Economics · Banking Regulations
Following regulatory revisions, which of the following describes the correct risk weight framework under RBI guidelines for consumer durable personal loans compared to loans secured against fixed deposits?
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1Both products carry a risk weight of 100% as they are classified together under retail lending.
- 2Personal loans carry a risk weight of 75% while loans against FDs carry 20% risk weight.
- 3Consumer durable personal loans carry a risk weight of 125% while loans against FDs carry 0% risk weight.✓
- 4Personal loans carry a risk weight of 100% while loans against FDs carry 0% risk weight.
Correct answer
Consumer durable personal loans carry a risk weight of 125% while loans against FDs carry 0% risk weight.
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