By Admin 
Bank credit falls in metropolitan branches: Till now it was believed that due to different needs, people of cities are taking loans from banks. It was the perception that people take a loan and spend most of their earnings only on repaying their EMI. But, the recent report of RBI has come, it is completely opposite.
That is, there is now a big change in the loan amount given by the bank. The RBI report has revealed that during the last five years, the share of loans in metropolitan branches from different branches of the bank has come down from 63.5 percent to 58.7 percent, while bank loans have increased rapidly from village to semi urban and urban areas.
Decrease in bank loan in metros
According to the RBI report, the branches of the bank built inside the village and the town have performed much better in terms of loan. However, despite the decline in loans, bank branches in metros have increased by 11.7 percent as an annual deposit, while in rural, 10.1 percent and 8.9 percent in semi -urban, while urban centers have increased at the rate of 9.3 percent.
The growth rate of bank loan, which was 15.3 percent during the last five years, has come down to 11.1 percent of the range of financial year 2024-25. Apart from this, five years ago, where the deposit rate was 13 percent, it has now come down to 10.6 percent.
Decreased savings deposit share
Along with this, due to high interest rate on fixed deposits, where two years ago, the share was 33 percent, while it has come down to 30.8 percent a year ago and now it has come down to 29.1 percent.
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