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New norms for co-op bank expansion
August 2 , 2025
14 hrs 0 min
19
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- RBI proposes Eligibility Criteria for Business Authorisation (ECBA) to replace the existing Financially Sound and Well Managed (FSWM) rules.
- ECBA will govern approvals for new branches, ATMs, and infrastructure by urban co-operative banks (UCBs).
- Banks must meet norms on capital adequacy, asset quality, and show profits for the last two financial years.
- Net non-performing assets (NPAs) must not exceed three per cent.
- Banks must have maintained the required cash reserve ratio (CRR) and statutory liquidity ratio (SLR) without default.
- ECBA validity will extend up to 30 September of the following financial year.
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