MCLR (Marginal Cost of Funds Based Lending Rate) - Explained in Hindi
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- Опубліковано 22 сер 2024
- MCLR or Marginal Cost of Funds based Lending Rate is explained in hindi. MCLR policy, Base Rate policy, BPLR policy are discussed and compared. We will understand the historical evolution of interest rates in India and see the comparison of mclr rate vs base rate.
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All banks have to update MCLR on monthly basis. I have shown the example of MCLR of SBI in this video.
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MCLR or Marginal Cost of Funds based Lending Rate को हिंदी में समझाया गया है । MCLR policy, Base Rate policy और BPLR policy को discuss और compare किया गया है ।हम India में Indian rates के historical evolution को समझेंगे और MCLR rate व Base rate के comparison को देखेंगे ।
सभी banks को monthly basis पर MCLR अपडेट करना होगा । मैंने इस Video में SBI के MCLR का Example दिखाया है।
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• MCLR (Marginal Cost of...
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In this video, we have explained:
What is the concept of MCLR?
How did the historical evolution of MCLR happen?
What are the benefits of Marginal Cost of Funds based Lending Rate?
What is BPLR?
Difference between base rate and MCLR?
What is the base rate policy?
When did the base rate policy evolve in India?
How to calculate base rate?
What are the issues with base rate policy?
When did MCLR policy evolve in India?
What are the components of base rate?
What are the components of MCLR?
What is negative carry on CRR and SLR?
What are marginal rates?
What do you mean by tenor premium?
Where is MCLR applicable?
How many tenors of MCLR to be published every month ?
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Hope you liked this video in Hindi on “MCLR (Marginal Cost of Funds based Lending Rate)”.
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I m a UPSC aspirant. Really you explained it in a better way. THANKS
Good to know that my videos are helping you. 😊
yes sir your videos are helping to UPSC aspirants.
Likewise
@@AssetYogi bhut helpful hai sir.. ab please EBLR ki bhi ek video lekar aao.
I am civil services aspirant. You hv explained this topic way better than any other channel. Fantastic
aapse acha concept koi nahi samjha sakta sir.. mne sari youtube pe search kiya tha ye topic kuch week phle khi se bhi sahi trah se samajh nhi aaya tha kyuki kisi ne is trah detail or easy language me explain nahi kiya tha. thanku sir
Rajat Mehta subodhgupta is also good bro
Topics
1.Nbfc _plr
2.Spread charges
3. Can a financial institution use plr in present time(nov 2022)
4. What is the relation between plr and rate of interest in home loan , please explain with real world example including spread charges and tenure
5. External benchmark lending rate
i have read this topic multiple times, but it never got into my head. this video made this topic crystal clear. thank u sir....
Aapse acha koi nhi samjhata aur sir padhane ke intereste v na ho apke voice sunke padhena icha aur badh jata he sab kuch janeka ap samjhte itine achese thank u sir 🙏🙏🙏🙏🙏
Aapko last year se follow kar rha hun. Bank PO interview k prep liye bht help ho rha hai.
2-3 video dekh chuki but satisfaction abhi Mila , great explaination
Good to hear that
Better than mrunal..Sir plz take whole economy
Lomesh Rane bhai bas kar pagle rulayega kya
saabas
Sir as i am bank Aspirant so i request you to make videos on such topics which are helpful for bank Aspirants. Also, your all videos are very helpful. These helped me a lot in understanding financial terms and concepts. 🙏
Keep learning Ambika :)
Aam aadmi ko bhi bahut aasani se samajh me aa jayega, aapka explanation.
Sir maine ish topic ko bht dhudha khi nh smjh aya
But aapne bht easy way me explain kiya thank u
Glad to hear that Upama 😊
Very well explained . I work in Pvt Bank but I didn't know many things about MCLR you discribed it and I understand things. There is new External Benchmark Repo Rate issued by RBI . Request you to upload a video on EBLR Repo Rate also. You are doing worderful job . Good bless you
Thanks a lot for the videos sir.
