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(Eds: Adding details) Mumbai, Mar 27 () The RBI on Friday put on hold EMI payments on all term loans for three months and cut interest rate by steepest in more than 11 years as it joined the government effort to rescue a slowing economy that has now got caught in coronavirus whirlwind.The Reserve Bank of India (RBI) cut repo to 4.4 per cent, the lowest in at least 15 years. Also, it reduced the cash reserve ratio maintained by the banks for the first time in over seven years. CRR for all banks was cut by 100 basis points to release Rs 1.37 lakh crore across banking system.The reverse repo rate was cut by 90 bps to 4 per cent, creating an asymmetrical corridor.RBI Governor Shaktikanta Das predicted a big global recession and said India will not be immune.It all depends how India responds to the situation, he said.Global slowdown could make things difficult for India too, despite some help from falling crude prices, Das said, adding food prices may soften even further on record crop production.Aggregate demand may weaken and ease core inflation further, he noted.The liquidity measures announced include auction of targeted long-term repo operation of 3 year tenor for total amount of Rs 1 lakh crore at floating rate and accommodation under Marginal Standing Facility to be increased from 2 per cent to 3 per cent of Statutory Liquidity Ratio (SLR) with immediate effect till June 30.Combined, these three measures will make available a total Rs 3,74,000 crore to the country's financial system.After cutting policy rates five times in 2019, the RBI had been on a pause since December in view of high inflation.The measures announced come a day after the government unveiled a Rs 1.7 lakh crore package of free foodgrains and cash doles to the poor to deal with the economic impact of the unprecedented 21-day nationwide lockdown.While the Monetary Policy Committee (MPC) of the RBI originally was slated to meet in the first week of April, it was advanced by a week to meet the challenge of coronavirus. DP ANZ BAL

EMIs put on hold, big-bang interest rate cut as RBI joins fight against coronavirus

