Month: February 2021

Canara Bank reduces MCLR by 10 bps

Banking & Finance

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Our Bureau

Canara Bank has reduced interest rates on loans / advances by 10 basis points for overnight and one-month tenor with effect from February 7.

The bank has reduced its Marginal Cost of Funds Based Lending Rate (MCLR) on Loans / Advances by 10 basis points, and accordingly, the tenor linked MCLRs of the bank is as under: Overnight MCLR – interest rate 6.70 per cent; one-month MCLR – interest rate 6.70 per cent; three-month MCLR – interest rate 6.95 per cent; six month MCLR – interest rate 7.30 per cent; and one year MCLR – interest rate 7.35 per cent. Repo Linked Lending Rate (RLLR) continues to be at 6.90 per cent.

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Reserve Bank of India – Tenders

Tenders

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E-Tender No.: RBI/RBSC//465/2020-21/ET/465

The Pre-bid meeting for the captioned tender was held on February 03, 2021 at 11.30 a.m. in the Seminar Hall at Reserve Bank Staff College, Chennai, chaired by Shri Sirin Kumar, Deputy General Manager. Officials from Administration section, Protocol & Security cell and representative of prospective bidder participated in the meeting.

Shri D. Kamatchi Pandian, Manager (Administration), welcomed the participants (List attached – Annexure A) to the meeting and invited queries from the prospective bidder regarding the captioned tender.

The queries raised by the prospective bidder during the meeting along with clarifications and comments of the College are tabulated below:

SL No. Query Clarifications and Comments
1 Whether MSME certificate holders are eligible for any relaxation / exemption for EMD and SD? The bidder is required to remit EMD and the successful bidder is required to remit SD as specified in the tender document irrespective of their category.

Note – The EMD amount in figure mentioned in para 6 of Section – IV (General instructions of the Tender) may please be read as Rs.1,05,000/- and not as given.

2 Whether Banker’s Solvency Certificate already obtained in relation to another tender can be submitted by the bidder for the captioned tender? The bidder has to submit a fresh Solvency Certificate as per the format given in Annexure – XVII.
3 Whether the firefighting personnel deployed by the existing contractor has to be retained? The deployment of firefighting personnel on award of contract is at the discretion of the contractor complying with all tender conditions.
4 Whether the bidder is required to submit Labour License? The bidder has to submit documents as per para 3 (iii) of the Checklist of the Documents to be uploaded in Part I of the tender document.
5 Whether bidder needs to quote ESI, EPF, Bonus, reliever charges etc separately? No separate provision has been given in the tender document for quoting ESI, EPF, Bonus, reliever charges, etc., separately. However, the bidder may please refer to the requirements mentioned as ‘Note’ in Annexure – V of Part – II – Price (Financial) Bid.

No other charges except GST will be paid on the invoice amount by the College.

Note – The General Shift timings mentioned in the heading of Para 4 of Section III – Broad Scope of work may please be read as 9.30 a.m. to 5.30 p.m. and not as given.

Manager (Administration) thanked the participants for attending the meeting. The meeting ended at 12.00 p.m.

R. Kesavan
Chief General Manager
Reserve Bank Staff College, Chennai

Annexure – A

Bank’s Representatives Firm’s Name / Representatives
Shri Sirin Kumar
Deputy General Manager		 M/s Firstman Management Services
Shri Prakash. V, Business Development Manager
Shri Shaji Thomas
Assistant General Manager		  
Shri D. Kamatchi Pandian
Manager		  
Shri Saroj Kumar Singh
Manager, Protocol & Security		  
Smt Smriti Sagar
Assistant Manager		  

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RBI to conduct OMO of ₹20,000 crore on Feb 10

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The Reserve Bank of India (RBI) on Monday said it will purchase four government securities (G-Secs) aggregating ₹20,000 crore under open market operations (OMOs) on February 10, 2021.

This comes in the backdrop of yields moving up to touch an intra-day high of 6.1634 per cent (on Tuesday) last week on concerns about higher government borrowing.

