Category Overdue Period

SMA-0 1–30 days
SMA-1 31–60 days
SMA-2 61–90 days

STANDARD ASSETS (Performing Assets)

Aise loans jisme borrower regular principal aur interest time par pay kar raha ho.
Koi default nahi hua hota.

Risk level: Low
Provisioning (Banks): Around 0.25%–1% (asset category ke hisab se)

STRESSED ASSETS

Sabhi aise assets jahan repayment me problem aa rahi ho ya aane ki possibility ho.
Isme include hote hain:

NPAs (Non-Performing Assets)
Restructured Loans
Written-off Assets
Risk level: Medium to High

Hypothecation is the practice of pledging an asset as security for a loan without transferring ownership or possession of the asset to the lender.
Example
When you take a car loan:
You own and use the car.
The car is pledged to the bank as security.
If you fail to repay the loan, the bank has the legal right to seize and sell the car to recover its money.
This arrangement is called hypothecation.

khaan khand
TYPO

khaan hai krke kazakistan laga dia
ye hi toh exam me bhi ho jata hai🥹🤣

asset size dekh lo

MAY MONTH RBI NEWS 2026

Source- AffairsCloud [now Career cloud]

✅RBI Eases Rules for Small NBFCs, Grants Exemptions from July 1, 2026
NBFCs that do not avail of public funds and do not have a customer interface and have an asset size of less than Rs 1,000 crore (Crs) from the requirement of registration with the RBI.
• These entities will be classified as ‘Unregistered Type I NBFCs’, while all other NBFCs will be categorised as ‘Type II NBFCs’.
—given a one-time window to apply for deregistration by December 31, 2026
—The deregistration application is to be made through the RBI’s PRAVAAH portal.

✅RBI Allows Banks to Implement Suo Motu Loan Resolution in Calamities — effect from 1 July 2026.
—allowed banks and non-bank lenders to implement
—recommendation of the State Level Bankers’ Committee (SLBC).

✅RBI Imposes Penalties on YES Bank, Hinduja Housing Finance
Rs 33.60 lakh including Rs 31.80 lakh (YES Bank) and Rs 1.80 Lakh (Hinduja HousingFinance) for KYC non compliance.

✅RBI Cancels Licence of Mumbai-based Sarvodaya Co-operative Bank
under Sections 22(4) and 56 of the Banking Regulation Act, 1949.
—> due to Inadequate capital and poor earning prospects.

✅RBI Removes Prior Approval Requirement for Banks’ Outward Remittance Tie-ups with Fintechs (non bank entities)

✅RBI Amends Directions on Investment Fluctuation Reserves for Various Bank Categories
(IFR): It is a reserve created by banks out of their profits to absorb losses from mark-to-market (MTM) valuation changes in investments, to maintain to protect themselves against depreciation in the value of their investment portfolios.]
— » the requirement of IFR has been discontinued because the existing capital and risk management norms already provide adequate protection against investment risks.
—» applicable to Commercial banks (CB) and foreign banks (FB) only

✅RBI Imposes Regulatory Restrictions on Nagar Sahakari Bank, Caps Withdrawals at Rs 10,000 -for a period of six months
—> Etawah(Uttar Pradesh, UP)-based co-operative bank
—> restrictions due to deteriorating financial conditions and supervisory concerns.
—> No fresh deposits, loans, or borrowings without RBI approval
⚠️restrictions imposed on the bank should not be construed as cancellation of the banking licence.

✅RBI Cancels Licence of Yashwant Co-operative Bank in Maharashtra
Reason: Poor financial health, inadequate capital, and regulatory violations.

✅RBI Declared Rs 2.87 lakh Crore Dividend to GoI for FY26
—»higher than last year’s transfer of Rs 2.69 lakh crore
—» during the 623rd meeting of the Central Board of Directors (CBoDs) of RBI, chaired by Dr. Sanjay Malhotra, Governor of RBI in Mumbai

✅RBI Imposes Monetary Penalties on —
City Union Bank Limited (CUB), Mintifi Finserve Private Limited, and Newa Investments Private Limited for non-compliance with various regulatory directions.
✓ Rs 10.10 lakh on City Union Bank
✓ Rs 3.10 lakh on Mintifi Finserve
✓ Rs 2.70 lakh on Newa Investments.

✅RBI amends directions for UCBs, RCBs director cooling-off period — a mandatory three-year cooling-off period for directors who complete 10 years of continuous tenure on the board. — with immediate effect.
—» As per the latest amendment, directors completing a continuous tenure of 10 years on the board of a UCB, StCB or CCB will be eligible for re-appointment to the same bank’s board only after undergoing a minimum cooling-off period of 3 years.
Restrictions: During the 3 year cooling off period, the former director shall not be associated with the
same bank in any capacity or manner other than as a member or customer

✅RBI Sets up Expert Committee to Examine role of Quantum Tech in FinTech — to prepare a roadmap for making India’s financial ecosystem secure against future quantum-related cyber threats.
The committee has been formed under the initiative called Quantum Secure and Adaptive Financial Ecosystem (Q-SAFE).
eight-member expert panel under the leadership of Dr Anil Prabhakar,professor, at the Department of Electrical Engineering, IIT Madras. — Convener.