<ul><li><keyword id="151330" type="COMPANY" weightage="20" keywordseo="Bank-Nifty">Bank Nifty</keyword>, the index of India's top banking stocks, is down 7% for the week hours before the trading on Friday concluded.</li><li>IndusInd Bank topped the list of weekly losers with a cut of nearly 20%.</li><li>Fitch estimates that a total of ₹5.5 trillion, about 5.7% of India's total outstanding loans, may witness defaults due to the economic stress dealt by the COVID-19 pandemic. </li><li>The Reserve Bank of India brought the interest rates down for the fifth time in a year to 4% now, the lowest since 2000.</li></ul>Bank Nifty, the index of India's top banking stocks, is down 7% for the week hours before the trading on Friday concluded. IndusInd Bank topped the list of weekly losers with a cut of nearly 20%. Shareholders of Indian banks are dumping their stock fearing a fresh surge in loan defaults as ₹2 in every ₹5 is lent to sectors like <a href="https://www.businessinsider.in/business/news/from-spicejet-to-oyo-to-mahindra-all-want-msme-tag-for-partners/articleshow/75821961.cms" data-type="tilCustomLink" target="_blank">tourism, hotels, and restaurants</a>, which are part of the medium-to-high-risk segments in the post-COVID world. The sell-off in banking stocks escalated on Friday (May 22) despite <a href="https://www.businessinsider.in/personal-finance/news/interest-payments-on-home-loans-car-loans-and-others-extended-by-another-three-months-by-rbi/articleshow/75884387.cms" data-type="tilCustomLink" target="_blank">the fifth cut in benchmark interest rates</a> in a year by the Reserve Bank of India. The <keyword id="43352" type="PERSON" weightage="20" keywordseo="Repo-rate">repo rate</keyword>, the interest that the central bank charges for lending money to banks, is now at 4%, the lowest since 2000. <div type="image" title="interest rates" msid="75884429" hostid="261" caption="&amp;lt;p&amp;gt;The benchmark interest rates in India have never been as low as 4% since the turn of the century.&amp;lt;/p&amp;gt;"></div> Not just that, the government also announced <a href="https://www.businessinsider.in/finance/news/india-puts-a-pause-on-new-bankruptcy-cases-for-a-year-and-other-changes-that-will-cap-the-rise-in-bad-loans/articleshow/75785508.cms" data-type="tilCustomLink" target="_blank">a pause on classifying loan defaults as bad loans</a>, and initiating new insolvency cases, for the next one year due to the debilitating impact of COVID-19 pandemic on the economy. However, none of these measures were good enough for the markets. <div type="Article" hostid="261" msid="75883216" title="DMart's quarterly sales may fall 25% but the shares are already up 35% ⁠— the retailer is now bigger than Maruti, Nestle and HCL Tech" mstype="2" mssubtype="0"></div> These are the top losers on the Bank Nifty this week: <table style="width: 188pt;"> </colgroup> <tbody><tr> <td class="xl63" style="height:15.0pt;width:95pt">Stock </td> <td class="xl63" style="border-left-width: initial; border-left-style: none; width: 93pt;">This week</td> </tr> <tr> <td class="xl63" style="height: 15pt; border-top-width: initial; border-top-style: none;">IndusInd Bank</td> <td class="xl64" style="border-top-width: initial; border-top-style: none; border-left-width: initial; border-left-style: none;">-19.19%</td> </tr> <tr> <td class="xl63" style="height: 15pt; border-top-width: initial; border-top-style: none;">Federal Bank</td> <td class="xl64" style="border-top-width: initial; border-top-style: none; border-left-width: initial; border-left-style: none;">-14.63%</td> </tr> <tr> <td class="xl63" style="height: 15pt; border-top-width: initial; border-top-style: none;">Axis Bank</td> <td class="xl64" style="border-top-width: initial; border-top-style: none; border-left-width: initial; border-left-style: none;">-13.28%</td> </tr> <tr> <td class="xl63" style="height: 15pt; border-top-width: initial; border-top-style: none;">RBL Bank</td> <td class="xl64" style="border-top-width: initial; border-top-style: none; border-left-width: initial; border-left-style: none;">-11.29%</td> </tr> <tr> <td