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Banks Set to Feel Profit Pinch with New Deposit Rules

Banks Set to Feel Profit Pinch with New Deposit Rules

Yo, listen up! Starting April 1, 2026, the DICGC's droppin' a new risk-based deposit framework that could hit bank profits by ₹2,000 to ₹12,000 crore. Strong banks gonna score discounts, keepin' their game tight while RoA could see a lil' boost. It’s all about that risk management, baby!

Quick rundown

  1. New risk-based deposit framework impacts banking profitability.
  2. Stronger banks benefit from discounted premium rates.
  3. DICGC to implement Risk Based Premium framework from April 2026.
  4. Public sector banks contribute 54% to deposit base.
  5. Top private banks likely to receive high risk scores and discounts.

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