{"id":3173,"date":"2023-11-17T10:37:16","date_gmt":"2023-11-17T05:07:16","guid":{"rendered":"https:\/\/www.spidersoftwareindia.com\/blog\/?p=3173"},"modified":"2023-11-17T10:37:20","modified_gmt":"2023-11-17T05:07:20","slug":"the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25","status":"publish","type":"post","link":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/","title":{"rendered":"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%."},"content":{"rendered":"\n<p>The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>On Thursday, the Reserve Bank of India (RBI) implemented stricter regulations for the unsecured lending portfolios of both banks and non-banking financial companies (NBFCs) due to heightened apprehensions about the disproportionately high expansion in categories such as personal loans and credit cards, surpassing the overall bank credit growth of approximately 15% in the past year.<\/p>\n\n\n\n<p>The Reserve Bank of India (RBI) has announced a 25 percentage point increase in risk weights for banks and NBFCs, raising the requirement to 125% for retail loans, excluding housing, education, and vehicle loans, as well as loans secured by gold and gold jewellery. The revised risk weights also apply to credit card exposures, with a 25 percentage point increase to 150% for banks and 125% for NBFCs, diverging from the existing norm of a 100% risk weight for NBFCs&#8217; loan exposures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">According to the Reserve Bank of India (RBI) circular<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/rbi.png\" alt=\"\" class=\"wp-image-3175\" srcset=\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/rbi.png 600w, https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/rbi-300x225.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure><\/div>\n\n\n<p>According to the Reserve Bank of India (RBI), scheduled commercial banks (SCBs) and NBFCs, which currently have risk weights of 125% and 100%, respectively, for credit card receivables, will see an increase of 25 percentage points to 150% for SCBs and 125% for NBFCs. The RBI has mandated that all banks and NBFCs establish board-approved limits for unsecured consumer credit exposures, with a deadline for implementation by February 29, 2024. Furthermore, the RBI clarified that top-up loans provided by regulated entities against depreciating movable assets, such as vehicles, will be considered as unsecured loans for credit appraisal, prudential limits, and exposure purposes.<\/p>\n\n\n\n<p>(RBI), scheduled commercial banks (SCBs) and NBFCs, which currently have risk weights of 125% and 100%, respectively, for credit card receivables, will see an increase of 25 percentage points to 150% for SCBs and 125% for NBFCs. The RBI has mandated that all banks and NBFCs establish board-approved limits for unsecured consumer credit exposures, with a deadline for implementation by February 29, 2024. Furthermore, the RBI clarified that regulated entities will consider top-up loans against depreciating movable assets, such as vehicles, as unsecured loans for credit appraisal, prudential limits, and exposure purposes.<\/p>\n\n\n\n<p>An Opportunity to Learn Live Trading and Training on Monthly Expiry by <a href=\"https:\/\/rzp.io\/l\/3WNYNdE\">Clicking Here<\/a><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/10\/Gourav-Pandey-Expiry-Special-Webinar-1024x576.jpg\" alt=\"The image explains that Spider Software is conducting a Webinar on Trading &amp; Training Live on Monthly Expiry.\" class=\"wp-image-2868\" srcset=\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/10\/Gourav-Pandey-Expiry-Special-Webinar-1024x576.jpg 1024w, https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/10\/Gourav-Pandey-Expiry-Special-Webinar-300x169.jpg 300w, https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/10\/Gourav-Pandey-Expiry-Special-Webinar-768x432.jpg 768w, https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/10\/Gourav-Pandey-Expiry-Special-Webinar-1536x864.jpg 1536w, https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/10\/Gourav-Pandey-Expiry-Special-Webinar-2048x1152.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>Also check out the <a href=\"https:\/\/www.spidersoftwareindia.com\/blog\/upcoming-ipos-in-october-2023\/\">Upcoming IPO&#8217;s<\/a>.<\/p>\n\n\n\n<p>If you&#8217;d like to know how we analyze the market and provide accurate levels every day. then click on the Free Demo button below and change your trading life for good. 5X returns are possible in options trading If you have Spider Software in your trading system. