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CRAR / PCA Distance Tracker
See how close a bank is to its regulatory capital minimum and to RBI's Prompt Corrective Action trigger levels.
Below is only meaningful for Scheduled Commercial Banks -- RBI’s Prompt Corrective Action framework applies to them.
Minimums: Scheduled Commercial Banks 11.5% (9% Pillar-1 + 2.5% Capital Conservation Buffer, RBI Master Circular – Basel III Capital Regulations, CCB fully phased in since 1 Oct 2021); Small Finance Banks 15% (RBI SFB Licensing Guidelines, 2025); NBFCs Middle/Upper Layer 15% (Scale Based Regulation Directions, 2023); UCBs 9-12% by tier. PCA thresholds per the revised framework effective 1 Jan 2022 (deviation-from-minimum basis points, not fixed capital numbers) — Net NPA bands 6%/9%/12%, capital and leverage bands in basis points below the applicable minimum/floor. This tool does not show historical examples of specific banks that crossed these lines -- BankPulse only shows that where it has verified, tracked data on file, to avoid guessing at another bank’s history.
This is a working aid to help you estimate faster -- not legal, accounting or credit-sanctioning advice, and not a substitute for your bank’s own policy, sanction terms, or the official RBI source. Always confirm the exact current figures on rbi.org.in before relying on any number here.