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RBI proposes major changes in credit risk rules
The New Indian Express
|October 08, 2025
THE Reserve Bank has proposed significant changes to the way banks assign risk weighting to loans and the socalled expected credit loss (ECL) framework, in a move aimed at aligning domestic regulations with global norms.
The new changes pertain to how banks assess loan risks and set aside funds for potential losses. These adjustments aim to align domestic banking rules with international standards. The move is expected to reduce the capital banks need to hold for various loan types, particularly benefiting MSMEs and real estate sectors.
The new norms will take effect on April 1, 2027, giving banks breather on capital requirements. The proposed changes seek to ease the risk weighting or capital that must be set aside for different types of loans.
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