I have a couple of recommendations for your future videos ( I couldn't find a decent video explaining these):
1. Incremental Capital Output Ratio
2. Harrod - Domer Growth Model
Great content as always!
Best Video ever on MCLR in UA-cam
Great video sir 🙏
Thanks for appreciation Rohit 😊
Sir please make a video on External Benchmark Rates. Taaki sab doubts ek baar mein hi clear hojaye. Aap ekdum acche se samjhate hai.
Thank U Sir.. It Is Too Understandable..🙏🙏
Explanation is so much appreciable and understandable also😊😊
Thanks 😊
Very nice.....can we please know how does LIBOR works in international borrowings...
MCLR is applicable for India bulls housing finance Ltd or not, please suggest . Very Very thanks for understanding term MCLR , you have presented very clear concept in short time.Very good knowledge
Thank you Sir,,,please upload a video how to calculate MCLR based on balance sheet of a Bank.please elaborate point wise calculation
Beautifully elaborated, thank u so much sir🙏
You're most welcome
Last 50 second are easy to understand universaly.
Before it was more teq. Informative.
One of the finest explaination sir...
Thanks
superb teaching skills sir. if you will make video courses for jaiib and caiib it will be the most wanted thing on you tube, no one is
there who can make concepts clear like you. hats off to you sir
Thank you sir mujhe toh ye marginal cost of fund and tenor premium ek black hole ki tarah lagta tha now it is clear
Sir, bahut bhala kar rahe no aap. Thanks a lot.
very well explain Sir.
RBI’s repo rate as the external benchmark to decide their lending rates, from April 1.
Under the new system which will come into effect from April 1, 2019, banks will have to link their lending rates with an external benchmark instead of MCLR. The RBI has given these options to banks: RBI repo rate, the 91-day T-bill yield; the 182-day T-bill yield; or any other benchmark market interest rate produced by the Financial Benchmarks India Pvt. Ltd.
Q
Thank you so much your videos are very useful for UPSC aspirants😄😄
I am upsc aspirant
This helped me a lot !
Very in depth analysis of few terms. Great work. Keep it up!. 👍👍
Thanks Devyani :)
Thankyou so much sir
AAP samjhate bahot acha h
Sir MCLR par questions kaise puche jate h?
bahut badiya samjhaya.......maja aa gya...
Wonderfully explained! Thank you!
You're very welcome!
For the first time I got know what is this mclr
You r real hearo sir.what a fantastic teaching u have.
I great fan of u
Sir I request to make vedio at share market income tax
Thanku so much
sir your videos are too good... I just want to know one basic thing .. If I take a loan with fixed rate than how bank decide that fixed rate? In the context of current crisis like Venezuela, If there is a situation like hyperinflation then how bank decide interest rate? Can they change interest rate everyday?
Make DETAILED video on NRE NRO AND FCNR ACCOUNT.
Topic noted for future videos.
Which is best interest rate MCLR or RLLR? please make one vedio and give me details
Bhut accha smjhaya apne
Dhanyawad :)
Sir basel 1,2,3 ki details provide karein.
.
Thank you sir your videos are really very helpful in understanding Banking policies
Thanks Avanika
Thank you very much for great explanation.... Could you explain MCLR vs RRLR and what is better?
Great explanation. Thank you
Glad it was helpful!
sir aapne bahut ache se explain kiya !!!
Can you make a video on new norms for lending rates linked to external benchmarks like repo rates. How the deductions in repo rate will pass to borrower
Hi sir... I'm a finance student... Ur way of explaining is really good
Thank you, Keep supporting Veera :)
Fantastic job 👍👍
Thank you.
Excellent explanation
Glad you liked it
Excellent video.
Thanks for sharing knowledge.
Please Give practical example for calculation of MCLR by taking numeric value.
