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Yes Bank revised its SBIR from six percent to five percent for balances less than rupees one lakh. The investigation has concluded that reduction in SBIRs by SCBs was based on independent assessment of market conditions, and the main driver for the reduction was excess liquidity position resulting from demonetisation. SBIRs were reduced by all major banks after around seven months of demonetisation due to additional interest burden on account of high deposits. Such corrective course of action may appear to be a parallel conduct but it lacks concerted efforts. Thus, similarity in SBIRs across different SCBs, even after its deregulation, was found to be a result of independent and comprehensive assessment of the respective SCBs. payment etc. are not provided by Post Office Savings Bank Accounts.

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