Moneycontrol
    Moneycontrol PRO

    Basic Liquidity Ratio

    Jump to

    • Volatile rupee shifts spotlight on banking system liquidity

      The rupee sank to new intraday low of Rs 92.30 on March 4 on rising crude prices and growing concerns around widening West Asia conflict

    • MPC Poll | RBI likely to hold rates today, focus shifts to liquidity management, transmission

      The February policy is expected maintain the repo rate at 5.25% as the RBI shifts focus from rate cuts to liquidity infusion, experts say.

    • Is silver's record rally running out of steam?

      Silver's explosive 250% rally has pushed it to record highs, but signs of demand destruction and institutional profit-taking suggest the historic surge may be losing momentum.

    • RBI doesn’t hold back on liquidity measures, but needs a fiscal hand too

      Changing contours of global trade and increasing volatility is something that the government must address.

    • OPINION | The scale of borrowing expected in the Budget may keep yields sticky

      The Budget will herald a shift to a new fiscal anchor, the debt-to-GDP ratio. Given the indicative glide path to lower the ratio, interest rates are unlikely to decline sharply 

    • RBI to purchase Rs 50,000 crore worth of G-sec via OMO Purchase auction on January 5

      On December 29, the central bank injected Rs 50,000 crore through OMO purchase of Government of India securities, in to the banking system.

    • Banks raise record Rs 13.17 lakh crore via CDs in 2025 amid weak deposit growth

      The surge in CD issuances comes at a time when banks are grappling with sustained pressure on low-cost deposits.

    • RBI injects Rs 50,000 cr in banking system via OMO purchase auction

      On December 23, the RBI had announced additional measures such as conduct of Open Market Operation (OMO) purchase of governments securities and USD/INR Buy/Sell swap auction to inject durable liquidity to the banking system after review of current liquidity and financial conditions.

    • RBI opens the tap, but liquidity deficit may greet banks in early 2026

      On December 23, the RBI announced that it will conduct Rs 2 lakh crore OMO purchase auctions of Government of India securities in four tranches, and USD/INR Buy/Sell Swap auction of $10 billion for a tenor of 3 years. Majority of the auctions will be held in January, except one OMO purchase which is scheduled on December 29, 2025.

    • Credit utilisation ratio: The lesser-known number that drives your credit score

      Your credit utilisation ratio is a simple percentage, yet it has outsized influence on how lenders and credit bureaus view your borrowing behaviour and creditworthiness.

    • RBI may pause OMO purchases, turn to VRR auctions for liquidity management

      The central bank in this month has provided durable liquidity of Rs 1.50 lakh crore through OMO purchases and USD/INR Buy/Sell swap auctions. Additionally, through VRR auctions, the central bank inject liquidity worth Rs 2.60 lakh crore.

    • Banking system liquidity turns deficit nearly after two months despite RBI’s support

      According to the RBI’s data, banking system liquidity stood at Rs 60,787.81 crore deficit as on December 17. This marks a deficit after October 28, 2025, when the deficit stood at Rs 8,083.79 crore.

    • India Inc’s interest cover peaks, but the real story may be weak demand

      Lower interest costs, tax tweaks and healthy balance sheets paint a bright picture. Yet underneath it all lies a question: is the economy signalling a demand problem?

    • RBI MPC | Is RBI preempting liquidity tightening in later part of December?

      RBI cut repo rate by 25 bps and announced OMOs plus a USD/INR swap to inject durable liquidity ahead of December tax outflows, easing rate and liquidity stress.

    • Debt-to-income ratio: Why this simple number can make or break your personal loan

      A clear look at how lenders use this number to decide whether you qualify — and how it affects the loan amount you get.

    • RBI can explain a liquidity measure easier than a rate cut this time

      The need of the hour is not a debatable rate cut but a fix for liquidity

    • Why the banking liquidity crunch will continue

      India's banking system liquidity has dropped sharply, driven by massive foreign exchange interventions that have overshadowed the RBI's liquidity-boosting measures

    • Indian companies to experience escalation in compliance costs under the new labour codes

      Apart from higher contribution towards employee PF, companies also have to spend more on employee health and safety measures, say experts.

    • Banking system liquidity gains wiped out by RBI’s forex intervention, credit growth

      Even as factors such as currency in circulation increase, forex interventions and increase in credit demand have been major drivers of a reduction in systemic liquidity. That said, liquidity still remained in the surplus zone -- at around Rs 2.11 lakh crore -- resulting in money market rates staying in the lower end of the curve.

    • Banks' CD issuances fell sharply by 58 percent in October on comfortable liquidity

      Punjab National Bank, SIDBI, Axis Bank, IDFC First Bank and Bank of India remained top five issuers in October raising around Rs 37,490 crore.

    • Commercial Paper issuances down 66 percent in October as yields harden

      Yield on commercial papers (CP) have hardened by 15-17 basis points amid fluctuation in the systemic liquidity in the banking system.

    • Festive spending, GST outflow push liquidity into deficit

      Currency in circulation usually surges during the festive season, resulting in lowering liquidity in the banking system

    • What is FOIR, and how does it affect your personal loan approval

      Understanding your FOIR can help you plan your personal loan better and increase your chances of approval.

    • Lenders turn cautious on gold loan borrowing limits

      Sources say loan to value by leading NBFCs and a few banks in the gold loan segment has started reducing by 2 – 4 percent, in anticipation of a likely dip in gold prices.

    • Does a high credit utilisation ratio hurt your credit score?

      Using more than 30 percent of your card limit regularly can drag your score down—here’s how to fix it.

    Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347