class="xl63" style="height: 15pt; border-top-width: initial; border-top-style: none;">Bank of Baroda</td><td class="xl64" style="border-top-width: initial; border-top-style: none; border-left-width: initial; border-left-style: none;">-9.98%</td></tr></tbody></table> The stocks look cheap as the Bank Nifty has already lost over 46% this year so far, but as ICICI Securities put it in a report dated May 13, "valuations are tempting but the risks outweigh rewards." Indian banks had barely cleaned up the massive pile of unpaid loans from the country’s corporates. The total non-performing assets (NPA) in India was estimated at over ₹9 lakh crore at the end of September 2019. The coronavirus pandemic is spiralling into an economic crisis that may bring a fresh wave of defauts ⁠— this time from the small borrowers. Fitch estimates that <a href="https://www.indiainfoline.com/article/news-top-story/banking-sector-beginning-new-npa-cycle-in-aftermath-of-covid-19-ind-ra-120052200246_1.html" data-type="tilCustomLink" target="_blank">a total of ₹5.5 trillion, about 5.7% of India's total outstanding loans,</a> may witness defaults due to the economic stress dealt by the COVID-19 pandemic. The report also added that every government-owned bank in India will need an additional capital of ₹30,000 crore to ₹55,000 crore. In an exclusive chat with <a href="https://twitter.com/BiIndia/status/1248562052337033216">Business Insider on April 10</a>, Vijay Shekhar Sharma, the billionaire founder of Alibaba-backed Paytm, said this will be the ‘biggest nightmare’ for India in 2020. With the <keyword id="30067" type="ORGANIZATION" weightage="20" keywordseo="RBI">RBI</keyword> extending the <keyword id="117489" type="PERSON" weightage="20" keywordseo="moratorium">moratorium</keyword> on loan repayments till August 31, it is likely that more borrowers may take the option. <div type="image" title="moratorium" msid="75885416" hostid="261" caption="&amp;lt;p&amp;gt;If more borrowers opt to defer loan repayments, it will hurt banks&amp;#39; earnings in the short term. They may earn interest on the prolonging of the loan tenure.&amp;lt;/p&amp;gt;"></div> Moreover, the chiefs of major lenders like Axis Bank and <a href="https://www.businessinsider.in/business/news/kotak-mahindra-bank-q4-profit-down-4-pc-to-rs-1952-cr/articleshow/75712873.cms" data-type="tilCustomLink" target="_blank">Kotak Mahindra Bank</a> have already said that they will be more cautious while making loans hereon, and that will have an impact on future earnings of the banks too. Even the corporate lobby says that the interest rate cuts are good, but not good enough. "...a new phenomenon is visible," ASSOCHAM Secretary General Mr Deepak Sood said. "Along with the risk aversion by the banks to lend, even the borrowers are apprehensive about increasing debts on their balance sheets in the face of a grave economic situation... Under such circumstances, restructuring of debts on a wider scale and a willingness to share the grave consequences of the global pandemic are essential." All in all, the business environment for banks seems to fraught with risks and investors don't have the appetite for it. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/personal-finance/news/interest-payments-on-home-loans-car-loans-and-others-extended-by-another-three-months-by-rbi/articleshow/75884387.cms?upache=2">No EMI payments for six months as RBI extends moratorium on loans repayments till August 31</a> <a href="https://www.businessinsider.in/finance/news/yes-bank-share-price-net-loss-and-drop-in-deposits-post-q4-earnings/articleshow/75590798.cms" data-type="tilCustomLink" target="_blank">Yes Bank fears more deposits may disappear when COVID-19 moratorium ends and people start repaying loans</a> <a href="https://www.businessinsider.in/business/corporates/news/axis-bank-q4-earnings-show-bad-loans-ease-but-ceo-amitabh-chaudhry-maintains-caution/articleshow/75429938.cms" data-type="tilCustomLink" target="_blank">Axis Bank CEO says lending will be 'cautious' despite easing stress from bad loans in the latest fourth quarter</a>

