Best printers for Home

Best Mixer Grinder

Best wired Earphones

Best 43 Inch TV in India

Best Wi Fi Routers

Best Home Theatre in India

Smart Watch under 5000

Best Laptops for Education

Best Laptop for Students

Amid questions on the depleting <keyword id="20776807" type="General" weightage="100" keywordseo="loan-to-deposit-ratio" source="keywords">loan-to-deposit ratio</keyword> in <keyword id="19895091" type="General" weightage="20" keywordseo="Indian-banks" source="keywords">Indian banks</keyword>, a recent report by <keyword id="19896146" type="General" weightage="20" keywordseo="Motilal-Oswal" source="keywords" meta.keywordsubtype="org" meta.entityname="Motilal Oswal" meta.hostid="269" meta.entityid="Motilal Oswal">Motilal Oswal</keyword> suggests that the loan-to-deposit (LD) ratio is likely to subside on its own in the coming months. The debate on loan-to-deposit ratio (LD), particularly concerning sluggish <keyword id="19998084" type="General" weightage="20" keywordseo="deposit-growth" source="keywords">deposit growth</keyword> and potential risks to <keyword id="20089808" type="General" weightage="20" keywordseo="financial-stability" source="keywords">financial stability</keyword> is raised by even the finance minister and the <keyword id="20151998" type="General" weightage="20" keywordseo="RBI-governor" source="keywords">RBI governor</keyword>. However, the report notes that on closer examination, the situation may not be as alarming as it seems. As of 9th August, 2024 the Indian <keyword id="19964544" type="General" weightage="20" keywordseo="banking-sector" source="keywords">banking sector</keyword>'s loan-to-deposit (LD) ratio stood at 77.2 %, which is slightly below its recent peak of 78.2 % on 22nd March 2024, and its all-time high of 78.8 % in September 2013. The report stated that typically a rising LD ratio is indicative of a tightness in the banking sector, potentially indicating overheating. A lower LD indicates that the bank is aggressive in its credit disbursement practises, which could be risky. It highlighted that an analysis of the sector's transactions with the Reserve Bank of India (RBI) through the liquidity adjustment facility (LAF), along with recent trends in the weighted average call rate (WACR), suggests that the current rise in the LD ratio does not indicate tightness, which is why there is no immediate cause of concern. In fact, the report added that the concern over weak deposit growth may be overstated. Historical data show that bank deposits grew at an average rate of 9.5 % during the pre-COVID period (January 2015 to February 2020) and 10.4 % in the post-COVID period (March 2020 to August 2024). Earlier, Finance Minister Nirmala Sitharaman also urged state-run banks to enhance deposit mobilization through attractive offers and focusing on Tier-2 and Tier-3 cities. Loan-to-deposit ratio pegs the total deposits received by the bank against the loans it has offered. It helps in understanding how liquid the bank is. The loan-to-deposit ratio (LDR) is a financial metric that compares a bank's total loans to its total deposits. It's used to assess a bank's liquidity and credit risk, and to inform lending and deposit-taking decisions The report said while the exact measures are unclear, the deposit growth could potentially be increased by making other asset classes less attractive through taxation or interest rates, or by boosting fiscal spending to increase net credit to the government. In its forecast, the report noted that private banks will witness a moderation in their <keyword id="19998083" type="General" weightage="20" keywordseo="credit-growth" source="keywords">credit growth</keyword>, while public sector banks will maintain a healthy credit growth rate. "Our analysis suggests that deposit growth could be raised by either making other asset classes unattractive (through taxation and/or interest rate) or increasing the growth in net credit to the government by pushing fiscal spending higher" the report added. Alternatively, policymakers might consider curtailing loan growth to lower the LD ratio. However, this could slow deposit growth, particularly if corporate credit growth remains weak. Encouraging savers to shift investments from other assets to bank deposits could also be an option, but this carries risks of overreach and potential damage to economic confidence. Das had also flagged the excessive growth, or froth developing in the personal loan space. Notably, while credit growth in unsecured personal loans like credit cards continues to decline, it remains elevated at 23.3% as of June 2024. However, this is a significant reduction from 34.2% witnessed in November 2023. As fiscal spending increases, bank credit to the government is likely to grow, which should elevate deposits and broad money supply. The report said "However, the extent of foreign capital inflows and the RBI's policy for managing these inflows remain uncertain". Last month, RBI governor Shaktikanta Das had also addressed this issue in the 50th meeting of MPC (Monetary Policy Committee). Per him, deposit mobilisation has been lagging credit growth for some time now. This may potentially expose the system to structural liquidity issues. "While there could be a debate regarding ‘deposits funding loans’ vis-à-vis ‘loans funding deposits’, the current regulatory concern stems from the fact that there could be structural changes happening which banks need to recognise and, accordingly, devise their strategies. Households and consumers who traditionally leaned on banks for parking or investing their savings are increasingly turning to capital markets and other financial intermediaries", Das said. Per him, while bank deposits continue to remain dominant as a percentage of financial assets owned by households, their share has been declining consistently, since households are now increasingly allocating their savings to mutual funds, insurance funds, pension funds and other avenues.

