Ashwini Tewari, MD of SBI, states that there will be pressure on liquidity and margins until credit growth exceeds deposits. He anticipates a possible rate cut in January-February, with overall credit growth expected to be in the range of 12-15%. Tewari notes that deposit rates typically decrease with a lag after a rate cut, and he does not expect deposit rates to decline at this time. He warns that margin pressures will increase if rate cuts occur, adding that T-Bill rates have already fallen. He emphasizes the need to continue monitoring the portfolio of consumption-related lending based NBFCs.

#rbimpc #sbi #rbimpc
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