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/spidersoftwareindia.com\/contact-us.php\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Free Demo<\/strong><\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-vivid-green-cyan-color has-text-color wp-element-button\" href=\"https:\/\/rzp.io\/l\/b8kiANSCW\" target=\"_blank\" rel=\"noreferrer noopener\">Buy Now<\/a><\/div>\n<\/div>\n\n\n\n<pre class=\"wp-block-code has-small-font-size\"><code>Disclaimer: The information provided in this Blog is for educational purposes only and should not be construed as financial advice. Trading in the stock market involves a significant level of risk and can result in both profits and losses. Spider Software &amp; Team does not guarantee any specific outcome or profit from the use of the information provided in this Blog. It is the sole responsibility of the viewer to evaluate their own financial situation and to make their own decisions regarding any investments or trading strategies based on their individual financial goals, risk tolerance, and investment objectives. Spider Software &amp; Team shall not be liable for any loss or damage, including without limitation any indirect, special, incidental or consequential loss or damage, arising from or in connection with the use of this blog or any information contained herein.<\/code><\/pre>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_3173\" class=\"pvc_stats all  \" data-element-id=\"3173\" style=\"\"><i class=\"pvc-stats-icon large\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.<\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_3173\" class=\"pvc_stats all  \" data-element-id=\"3173\" style=\"\"><i class=\"pvc-stats-icon large\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":3177,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[26,5,30,42,9,10,7],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.<\/title>\n<meta name=\"description\" content=\"The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.\" \/>\n<meta property=\"og:description\" content=\"The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/\" \/>\n<meta property=\"og:site_name\" content=\"Technical Analysis &amp; Finance Blogs by Spider Software\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/spidersoftwareindia\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-17T05:07:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-17T05:07:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"820\" \/>\n\t<meta property=\"og:image:height\" content=\"545\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Spider Software\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@SpiderSoftIn\" \/>\n<meta name=\"twitter:site\" content=\"@SpiderSoftIn\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Spider Software\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/\"},\"author\":{\"name\":\"Spider Software\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/person\/353672ac390b1dad16d20ce4dd43501c\"},\"headline\":\"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.\",\"datePublished\":\"2023-11-17T05:07:16+00:00\",\"dateModified\":\"2023-11-17T05:07:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/\"},\"wordCount\":432,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg\",\"keywords\":[\"banknifty\",\"Educational\",\"Nifty\",\"rbi\",\"Share Market\",\"Spidersoftware\",\"Technical Analysis\"],\"articleSection\":[\"Stock Market\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/\",\"url\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/\",\"name\":\"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.\",\"isPartOf\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg\",\"datePublished\":\"2023-11-17T05:07:16+00:00\",\"dateModified\":\"2023-11-17T05:07:20+00:00\",\"description\":\"The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage\",\"url\":\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg\",\"contentUrl\":\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg\",\"width\":820,\"height\":545},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.spidersoftwareindia.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#website\",\"url\":\"https:\/\/www.spidersoftwareindia.com\/blog\/\",\"name\":\"Technical Analysis &amp; Finance Blogs by Spider Software\",\"description\":\"Learn Stock Market | Finance | Technical Analysis | Investing | Trading\",\"publisher\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.spidersoftwareindia.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#organization\",\"name\":\"Spider Software\",\"url\":\"https:\/\/www.spidersoftwareindia.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/03\/Spidersoftware_logo-1-1.png\",\"contentUrl\":\"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/03\/Spidersoftware_logo-1-1.png\",\"width\":200,\"height\":80,\"caption\":\"Spider Software\"},\"image\":{\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/spidersoftwareindia\/\",\"https:\/\/x.com\/SpiderSoftIn\",\"https:\/\/www.youtube.com\/user\/spidersoftwareindia\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/person\/353672ac390b1dad16d20ce4dd43501c\",\"name\":\"Spider Software\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2a9f16f9b8e0c23963ae668656ce4f6f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2a9f16f9b8e0c23963ae668656ce4f6f?s=96&d=mm&r=g\",\"caption\":\"Spider Software\"},\"sameAs\":[\"https:\/\/www.spidersoftwareindia.com\/\",\"Admin\"],\"url\":\"https:\/\/www.spidersoftwareindia.com\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.","description":"The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/","og_locale":"en_US","og_type":"article","og_title":"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.","og_description":"The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.","og_url":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/","og_site_name":"Technical