Tons river = Tributary of Yamuna
central : states = 9:1 funding ratio

NEFT RTGS

Our Skimmers 🤣
Faah!!!

Jeh Aerospace & Solestra Group Signed Agreement to Establish Global Manufacturing Centre in Hyderabad

52nd Group-7 (G-7) summit held in Evian-les-Bains, France.

QS Rankings

RBI Eases Capital Norms for Banks under ECLGS 5.0

News Kya Hai?
16 June 2026 ko RBI ne banks ke liye capital adequacy rules ko relax (easier) kar diya hai un loans ke liye jo ECLGS 5.0 ke under diye ja rahe hain. Isse banks ko kam capital rakhni padegi aur woh MSMEs aur businesses ko zyada loan dene ke liye encourage honge.

Pehle ECLGS 5.0 Samjho

ECLGS = Emergency Credit Line Guarantee Scheme
Launch: May 2026
Reason: West Asia Crisis ki wajah se businesses ko liquidity (cash flow) problem ho rahi thi.
Government ne additional working capital loan provide karne ke liye scheme launch ki.
Guarantee di jaati hai by National Credit Guarantee Trustee Company (NCGTC).

Guarantee Coverage:

MSMEs → 100% Government Guarantee
Non-MSMEs & Airline Sector → 90% Government Guarantee

Capital Norms Kya Hote Hain?

Har bank ko apne diye hue loans ke against kuch capital (own funds) reserve rakhna padta hai.
Jitna risky loan hoga,
➡️ utna zyada capital bank ko rakhna padega.
Yehi Capital Adequacy Norms kehlate hain.

Risk Weight Kya Hota Hai?

Risk Weight batata hai ki loan kitna risky maana ja raha hai.
Example:
Government Bond → 0% Risk Weight
Home Loan → Low Risk Weight
Business Loan → Higher Risk Weight
Risk Weight jitna kam,
➡️ utni kam capital reserve karni padti hai.

RBI Ne Kya Badla?

Earlier:😁
Banks ko guaranteed loan portion par bhi capital maintain karni padti thi.
Now:🥹
ECLGS 5.0 ke eligible guaranteed exposure ke 75% part par 0% Risk Weight allow kar diya gaya hai.

Condition:

Agar guarantee invoke hone ke 30 din ke andar settlement expected ho.
Remaining exposure par existing 20% Risk Weight continue rahega.
Iska Matlab Simple Language Mein
Suppose
Bank ne ₹100 crore ka ECLGS loan diya.
Government guarantee = ₹100 crore (MSME case)
Ab:
₹75 crore → 0% Risk Weight
₹25 crore → 20% Risk Weight

Result:

Bank ko pehle se kaafi kam capital reserve karni padegi.
Banks Ko Kya Benefit Hoga?
✅ Capital bach jayega.
✅ Capital Adequacy Ratio improve hogi.
✅ Lending capacity badhegi.
✅ MSMEs ko aur aasani se loan mil sakega.
✅ Economic activity ko support milega.

Businesses Ko Kya Benefit Hoga?

Working capital easily milega.
Liquidity problems kam hongi.
Business operations continue kar paayenge.
Employment ko support milega.

Exam-Oriented One-Liners
Date: 16 June 2026
Regulator: RBI
Scheme: ECLGS 5.0
Purpose: Support businesses affected by West Asia Crisis
MSME Guarantee: 100%
Non-MSME & Airline Guarantee: 90%
75% eligible guaranteed exposure → 0% Risk Weight
Remaining exposure → 20% Risk Weight
Condition: Guarantee settlement expected within 30 days after invocation
Objective: Reduce banks' capital burden and boost credit flow to businesses.