Liquidity Coverage ratio (LCR)- review of haircuts on HQLA and review of run- off rates on deposits: RBI has revised its guidelines on liquidity standards, specifically the LCR. The changes include an increased run-off factor of 2.5 percent for retail deposits with internet and mobile banking, treating unsecured wholesale funding from non-financial small businesses similar to retail deposits, and valuing Level 1 High Quality Liquid Assets (HQLA) based on current market value with haircuts aligned to LAF/MSF margin requirements. Also, the deposits contractually pledged as collateral will be considered callable for LCR. The deposits from non-financial entities like trusts and partnerships will now attract a lower run-off rate of 40 percent, instead of 100 percent, unless categorized as small business customers. (RBI Notification 27/2025 Dated 21/04/2025)