India's banking stocks are down 7% this week despite a rate cut by RBI and a pause on new bad loans and bankruptcies

<ul class="summary-list"><li>Israel's government has approved a hostage deal — a major diplomatic breakthrough amid the war.</li><li>The outline includes the release of 50 hostages who are in Gaza and the release of 150 Palestinians held in Israel.</li></ul>Israel's cabinet approved a hostage release deal on Wednesday morning local time, a major diplomatic breakthrough that comes more than six weeks into the devastating war between the two sides. In a statement, Israel's government said it approved the outline of the first stage of an agreement that will see the release of 50 hostages who were abducted by Hamas during its October 7 terror attacks in exchange for a four-day ceasefire. The government added that the pause in fighting would extend one day for every 10 additional hostages released.Hamas said in a Telegram post that it agreed to the deal and that 150 Palestinian prisoners held by Israel would be released."The Government of Israel, the IDF, and the security services will continue the war in order to return home all of the hostages, complete the elimination of Hamas, and ensure that there will be no new threat to the State of Israel from Gaza," the Israeli government said in a statement.Despite the tentative agreement, it remains unclear exactly when the hostage and prisoner exchange will be completed. <a href="https://www.nbcnews.com/news/world/live-blog/israel-hamas-war-live-updates-rcna126110#rcrd26266">NBC News</a> reported the families of victims of people in Israeli jails will have 24 hours to appeal to Israel's Supreme Court to object to the deal.The groundbreaking development follows weeks of intense negotiations and high-level engagement involving Israel, the US, Qatar, and Egypt, a senior Biden administration official told reporters on Tuesday, adding that this first phase of the deal involves only the 50 women and children.On Wednesday morning, Qatar released a statement saying that the start time of the pause would be announced in the next 24 hours.The pause will "allow the entry of a larger number of humanitarian convoys and relief aid, including fuel designated for humanitarian needs," according to a <a href="https://www.reuters.com/world/middle-east/qatar-says-four-day-humanitarian-pause-gaza-subject-extension-2023-11-22/" target="_blank" rel="noopener">statement from the Qatari foreign ministry</a>.Hamas is believed to be holding around 240 hostages — including Israelis, Americans, and other foreign nationals — who were captured during the militant group's brutal rampage, which left over 1,200 people dead. The Israeli government has been under widespread domestic pressure to secure their release, while protests and demonstrations have sprouted in major cities around the world in a show of solidarity with the hostages and their families. <div type="image" title="Israeli Prime Minister Benjamin Netanyahu meets with soldiers as he visits an Israeli army base in Tze'elim, Israel November 7, 2023." height="987" width="1600" msid="105399427" hostid="261"></div>The US has provided Israel with both diplomatic support and <a href="https://www.businessinsider.com/pentagon-mq-9-reaper-drones-gaza-searching-hamas-hostages-2023-11">aerial surveillance</a> to help with its hostage recovery efforts. White House National Security Council Spokesperson John Kirby told reporters on Monday that the Biden administration was working "hour by hour" and "doing everything we can" to secure their release. Earlier on Tuesday, Israeli Prime Minister Benjamin Netanyahu's office <a href="https://twitter.com/IsraeliPM/status/1726964284260012443">said</a> that between 6 p.m. and 8 p.m. local time he will convene the country's war cabinet, security cabinet, and government, in three separate meetings. The office said the announcement comes "in light of developments on the issue of the release of our hostages," indicating that a deal may be in reach. Four hostages have already been released from Gaza. Emi Palmor, who previously served as the director general of Israel's Ministry of Justice and has experience on a hostage negotiation team, said this could end up being the only deal that the country manages to reach with Hamas, and its also uncertain if the militant group will actually honor its agreements. "The government is trying to do its best," she told Business Insider. "The decisions are extremely difficult and it's a risk management because, I think that even without saying this, everyone understands that we are playing with the devil."<div type="image" title="An Israeli soldier rides in a tank amid the ongoing ground operation against Hamas in this handout image released November 20, 2023." height="1066" width="1600" msid="105399429" hostid="261"></div>How a pause in the ongoing fighting — which Israeli officials vow will continue until Hamas is ultimately destroyed — will play out remains unclear. The Israel Defense Forces (IDF) is several weeks into its ground offensive and controls large swaths of territory in northern Gaza while its warplanes continue to bombard the coastal enclave, where over 12,000 people have been killed since the war began in early October. IDF Chief of the General Staff Lt. Gen. Herzi Halevi told reserve soldiers on Tuesday that the ground operations in Gaza are creating "better conditions" for bringing back hostages. "It hurts Hamas, it creates pressure, and we will continue this pressure," he said. Both Israel and the US have previously <a href="https://www.timesofisrael.com/as-eu-weighs-ceasefire-call-us-rejects-any-such-push-says-it-only-benefits-hamas/">rejected</a> growing calls from the global community for a ceasefire, with the White House arguing that it benefits Hamas and gives the militant group time to regroup. The Biden administration has, however, managed to get the Israelis to agree to <a href="https://www.politico.com/news/2023/11/09/israel-humanitarian-pauses-gaza-00126355">short pauses</a> on a daily basis to allow for civilians to evacuate northern Gaza and facilitate the movement of humanitarian aid. The fighting, meanwhile, has not been limited to Gaza, and has drawn in other Iran-backed militants like Hezbollah in Lebanon and the Houthis in Yemen. US forces in Iraq and Syria have also been attacked dozens of times over the past month by groups that are supported by Tehran.Correction: November 22, 2023 — An earlier version of this story misstated who has 24 hours to appeal the deal to Israel's Supreme Court. NBC News reported the families of victims of people in Israeli jails will have 24 hours to object to the deal, not the families of hostages.