Also read: Yield on 10-year G-Sec softens 4.85 bps

Following the announcement of the OMO purchase, yield on the benchmark 10 year G-Sec, carrying a coupon rate of 5.77 per cent, softened about 3-4 basis points in today’s trading so far against the previous closing yield of 6.1283 per cent.

Last Friday, when the monetary policy review was conducted, the G-Sec market didn’t seem impressed with the liquidity and regulatory measures that were announced.

Yield on the 10-year benchmark G-Sec edged up about 3 basis points on February 5, 2021, to close at 6.1283 per cent and its price declined about 23 paise to ₹97.45.

The OMO announcement for purchase of G-Secs — 6.18 per cent G-Sec 2024; 7.17 per cent G-Sec 2028; 5.77 per cent G-Sec 2030; and 6.19 per cent G-Sec 2034 — is expected to keep the yields in check.

The government will be borrowing ₹80,000 crore more in the February-March 2021 period. The gross borrowing programme next year is of the order of ₹12-lakh crore.

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Securitisation of retail assets by NBFCs, HFCs jump 61% in Q3

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Securitisation of retail assets by non-banking finance companies (NBFCs) and housing finance companies (HFCs) saw a healthy 61 per cent quarter-on-quarter (QoQ) jump to about ₹24,400 crore in Q3 (October-December) FY2021 against about ₹15,200 crore in Q2 (July-September) FY2021, according to ICRA.

The credit rating agency observed that ever since the sharp fall in domestic securitisation volumes (to ₹7,500 crore) seen in Q1 (April-June) FY2021, the securitisation market has been on a path of revival on a sequential basis.

The number of originators that undertook securitisation has also improved 50 in Q3 FY2021 as against 45 and 18 in Q2 and Q1 FY2021, respectively.

ICRA opined that investors and originators are again seeing securitisation as a viable funding tool given the healthy collections seen across most asset classes post the end of the moratorium period in August 2020 provided under Reserve Bank of India’s ‘Covid-19 Regulatory Package’.

Nevertheless, the securitisation volumes remain below the pre-Covid levels as reflected in the 48 per cent year-on-year (YoY) drop in Q3 volumes. Securitisation volumes in Q3 FY2020 were about ₹47,000 crore

Abhishek Dafria, Vice President and Head – Structured Finance Ratings, ICRA, said: “The increase in securitisation volumes in the past two quarters could be seen as a sign of the path to normalcy for NBFCs and HFCs at least as far as disbursements are concerned.

“The Covid-19 pandemic and the nationwide lockdown had led to a major shock to the system especially in Q1 FY2021, but as the lockdowns have eased and the Government has taken steps to revive the economy, the retail loan demand has picked up. We have seen healthy increase in securitisation transactions, especially by HFCs in Q3 FY2021.”

Dafria underscored that most investors maintain stringent filters during pool selection. Still, there is a considerable increase in appetite for purchase of such retail pools, mainly in the secured asset class, which will augur well for the market.

The agency has maintained its annual securitisation volume estimate at ₹80,000 crore to ₹90,000 crore for FY2021 with the quarterly growth momentum is expected to continue in the next fiscal year.

Securitisation volume dominated by secured assets

ICRA said the securitisation volumes have been largely dominated by the secured asset class this fiscal.

The proportion of mortgage-backed securities (MBS, includes home loan and loan against property) in the total securitisation volumes improved to 42 per cent for Q3 FY2021 compared to 33 per cent in H1 (April-September) FY2021 as the asset class has seen the least disruption in collections due to the pandemic and consequently, relatively lower spike in delinquencies.

The agency assessed that securitisation of gold loan pools, backed by stable security, continued to find investors, forming about 15 per cent of the volumes seen in Q3.

Sachin Joglekar, Assistant Vice President, ICRA, said: “Due to the uncertainty in the environment caused by the pandemic, we have seen investors increase their focus to the secured asset class where the losses would be restricted due to the presence of adequate collaterals.

“The dominance of asset classes like mortgage-backed loans and gold loans is a clear indication of the same. On the other hand, unsecured loans like microfinance loans continue to remain limited in the securitisation market, forming about 5-6 per cent in Q3 FY2021, as against 15-20 per cent seen in FY2020.”

