|
Growth
|
2.28%
|
|
Inflation
|
6.28%
|
|
Gross Domestic Savings (% of GDP)
|
18.1%
|
|
Gross National Savings
|
46%
|
|
GDP/Total Fixed Capital
|
28.1%
|
|
GDP/Total Capital Formation
|
50.2%
|
|
Exports
|
+0.2%
|
|
Imports
|
-15.3%
|
|
Trade Deficit
|
16.4%
|
|
Remittance
|
-3%
|
|
Deposit growth
|
13.3%
|
|
Credit Growth
|
10.7%
|
|
Capital Adequacy Ratio
|
13.4 %
|
|
Paidup Capital growth
|
8.2%
|
|
Non Performing Loan (NPL)
|
1.81%
|
|
GDP Growth
|
7%
|
|
Inflation
|
7%
|
|
FOREX reserves sufficient for
|
7 months
|
|
Repo rate
|
3%
|
|
SLF (upper bound of IRC)
|
5%
|
|
Deposit Collection Rate (lower bound of IRC)
|
1%
|
|
CRR
|
3%
|
|
SLR (A|B|C)
|
10|8|7%
|
|
Bank rate (LOLR)
|
5%
|
|
Class-A required to provide minimum 15% of total Credit in agricultural sector
|
|
Loan loss provision of 0.2% and 0.6% to be provided respectively in 1st year and 2nd year for loans provided for farming prescribed fruits.
|
|
Relaxation in loan loss provision for loans in silk, jute and cotton farming sector
|
|
Establishment of National Payment Switch
|
|
License of the PSPs that fail to make at least 3,00,000 customers and at least 6,00,000 monthly average transactions by Shrawan may be revoked.
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|
The remuneration and facilities of officers of BFIs shall be reviewed
|
|
Class A,B,C,D can charge service fee up to a maximum of 0.75%, 1%, 1.25% and 1.5%, respectively during sanctioning of loan
|
|
No penalty interest, fee or compensation from the customer if the payment period of capital or interest is extended due to Covid-19
|
|
Waive off any charges for using the ATM Card of one BFI at the ATM of another
|
|
Priority in providing working capital loan, concessional loan and refinance to the tourism related businesses hit by the COVID-19.
|
|
Class-A to extend at min.15% of total loans to micro, small and medium enterprises (MSMEs) with loan limit up to Rs. 10 million
|
|
Class-A to provide min. 10% of total Credit in Energy Sector
|
|
Class-A having specialization in energy sector lending will be permitted to issue 'Energy Bond'
|
|
BFIs to extend credit at base rate +1% for a period up to 5yrs to exporting hydropower projects and reservoir-based hydropower projects
|
|
Credit limit for business projects with acceptable collateral low-income individuals will be extended to Rs. 1.5 million
|
|
The max. interest rate on MFIs Credit = 15%
|
|
No more thatn 0.5% service fee sector lending
|
|
CCD Ratio : 85%
|
|
BFIs can distribute cash dividend to the extent of 30% of net distributable profit
|
|
No Loan loss and risk weight for the loans disbursed in infrastructure related projects.
|
|
Countercyclical buffer has been suspended.
|
|
Risk weight placed on operating, market and overall risks set to 3%, 1% and 3%
|
|
Class-A to be given incentives if they start merger and acquisition process by Asar, 2078: CRR waived by 0.5%, SLR by 1%
|
|
Class-B&C to disburse min. 20% & 15% loan to agriculture, MSMEs, energy and tourism
|
|
Loan to Value (LTV) will be set at 60% for the housing projects that are licensed by the GoN
|
|
LTV ratio (KTM Valley) =40% and LTV ratio (Outside Valley) =50%
|
|
Working capital loans due in Asar can be renewed by Poush
|
|
Defer the installment and interest payment of loans for
|
|
relatively less up to Poush
|
|
relatively more up to Chaitra
|
|
most affected up to Asar, 2078
|
|
BFIs can restructure and reschedule loans, which were in performing category in Poush
|
|
Extending grace period to those industries hit by COVID-19 (2yrs for tourist-standard hotels, 1 year for the hard-hit sectors, 9 months for the moderately affected sectors and 6 months for relatively less affected sectors. )
|
|
MFIs can extend the time for loan installment payment due as of Asar by maximum 6 months
|
|
The Limit of Foreign Money Exchange during import as per provisions related to DAP and DAA shall be kept at 50,000 USD
|
|
The limit of Foreign Money Exchange during import from third country via draft or TT 35,000 USD
|
|
The period of the LC for the import: 180 days.
|
|
The due date of issuance of advance payment certificate : 4 months
|
|
Refinance facilities up to 5 times of the available fund
|
|
Special refinance for export and sick industry at 1% (Max. Rs. 50 million)
|
|
MSME refinance at 2% (Max. Rs. 1.5 million)
|
|
General refinance at 3% (Max. Rs. 200 million)
|
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