What is the minimum regulatory Common Equity Tier 1 (CET1) capital ratio that banks in India must maintain, as per RBI guidelines?

4.5%
5.0%
5.5%
6.0%
6.5%

Correct answer: 4.5%

Solution

Under RBI’s Basel III framework, banks must maintain a minimum CET1 capital ratio of 4.5%. This is the basic common equity requirement, excluding additional capital conservation buffers.

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