However, even microfinance entities have seen a healthy increase in disbursement levels in recent months. ICRA expects their share in securitisation to improve from Q4 (January-March 2021) onwards as they would have better pool availability meeting the investor criteria.

While the delinquency levels have seen an increase across asset classes as expected post the end of the moratorium, ICRA has observed that the credit enhancement available in its rated transactions have been adequate to take care of any shortfall in collections which would also give confidence to the investors.

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‘In Q4, we are looking at growing the business, but methodically’

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The micro-finance sector is showing signs of improvement barring some lagging areas and customer sets. However, there is demand for credit, said Nitin Chugh, Managing Director and CEO, Ujjivan Small Finance Bank. In an interview with BusinessLine, he also spoke on the new products the bank is working on and discussed the third quarter results. Excerpts:

How is the micro-finance sector doing now?

In general things have improved, which is coming up in the collection efficiency of 94 per cent to 95 per cent. We had reported in our second quarter results that we have problems in Maharashtra, Punjab, and West Bengal, and haven’t come back to the pre-Covid level. In Assam, while things were improving, we have had a setback in January due to the loan waiver announcement by political parties, and (that) has resulted in 9 per cent drop in collection efficiency (during the month).

Even in customer segments, there is some divergence. Customers with general stores, and dairy were able to come back rather quickly. Those in small-scale manufacturing are taking longer to come back. Customers like housemaids, drivers, restaurant staff and mall workers were impacted for a much longer time.

Also read: Ujjivan SFB reports net loss of ₹279 cr in Q3

How has the restructuring process been?

You can’t expect or even plan for such things. The moratorium got over on August 31, 2020. September was the first month when customers started making payments. We had a collection efficiency of 83 per cent for payments, which improved to 88 per cent in October. But there are customers who are finding it difficult to pay after the moratorium got over. The whole estimation process started from October; we started talking to customers and did a full detailed survey. We spent December holding individual conversations and completing the whole process.

How is credit demand? You have reported strong disbursement in the third quarter.

Credit demand has started to come back as people started going back to their livelihoods.

Disbursement is even stronger in January. Demand is from all across. We did our highest ever in January in the affordable housing business. In MSME also, we did our ever highest in January. In micro-banking, we are back to pre-Covid level and exactly what we were in January 2020. In fact, in December 2020, we did even better than December 2019 in micro-finance. Likewise in vehicle finance. In the fourth quarter, we are looking at growing the business now but doing it methodically with the appetite for risk that we have.

You are working on gold loans…?

We are still learning the business. We are in pilot stage right now. We started in October with five branches, all of them in Bangalore. The first two months were not very remarkable as we were trying to do this more through word of mouth. We will launch it at scale in the next fiscal year. It is an unmet demand of our customers.

Also read: Assam MFI Bill may hit collections in short term

Any other new areas of lending?

In vehicle finance, we are testing MMCV (micro and mini commercial vehicle) loans. We are likely to make an entry into that segment. We were also evaluating the used car segments but with the Budget announcements on voluntary scrapping policy, we need to do some rethink on that. The segment of customers we deal with, they usually buy five- to seven-year-old vehicles and they buy them for a long period of time.

We are also looking to introduce credit cards in the next financial year. We have a substantially large base of retail, non-micro-finance customers. We have a large base with close to a million customers and the demand for these products is coming from them. We will also look at any other relevant product. Also, maybe lockers in a few of our branches.

Are you worried about stress on your books?

Now, we are not. We have taken all provisions upfront in the third quarter. Stress is emerging right now, the NPAs are at a standstill. We already had a cover on our books of 4.1 per cent to 4.2 per cent in the last quarter. It wasn’t that we were not adequately covered, we had taken provisions in the last three quarters also. We took the decision to upfront everything. Let us not live with any uncertainty and not worry about future credit loss, so that we can focus on growth.

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PhonePe partners with Axis Bank on UPI multi-bank model

Banking & Finance

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Digital payments platform PhonePe on Monday announced that it has partnered with Axis Bank on a Unified Payments Interface (UPI) multi-bank model.

