Mumbai, April 22 -- April 22:The RBI has issued new Liquidity Coverage Ratio (LCR) guidelines which will require a bank to assign additional run-off rates of 2.5 per cent to internet and mobile banking-enabled retail and small business customer deposits with effect from April 1, 2026.

Banks will also have to adjust the market value of Government Securities (Level 1 HQLA) with haircuts in line with margin requirements under the Liquidity Adjustment Facility (LAF) and Marginal Standing Facility (MSF). In addition, the final guidelines also rationalise the composition of wholesale funding from "other legal entities".

Consequently, funding from non-financial entities like trusts (educational, charitable and religious), partnerships, LLPs, e...