{"id":11739,"date":"2019-08-13T15:10:24","date_gmt":"2019-08-13T09:40:24","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?p=11739"},"modified":"2023-12-01T16:21:09","modified_gmt":"2023-12-01T10:51:09","slug":"rbis-declared-new-rate-cut-has-its-own-limitless-impact-on-borrowers-and-investors","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/rbis-declared-new-rate-cut-has-its-own-limitless-impact-on-borrowers-and-investors\/","title":{"rendered":"RBI&#8217;s Declared New Rate Cut Has Its Own Limitless Impact on Borrowers and Investors"},"content":{"rendered":"\n<p>Recently, RBI declared its new cut rates affecting the borrowers\nand investors in opposite visions. The RBI cut rate is found to be a gift to\nthe borrowers and mere sad news for the investors. <\/p>\n\n\n\n<p>This reduction in lending rates will be definitely for the\nbetterment of the loan taken, planned, and EMI schedules of many individuals.\nBut it will adversely affect the people dependent on their fixed money which earlier\ngave them better profit than now. Especially the people who have this loan\ninterest as their primary and sole income.<\/p>\n\n\n\n<p>RBI has decreased the\nrepo rate and reserve repo rate by 35 basis points (bps) respectively. This is\nthe fourth time RBI has taken such a step in this year itself. All the changes\nare applicable from February 2019. (Please note that one basis point is\nequivalents to one hundredth part of one percent.) <\/p>\n\n\n\n<p>Earlier decrease of 25 basis points each time adds up to a total decrease of 110 basis points in key policy rates by the Central Bank. In recent criteria, the repo rate stands at 5.40 percent whereas reserve repo rate stands at 5.15 decreased from 5.50 and 5.75 respectively.<\/p>\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f11639-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/11739#wpcf7-f11639-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"11639\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.4\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f11639-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<style>\n.g-recaptcha {transform:scale(0.77);-webkit-transform:scale(0.77);transform-origin:0 0;-webkit-transform-origin:0 0; margin-top: 20px;}\n.lead-form {border:1px solid #ccc; padding-top: 20px; margin: 10px 0;}\n<\/style>\n<div class=\"lead-form\">\n\t<div class=\"row\">\n\t\t<div class=\"col-md-12\">\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-number\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-tel form-control\" aria-invalid=\"false\" placeholder=\"Mobile Number\" value=\"\" type=\"tel\" name=\"your-number\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit btn btn-primary\" type=\"submit\" value=\"Send\" \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n\n\n<p><strong>Now Fixed Income Returns\nWill be Reduced<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Not only the decrease in key rates, but the changes also involve\nthe drop in interest rates on fixed deposits. State Bank of India recently has\nreduced the interests for a shorter duration of deposits ranging up to 179 days\nby 50-75 bps. &nbsp;For a greater period drop of 20bps is applicable. This will\nbe applied from 1st August 2019. Further reduction of 10bps is also imposed on\nthe small saving schemes.<\/p>\n\n\n\n<p>When talking about the rupees loan, the bank has reduced 29 bps on <em>WALR i.e. weighted average lending rates. <\/em>This will affect the home loans. SBI also dropped its marginal cost of funding based <br> <br> <strong>Reduction in Home Loan Interest Rates<\/strong><\/p>\n\n\n\n<p>In general, banks\nhave  made the reduction by 29 bps on new\nrupee loan in their weighted average lending rates (WALRs) in the prevailing\nphase of Feb-Jun 2019.<\/p>\n\n\n\n<p>\u201cThe Reserve Bank of\nIndia\u2019s decision to cut rates by 35 basis points is a positive decision. The\nmove to allow banks to lend to priority sectors, including to housing sector of\nup to Rs. 20 lakh loans, through NBFC arms will kickstart credit flow\nespecially to affordable housing sector. For the consumers to feel the benefit\nof lower rates, the RBI will now need to step in for accelerating transmission\nof the rate cut,\u201d said Ravindra Sudhalkar, ED &amp; CEO, Reliance Home Finance.