Banks with high fixed-rate loan exposure and those with elevated Loan-to-Deposit Ratios (LDRs) stand to gain the most. Here's ...

Among private sector banks, lenders such as ICICI Bank, Axis Bank and Kotak Mahindra Bank have reported an 18 bps, 8 bps and 29 bps dip in margins, respectively, over the past one year.

Banks are expected to start lowering the rates on FDs in alignment with the decrease of the benchmark lending rate by the ...