Analysis &amp; Finance Blogs by Spider Software","article_publisher":"https:\/\/www.facebook.com\/spidersoftwareindia\/","article_published_time":"2023-11-17T05:07:16+00:00","article_modified_time":"2023-11-17T05:07:20+00:00","og_image":[{"width":820,"height":545,"url":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg","type":"image\/jpeg"}],"author":"Spider Software","twitter_card":"summary_large_image","twitter_creator":"@SpiderSoftIn","twitter_site":"@SpiderSoftIn","twitter_misc":{"Written by":"Spider Software","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#article","isPartOf":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/"},"author":{"name":"Spider Software","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/person\/353672ac390b1dad16d20ce4dd43501c"},"headline":"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.","datePublished":"2023-11-17T05:07:16+00:00","dateModified":"2023-11-17T05:07:20+00:00","mainEntityOfPage":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/"},"wordCount":432,"commentCount":0,"publisher":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage"},"thumbnailUrl":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg","keywords":["banknifty","Educational","Nifty","rbi","Share Market","Spidersoftware","Technical Analysis"],"articleSection":["Stock Market"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/","url":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/","name":"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%.","isPartOf":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage"},"image":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage"},"thumbnailUrl":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg","datePublished":"2023-11-17T05:07:16+00:00","dateModified":"2023-11-17T05:07:20+00:00","description":"The RBI has directed banks and NBFCs to maintain elevated capital buffers and has extended increased risk weight requirements to both existing and new credit exposures.","breadcrumb":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#primaryimage","url":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg","contentUrl":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/11\/WhatsApp-Image-2023-11-17-at-10.36.43-AM.jpeg","width":820,"height":545},{"@type":"BreadcrumbList","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/the-rbi-has-raised-the-risk-weight-on-consumer-credit-exposure-for-banks-and-nbfcs-by-25\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.spidersoftwareindia.com\/blog\/"},{"@type":"ListItem","position":2,"name":"The RBI has raised the risk weight on consumer credit exposure for banks and NBFCs by 25%."}]},{"@type":"WebSite","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#website","url":"https:\/\/www.spidersoftwareindia.com\/blog\/","name":"Technical Analysis &amp; Finance Blogs by Spider Software","description":"Learn Stock Market | Finance | Technical Analysis | Investing | Trading","publisher":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.spidersoftwareindia.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#organization","name":"Spider Software","url":"https:\/\/www.spidersoftwareindia.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/03\/Spidersoftware_logo-1-1.png","contentUrl":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-content\/uploads\/2023\/03\/Spidersoftware_logo-1-1.png","width":200,"height":80,"caption":"Spider Software"},"image":{"@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/spidersoftwareindia\/","https:\/\/x.com\/SpiderSoftIn","https:\/\/www.youtube.com\/user\/spidersoftwareindia"]},{"@type":"Person","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/person\/353672ac390b1dad16d20ce4dd43501c","name":"Spider Software","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.spidersoftwareindia.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2a9f16f9b8e0c23963ae668656ce4f6f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2a9f16f9b8e0c23963ae668656ce4f6f?s=96&d=mm&r=g","caption":"Spider Software"},"sameAs":["https:\/\/www.spidersoftwareindia.com\/","Admin"],"url":"https:\/\/www.spidersoftwareindia.com\/blog\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/posts\/3173"}],"collection":[{"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/comments?post=3173"}],"version-history":[{"count":1,"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/posts\/3173\/revisions"}],"predecessor-version":[{"id":3178,"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/posts\/3173\/revisions\/3178"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/media\/3177"}],"wp:attachment":[{"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/media?parent=3173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/categories?post=3173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.spidersoftwareindia.com\/blog\/wp-json\/wp\/v2\/tags?post=3173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}