bank FD rates 2019: SBI to HDFC Bank - Check who gives maximum returns

Latest Bank FD rates 2019: SBI to HDFC Bank - Check who gives maximum returns

Sun, Oct 06, 2019

Bank FD Interest Rate 2019: India's largest commercial bank State Bank of India or SBI is giving bank FD interest rate from 5 per cent to 7.75 per cent for a period 7 days to 10 years.

PPF, NSC interest rates to be slashed? This is what may happen soon

PPF, NSC interest rates to be slashed? This is what may happen soon

Fri, Sep 06, 2019

Bank's demand would definitely have some impact on the government and experts expect some cut in the PPF, NSC interest rates in the upcoming quarterly review meeting.

World Senior Citizen Day 2019: Top 5 investments that will help you stay rich even after retirement

World Senior Citizen Day 2019: Top 5 investments that will help you stay rich even after retirement

Tue, Aug 20, 2019

Senior Citizen Day 2019: Most senior citizens have no earnings after retirement. The most important thing for a senior citizen is to maximize return on investment.

Budget expectations, 3 GST tax rates to digital age - a freewheeling interview with Raj Nair, President, IMC CC&I

Budget expectations, 3 GST tax rates to digital age - a freewheeling interview with Raj Nair, President, IMC CC&I

Tue, Jun 18, 2019

Nair not only spoke about Budget 2019, but also highlighted key pointers for the Indian economy.

Who will offer best deposit interest rate? This will be new competition among banks - SBI vs HDFC Bank vs ICICI Bank

Who will offer best deposit interest rate? This will be new competition among banks - SBI vs HDFC Bank vs ICICI Bank

Tue, Mar 12, 2019

When a bank hikes deposit interest rate, that is to make their investment scheme much attractive than compared to others, so that such funds can be used again to lend borrowers.

Modi government bans unregulated deposit schemes - What will be its impact?

Modi government bans unregulated deposit schemes - What will be its impact?

Tue, Feb 26, 2019

In the ordinance, the Ministry of Law and Justice explains that, deposit means an amount of money received by way of an advance or loan or in any other form.

Income tax returns (ITR): You do not have to pay TDS on FDs under this amount

Income tax returns (ITR): You do not have to pay TDS on FDs under this amount

Mon, Feb 04, 2019

If your bank has deducted the TDS from your interest income on FDs, then you can declare the deducted amount in your ITR filing form and the IT department will automatically refund your paid sum in your bank account.

Bank account holder? Budget 2019 made your bank deposits interest income tax free! Limit hiked; Small savings schemes row solved; Modi govt makes you richer

Bank account holder? Budget 2019 made your bank deposits interest income tax free! Limit hiked; Small savings schemes row solved; Modi govt makes you richer

Fri, Feb 01, 2019

Currently, for banks, the pressure arises from government’s small savings schemes, which forced the lenders to aggressively hike deposit rates beyond their ability to keep up with the Centre’s investment tools.

Budget 2019: Your benefits from fixed deposits, savings to rise? Dear NDA govt, do make bank deposits tax free

Budget 2019: Your benefits from fixed deposits, savings to rise? Dear NDA govt, do make bank deposits tax free

Fri, Feb 01, 2019

Budget 2019: For banks, deposits are seen as an expenditure as they pay interest to customers, on the other hand, lending is their way to earnings as they receive interest from customers.

Is banking system moving towards liquidity deficit? What it means for your loans, EMIs

Is banking system moving towards liquidity deficit? What it means for your loans, EMIs

Wed, Jul 18, 2018

Net liquidity position has moved from a liquidity surplus level in the preceding week to a marginal liquidity surplus level in the week ended 13 July.

Who moved my savings? The conundrum of declining savings post-demonetisation

Who moved my savings? The conundrum of declining savings post-demonetisation

Tue, Feb 20, 2018

Contrary to what preliminary RBI data indicated, the financial savings rate in fiscal year (FY) 2017 declined post- demonetisation even as the deposits in banks grew in droves, noted a report, adding the gains from deposits were not enough to compensate for the sharp fall in currency holdings dur

Expectations for India's 2018-19 budget

Expectations for India's 2018-19 budget

Tue, Jan 30, 2018

India`s government will unveil its budget for the 2018/19 fiscal year on Thursday, with investors expecting increased investment in key areas such as agriculture and a slew of incentives for businesses.

Panic over proposed FRDI Bill is misplaced: SBI Ecowrap

Panic over proposed FRDI Bill is misplaced: SBI Ecowrap

Thu, Dec 21, 2017

Seeking to clear the confusion in the public domain, the report said, "First, whether the concept of bail-in is justified in Indian context. Such strategy is similar to the strategies adopted by EU countries like Cyprus whose per capital income is 14 times higher than India.

Is your bank deposit safe? Know more about FRDI Bill & bail-in clause

Is your bank deposit safe? Know more about FRDI Bill & bail-in clause

Fri, Dec 08, 2017

FRDI Bill i.e. Financial Resolution and Deposit Insurance Bill 2017 aims to focus on finding a resolution in case of a rare event of a failure of any financial service provider like banks, insurance companies or a non-banking financial companies etc. At present the bill is pending with the standing committee and have not been enacted as a law.

What type of bank account is good for your money? check here

What type of bank account is good for your money? check here

Wed, Dec 06, 2017

Many of us are not aware of what is transaction limit, benefits, minimum balance requirement or is there any income tax that needs to be filed on these account.

RBI maintains 'status quo' 2nd time in row; repo rate stands at 6%

RBI maintains 'status quo' 2nd time in row; repo rate stands at 6%

Wed, Dec 06, 2017

Policy repo rate under the liquidity adjustment facility (LAF) continues to stand at 6%, while reverse repo rate under the LAF remains at 5.75%, and the marginal standing facility (MSF) rate and the Bank Rate at 6.25%.

Rate cut or status quo: 14 factors will revolve around RBI decision

Rate cut or status quo: 14 factors will revolve around RBI decision

Wed, Dec 06, 2017

RBI kept repo rate unchanged at 6% in the last monetary policy meet with a neutral stance citing that rising consumer prices will threaten the trajectory for inflation.

Banks deposit and credit growth moderate in Q2FY18: RBI

Banks deposit and credit growth moderate in Q2FY18: RBI

Tue, Nov 28, 2017

The RBI data showed that aggregate deposits and bank credit growth (y-o-y) decelerated across all population groups and bank groups in September 2017 from a quarter ago.

Mutual Funds vs Bank Deposits: What should be your preferred financial product?

Mutual Funds vs Bank Deposits: What should be your preferred financial product?

Mon, Oct 23, 2017

In earlier years when the inflation was at a high rate, Bank Fixed Deposit was an attractive choice, as there was zero risk and substantial return on the money invested. But, nowadays this is not the case with Bank Fixed Deposits. Though the risk level has not gone up the return side has faced a downfall.

Led by Commercial Papers, credit offtake clips 15% to Rs 80.09 lakh crore

Led by Commercial Papers, credit offtake clips 15% to Rs 80.09 lakh crore

Thu, Oct 19, 2017

At a paltry 5.08%, fiscal 2017 was the worst year in over six decades for bank credit-lowest since fiscal 1953 when it grew at a much lower 1.8%.

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