Risk Weights for Important Assets

Risk Weights for Important Assets
Cash, balance with RBI, 0%
Balances with other banks with CRAR of 9% & above

20%
Secured loans to Staff Members 20%
Other loans to staff members 75%
Housing Loan if LTV.ratio more than 75% 100%
Housing loan if LTV Ratio is up to 75%
Loan up to Rs.30 lac to individual secured by Mortgage 50%
Loan more than Rs.30 lac to individual secured by Mortgage 75%
All Housing Loan of Rs 75 lakh and above 125%
Forex and gold open position 100%
Exposure to Central/State Govt 0%
Central Govt guaranteed advance 0%
State Govt guaranteed advances 20%
Loans to PStis (not guaranteed by Govt) 100%
Claims on unrated corporates 100%
Exposure to DICGC/CGFT. 0%Exposure to ECGC 20%
Loans against FOR, LIC policy, NSCs with margin 0%
Education loan (under Basel I —100%) But under Basel-II 75%
Loans against gold/silver jewellery up to Rs.1 lac 50%
Consumer credit / credit cards/Personal Loan 125%
Exposure to capital market 125%
Commercial real estate . 100%
Commercial Real Estate — Residential Housing (CRE-RH) 75%
Venture Capital invstmt as part of Capital market exposure 150%
Loans to non-deposit taking NBFCs for on-lending 100%
Retail Loan & Loan to SME (Retail Loan means limits up to Rs 5 crore and sale 75%
FY less than Rs 50 crore)
NPA if specific provision is less than 20% 150 %
If specific provision is 20% and above but less than 50% 100%
If specific provision is 50% and above• 150%
Bills purchased under LC issued by another bank 20%