No commercial bank will fail capital requirement tests: RBI

THE Reserve Bank has said none of the commercial banks will fail minimum capital requirements tests, including the severe macro stress test.

- BENN KOCHUVEEDAN @ Mumbai

“Our macro stress test results revealed that the aggregate CRAR (capital adequacy ratio) of 46 major commercial banks may drop from 17.1% in September 2025 to 16.8% by March 2027 under the baseline scenario and may fall to 14.5% and 14.1% under the hypothetical adverse scenarios 1 and 2, respectively. However, none of the banks would fall short of the minimum CRAR requirement of 9% even under the adverse scenarios,” the RBI said in its latest financial stability report (FSR).

Just two of the 46 banks may have to dip into their capital conservation buffer (CCB) under adverse scenario 1, while four banks may require dip-