Cost of credit

Cost of credit:- The cost of credit in India refers to the expenses incurred by borrowers when they take loans or use credit facilities. These costs are influenced by a variety of factors, including interest rates, fees, and the specific terms of the loan or credit arrangement. Here's a detailed breakdown:

(भारत में ऋण की लागत उस खर्च को संदर्भित करती है जो उधारकर्ताओं को ऋण लेने या क्रेडिट सुविधाओं का उपयोग करने पर होता है। इन लागतों को ब्याज दरों, शुल्कों और ऋण या क्रेडिट व्यवस्था की विशेष शर्तों सहित विभिन्न कारकों से प्रभावित किया जाता है। यहाँ इसका विस्तृत विवरण दिया गया है:)

i. Interest Rates (ब्याज दरें):-

Base Rate (बेस रेट):- This is the minimum interest rate set by banks below which they cannot lend, except in certain cases like priority sector lending.

(यह न्यूनतम ब्याज दर है जिसे बैंकों द्वारा निर्धारित किया जाता है और इसके नीचे वे उधार नहीं दे सकते, कुछ मामलों जैसे प्राथमिकता क्षेत्र ऋण को छोड़कर।)

Marginal Cost of Funds based Lending Rate (MCLR) (मार्जिनल कॉस्ट ऑफ फंड्स बेस्ड लेंडिंग रेट):- Introduced by the Reserve Bank of India (RBI) in April 2016, MCLR is the internal benchmark or reference rate for banks to determine the interest rates on loans. It is determined by the marginal cost of funds, operating costs, and the cost of maintaining the cash reserve ratio (CRR).

[भारतीय रिजर्व बैंक (RBI) द्वारा अप्रैल 2016 में शुरू किया गया, MCLR वह आंतरिक बेंचमार्क या संदर्भ दर है जिसका उपयोग बैंक ऋणों पर ब्याज दरें निर्धारित करने के लिए करते हैं। इसे फंड्स की मार्जिनल कॉस्ट, परिचालन लागत और कैश रिजर्व रेशियो (CRR) बनाए रखने की लागत से निर्धारित किया जाता है।]

Repo Rate (रेपो रेट):-

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