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Regulations Governing Different Institutions |
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by Amit Jain |
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Banks |
NBFCs |
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Housing finance (HFC) |
Asset finance (AFC) |
Infra financing (IFC) |
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Deposits |
Debentures majorly, bank borrowings and to some extent retail deposits |
Bank borrowings majorly, debentures and bonds, securitisation |
Long term bonds, foreign borrowings, bank borrowings and retail infra
bonds |
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Minimum 9% |
Minimum 12% |
Minimum 15% |
Minimum 15% |
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90 dpd |
90 dpd |
180 dpd |
180 dpd |
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Depends on rating, ranges from 20% to 150% |
50% for loans up to Rs3m & LTV <=75%; 75% for loans above Rs3m & LTV
<=75%; 100% for |
100% risk weights, credit enhancements for off balance sheet assets are
also risk |
20% risk weights for state/central government guaranteed projects, rest
100% |
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4.25% of net demand and time liabilities (NDTL) |
None |
None |
None |
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23% of NDTL |
15% of retail deposits raised |
None |
None |
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15% of net owned funds (NOF) to single borrower (20% for infra), 40%
group exposure (50% for infra) |
NA |
NA |
25% of net worth to single borrower, 40% group exposure; for state and
central utilities no limits |
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40% of adjusted bank credit |
NA |
NA |
NA |
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Standard provisioning of 0.4%(except agri); 10% on substandard, 100% on
loss |
No standard asset provisioning, 10% on substandard, 100% on loss |
No standard asset provisioning, 10% on Substandard, 100% on loss |
No standard asset provisioning, 10% on substandard, 100% on loss |
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