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M3 growth further decelerates to lowest since January 2013

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Capital Market
Last Updated : Dec 05 2014 | 10:50 PM IST
Money Supply (M3) growth decelerated to lowest since January 2013 to 11% in month of November 2014, same as recorded in the month of October and 12.7% recorded in September. The M3 growth eased amidst deceleration in both time deposits with banks and currency with the public. While demand deposits with banks registered a growth of 13.8% y-o-y. Meanwhile, in the fortnight ended 14 November 2014, the growth in M3 fell by Rs 27.6 billion led by fall in both time deposits and demand deposits with banks while currency with the public increased. The growth in other deposits with RBI also declined.

Components

M3 decelerated 6.8% till 14 November 2014 during 2014-15 compared with a 8.6% rise in the same period a year ago. However, the annual growth rate at 11.4% is lower than the 14.2% increase a year ago, mainly due to the deceleration in both time deposits with banks and currency with the public. The growth rate in time deposits with banks increased 11.7% (y-o-y) from 15.4% a year ago, demand deposits with banks, another major component of broad money, increased at 13.8% (y-o-y) from 8.3% a year ago and currency with public decelerated to 7.5% from 10.9% last year. In the fortnight ended 14 November 2014, the M3 eased by Rs 27.6 billion led by fall in other deposits with RBI and time deposits and demand deposits with banks . However, the fall in M3 was restricted by rise in currency with the public by Rs 204.1 billion.

Demand deposit with banks recorded a growth of 3.9% till 14 November 2014 compared with a fall of 2.6% in the same period last year. The annual growth rate as on 14 November 2014 stood at 13.8% compared with a rise of 8.3% last year. On other hand, time deposits recorded a 7.2% growth rate till 14 November 2014 during 2014-15 compared with 10% growth in the same period last year. The annual growth rate as on 14 November 2014 stood at 11.7% compared with a 15.4% increase last year.

One of the major components in money supply, that is currency with the public, recorded a 7.5% annual growth rate as on 14 November 2014 compared with a 10.9% increase last year. In 2014-15, till 14 November 2014 it recorded a 5.8% growth compared with a 7.6% increase in the same period last year. Meanwhile, fortnightly currency with the public increased by 1.6% to Rs 204.1 billion. Sources

The net bank credit to government registered rise of 0.6% in the fortnight ended 14 November 2014 and increased by 3% in the FY15 till 14 November 2014 lower from 11.9% growth register last year. The annual growth rate as on 14 November 2014 decelerated to 3.3% compared with 14.5% last year. The growth in net foreign exchange assets of banking sector stood at 5.3% till 14 November 2014 in FY15 compared with a growth of 12.5% in the same period last year. Meanwhile, the annual growth rate as on 14 November 2014 recorded 10% rise compared with a rise of 13.3% last year.

Reserve money

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The reserve money growth rate decelerated annually in November 2014. As on 21 November 2014, the annual growth rate stood at 8.5% compared with 9.1% growth last year. The slowdown in growth in currency in circulation with RBI, led to deceleration in reserve money growth. While the growth in banker's deposit with RBI accelerated to 8.3% as on 21 November 2014 compared with a rise of 3% rise last year, the currency in circulation showed a growth of 8.2% from 10.9% rise recorded last year. Moreover, the slowdown in foreign exchange growth eased the growth rate of reserve money. Net foreign exchange assets of the RBI recorded 9.1% growth as on 21 November 2014 compared with a rise of 10.6% last year. Also, in the financial year till 21 November 2014, the growth rate was 6.9% compared with 13.4% rise in the same period last year. Till 21 November 2014 in FY15 net non-monetary liabilities of RBI recorded 1.5%, fall compared with 29.9% growth in the same period last year. As on 21 November 2014, the annual growth rate declined by 7.6% compared with 22.6% rise last year.

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First Published: Dec 05 2014 | 3:41 PM IST

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