التفاصيل البيبلوغرافية
| العنوان: |
A Study of Bank Statutory Liquidity Ratio and its Impact on Housing Loan Leading Rate in India. |
| المؤلفون: |
Kathale, Ashish1 ashish.kathale@mitwpu.edu.in, Jadhav, Jayesh J.1 jayesh.jadhav@mitwpu.edu.in, Rajpurohit, Shreeya1 shreeya.rajpurohit@mitwpu.edu.in |
| المصدر: |
International Management Review. 2022, Vol. 18 Issue 1, p76-87. 12p. |
| مصطلحات موضوعية: |
*BANK liquidity, *BANK loans, *PRIVATE banks, *COMMERCIAL loans, *MORTGAGE loans, PEARSON correlation (Statistics) |
| مصطلحات جغرافية: |
INDIA |
| مستخلص: |
Liquidity, being one of the cardinal principles of bank lending, acts as a game changer for the survival and success of banks. However, considering the changing nature of lending in India in recent times and the complex nature of loan requirements, keeping up with the changing pace seems like a tough pathway for most of the banks to adapt to .Moreover, with the help of the PMAY scheme, an opportunity for every individual to buy his own house appears as icing on the cake. The crucial factor is the rate at which home loans are made available by commercial banks in India. Considering the RBI norms, it is mandatory for banks to maintain the requisite norms on SLR and CRR while maintaining the quantum of profitability and still keeping the steep competition in view. This research studies the trend of the statutory liquidity ratio of commercial banks in India and its proportionate impact on the bank’s lending capacity of housing loans. For this purpose, data from the last 5 years has been collected and analyzed for the leading private sector banks currently operational in India, namely HDFC Bank, ICICI Bank, AXIS Bank, Kotak Mahindra Bank, and YES Bank . The data collected is analyzed using correlation analysis (Pearson’s Correlation Coefficient). For testing the hypothesis, an ANOVA test has been used for deriving further results. This research paper uses applicable research tools in order to achieve the desired results while maintaining the required quantum of accuracy. The reduction in the SLR ratio by RBI and its subsequent impact in reduction of home loan interest rates are analyzed to provide a tabular presentation, describing the proportionate change in the latter. The results derived from the data collected and analyzed aim to provide a scope for further study on the subject matter. It also aims to understand the proportionate impact of changes in SLR to a bank’s lending capacity, which also may be adopted as a suggested measure for banks to develop a reliable framework for sound lending and increasing overall efficiency. [ABSTRACT FROM AUTHOR] |
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