Capital adequacy
Map capital components, deductions, risk-weighted assets, buffers and reporting.
Prudential and Exposure Directions
Paragraph-wise corpus with Finin2min interpretation, examples, evidence controls and practical Q&A. Source: Commercial-bank and NBFC prudential Direction suite, 2025–2026.
14 unitsBanking Regulation Act or RBI Act according to entityCurrent-source controlled
Module register
Credit-risk standardised approach
Prepare for 2026 Direction effective 1 April 2027; maintain migration, data and parallel-run controls.
Concentration risk
Aggregate single/group connected exposures and apply large-exposure limits and exemptions.
Credit-risk governance
Separate origination, rating, sanction, monitoring, collateral, covenant and remedial management.
Asset classification
Identify overdue/default/NPA trigger at borrower and facility level and freeze event-date rule.
Provisioning and income recognition
Calculate provision, reversal/non-accrual, security value and upgrade requirements.
ALM and liquidity
Maintain maturity ladder, liquidity ratios, behavioural assumptions and stress scenarios.
Investment portfolio
Classify, value, recognise income, provide and document transfers/sales.
Securitisation
Test eligibility, minimum holding/retention, due diligence, capital and disclosure.
Transfer of loan exposures
Classify assignment/participation/novation and preserve true-sale and valuation evidence.
Stressed-asset resolution
Identify default, inter-creditor process, review period, implementation and additional provisioning.
Related and connected lending
Screen directors, group entities, substantial interest and conflict/approval controls.
Credit information reporting
Report complete, accurate and timely bureau data; resolve disputes and rejected records.
Prudential returns
Reconcile source systems, general ledger, regulatory taxonomy and Board sign-off.