印度央行周四数据显示，印度银行体系的存款在9月下半月达到创纪录的约28.4万亿卢比（2.99万亿美元）。
India's banking system deposits hit a record high of around 284 trillion rupees ($2.99 trillion) in the second half of September, central bank data showed on Thursday.
据Dharamraj Dhutia报道，本财年前六个月存款增加了21.67万亿卢比，其中大部分增长发生在6月至8月期间，当时央行推出了吸引美元流入的贴现互换窗口。以下是部分细节：根据印度储备银行的数据，从6月16日至8月31日，银行体系存款总计增加了20万亿卢比。
By Dharamraj Dhutia Deposits rose by 21.67 trillion rupees in the first six months of the financial year, with most of the increase seen between June and August, when the central bank's discounted swap window to attract dollar inflows was in place. Here are a few details: Banking system deposits jumped by an aggregate of 20 trillion rupees from June 16 to August 31, according to data from the Reserve Bank of India.
6月，印度储备银行（RBI）宣布推出贴现互换窗口以吸引外币存款，并鼓励银行以更低的成本筹集存款。
In June, the RBI announced a discounted swap window to attract foreign-currency deposits and encouraged lenders to raise cheaper deposits.
该计划吸引了约1330亿美元的资金流入，并于8月31日提前一个月关闭。
The scheme saw inflows of around $133 billion and the deposit window was closed on August 31, a month earlier than planned.
此外，银行在季度末前努力建立资金缓冲也推动了存款增长；9月30日结束的那两周，存款流入量达到7.73万亿卢比。截至9月底，银行体系的总存款较3月底增长了8.4%。
Deposits were also boosted by lenders' efforts to build funding buffers before the end of the quarter; the fortnight ended September 30 saw inflows of 7.73 trillion rupees. Overall deposits in the banking system as of September-end were up 8.4% as compared with March-end.
CareEdge Ratings在一份报告中指出，由于银行体系存在流动性盈余，存款竞争仍保持在可控范围内。
Competition for deposits stayed contained, while the system was in surplus, CareEdge Ratings said in a note.
该机构补充道：“10月加息意味着目前暂不会出现定期存款利率的进一步下调，反而可能推动利率上升，因为银行需要为比存款增长更快的信贷提供资金，同时流动性盈余也在减少。”
"The October rate hike rules out further cuts in term deposit rates for now and is likely to push them up, as banks need to fund credit that is growing faster than deposits while the liquidity surplus shrinks," CareEdge added.