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kuchh agar reh jata hai by chance toh merko dm pe bata dena add krne ko
@bankingmainsbeesbot

🔆—« MAY Month SEBI News 2026 »—🔆

🔰SEBI Operationalises ‘PaRRVA Framework’ For Transparency & Investor Protection - ‘Past Risk and Return Verification Agency (PaRRVA) framework’ to Verify performance claims of intermediaries & finfluencers.
└--«« Recognition from : CARE rating as a verificaton body
└─«« PaRRVA Data Centre (PDC): NSE
PaRRVA is India’s first ,independently validate performance claims made by regulated intermediaries and unregistered finfluencers.

💠Eligibility Criteria:

└── CRA: Minimum 15 years of operation, Rs.100 crore net worth, ratings for 250+ issuers, and an investor grievance redressal system with Online Dispute Resolution (ODR).
└──PDC: Minimum 15 years of operation, Rs.200 crore net worth, nationwide terminals, and an investor grievance redressal system including ODR.


🔰SEBI Sets Up ‘Cyber-suraksha.ai’ Task Force to Tackle AI Driven Cyber Threats
└──to evaluate cybersecurity risks arising from advanced Artificial Intelligence (AI) tools and strengthen cyber resilience.
└──will comprise representatives from Market Infrastructure Institutions (MIIs), Qualified Registrar and Transfer Agents (QRTAs), Regulated Entities (REs) and other stakeholders.

🔰SEBI Proposes ‘GARUDA Mechanism’ to Speed Up AIF Scheme Launches
└──titled ‘Green-Channel: Alternative Investment Funds (AIF) Rollout Upon Document Acknowledgement (GARUDA) mechanism’ to accelerate the launch and approval process of AIF schemes in India.
—— >> Waiting Period Reduced:
├───For Non-Accredited investors [AI]– 10 working days (old – 30 working days),
└──--AI and Angel fund investors – fundraising immediately after filing documents with the regulator.

🔰The SEBI, a market regulator was constituted as a

non-statutory body on April 12,1988 through a resolution of the Government of India (GoI) and was established as a statutory body in 1992.
Chairman – Tuhin Kanta Pandey
Headquarters – Mumbai, Maharashtra

🔆—« MAY 2026 - Agreements & MoUs Signed »—🔆

❇️Jio Payments Bank Partners with Ezeepay [ Business Correspondent (BC)] to Expand Banking Access and last-mile digital banking services across rural and semi-urban India.
└──SERVICES :: Cash withdrawal, deposits & digital banking services through BC merchants.

❇️RBI & ECB Signed MoU to Boost Central Banking Cooperation During BIS meetings (Basel, Switzerland)

❇️Delhi Metro Rail Corporation (DMRC) has partnered with Airtel Payments Bank to launch
co-branded RuPay ‘On-The-Go’ National Common Mobility Cards (NCMC) for seamless digital payments
and metro travel across India.
└─Technology: Open-loop NCMC └─Variants: Debit Card and PPI-MTS
└──» cards are made using 99% recycled plastic to reduce carbon footprint.

❇️Mahindra & Mahindra (M&M) signed a (MoU) with DBS Bank, to launch India’s 1st sustainability-linked dealer financing scheme in the automotive sector. [Green financing based = ESG]
└─ dealers that meet defined criteria on ESG parameters, alongside sales targets, will get commercial benefits on loans used to buy passenger and commercial vehicles from the manufacturer.

❇️SEBI-Backed NISM Signs MoU with Indian Institute of Corporate Affairs [IICA] to Boost ESG, Capital Markets and Governance — in the presence of Tuhin Kanta Pandey, Chairman of SEBI in Mumbai.
└─ Key Initiatives: Certification courses, executive education & training programmes.

⚠️National Institute of Securities Markets (NISM):
In 2006, the Securities and Exchange Board of India (SEBI) established NISM as a public trust to carry out a wide range of capacity building activities at various levels to enhance the quality standards in securities markets.
Director- Sashi Krishnan
Headquarters- Mumbai, Maharashtra

❇️WBGB & Canara HSBC Life Insurance Partner to Strengthen Rural Insurance Coverage in West Bengal.
└─ Canara HSBC Life Insurance will use WBGB’s network of 960 branches across the state, to offer its insurance products.
└─ Canara HSBC Life Insurance—JV—Canara Bank and HSBC Insurance (Asia Pacific) Holdings Limited.

❇️Japan’s DBJ partners HDFC Capital [ one of India’s largest real estate private equity funds] to invest in housing projects across India — with a total targeted corpus of USD 1 billion.
└─Investment Vehicle: HDFC Capital Development of Real Estate Affordable and Mid-Income Fund (H-DREAM Fund)

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