The Reserve Bank of India (RBI) has raised the small value loan ceiling for Urban Co-operative Banks (UCBs) to Rs 3 crore per borrower, aiming to support the housing and real estate sectors while maintaining prudential limits.
RbiUrban Cooperative BanksLoan CeilingReal EstateHousingReal Estate NewsFeb 26, 2025
The new small value loan ceiling for Urban Co-operative Banks (UCBs) is Rs 3 crore per borrower.
The aggregate exposure of UCBs to the housing, real estate, and commercial real estate sectors is capped at 10 percent of their total assets.
UCBs have an additional allowance of 5 percent of their total assets for priority sector housing loans.
The individual housing loan ceilings are set at Rs 60 lakh for Tier-1 UCBs and Rs 1.4 crore for other UCBs.
The aggregate exposure to residential mortgages not classified as a priority sector is capped at 25 percent of the total loans and advances made by UCBs.
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