The partnership will provide PhonePe users with the option to create and use multiple UPI IDs with Axis Bank’s “@axl” handle.

PhonePe will also start acquiring merchants with Axis Bank in addition to its partnership with YES Bank.

PhonePe to tap new revenue streams in financial services, consumer engagement

Digitisation push

Hemant Gala, VP Financial Services & Payments, PhonePe, said, “We are excited to partner with Axis Bank to provide our users an option to create and transact using @axl handle on PhonePe. Our platform now enables the users to choose between multiple handles for their UPI transactions on the multi-bank model. This partnership with Axis Bank will ensure greater business continuity for both our customers and merchant partners, making their transaction experience seamless.”

PhonePe launches ESOPs worth $200 m for its employees

“This collaboration with PhonePe strengthens our commitment towards digitisation of the Indian payment ecosystem. It will help expand our reach to customers and the merchant community while offering secure and seamless payment experiences,” Sanjeev Moghe, EVP & Head – Cards & Payments, Axis Bank, said.

PhonePe had emerged as the top UPI app in January, processing 968.72 million transactions worth ₹1.92 trillion, according to data by National Payments Corporation of India (NPCI).

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Reserve Bank of India – Press Releases

Press Releases

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(Amount in ₹ crore, Rate in Per cent)
  Volume
(One Leg)		 Weighted
Average Rate 		Range
A. Overnight Segment (I+II+III+IV) 0.00 – –
     I. Call Money 0.00 – –
     II. Triparty Repo 0.00 – –
     III. Market Repo 0.00 – –
     IV. Repo in Corporate Bond 0.00 – –
B. Term Segment      
     I. Notice Money** 0.00 – –
     II. Term Money@@ 0.00 – –
     III. Triparty Repo 0.00 – –
     IV. Market Repo 0.00 – –
     V. Repo in Corporate Bond 0.00 – –
  Auction Date Tenor (Days) Maturity Date Amount Current Rate /
Cut off Rate
C. Liquidity Adjustment Facility (LAF) & Marginal Standing Facility (MSF)
I. Today’s Operations
1. Fixed Rate          
     (i) Repo          
     (ii) Reverse Repo Sun, 07/02/2021 1 Mon, 08/02/2021 3,238.00 3.35
2. Variable Rate&          
  (I) Main Operation          
     (a) Reverse Repo          
  (II) Fine Tuning Operations          
     (a) Repo          
     (b) Reverse Repo – – – – –
3. MSF Sun, 07/02/2021 1 Mon, 08/02/2021 408.00 4.25
4. Long-Term Repo Operations –   –   –
5. Targeted Long Term Repo Operations – – – – –
6. Targeted Long Term Repo Operations 2.0 – – – – –
7. Net liquidity injected from today’s operations
[injection (+)/absorption (-)]*		       -2,830.00  
II. Outstanding Operations
1. Fixed Rate          
     (i) Repo          
     (ii) Reverse Repo Sat, 06/02/2021 2 Mon, 08/02/2021 10,384.00 3.35
  Fri, 05/02/2021 3 Mon, 08/02/2021 5,25,264.00 3.35
2. Variable Rate&          
  (I) Main Operation          
     (a) Reverse Repo Fri, 29/01/2021 14 Fri, 12/02/2021 2,00,007.00 3.54
  (II) Fine Tuning Operations          
     (a) Repo          
     (b) Reverse Repo          
3. MSF Sat, 06/02/2021 2 Mon, 08/02/2021 7,285.00 4.25
  Fri, 05/02/2021 3 Mon, 08/02/2021 6.00 4.25
4. Long-Term Repo Operations# Mon, 24/02/2020 365 Tue, 23/02/2021 15.00 5.15
  Mon, 17/02/2020 1095 Thu, 16/02/2023 499.00 5.15
  Mon, 02/03/2020 1094 Wed, 01/03/2023 253.00 5.15
  Mon, 09/03/2020 1093 Tue, 07/03/2023 484.00 5.15
  Wed, 18/03/2020 1094 Fri, 17/03/2023 294.00 5.15
5. Targeted Long Term Repo Operations^ Fri, 27/03/2020 1092 Fri, 24/03/2023 12,236.00 4.40
  Fri, 03/04/2020 1095 Mon, 03/04/2023 16,925.00 4.40
  Thu, 09/04/2020 1093 Fri, 07/04/2023 18,042.00 4.40
  Fri, 17/04/2020 1091 Thu, 13/04/2023 20,399.00 4.40
6. Targeted Long Term Repo Operations 2.0^ Thu, 23/04/2020 1093 Fri, 21/04/2023 7,950.00 4.40
D. Standing Liquidity Facility (SLF) Availed from RBI$       29,770.06  
E. Net liquidity injected from outstanding operations [injection (+)/absorption (-)]*     -6,21,496.94  
F. Net liquidity injected (outstanding including today’s operations) [injection (+)/absorption (-)]*     -6,24,326.94  
G. Cash Reserves Position of Scheduled Commercial Banks
     (i) Cash balances with RBI as on 07/02/2021 4,29,138.94  
     (ii) Average daily cash reserve requirement for the fortnight ending 12/02/2021 4,44,286.00  
H. Government of India Surplus Cash Balance Reckoned for Auction as on¥ 05/02/2021 0.00  
I. Net durable liquidity [surplus (+)/deficit (-)] as on 15/01/2021 8,08,585.00  
@ Based on Reserve Bank of India (RBI) / Clearing Corporation of India Limited (CCIL).
– Not Applicable / No Transaction.
** Relates to uncollateralized transactions of 2 to 14 days tenor.
@@ Relates to uncollateralized transactions of 15 days to one year tenor.
$ Includes refinance facilities extended by RBI.
& As per the Press Release No. 2019-2020/1900 dated February 06, 2020.
* Net liquidity is calculated as Repo+MSF+SLF-Reverse Repo.
# As per the Press Release No. 2020-2021/287 dated September 04, 2020.
^ As per the Press Release No. 2020-2021/605 dated November 06, 2020.
¥ As per the Press Release No. 2014-2015/1971 dated March 19, 2015.
Rupambara
Director   
Press Release : 2020-2021/1067

