Indian Banks Introduce Semi-Fixed Home Loans to Deploy Surplus Liquidity

Major lenders including HSBC and Kotak Mahindra Bank are launching semi-fixed mortgage products that offer stable rates for an initial period before transitioning to floating rates. The innovation aims to optimize lending margins while attracting borrowers seeking rate certainty.

3 Sept, 19:29 — 3 Sept, 19:29

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economic-times1d ago

Banks offer semi-fixed loans to deploy surplus liquidity

Banks are deploying surplus liquidity through new mortgage products. HSBC and Kotak Mahindra Bank lead with semi-fixed home loan options. These products offer fixed rates for a period before switching. This strategy aims to protect lending margins amid interest rate uncertainty. Surplus funds are also being considered for government securities.

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Indian Banks Introduce Semi-Fixed Home Loans to Deploy Surplus Liquidity

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Banks offer semi-fixed loans to deploy surplus liquidity

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