Loan-to-deposit ratio will subside on its own in coming months, notes Motilal Oswal report

With uncertainties in the world - economics and geopolitics - investors having medium to long-term outlooks can have <keyword id="18712" type="General" weightage="20" keywordseo="Gold" source="Orion">gold</keyword> and silver in their portfolio, said <keyword id="46252" type="General" weightage="80" keywordseo="motilal-oswal" source="Orion">Motilal Oswal</keyword> Financial Services Ltd. A 20 per cent allocation to gold exchange-traded funds (ETF) in an investment portfolio during Diwali is ideal, said <keyword id="594214" type="General" weightage="80" keywordseo="quantum-amc" source="Orion">Quantum AMC</keyword>. Geopolitics, the Central bank's action and inflationary concerns are themes that are not only driving precious metals but also triggering volatility in other asset classes, said Motilal Oswal in a report. The <keyword id="6356435" type="General" weightage="50" keywordseo="us-federal-reserve" source="Orion">US Federal Reserve</keyword> is rushing to raise interest rates at an aggressive pace with an objective to tame inflation. On the other hand, geo-political tensions between Russia-Ukraine and other economies continue to increase distress in the economy. All this is raising questions regarding the pace of global growth, institutions like IMF have also lowered their projections on the same. Pointing out India as one of the largest consumers of gold and silver, Motilal Oswal said there has been a lot of development, especially on the domestic front which is supporting prices. "Government initiatives like setting up GIFT city, signing an FTA (free trade agreement) between <keyword id="6358356" type="General" weightage="50" keywordseo="uae" source="Orion">UAE</keyword> and India, (implies that about 200 tonnes of gold will be imported from UAE at 1 per cent tariff rate quota-TRQ) and changes in import duty," the company said. This year macro factors will have an upper hand over the move in metal prices, as a tighter monetary policy scenario is not a great phase for non-yielding asset gold, the report said. The gold price trend is caught between the tussle of bulls and bears. Extreme negatives do trigger bargain buying for gold and so it is important for medium to long-term investors to see a broader picture, Motilal Oswal said. Except for a few dips, the overall trend for gold has remained positive, and the returns also are quite decent, the company added. The company has suggested accumulation of gold at Rs 46,800-Rs 47,500 with a medium-term target of Rs 53,000 and a long-term target of Rs 58,000 with an expected upside of 8-17 per cent. In the case of silver, Motilal Oswal said the accumulation zone will be Rs 53,500-Rs 54,000 with a medium-term target of Rs 64,500 and a long-term target of Rs 73,000 with an expected upside of 13-28 per cent. According to Quantum AMC, the correction in the gold prices from the peak has made the metal affordable this festive season. "To make the most of the correction, we recommend investing in efficient products such as gold ETFs (exchange-traded funds) to maximize the benefits," Quantum AMC said. Owning physical gold comes with additional costs such as making charges, retail premiums, storage concerns, and lower buyback value. On its part, Emkay Global Financial Services in a report said the current weakness in gold may continue till there is more concrete information on the state of the economy in the major economies, especially against the background of an aggressive central bank trade-off unfavourable to growth and promoting stability. Generally, gold is considered as a hedge against inflation but this time around it does not seem so. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/corporates/news/global-vc-investment-falls-for-3rd-straight-quarter-report/articleshow/94985259.cms">Global VC investment falls for 3rd straight quarter: Report </a><a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/hong-kongs-hang-seng-index-hits-a-13-year-low/articleshow/94984206.cms">Hong Kong's Hang Seng index hits a 13 year low</a>

'Gold and Silver for medium to long term as investment'