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Reserve Bank of India – Press Releases

Press Releases

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April 14, 2015





Dear All




Welcome to the refurbished site of the Reserve Bank of India.





The two most important features of the site are: One, in addition to the default site, the refurbished site also has all the information bifurcated functionwise; two, a much improved search – well, at least we think so but you be the judge.





With this makeover, we also take a small step into social media. We will now use Twitter (albeit one way) to send out alerts on the announcements we make and YouTube to place in public domain our press conferences, interviews of our top management, events, such as, town halls and of course, some films aimed at consumer literacy.




The site can be accessed through most browsers and devices; it also meets accessibility standards.



Please save the url of the refurbished site in your favourites as we will give up the existing site shortly and register or re-register yourselves for receiving RSS feeds for uninterrupted alerts from the Reserve Bank.



Do feel free to give us your feedback by clicking on the feedback button on the right hand corner of the refurbished site.



Thank you for your continued support.




Department of Communication

Reserve Bank of India


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Reserve Bank of India – Press Releases

Press Releases

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The Reserve Bank stands committed to ensure the availability of ample liquidity in the system in order to foster congenial financial conditions. On a review of current liquidity and financial conditions, therefore, the Reserve Bank has decided to conduct purchase of Government securities under Open Market Operations (OMO) for an aggregate amount of ₹20,000 crore on February 10, 2021.

2. Accordingly, the Reserve Bank will purchase the following Government securities through a multi-security auction using the multiple price method:

Sr. No ISIN Security Date of Maturity Aggregate Amount
1 IN0020190396 6.18% GS 2024 04-Nov-2024 ₹20,000 crore
(There is no security-wise notified amount)
2 IN0020170174 7.17% GS 2028 08-Jan-2028
3 IN0020200153 5.77% GS 2030 03-Aug-2030
4 IN0020200096 6.19% GS 2034 16-Sep-2034

3. The Reserve Bank reserves the right to:

  • decide on the quantum of purchase of individual securities.

  • accept bids for less than the aggregate amount.

  • purchase marginally higher/lower than the aggregate amount due to rounding-off.

