Margin Call: Banks cut rates to boost profits

April 19, 2025

Indian banks, including HDFC Bank and SBI, are strategically reducing savings account interest rates by 25 basis points to protect profitability amid declining CASA ratios. This move aims to lower the cost of funds and improve net interest margins, even as deposit growth faces challenges. Experts anticipate limited fund migration despite depositors shifting towards higher-yielding term deposits.

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Is Nifty expensive? Why judge today’s valuations through yesterday’s lens, asks Pankaj Pandey

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