I disagree with no impact, but very minimal impact. RBI’s regulation applies to all retail loans except housing loans, vehicle loans, educational loans, loans against gold and microfinance/SHG loans. The increase in risk-weighted assets will lead to a decrease in the capital adequacy ratios however it is not expected to materially impact the overall capitalization.
In Ugro’s case, we need to see what consolidated AUM comprises of. How much percentage will fall in to RBI’s regulation is the key.
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