Retail consumers of Automobile, home and personal loans ought to prop up themselves for a bumpy ride in front because signals budding from the bond marketplace move towards a rise in rates of interest, which may be sharp and rapid. The symptoms are based on the benchmark 10-year return on government securities, which touched 9.27% each year on Monday. This benchmark price is the maximum risk-free price that one can enter the nation, and therefore, this is the benchmark price for banks and other money lenders for setting their forward lending rates for consumers. According to bond traders, the present level is as well nearer to the decade elevated rate of 9.60 percent.