State Bank of India chairman Dinesh Khara said the growth in unsecured loans will depend on the cost of credit because there is a risk premium over the base cost.
"What is being attempted is to slow indiscriminate lending. There won't be any impact on consumption," Khara told a leading television channel.
Virat Diwanji, group president and head of consumer banking, Kotak Mahindra Bank, added that if the cost of loans goes up, there could be some impact on growth of unsecured loans. "Most lenders would likely reprice their loans following the rise in the risk weight in order to protect their returns," he added.
Industry experts expect that the growth in unsecured loans will moderate to around 25% from over 30% witnessed in the past.
この記事は Financial Express Mumbai の November 18, 2023 版に掲載されています。
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この記事は Financial Express Mumbai の November 18, 2023 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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