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10 Fundamentals of Small Banks
What are small banks? The small finance bank will primarily undertake basic banking activities of acceptance of deposits and lending to unserved and underserved sections including small business units, small and marginal farmers, micro and small industries and unorganized sector entities.
#1 Promoter must contribute minimum 40% equity capital and should be brought down to 30% in 10 years.
#2 Minimum paid-up capital would be Rs.100 cr
#3 Capital adequacy ratio should be 15% of risk weighted assets, Tier-I should be 7.5%
#4 Foreign shareholding capped at 74% of paid capital, FPIs cannot hold more than 24%
#5 Priority sector lending requirement of 75% of total adjusted net bank credit
#6 50% of loans must be up to Rs.25 lakh
#7 They can take small deposits and disburse loans
#8 They can distribute mutual funds, insurance products and other simple third-party financial products
#9 They can lend 75% of their total adjusted net bank credit to priority sector
#10 Maximum loan size would be 10% of capital funds to single borrower, 15% to a group, Minimum 50% of loans should be up to 25 lakhs
The 10 applicants who have a go ahead 1) Au Financiers (India) Ltd. 2) Capital Local Area Bank Ltd. 3) Disha Microfin Pvt. Ltd. 4) Equitas Holdings Pvt. Ltd. 5) ESAF Microfinance and Investments Pvt. Ltd. 6) Janalakshmi Financial Services Pvt. Ltd. 7) RGVN (North East) Microfinance Ltd. 8) Suryoday Micro Finance Pvt. Ltd. 9) Ujjivan Financial Services Pvt. Ltd. 10) Utkarsh Micro Finance Pvt. Ltd.
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