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).