With the objective to better align the guidelines of RBI with the BCBS standard and enable banks to manage liquidity risk more effectively, RBI has decided to increase the threshold limit for deposits and other extensions of funds made by non-financial Small Business Customers from ₹ 5 crore to ₹ 7.5 crores for the purpose of maintenance of Liquidity Coverage Ratio (LCR). This is applicable to all Commercial Banks other than Regional Rural Banks, Local Area Banks, and Payments banks. Small Business Customers: This category consists of deposits and other extensions of funds made by non-financial small business customers, that are managed as retail exposures and are generally considered as having similar liquidity risk characteristics to retail accounts provided total aggregated funding from any such Small Business Customer is up to ₹ 7.5 crore (on a consolidated basis where applicable).
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