Question
What is the revised additional run-off factor for
digital retail deposits via Internet and Mobile Banking as per RBI’s new guidelines?Solution
The RBI introduced a revised Liquidity Coverage Ratio (LCR) framework mandating a 2.5% additional run-off factor for digital retail deposits accessed via Internet and Mobile Banking (IMB) . This move is a moderation from the earlier proposed 5% additional run-off, offering banks more liquidity flexibility while maintaining global alignment. It takes effect from April 1, 2026 .
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