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HDFC Bank is bracing for the margin impact of repo rate-cutting cycle

adminApril 20, 202506 mins

[ad_1] HDFC Bank’s net interest margin (NIM) for the quarter ending March (Q4FY25) has expanded 2-3 basis points (bps) sequentially and year-on-year to 3.46% after excluding the interest income on income tax refund worth ₹700 crore. While this is praiseworthy, it will be interesting to see how the bank deals with the Reserve Bank of…

RBI cut repo rate in Feb. Why did it take so long for banks to reduce interest rates?

adminMarch 19, 202507 mins

[ad_1] The Reserve Bank of India (RBI) initiated the much-expected rate-cut cycle in February. The repo rate was cut from 6.5% to 6.25% on 7 February. A rate cut leads to an easing of interest rates on loans. However, loan rates have just started easing, after a rather longer transmission period. Rate cut transmission Let…