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RBI ECL shift could hit banks by up to 120 bps, Crisil warns
Economy
Published on 1 May 2026
One-time CET1 hit up to 120 bps
RBI’s proposed move to an expected credit loss (ECL) framework may trigger a one-time net impact of as much as 120 basis points on banks’ Common Equity Tier-1 (CET-1) ratios, according to Crisil Ratings. While the ratio hit could be steep, Crisil expects lenders’ overall credit profiles to remain stable.
- RBI plans to shift to an expected credit loss framework
- Banks could see a one-time CET1 impact up to 120 bps
- Crisil expects overall credit profiles to remain stable
- Net effect highlights potential near-term capital pressure
Read the full story at The Economic Times
This summarization was done by Beige for a story published on 
The Economic Times