Fintech platform <keyword id="6557529" type="General" weightage="100" keywordseo="kreditbee" source="Orion">KreditBee</keyword> on Friday said it has closed $200 million in its Series D round by raising an additional $100 million in primary funding from <keyword id="312345" type="General" weightage="80" keywordseo="advent-international" source="Orion">Advent International</keyword>, Mitsubishi UFJ Financial Group (<keyword id="380218" type="General" weightage="80" keywordseo="mufg" source="Orion">MUFG</keyword>) and existing investors. Last month, the company raised tranche 1 of Series D from MUFG, Japan's largest bank, along with existing investors Premji Invest, <keyword id="15088227" type="General" weightage="50" keywordseo="motilal-oswal-alternates" source="Orion">Motilal Oswal Alternates</keyword>, NewQuest Capital Partners, and Mirae Asset Venture Investments. KreditBee said the additional capital raised will be deployed towards scaling the existing business and diversifying its product offering by venturing into digitally enabled financial products. "This reinforces the confidence in our profitable business model and its long-term sustainability of it. The latest round will help us to achieve our vision of serving over 400 million middle-income population in the country," said Madhusudan Ekambaram, Co-Founder and CEO, KreditBee. The platform aims to cross-asset under management (AUM) of more than $1 billion over the next 6-9 months. "We believe KreditBee's proprietary underwriting tech stack is one of the best in the industry and helps in its ability to identify and underwrite future prime customers at an early stage," said <keyword id="1581364" type="General" weightage="50" keywordseo="shweta-jalan" source="Orion">Shweta Jalan</keyword>, Managing Partner at Advent International. KreditBee currently has 7 million loan customers, out of which over 3 million are active loan customers. "KreditBee has witnessed several credit cycles and has come out stronger each time reflecting the adaptability and resilience of its business model," said Ashish Dave, CEO of Mirae Asset Venture Investments. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/an-aai-and-two-college-dropouts-home-snacks-biz-sends-shark-tank-judges-into-a-bidding-war/articleshow/96784920.cms">An aai and two college dropouts’ home snacks biz sends Shark Tank judges into a bidding war</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/reliance-makes-open-offer-to-acquire-26-stake-in-lotus-chocolate/articleshow/96791043.cms">Reliance makes open offer to acquire 26% stake in Lotus Chocolate</a>

KreditBee closes $200 million Series D from Advent International, MUFG Bank, others

High levels of antibiotic resistance in bacteria are causing life-threatening bloodstream infections, according to the latest report released by the WHO. For the first time, the Global Antimicrobial Resistance and Use Surveillance System (GLASS) report released on Friday provides analyses of antimicrobial resistance (<keyword id="149212" type="General" weightage="80" keywordseo="amr" source="Orion">AMR</keyword>) rates in national testing coverage, AMR trends since 2017, and data on antimicrobial consumption in humans in 27 countries. The report shows more than 50 per cent resistance in bacteria, which frequently causes bloodstream infections that require treatment with last-resort antibiotics. Meanwhile, common bacterial infections are becoming increasingly resistant to treatments. More than 60 per cent of Neisseria gonorrhoea isolates, a common sexually transmitted disease, have shown resistance to the common oral antibacterial ciprofloxacin. WHO's Essential Medicines List divides antibiotics into three categories: access, watch and reserve. Medicines in the access group are available at all times as treatments for a wide range of common infections; the watch group lists antibiotics that are recommended as first or second choice treatments for a small number of infections, while the reserve group is for antibiotics which should only be used as a last resort in the most severe circumstances. The report shows that bloodstream infections due to resistant E. coli, <keyword id="396235" type="General" weightage="50" keywordseo="salmonella" source="Orion">Salmonella</keyword> and gonorrhoea increased by at least 15 per cent compared to 2017. More research is required to identify how this is related to increased hospitalisations and antibiotic treatments during the Covid-19 pandemic, the WHO says. Countries with lower rates of testing, mostly low- and middle-income countries, are more likely to report significantly higher AMR rates, <keyword id="106387" type="General" weightage="50" keywordseo="xinhua-news-agency" source="Orion">Xinhua news agency</keyword> reported. "Antimicrobial resistance undermines modern medicine and puts millions of lives at risk," said WHO Director-General Tedros Adhanom Ghebreyesus. "To truly understand the extent of the global threat and mount an effective public health response to AMR, we must scale up microbiology testing and provide quality-assured data across all countries, not just wealthier ones." SEE ALSO: <a href="https://www.businessinsider.in/business/corporates/news/two-adani-group-companies-rule-as-the-top-all-round-wealth-creators/articleshow/96109684.cms">Two Adani Group companies rule as the top all-round wealth creators – here are a few other unexpected entries</a> <a href="https://www.businessinsider.in/business/corporates/news/ril-adani-enterprises-are-the-biggest-and-most-consistent-wealth-creators-as-per-motilal-oswal-report/articleshow/96085753.cms">RIL, Adani Enterprises are the biggest and most consistent wealth creators: Motilal Oswal</a> <a href="https://www.businessinsider.in/stock-market/news/fpis-invest-over-36000-crore-in-indian-equities-in-november-financial-services-is-top-favourite/articleshow/96082197.cms">FPIs invest over ₹36,000 crore in Indian equities in November – Financial services is top favourite</a>

You Searched For "Motilal Oswal Investment Advisors" and got 4 results

Loan-to-deposit ratio will subside on its own in coming months, notes Motilal Oswal report

Ira Alok Puranik

'Gold and Silver for medium to long term as investment'

IANS

KreditBee closes $200 million Series D from Advent International, MUFG Bank, others

IANS

WHO concerned over increasing antibiotic resistance in human infections

IANS

Popular Keywords

Buying Guides