  • accept or reject any or all the bids either wholly or partially without assigning any reasons.

4. Eligible participants should submit their bids in electronic format on the Reserve Bank of India Core Banking Solution (E-Kuber) system between 10:00 am and 11:00 am on February 10, 2021. Only in the event of system failure, physical bids would be accepted. Such physical bid should be submitted to Financial Markets Operations Department (email; Phone no: 022-22630982) in the prescribed form obtainable from RBI website (https://www.rbi.org.in/Scripts/BS_ViewForms.aspx) before 11.00 am.

5. The result of the auctions will be announced on the same day and successful participants should ensure availability of securities in their SGL account by 12 noon on February 11, 2021.

6. The Reserve Bank will continue to monitor evolving liquidity and market conditions and conduct open market operations and take other measures as appropriate to ensure orderly functioning of financial markets.

(Yogesh Dayal)     
Chief General Manager

Press Release: 2020-2021/1065

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Reserve Bank of India – Tenders

Tenders

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RBI/Mumbai/Others/8/20-21/ET/513

1. Reserve Bank of India, Protocol & Security Establishment, Mumbai Regional Office, Mumbai (RBI) invites E-tenders from eligible vendors/Suppliers/OEM “Tender for Supply of Bio-Compostable Bin liners of size (19”x21” & 30”x37”) to the RBI’s various Offices and Residential colonies in Mumbai.” The period of contract will be up to March 31, 2022 from 01/04/ 2021 OR date of award of work (issue of the work order) as per laid down contractual obligations (The Tender along with the prices shall remain valid initially for a period of 3 months from the date of opening of technical bid). The work is estimated to cost Rs. 65,60,000/- (Rupees Sixty five lakhs sixty thousand only) all taxes inclusive (including GST).

2. All Pre-Qualification papers shall be uploaded on MSTC site and same will be downloaded at the time of opening part-I of tender for examination by the Bank.

3. The Earnest Money Deposit (EMD) of Rs. 1,31,200/- (Rupees One lakh thirty one thousand and two hundred only) may be remitted through NEFT or furnish the Bank Guarantee in respect of the said amount. The Bank Guarantee (from Scheduled Commercial Bank) submitted towards Earnest Money deposit has to be valid for the validity period of the tender plus additional 90 days. Documentary evidence in support of remittance shall be submitted in sealed cover addressed to The Regional Director, Reserve Bank of India, Protocol and Security Establishment, Mumbai-400 001 so as to reach P&SE Office up to 2:00 PM on 08/03/2021 super scribing as “EMD for “Supply of Bio-Compostable Bin liners of size (19”x21” & 30”x37”) to the RBI’s various Offices and Residential colonies in Mumbai.”

4. Online tenders will be available for viewing /download from 11.00 AM on 08-02-2021 from the website www.mstcecommerce.com.

5. A pre-bid meeting (off-line mode) of the intending Tenderers will be held on 11-02-2021 at 11.00 AM.

6. Place of Pre Bid meeting:

Protocol & Security Establishment, Reserve Bank of India, Mumbai Regional Office, First Floor, Main Building, SBS Road, Fort, Mumbai- 400001.

7. Place, Time and date before which written queries for Pre-bid meeting must be received:

Protocol & Security Establishment, Reserve Bank of India, Mumbai Regional Office, First Floor, Main Building, SBS Road, Fort, Mumbai- 400001 by 12:00 PM on or before 10-02-2021.

8. The duly filled in tender documents shall be uploaded on MSTC site. (Date of Starting of online submission of e-tender from 16-02-20201 at 11:00 AM and Date of closing of online submission of e-tender is 08-03-2021 up to 5:00 PM)

9. Part I of the tenders will be opened on-line at 2.30 PM on 09-03-2021 in the presence of the authorised representative of the Tenderers who choose to be present. Part-II (Price bid) of the eligible Tenderers shall be opened on a subsequent date which will be intimated to the Tenderers in advance.

10. RBI is not bound to accept the lowest tender and reserves the right to accept either in full or in part any tender. The Bank also reserves the right to reject any or all the tenders without assigning any reason there for.

Regional Director

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