\n<\/p>\n\n\n\n<p>From 1st July, SBI will offer its customers with the availability\nof home loans linked with repo rates. Not only SBI but also HDFC banks reduced\ntheir lending rates by 10bps recently, for both new and existing users.<\/p>\n\n\n\n<p>The saving bank\naccount holders of SBI with the balance over Rs. 1 lakh will be earning the\ninterest rate of 2.65% only on their balance in saving accounts. Various banks\nhave already started cutting rates on loans.<\/p>\n\n\n\n<p><strong>Rate Cut Impact on\nExisting and New Borrowers<\/strong><\/p>\n\n\n\n<p>The fourth time rate cut\nis indeed good NEWS for borrowers. It will result in lowering the EMIs (equated\nmonthly installments).<\/p>\n\n\n\n<p><strong><em>Have a look on\nan instance impacting HOME LOAN EMIs<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table table\"><table><tbody><tr><td>\n  Loan Amount (\u20b9)\n  <\/td><td>\n  3000000\n  <\/td><\/tr><tr><td>\n  Tenure (Years)\n  <\/td><td>\n  20\n  <\/td><\/tr><tr><td>\n  Current Interest Rate (%)\n  <\/td><td>\n  8.50\n  <\/td><\/tr><tr><td>\n  Current EMI (\u20b9)\n  <\/td><td>\n  26035\n  <\/td><\/tr><tr><td>\n  New Interest rate (%)\n  <\/td><td>\n  8.15\n  <\/td><\/tr><tr><td>\n  New EMI (\u20b9)\n  <\/td><td>\n  25374\n  <\/td><\/tr><tr><td>\n  Cut in EMI (\u20b9)\n  <\/td><td>\n  661\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Ref: SBI website<\/p>\n\n\n\n<p><strong>EFFECT ON BORROWERS:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The reduction of bps in various loan\naspects is cherishing news for the borrowers. This will result in a decrease in\nEMIs and the amount of consecutive EMIs. <\/li>\n\n\n\n<li>The existing customers may feel\nrelieved about the new rates after the application of their rules by bank in\nrecent months.<\/li>\n\n\n\n<li>Also, the users having their loans BPLR\nlinked basis would now have a chance to change them to the MCLR linked loans\nwhich would be highly beneficial for them. <\/li>\n\n\n\n<li>The other option for these users apart\nfrom switching their loan type would be avail for other banking options.<\/li>\n\n\n\n<li>The home loan bearers may have a\nfeeling of relief as they can prepay their installment with the availability of\nmoney with them.<\/li>\n\n\n\n<li>For the new borrowers, the available\noptions for the loan will &nbsp;either &nbsp;link their loans with the MCLR linked options\nor on the basis of Repo rates. <\/li>\n\n\n\n<li>Credits are also made available based\non Pradhan Mantri Awas Yojana depending upon the type of residential plot for\nwhich you need the loan. This may vary from bank to bank. The benefit of\ninterest subsidy for Middle income group &#8211; I (MIG -I) and middle income group &#8211;\nII (MIG -II) is available till March 31, 2020. <\/li>\n<\/ul>\n\n\n\n<p>Now a <strong><a href=\"https:\/\/antworksp2p.com\/\">new borrower<\/a><\/strong> has the option to choose from the home loan linked with repo rate or MCLR. Customers are strongly recommended to make a clear comparison and check the applicable terms and conditions before making his\/her personal decision to enjoy the benefit of cut rates on loans.<\/p>\n\n\n\n<p>Thus, the overall effect of cut rates by RBI is a mixed criterion.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recently, RBI declared its new cut rates affecting the borrowers and investors in opposite visions. The RBI cut rate is found to be a gift to the borrowers and mere sad news for the investors. This reduction in lending rates will be definitely for the betterment of the loan taken, planned, and EMI schedules of &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/rbis-declared-new-rate-cut-has-its-own-limitless-impact-on-borrowers-and-investors\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;RBI&#8217;s Declared New Rate Cut Has Its Own Limitless Impact on Borrowers and Investors&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":11758,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[81],"tags":[],"class_list":["post-11739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-institutions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>RBI&#039;s Declared New Rate Cut Has Its Own Limitless Impact on Borrowers and Investors<\/title>\r\n<meta name=\"description\" content=\"RBI rate cut in the country the fourth time is a great surprise. 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