PSL Shortfall & RIDF Cost Calculator

Targets per the RBI (Priority Sector Lending – Targets and Classification) Directions, 2025 (RBI/FIDD/2024-25/128, 24 Mar 2025). Shortfall is actually assessed quarterly with the annual figure being the simple average of all four quarters -- this tool gives a single-point estimate from the figures you enter, not a full quarterly reconciliation. The RIDF deposit-rate tiers (Bank Rate minus 2/3/4 percentage points, by size of shortfall) are per Para 29(iii) of the same Direction. RBI does not publicly specify a fixed deposit tenor/lock-up period for RIDF contributions in the Master Direction -- this tool does not guess one; check directly with NABARD/your regulator contact for the tenor that applies to you.

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.