KRANTI CO-OPERATIVE URBAN BANK LTD.
# 7-4-158, Hotel Samrat Complex, Main Road, Balanagar, Hyderabad – 500 011.
| Prudential Exposure Norms and Compliance to R.B.I. Directives ( As on 31.03.2026) | |||
| S.No | PARAMETERS | RBI DIRECTIVES | BANKS’ COMPLIANCE |
| Liquidity: | |||
| 1. | Statutory Liquidity Ratio (SLR) | Min. 18.00% of NDTL | Maintained throughout the year
|
| 2. | Cash Reserve Ratio (CRR) | Min 3.00% of NDTL | Maintained throughout the year |
| 3. | Net Worth | Min. Rs. 200 lakhs | Rs.789.99 Lakhs |
| 4. | Capital to Risk Weighted Assets Ratio (CRAR) | Min. 9% shall be maintained
1% more in case of FSWM Banks. |
11.06% |
| Credit : | |||
| 5. | Credit Exposure Ceilings | Max 15% Net Owned funds per Borrower
Max. 25% of Net Owned Funds per Associates |
Within the Exposure Limits
Within the Exposure Limits |
| 6. | Exposure to Unsecured Advances | Max 10% of total Assets | 0.89% |
| 7. | Priority Sector Advances | Min. 60% of Adjusted Net Bank Credit (of previous year) | 69.27% |
| 8. | Weaker Section Advances | Min 11.5% of Adjusted Net Bank Credit(of previous year) | 16.44% |
| 9 | Micro Enterprises | Min. 7.50% of Adjusted Net Bank Credit (of previous year) | 50.01% |
| 10. | i)Gross Non-Performing Assets ii) Net Non Performing Assets | i) < 7% of the Total Advances
ii) <3% of the Total Advances |
Gross NPA – 1.85%
Net NPA – 0.69% |
| 11 | Loans to Directors | Not to sanction any loans after 01-10-2003 | NIL |
| 12. | Credit policy & Investment policy | Bank should have a clear written policy | YES |
| 13. | NPA Provision requirements | Standard Assets
a)Direct Advances to Agriculture and SME sector 0.25% b)Commercial Real Estate (CRE) Sector Advances 1.00% c)CRE – Residential Housing Sector 0.75% d) All other Standard Loan Advances 0.40% |
Required Provisions are made |
| 100% on Loss Assets
100% on Advances – doubtful more than 3 years 30% on Advances – doubtful 1 to 3 years 20% on Advances – doubtful upto 1 year 10% on Sub Standard Advances |
Provisions are made adequately | ||
| Miscellaneous: | |||
| 14 | Staff cost | Max 2% of working capital | 1.71% |
| 15
|
Advances against Shares | Should not be given | Not given |
| 16 | Investment in other UCBs | May be in Schedule UCBs subject to Norms | Nil |
| 17. | Payment of DICG Premium
(Coverage up to Rs.5.00lakhs |
Should be paid promptly | Paid during 2025-26 Rs.10,22,381.00 for covering of Insurance up to 31.03.2026. |
| 18 | Submission of Returns to RBI | Should be submitted as per timelines | Submitted regularly in time. |
| For M/S GRANDHI & ASSOCIATES, |
| Chartered Accountants |
| Firm No. 001005S |
| CA G V RAMAVATARAM |
| Partner |
| M No: 027587 |