Israel and Hamas agree to hostage deal in a major diplomatic breakthrough

The 25 basis points hike in key policy rate by <keyword id="30067" type="General" weightage="100" keywordseo="rbi" source="Orion">RBI</keyword> is in line with expectations, and hopefully is the last in the current cycle of rate increase which started in May 2022 in view of rising inflation, opined industry bodies and experts. It was the sixth hike in a row, though the quantum was low. The central bank has cumulatively hiked repo rate by 250 basis points since May last year in a bid to contain rising inflation in the wake of global geopolitical tensions. "There is no doubt that moderating inflation in today's challenging global environment should be a priority for the RBI-Monetary Policy Committee and the RBI has done a commendable job with the result that the pace of price rise has reversed. "In line with the other broad objective of sustainable growth, we want to believe this is the last rate hike by the RBI," said Assocham Secretary General Deepak Sood. The RBI raised interest rate by 35 basis points in December 2022. It was hiked by 40 basis points in May and by 50 basis points each in June, August and September. Commenting on the RBI policy, Madan Sabnavis, Chief Economist, Bank of Baroda said the major takeaway is that there will be a prolonged pause for sure before any further action is taken by the RBI and will be data-driven. "Presently it looks like that there is an upside risk to the inflation number and hence a rate hike could be thought of later. A rate cut during the year looks more unlikely and can be on the cards only when there is a change in stance first," he added. <keyword id="15466055" type="General" weightage="50" keywordseo="saket-dalmia" source="Orion">Saket Dalmia</keyword>, President, PHDCCI opined that the continuous increase in repo rate will have impact on consumption demand and production possibilities in factories. "As inflation has been in a significant deceleration since the last many months, we look forward a pause in the policy rates," he added. The Reserve Bank has projected retail inflation to ease to 5.3 per cent in next fiscal from 6.5 per cent this year on assumptions of lower imported inflation, even though core inflation remains sticky. Experts also said repo rate is directly linked to loan rates offered by lenders so an increase in repo will increase the borrowing cost and vice-versa. "The rate hike of 25 bps today will make EMIs expensive by approximately 2-4 per cent. Borrowers will either have to shell out extra money to repay their loans or will have to extend the loan tenure," said <keyword id="2951021" type="General" weightage="50" keywordseo="v-swaminathan" source="Orion">V Swaminathan</keyword>, Executive Chairman, Andromeda Sales and Apnapaisa.com. Since May 2022, the repo rate has been increased by 250 basis points. So, the EMI for a 20-year home loan taken in May 2022 of Rs 70 lakh at 7 per cent was Rs 54,271, he explained. "But when we factor in the 250-bps hike since May, the interest rate becomes 9.50 per cent, increasing the EMI to Rs 65,249." <keyword id="11357847" type="General" weightage="50" keywordseo="radhavi-deshpande" source="Orion">Radhavi Deshpande</keyword>, President and Chief Investment Officer, Kotak Mahindra Life Insurance Company said having front loaded most of the rate hikes, incremental policy rate decisions will largely be data and global central bank stance related. Markets would settle for a longish pause here on than expect additional tightening and reversals in short period. "We expect 10 year G-Sec to hover around 7.25-4 per cent in the short term," Deshpande said. Bhavik <keyword id="1346781" type="General" weightage="50" keywordseo="thakkar" source="Orion">Thakkar</keyword>, CEO of Abans Investment Managers too said while this will increase cost of borrowing for all types of loan, the impact on home loan borrower this time could not just be extension of home loan tenor but higher EMIs also. One of the things home loan borrowers should do is ask their lender to increase spread (difference between MCLR/RPLR for home loan companies and home loan rates offered to borrower), Thakkar said. Sumita Pillai, Chief Executive Officer of Torus Private Wealth too said the RBI move was in line with expectation. "We expect the rate hike cycle to conclude as inflation has started showing signs of moderation and RBI has a clear focus on growth going forward," Pillai said. Meanwhile, Sandeep Bagla CEO, TRUST Mutual Fund said the market is a tad disappointed as there was no change in stance from "withdrawal of accommodation" to neutral. He further said market forecasters are expecting inflation to trend lower from RBI projections. The RBI will release the minutes of the six-member Monetary Policy Committee meeting on February 22, 2023. The next meeting of the MPC is scheduled for April 3-6, 2023. SEE ALSO: <a href="https://www.businessinsider.in/finance/news/rbi-hikes-interest-rates-by-25-basis-points-to-6-5-says-core-inflation-remains-sticky/articleshow/97716217.cms">RBI hikes interest rate by 25 bps to 6.5%, says core inflation remains ‘sticky’</a> <a href="https://www.businessinsider.in/business/corporates/news/adani-transmission-reports-78-rise-in-q3-net-profit-to-475-crore-on-one-time-income/articleshow/97650165.cms">Adani Transmission reports 78% rise in Q3 net profit to ₹475 crore on one-time income</a> <a href="https://www.businessinsider.in/business/telecom/news/bharti-airtel-q3-net-profit-jumps-91-to-1588-crore-misses-estimates/articleshow/97698481.cms">Bharti Airtel Q3 net profit jumps 91% to ₹1,588 crore, misses estimates</a>

