Question
In which year were the last universal banking licences
before AU Small Finance Bank issued?Solution
The RBI had last granted universal banking licences in 2014, and the recipients were Bandhan Bank and IDFC Bank(which later became IDFC First Bank). Since then, no bank had been awarded such a licence until AU Small Finance Bank received one recently. This 11-year gap underscores the rarity of these approvals and the stringent eligibility criteria.
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