Regulatory Thresholds and Caps in India

For managerial autonomy, the Ministry of Finance required public sector banks to have a level of Non-Performing Assets (NPAs) below 9%.

To qualify for unlimited refinance from NABARD, District Central Co-operative Banks and Regional Rural Banks must maintain a healthy asset quality, specifically keeping their Non-Performing Assets (NPA) below 15%.

The Reserve Bank of India mandated that Urban Co-operative Banks align their capital adequacy norms with those of commercial banks starting in March 2005 to strengthen the sector.

 Correct Ans. 1

The paid-up capital of the Exim Bank is historically cited as Rs. 499.99 crore in various financial reports.

Option (4) is the correct answer. 

The minimum paid-up capital requirement for a Local Area Bank (LAB) in India is set at Rs 5 crore.

Local Area Banks are required to maintain a minimum Capital Adequacy Ratio (CAR) of 15%.

RBI guidelines for Local Area Banks (LABs) mandated an increase in minimum capital from Rs. 5 crore to Rs. 25 crore within a specified timeframe to ensure financial stability.

In 2008, the Reserve Bank of India increased the borrowing limit for oil marketing companies to help them manage the rising global oil prices.

According to the latest amendment in Banking Regulation Act, nationalised bank can release a share of total paid up capital upto a maximum ceiling of 49%. It enables the nationalised banks to increase or decrease the authorised capital with approval from the Central Government and the Reserve Bank without being limited by the ceiling of a maximum of three thousand crores of rupees. 

To be eligible for a loan under the Home Loan Account Scheme, a depositor must maintain the account and save for a minimum period of 5 years.

The Swarn Jayanti Rural Housing Finance Scheme provides for a maximum repayment period of 15 years for the loans granted.

Under the National Housing Bank guidelines from that period, the loan limit for individuals marginally above the poverty line for housing and income-generating activities was set at Rs. 70,000.