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| Name | Good News for Jio Financial Services | Bad News for Banks & NBFCs | Parimal Ade |
| Video Uploader | Video From Parimal Ade |
| Upload Date | This Video Uploaded At 17-11-2023 02:32:42 |
| Video Discription | Promo Code: HAPPYDIWALI (65% Discount on Model Portfolios) https://Investyadnya.in In this informative video, we delve into the recent changes introduced by the Reserve Bank of India (RBI) regarding personal loans and credit cards. The RBI has significantly tightened norms, leading to an increase in risk weights for banks and non-banking financial companies (NBFCs). These new regulations demand a higher capital requirement for each loan issued. Key Points Covered: Risk Weight Increase: The RBI has raised the risk weights on retail loans, which include personal loans and credit card loans, from 100% to 125% for both banks and NBFCs. Impact on Credit Card Exposures: For credit card exposures, the risk weights have been increased by 25 percentage points to 150% for banks and 125% for NBFCs. Rationale Behind the Change: This move comes just a month after the RBI expressed concerns about the high growth in certain consumer credit components, urging banks and NBFCs to strengthen their internal surveillance mechanisms. Implications for Lending Rates: The increase in risk weight is expected to make personal loans and credit cards costlier. For instance, banks previously needed to maintain capital of Rs 9 for every Rs 100 loaned, but will now require Rs 11.25. Our analysis provides a comprehensive overview of these changes and their potential impact on consumers and financial institutions. Stay informed about these crucial developments in the banking sector with our detailed breakdown. Don't forget to like, share, and subscribe for more insightful financial news and updates! |
| Category | Education |
| Tags | Education Download MP4 | Education Download MP3 | Education Download MP4 360p | Education Download MP4 480p | Education Download MP4 720p | Education Download MP4 1080p |
