Loans Guaranteed By Indian Government Carry A Risk Weight Of
Treasury bills t bills 1 3 treasury bills or t bills which are money market instruments are short term debt instruments issued by the government of india and are presently issued in three tenors namely 91 day 182 day and 364 day.
Loans guaranteed by indian government carry a risk weight of. The move which comes as yet another nudge for lenders to rescue the struggling sector that employs. While commercial loan assets had a risk weight of 100 inter bank assets were assigned 20 risk weight. This incremental lending by banks and financial institutions of up to rs 3 lakh crore in total will be 100 percent guaranteed by the government of india.
Loans up to rs 30 lakh. For a loan up to rs 30 lakhs the risk weight is 35 in case the ltv is 80 and lower. For a loan up to rs 30 lakhs a bank can have an ltv ratio of maximum 90.
As credit facilities extended under the scheme guaranteed by ncgtc are backed by an unconditional and irrevocable guarantee provided by government of india it has been decided that member lending. Investments by pds in sd of other pds banks will be assigned 100 risk weight for capital adequacy purpose. If the ltv ratio is more than 80 the risk weight stipulated by the rbi is 50.
Earlier all loans above rs 75 lakh carried the same risk weight irrespective of ltv. Further the pd s aggregate investments in tier ii bonds issued by other pds banks and financial institutions shall be restricted up to 10 percent of the investing pd s total capital funds. The risk weight for each loan depends on the ltv ratio of the loan.
Borrowers will have a one year moratorium. Since 2005 the minimum capital to risk assets ratio that is expected to be maintained is 9 percent. In 2002 maintenance of capital funds as a percentage of risk weighted assets was extended to all ucbs.
Currently loans to medium small and micro enterprises msmes carry a risk weight of 20. G secs carry practically no risk of default and hence are called risk free gilt edged instruments. 30 lakh category will release capital for the banking industry and is a positive move sbi following this move also trim down interest rates for its home loans above rs 75 lakh.
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