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RBI enhances liquidity pool

BY Realty Plus

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The Reserve Bank of India (RBI) on Tuesday advanced its Rs 25,000 crore variable rate repo auction to March 26 from March 30 on a review of the rapidly evolving financial conditions and taking into account the impact of disruptions caused by Covid-19.

Dr. Niranjan Hiranandani, National President – NAREDCO said, “RBI’s move to have priority sector lending to NBFC sector will resolve the liquidity in some form – this will provide relief to SME’s who were largely dependent on NBFCs. RBI’s immediate economic intervention is seeked without any further delay. Having said that, the menace of this pandemic has particularly hit at a very sensitive time since its Financial Year closing hence a fiscal the stimulus was required to cope up in this current scenario. India Inc will continuously seek economic intervention from the Government like suspending Bankruptcy Law for a few months, rescheduling loan repayments, a one-time rollover for debt-restructuring to salvage the economic challenges for real estate companies.”

“The RBI policy will continue to encourage Banks to lend to cash starved Real Estate focused NBFCs who are focusing on sub INR20 lacs Housing Loans, as this will be classified under Priority sector lending for Banks. This will incentivize NBFCs to lend more towards affordable home loans. This is in continuation with the Government's stance to focus on affordable housing and increase liquidity for Real Estate sector” said Piyush Gupta, Managing Director, Capital Markets (India), Colliers International. Manju Yagnik, Vice Chairperson, Nahar Group and Vice President NAREDCO (Maharashtra), " Steps taken by RBI to boost liquidity will help banks' confidence to lend at a time when the economy is facing several shocks. Taking cues from its global counterparts, expect RBI to come up with more measures in the form of payment forbearance/rate cuts in the next few weeks and Union government to compliment it in form of fiscal stimulus to help bring the economy back on track."

Mr. Rohit Poddar, Managing Director, Poddar Housing and Development Ltd said, “Considering the current situation of the country and its economy, RBI has tried to address the issues of the sector with this unconventional measure to infuse liquidity in the system. Variable repo rate auctions for Rs. 1,00,000 crore will enable the RBI to have better control on the liquidity situation in the economy. It is crucial to monitor the changing financial market conditions which will help in administering any need of additional liquidity support required to ensure normal functioning of the bank. This move definitely comes as a ray of hope for MSMEs and housing finance companies amidst the ongoing mayhem of COVID 19. However, a further repo rate cut will ensure more liquidity into the system that will in-turn support the economy during COVID-19”

This has been one of the many steps taken by the central bank to tide over a potential liquidity crisis. On 6 March, the central bank had announced two variable rate term repo auctions of Rs 25,000 crore each to be conducted on March 30 and March 31 to address any additional demand for liquidity and to provide flexibility to the banking system in year-end liquidity management. On Monday, the Reserve Bank of India said it would offer Rs 1 lakh crore to banks via repo operations in two equal tranches on March 23- 24, to tide over any liquidity requirement on account of disruptions due to coronavirus pandemic.

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