BankPulse Answers
The questions bankers and bank customers actually ask, answered with the paragraph they come from.
Every answer names the document behind it. It names the paragraph inside that document. It gives you the link to the original. Some questions have a different answer for each kind of lender. Those pages say so and show every lender.
Every answer is checked every day. Does a document behind an answer change? Then the answer is pulled for a re-read. The page says so while that is going on.
No lender-by-lender answer has been confirmed yet. Those appear here as they are read and confirmed.
More questions answered
These pages answer one question each. Every line on them is a point already published on a BankPulse rule page.
Can a bank sell insurance in India?
What the 2025 Directions allow on insurance agency and referral business. Yes, as an agent or by referral, for a fee and without carrying the risk. The
How much can a bank lend against gold?
The maximum loan to value ratio on a consumption loan against gold. Up to 85 per cent of the pledged metal value for a loan up to 2.5 lakh rupees, 80 per
How much can a lender invest in an alternative investment fund?
The limits, and what is cut from capital. A single lender cannot put more than 10 per cent into one scheme, and all regulated lenders together cannot hold
How much capital must an Indian lender hold?
The minimum capital to risk weighted assets ratio, by kind of licence. It depends on the licence. A small finance bank and a finance company in the middle
How often must KYC papers be updated?
The periodic updation cycle, by customer risk category. Every two years for a high risk customer, every eight years for a medium risk customer and every ten
What are the RBI rules on penal charges?
What a lender may and may not charge. A penal charge must be reasonable, levied only on the amount in default, and fixed by a Board approved policy. It
For software that reads pages. Every answer is also kept as plain text and as data. Add .md or .json to the end of an answer address. The list of every answer is at /answers/index.json. What the daily check found is at /answers/freshness.json.
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BankPulse is not the Reserve Bank of India and has no agreement with it. Every answer links to the original document on the Reserve Bank of India website.