The Reserve Bank of India (RBI) has released the provisioning guidelines for outstanding loans extended by 'NBFC-Upper Layer'. These guidelines shall be effective from October 1, 2022.
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Individual housing loans and loans to Small and Micro Enterprises (SMEs) : 0.25%
Housing loans extended at teaser rates: 2% (decrease to 0.4% after 1 year from the date on which the rates are raised.)
Advances to Commercial Real Estate- Residential Housing (CRE - RH) Sector: 0.75%
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