Thank u
bahut badhiya sir
Thank you Vipul
best video ever on mclr, thankyou sir
Keep learning
bahut badhiya !
Thanks Sandhya
Sir plz come up with new changes like mclr changed to external lending rate
Thanks for ur explanation but pls make again one video on flexi, floating rates and mclr rates and which one is best suited for consumer point of view
It's really amazing video
Thank you very much 👍👍👍
Thank you sir. I think, it'll be help me of my Professional career.
Nice explanation Sir....many many thanks....very helpful....
Glad that you found the video helpful. 😊
Sir , make video on Bond Yield
It was nice explained and easy to understand. Pls send updates. Thanks
Great in depth
Thank you.
sir one video on basel norms and recapitalisation bonds
How to Draft a clause specifying a variable interest rate of MCLR plus 200
basis points. Also, cover the aspect around the change in the
computation of interest?
I learn a lot from you
I follow urs video ...its more informative And descriptive ..
Excellent sir I request continue this video series and took all terms which comes in RBI GRADE B EXAMS AND BANK PO which helps students during exams thanks
Simply superb...
Sir plz make a video on QFI, FII, Fdi & Fpi
Its really great asset for us living in rural areas
Sir. Your lecture is excellent but I request you as I have already requested you to kindly make the lectures from the points of bankers as you are considering that all the students are non bankers
Lucky to find ur video on u tube🤗
Wonderful explanation
You are awesome sir ! No one here share there knowledge. But you are the one who is .
Thanks for appreciation :)
Sir you have got a tremendous talent. God bless you.
A humble request that please extend the duration of your lectures on Bank Financial Ratios and Trade Finance, where you can explain topics in a row.
Wonderful video!!!!
Thank you very much!
Sir please cover Indian economy by ramesh singh book if possible🙏🙏
Too good explanation sirrrrrrrr
Thanks Vijay :)
@@AssetYogi sorry to say and I m not a politician but apke explanation se kuch kehna ka mun ho rha hai.....that itne achche se CAA n NRC per koi explain kr deta to shayd ye sab bycott nhi hota really God explanation strength u hav
Plz put a video on Alternative Investment Fund and also on Securitization Trust
sir...it is the best explanation on this topic
Loan ko half tenure me repay karna hain to sirji koi formula hain?
Nhb rate kese calculate karti h privete home loan ke intrest rate
outstanding explaination
Thank you Kuldeep 😊
Very useful sir!!!
Keep supporting Aditya :)
Always sir!!!
Good explanation.
Now RLLR has also introduced, please make a video on which one is better between RLLR and MCLR
When will the prime lending rate video come ??
Your videos are really very informative and easy to understand
There are many topic requests, I've noted the topic future videos, turn on the notification and please kindly wait for the update.
Sir ..please make a video regarding time barred of loan ......if time is expire than what happens .
Thank you Sir🙏🏻 please maka a video on St drawal mt & Lt drawal specially applicable in Cooperative Bank.
Please give a video on RLLR
Good lecture by Mukul
Sir ye kcc par bhi lagu hota hai kya
Superb
Tremendous sir !
Sir, Thank you so much. Very Informative.
Keep supporting Sudhir :)
This is what i was looking for...
Thanks for this one
To the point, informative and very well explained...thanks sir
Thank you for appreciation Priyanka 😊
@@AssetYogisir kindly explain the NHOFC..the non holding companies..their basis of formation etc, if possible. Thanks in advance.
Bohot khoob ..ty
Dhanywaad
Thax u for this video sir.
Meri ek request hai, jaiib ke exam ke liye aap kuch chapter wise video de, mainly account (2nd paper ) so it will be very helpful for me and all jaiib examine candidates, bcz your way of delivery nd contains r soo good so plz do something for jaiib as soon as possible
Thank you
Very nicely explained sir .. thanks a lot
Fabulous sir
Thanks for appreciation 😊