In FY25, Indian banks have significantly increased their investments in mutual funds, marking a strategic shift in asset allocation. This move is driven by subdued credit demand and an abundance of liquidity in the financial system.
📊Key Highlights:
1️⃣91% Surge in Investments: Banks‘ investments in mutual funds soared by 91% to ₹1.19 lakh crore in FY25, as they sought better returns amid limited lending opportunities.
2️⃣Preference for Liquid and Money Market Schemes: Banks are primarily channeling funds into liquid and money market mutual fund schemes to optimize short-term returns.
3️⃣Impact on Deposit Growth: This trend has contributed to suppressed deposit growth, as banks allocate surplus funds to mutual funds instead of traditional deposit avenues.
🔍RTIwala: Empowering Financial Institutions
In this evolving financial landscape, RTIwala offers invaluable support to banks, SMEs, and startups by providing access to:
1️⃣Regulatory Insights: Obtain detailed information on compliance, licensing, and regulatory approvals essential for investment activities.
2️⃣Market Intelligence: Access comprehensive data on industry trends, competitor analysis, and market opportunities to inform strategic decisions.
3️⃣Due Diligence Support: Leverage RTIwala’s resources to conduct thorough due diligence, ensuring informed and secure investment decisions.
🌍The Banking and Financial Services Industry Leaders:
These are HDFC Bank, State Bank of India, ICICI Bank, Axis Bank, and Kotak Mahindra Bank — some of the popular companies innovating in the mutual fund and liquidity management industry.
🚀And, these are the remarkable startups of banking and investment industry:
Groww, Zerodha, INDmoney, and Kuvera — transforming retail investment and digital wealth management in India.
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