{"id":286452,"date":"2026-02-07T16:36:15","date_gmt":"2026-02-07T10:51:15","guid":{"rendered":"https:\/\/insurancekhabar.com\/?p=286452"},"modified":"2026-02-07T16:40:05","modified_gmt":"2026-02-07T10:55:05","slug":"indias-old-deposit-security-fee-has-been-scrapped-2","status":"publish","type":"post","link":"https:\/\/english.insurancekhabar.com\/indias-old-deposit-security-fee-has-been-scrapped-2\/","title":{"rendered":"India&#8217;s old deposit security fee has been scrapped."},"content":{"rendered":"<p>Kathmandu. The Reserve Bank of India (RBI) is set to revamp how banks pay for deposit insurance by adding security charges to a lender&#8217;s risk profile instead of a decades-old uniform fee. Under the new RBI framework, it aims to reward strong banks with low risk by offering insurance at cheaper rates and encourage proper risk management. <\/p>\n<p>From April 1, banks will pay deposit security charges under the new system, which will be implemented by the Deposit Insurance and Credit Guarantee Corporation, the RBI said in a release on Friday. <\/p>\n<p>India has operated a uniform rate deposit insurance system since 1962. Under this, banks pay a uniform fee \u2013 at the rate of 12 paise per 100 rupees. It does not assess the level of risk. <\/p>\n<p>Under the new structure, banks will be evaluated using financial and supervisory indicators such as capital, asset quality, earnings and liquidity, the RBI said. <\/p>\n<p>The central bank has introduced two risk assessment models. Tier 1 model for scheduled commercial banks other than regional rural banks, and tier 2 model for regional rural banks and cooperative banks.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kathmandu. The Reserve Bank of India (RBI) is set to revamp how banks pay for deposit insurance by adding security charges to a lender&#8217;s risk profile instead of a decades-old uniform fee. Under the new RBI framework, it aims to reward strong banks with low risk by offering insurance at cheaper rates and encourage proper [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":79988,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45117,45044,45159],"tags":[],"class_list":["post-286452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-finance-en","category-international-news-en","category-news-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/286452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/comments?post=286452"}],"version-history":[{"count":1,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/286452\/revisions"}],"predecessor-version":[{"id":286453,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/286452\/revisions\/286453"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/media\/79988"}],"wp:attachment":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/media?parent=286452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/categories?post=286452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/tags?post=286452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}