Why Bank Deposits are Falling? 📉 Economic Survey Analysis by BK Sinha
Автор: Banking with BK SINHA
Загружено: 2026-02-02
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Why Bank Deposits are Falling? 📉 Economic Survey Analysis by BK Sinha #sbi #ibps #rrb #banking
In this video, Birendra Kumar Sinha (Retired Chief Manager, SBI) discusses a critical concern for Public Sector Banks: the rapid decline in Savings and Fixed Deposits over the last 10-12 years.
Based on the latest Economic Survey Report, we analyze why investors are shifting towards Mutual Funds, Equity Shares, and Gold, and how this "Deposit Flight" impacts the bank's ability to provide credit facilities and maintain profitability.
Key Discussion Points: ✅ Reasons for the decline in CASA and Fixed Deposits. ✅ Impact of Mutual Funds, SIPs, and Stock Market on Banking. ✅ Suggestions to improve deposits: Increasing SB & FD interest rates. ✅ Policy changes needed: Income Tax exemptions on interest and better insurance for depositors. ✅ The future of credit facilities if deposits continue to fall.
This session is highly beneficial for bank employees, new joiners, and students preparing for IBPS, SBI, and RBI exams.
#BankingAwareness #EconomicSurvey2026 #PublicSectorBanks #SBIPO #IBPS #BankingMotivation #BKSinha #FinancialNews #BankDeposits
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