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Indian Banks Need Enhanced Assessment of Interest Rate Impact
The Statesman Delhi
|July 10, 2025
The change in repo rate is the most reliable predictor among key banking metrics like advances, deposits, and Net Interest Income (NII) that affect lending activities, a report said on Wednesday, adding that banks need enhanced assessment of the interest rate impact.
However, it takes 12 to 24 months for the full effects of rate changes to materialize in banking performance as transmission is neither immediate nor uniform, showed a Boston Consulting Group (BCG) study.
"Such policy rates are often increased to cool down an overheated economy, to rein in inflation," said Deep Narayan Mukherjee, Partner and Director, BCG.
"While rates act as enablers, the actual expansion of credit hinges on borrower sentiment and lenders' risk appetite," Mukherjee added.
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