Hopefully, this is last rate hike by RBI in current cycle: Industry, experts

Realtors' apex body <keyword id="6393312" type="General" weightage="80" keywordseo="credai" source="Orion">Credai</keyword> on Thursday requested the <keyword id="30067" type="General" weightage="100" keywordseo="rbi" source="Orion">RBI</keyword> not to increase the repo rate in the upcoming monetary policy as this would raise the borrowing cost of builders and customers, impacting housing sales. With retail inflation remaining above the comfort level of 6 per cent and most global peers, including the <keyword id="117388" type="General" weightage="50" keywordseo="us-fed" source="Orion">US Fed</keyword>, continuing their hawkish stance, industry experts feel the Reserve Bank of India may go in for a 25 basis points hike in the bi-monthly monetary policy to be announced on April 6. Confederation of Real Estate Developers' Association of India (Credai), having more than 13,000 developers as members, has "urged the RBI to not to increase the repo rate any further, citing the financial challenges faced by developers and the potential impact on housing sales due to the consequential rise in prices and home loan rates". In the last one year, the body said, the repo rate has increased from 4 to 6.5 per cent and another hike would lead to even higher borrowing costs for developers. Credai National President Harsh Vardhan Patodia said, "In the last 1 year, the cost of construction has risen rapidly due to the gradual increase in repo rates by the RBI, which has adversely impacted many developers as they struggle to cope financially. Another repo rate hike would not only make certain projects financially unfeasible, but it would also deter homebuyers as home loan rates will be at an all-time high". The association said housing prices rose by 5-6 per cent in the last one year and any hike in the repo rate would lead to even higher project costs and housing prices. It argued that the profit margins of builders would reduce. Interest rates on home loans would touch almost double-digit home loan rates, deterring customers from purchasing properties, especially in tier 1 cities, Credai said. "This could lead to a slowdown in the real estate market and result in homebuyers postponing their purchase plans, reversing a trend in the post-CODVID era wherein homebuying was on the rise," it cautioned. Property consultants and developers also feel that sales could be hit in case of a further rise in mortgage rates. Housing.com CEO Dhruv <keyword id="274894" type="General" weightage="80" keywordseo="agarwala" source="Orion">Agarwala</keyword> said the RBI would probably stick to a moderate increase in its benchmark lending rate in the upcoming policy announcement, before hitting a pause button on hikes later in 2023. "The move is likely to have limited impact on real estate demand as home purchase decisions are driven and determined by several factors other than just home loan rates. That said, borrowers would feel the pinch of this increase in rates as home loan EMIs for existing and new loans would go up," Agarwala added. Realty firm Signature Global Chairman Pradeep Aggarwal said any further increase in policy rates could push the home loan interest rate beyond the psychological barrier of 10 per cent, "which could have a substantial impact on buyer sentiments and affordability". <keyword id="12503468" type="General" weightage="50" keywordseo="vimal-nadar" source="Orion">Vimal Nadar</keyword>, Head of Research at Colliers India, said home loan interest rates are already at an alarmingly higher level of 9.5 per cent and above. "With homebuyers already stretched on EMIs and loan tenures, a further hike in interest rate will hit them hard. The impact will be compounded in the current environment where the industry expects a lesser increase in income levels with housing prices remaining firm," Nadar said. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/small-stocks-lag-behind-in-fy23-take-bigger-hit-than-bluechip-firms/articleshow/99117250.cms">Small stocks lag behind in FY23; take bigger hit than bluechip firms</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/tamil-nadu-says-nahi-to-dahi-over-hindi-name-on-curd-packets/articleshow/99116854.cms">Tamil Nadu says 'nahi to dahi' over Hindi name on curd packets</a>

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EMIs put on hold, big-bang interest rate cut as RBI joins fight against coronavirus

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India's banking stocks are down 7% this week despite a rate cut by RBI and a pause on new bad loans and bankruptcies

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Israel and Hamas agree to hostage deal in a major diplomatic breakthrough

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Hopefully, this is last rate hike by RBI in current cycle: Industry, experts

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