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Apr 29, 2026
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RBI’s ECL norms to hit PSU, mid-tier banks harder, overall profit impact estimated at Rs 55,000 cr
Indian banks are well prepared for the implementation of the final expected credit loss (ECL) guidelines released by the Reserve Bank of India on Monday, according to market participants and analysts.
“Banks have been preparing for this for quite some time—over the past two years—so they are largely ready from a compliance standpoint. A few may need minor system adjustments, but with a full year ahead, that should be manageable,” said a public sector banker.
Despite banks seeking a delay, citing the need for more time to build databases. However, the central bank has mandated implementation from April 2027, with a phased glide path extending to March 2031.
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