4 Reasons why Banking stocks are falling | Banking sector facing biggest challenge in 2 decades

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4 Reasons why Banking stocks are falling | Banking sector facing biggest challenge in 2 decades

0:0 Introduction
1:37 4 Reasons why banking stocks falling
9:11 Expectation - Near to medium term

#sahilbhadviya #banknifty #fundamentalanalysis

[Peterl]

The bank crisis isn't over yet, and experienced individuals know credit crises don't end quickly. Some find it amusing that some think it's resolved, but in reality, we're headed for a major economic downturn due to this credit contraction.

[sarthak]

if govt cut down/cut tax on FD interest, that will surely increase the deposits.

[markdelwin]

RBI simply needs to put a tight slap on Nirmalas face and ask her to immediately remove taxes on FD and saving account interest income, so simple 😂😂😂😂

[chandrodaysingh]

1. Liquidity crunches due to slow deposit growth compared to credit growth
2. Increase in Liquidity coverage ratio (LCR) from next financial year
3. NIM Pressure on banks due to increase in deposit interest rates

[Marnel-bl]

I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.

[MULTIRAGE]

Most important reason is Taxation
Imagine getting 1-2% real interest rate (post inflation) and you have to pay income tax on it as per your slab. This is stupid. At least increase 10k deposit exemption to higher amount or tax at 12.5% like rest

[srinivasram]

1) no respect to customers in banks
2) they started selling wrong products like ulips and insurance policy. They keep irritating once we visit branch.
3) for any loan/locker they are putting restriction to buy insurance or ulip


But they want FD from customers which doesn’t beat inflation after taxes..
And our arrogant finance minister listen to user questions patiently but give some random answer that middle class are born to pay taxes and should stick with FD’s…

[TheAkhildogra]

I’m holding HDFC Bank with 0% profit for past 2 years 😂

[AlexandraGray-t]

Tesla stock dipped severally, resulting to about 23% drop in the shares value this month. I seriously need suggestions on how to diversify my $400k portfolio made up of volatile TSLA.

[DRNARENDRA_ORTHOPEDICS_VIZAG]

Idfc first bank giving 7.25 % progressive interest on savings account above 5 lacs... I. E from 1-5 lacs 3%, , above 5 lacs 7.25%...good idea to park our15- 20% holding money for market correction

[llawliet]

Another reason is many P2P lending companies were taking a lot of deposits while not following the regulations. RBI has cracked down on then recently.

[siddhantjaiswal]

Who India is stuck in banking stocks. This has to be one of the most over owned sectors in india.

[kaushikganesh]

I'm buying hdfc, kotak, icici, axis and sbi heavily from the last 2 years.

[rjohn]

Tax terrorism is the main problem of indian economy. There is no returns after tax in FD

[ravibadola]

I am surprised that he hasn't mentioned the one stock that is most underrated, undervalued wrt peers and out performing.
Yes I am talking about canara bank.

[devangkhalkar]

Everyone says that only 4% of India's population is investing in stock market.
So how come this has created such a huge impact on bank deposits??

[reddydcm]

RBI has been doing a pretty decent job by balancing growth and inflation but regulation is a bit tight when it comes to banking sector. Proposed increase in LCR, provision for standard assets and nudging banks to pass on lower interest rates immediately after repo rate cuts (while the interest rates on deposits are fixed for the entire tenure, loan rates are floating and need to be reduced based on repo rate changes), govt’s reluctance to provide tax incentives for bank depositors, stricter norms on asset quality, pathetic functioning of NCLTs and courts in dealing with bank defaults etc etc need to be addressed with a sense of priority and urgency. It is time to bring about structural reforms in banking.

[seekertruth]

Recently I went to ICICI bank to open account for my son. They told me to deposit 50000 I asked why 50 k 10 k is enough. But they said I cant open account unless I keep 50k. And I can withdraw that in 2 days but for two days I need to keep it in account.

Later realized they have to meet deposit target.

Any way I withdraw 50 k and now keep 10 k as its mandatory otherwise service charges will be applicable.

[gyanaavaibhav]

Interest in stock market does not take the deposits away it is just being transferred from one person to another buyer to seller and the growing interest is from the Gen Z who focuses on Option Trading not long term investing them losing money and the institution Marin money is just transfer of money from one account to another

[DineshRaju-prfd]

Minimum balance maintenance charges and taxes are the main reason .