8 Apr 2022 , 03:06 PM
2) Individual Housing Loans — Rationalization of Risk Weights
Supported by the competitive mortgage rates from lenders, the demand for home loans has been robust and though the property prices have been on an increasing trend. The continuation of relaxed risk weights on home loans reflects RBI’s view to support the housing market growth and the multiplier effect the housing market has.
3) SLR Holdings in HTM category
Increase in HTM limits by 1% could create an additional headroom of Rs1.6-1.7 trillion for banks to hold the government securities without marking them to market in a rising bond yield scenario and thereby preventing any losses. This could improve the appetite of banks for government securities and facilitate the large borrowing programme of central and state governments while moderating the rising in yields. However given the overall size of the government borrowings, the absorption of the large supply could remain a challenge.
– Anil Gupta, Vice President & Co-Group Head, ICRA.
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