RegAlertRule · RBI · 16 Jun 2026
Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026
The document inserts Paragraph 17(6)A into the Directions to assign a zero percent risk weight to exposures guaranteed under the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0, specifically for the portion where the settlement amount is expected to be received within thirty days from the date of invocation. This zero percent risk weight applies to up to 75% of the guaranteed portion, while the remaining exposure retains the risk weight as per extant guidelines. These amendments come into force with immediate effect.
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( 395 kb ) Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026
RBI/2026-27/134 DOR.STR.REC.113/09-18-201/2026-27
June 16, 2026
Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026
Please refer to Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Directions, 2025 (hereinafter referred to as ‘the Directions’).
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Please refer to circular Ref no. 0264/NCGTC/ECLGS5.0 dated May 08, 2026, issued by National Credit Guarantee Trustee Company (NCGTC) in respect of Emergency Credit Line Guarantee Scheme (ECLGS) 5.0, introduced by the Government of India.
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In exercise of the powers conferred by the section 35A read with Section 56 of the Banking Regulation Act, 1949 and all other laws enabling the Reserve Bank in this regard, the Reserve Bank being satisfied that it is necessary and expedient in the public interest so to do, hereby issues the Amendment Directions hereinafter specified.
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These Amendment Directions shall amend the Directions as specified below:
(1) Paragraph 17(6)A shall be inserted as below:
“Exposures guaranteed under the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 shall attract risk weight of zero percent to the extent of 75% of the guaranteed portion, i.e., to the extent of guaranteed portion wherein the settlement amount is expected to be received within thirty days from the date of invocation. The remaining exposure shall attract risk weight as per the extant guidelines.”
- The above amendments shall come into force with immediate effect.
(Vaibhav Chaturvedi) Chief General Manager
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- Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Directions, 2025Not in RegAlert
“Please refer to Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Directions, 2025 (hereinafter referred to as ‘the Directions’).”
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