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BankPulseBETARegulatory intelligence for Indian banking

BankPulse Ready Reckoner

RBI's headline rates and PSL targets, fetched fresh and source-linked -- built for bankers who need the number now
Every number below was read straight off RBI's own live pages during this build, matched to the source snippet shown under each card. If a number can't be confirmed fresh, this page says so -- it never shows a guessed number.

Policy & reserve rates

Policy Repo Rate
5.25%
Rate at which RBI lends short-term funds to banks. Benchmark for loan/deposit repricing.
Source text: “Policy Repo Rate : 5.25%”
Standing Deposit Facility Rate
5.00%
Rate at which RBI absorbs surplus liquidity from banks, without collateral.
Source text: “Standing Deposit Facility Rate : 5.00%”
Marginal Standing Facility Rate
5.50%
Rate at which banks borrow overnight from RBI against government securities, above the LAF limit.
Source text: “Marginal Standing Facility Rate : 5.50%”
Bank Rate
5.50%
Rate at which RBI buys/rediscounts bills of exchange; also used to compute penal interest on shortfalls.
Source text: “Bank Rate : 5.50%”
CRR
Cash Reserve Ratio
3.00%
Share of a bank's net demand and time liabilities (NDTL) that must be held as cash reserve with RBI.
Source text: “CRR : 3.00%”
SLR
Statutory Liquidity Ratio
18.00%
Share of NDTL that banks must hold in cash, gold, or approved government securities.
Source text: “SLR : 18.00%”

Priority sector lending targets & key limits

Applies to: Domestic commercial banks (excl. RRBs & SFBs) and Foreign banks with 20+ branches
Total Priority Sector Target
Total Priority Sector 40 per cent of ANBC
Minimum share of Adjusted Net Bank Credit (ANBC) a bank must lend to priority sectors overall.
Source text: “Total Priority Sector 40 per cent of ANBC as computed in para 6 above or CEOBSE, whichever is higher.”
Agriculture Sub-Target
Agriculture 18 per cent of ANBC or CEOBSE, whichever is higher. Within this target, 14 percent is prescribed for Non-Corporate Farmers (NCFs), out of which a target of 10 percent is prescribed for SMFs.
Sub-target within the overall PSL target earmarked for agriculture lending.
Source text: “Agriculture 18 per cent of ANBC or CEOBSE, whichever is higher. Within this target, 14 percent is prescribed for Non-Corporate Farmers (NCFs), out of which a target of 10 percent is prescribed for SMFs. Not applicable 18 per cent ANBC or CEOBSE, whichever is higher.”
Micro Enterprises Sub-Target
Micro Enterprises 7.5 per cent of ANBC or CEOBSE, whichever is higher
Sub-target within the overall PSL target earmarked for micro enterprises.
Source text: “Micro Enterprises 7.5 per cent of ANBC or CEOBSE, whichever is higher”
Advances to Weaker Sections Sub-Target
Advances to Weaker Sections 12 percent of ANBC or CEOBSE, whichever is higher
Sub-target within the overall PSL target earmarked for advances to weaker sections.
Source text: “Advances to Weaker Sections 12 percent of ANBC or CEOBSE, whichever is higher”
Education Loan Limit (PSL classification)
Loans to individuals for educational purposes, including vocational courses, not exceeding ₹25 lakh will be considered as eligible for priority sector classification.
Maximum individual education loan amount that still counts toward a bank's PSL target.
Source text: “Loans to individuals for educational purposes, including vocational courses, not exceeding ₹25 lakh will be considered as eligible for priority sector classification. 13.”
Housing Loan Limits (PSL classification)
Category Loan Limit# Maximum Cost of Dwelling Unit# Centres with population of 50 lakh and above 50 63 Centres with population of 10 lakh and above but below 50 lakh 45 57 Centres with population below 10 lakh 35 44
Maximum individual home-loan amount (by city size) that still counts toward a bank's PSL target.
Source text: “family subject to the following limits: (Amount in ₹ lakh) Category Loan Limit# Maximum Cost of Dwelling Unit# Centres with population of 50 lakh and above 50 63 Centres with population of 10 lakh and above but below 50 lakh 45 57 Centres with population below 10 lakh 35 44 #to be eligible, the loan to satisfy both the criteria ii.”
Rates fetched 6:05 am IST from https://www.rbi.org.in/ (page hash 578c01c37e9d3d3a...). 6/6 rates confirmed this run.
PSL targets/limits fetched 6:05 am IST from https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12799 (page hash b976af90bbe5baba...). 6/6 items confirmed this run.
This is a growing Ready Reckoner (rates, PSL targets, limits, thresholds) -- more items coming.
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