[RBI / MONETARY POLICY]
RBI rate cut — banks/NBFC margin lift, autos/realty cyclical
Banks, NBFCs, autos and realty cos that benefit from RBI repo rate cut
▲ Stocks that benefit26 cos
HDFCBANKBank
HDFC Bank
Lower funding cost → NIM tailwind, credit growth
ICICIBANKBank
ICICI Bank
Lower funding cost → NIM tailwind, credit growth
AXISBANKBank
Axis Bank
Lower funding cost → NIM tailwind, credit growth
KOTAKBANKBank
Kotak Mahindra Bank
Lower funding cost → NIM tailwind, credit growth
SBINBank
State Bank of India
Lower funding cost → NIM tailwind, credit growth
FEDERALBNKBank
Federal Bank
Lower funding cost → NIM tailwind, credit growth
INDUSINDBKBank
IndusInd Bank
Lower funding cost → NIM tailwind, credit growth
BAJFINANCENBFC
Bajaj Finance
Lower funding cost → NIM tailwind, credit growth
BAJAJFINSVNBFC
Bajaj Finserv
Lower funding cost → NIM tailwind, credit growth
CHOLAFINNBFC
Cholamandalam Finance
Lower funding cost → NIM tailwind, credit growth
JIOFINNBFC/Fintech
Jio Financial Services
Lower funding cost → NIM tailwind, credit growth
ABCAPITALNBFC
Aditya Birla Capital
Lower funding cost → NIM tailwind, credit growth
M&MFINNBFC
Mahindra & Mahindra Financial
Lower funding cost → NIM tailwind, credit growth
TATAMOTORSAuto
Tata Motors
Cheaper retail loans → demand pull
BAJAJ-AUTOAuto
Bajaj Auto
Cheaper retail loans → demand pull
M&MAuto
Mahindra & Mahindra
Cheaper retail loans → demand pull
TVSMOTORAuto
TVS Motor
Cheaper retail loans → demand pull
ASHOKLEYAuto
Ashok Leyland
Cheaper retail loans → demand pull
HYUNDAIAuto
Hyundai Motor India
Cheaper retail loans → demand pull
MARUTIAuto
Maruti Suzuki
Cheaper retail loans → demand pull
HEROMOTOCOAuto
Hero MotoCorp
Cheaper retail loans → demand pull
EICHERMOTAuto
Eicher Motors (Royal Enfield)
Cheaper retail loans → demand pull
DLFRealty
DLF
Cheaper retail loans → demand pull
LODHARealty
Macrotech Developers (Lodha)
Cheaper retail loans → demand pull
MAHLIFERealty
Mahindra Lifespace Developers
Cheaper retail loans → demand pull
GODREJPROPRealty
Godrej Properties
Cheaper retail loans → demand pull
Historical examples
2025-02-07 — RBI cuts repo by 25bps to 6.25% (first cut since May 2020)
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