What concerns has RBI raised about India’s financial stability

While overall NPA levels are falling & banks look in good health, RBI has highlighted a few areas of concern that could hurt India’s financial stability. Economist Radhika Pandey and Deputy Editor TCA Sharad Raghavan discuss in #MacroSutra.
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[@ykrishv]

Declining NPAs in PSU banks reflects the non interference from Govt. This was unlike of UPA era with such humongous corruption was prevalent.

[@srinisbir8781]

🙏

[@Deathwish_99]

Slight correction: Education loans are collateral free till 7.5 lakh not 4 lakh

[@kallachi729]

Sharad, concerns are also good news. If we do not recognize them in time they will become bad news. Thanks for raising them

[@puggleski6097]

Its a multipolar storm : F&O operations, an excess of capacity in metro real estate driving down realizations ( rental and otherwise ), a combination of gig employment and rising costs ( esp medical and education costs ) pushing urban households into debt, rise of usury in poor urban neighbourhoods, GST evasion, and a general feeling of unease and apprehension that official corruption ( small *and* big ticket ) is back to the usual.

[@abhinavsrivastava1461]

Thank you for taking my question. Top quality content, the best talk on economy anywhere on KZbin. 🙏🏻

[@mady5647]

Interestingly NPA % in loans for education is very-high while home is low. It seems borrowers prioritize home which is collateral in the loan.

[@gootypraneeth3372]

Where is Shekar sir!!! We are worried!! It's been weeks since last cut the clutter was released 😢

[@vedchavan]

At least post a link to her article in the description and comments

[@Hanamantaray]

Tax the nation looters Rich farmers, land lords, rich panchayat farmer members (in my village 3 farmers who are panchayat members but have 100-300 acre land) these people are getting95% of agricultural subsidies, most of the government’s agricultural policies are helping these looters instead of helping marginal and small farmers.

[@therelaxlead676]

The element of Law and Big Farmers' lobby won't let it happen , after all we are a doomed nation with no particular record of Economic Justice but we have an outcry for Social Justice . Heading towards a failed state if the anarchy of Big Farmers continues

[@ananthaharijith1965]

This is only going to get worse once Rahul comes to power. That’s bound to happen. India as a nation has no future. It will never become a middle income country

[@mady5647]

Not only that people who are well-off, can afford still shamelessly avail subsidies in LPG, food-grains, tutition-fees...

[@bidyutbikashsaikia1140]

Education loans are defaulting because jobless is very high