{"id":5695,"date":"2026-05-03T16:54:21","date_gmt":"2026-05-03T16:54:21","guid":{"rendered":"https:\/\/bhatiabhola.com\/?p=5695"},"modified":"2026-05-03T16:54:22","modified_gmt":"2026-05-03T16:54:22","slug":"rbi-directions-397-2026-dated-27-04-2026-commercial-banks-capital-charge-for-credit-risk-standardised-approach-directions-2026","status":"publish","type":"post","link":"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/05\/03\/rbi-directions-397-2026-dated-27-04-2026-commercial-banks-capital-charge-for-credit-risk-standardised-approach-directions-2026\/","title":{"rendered":"RBI Directions 397\/2026 Dated 27\/04\/2026 &#8211; Commercial Banks Capital Charge for Credit Risk Standardised Approach Directions 2026\u00a0"},"content":{"rendered":"\n<p>The directions implement the Basel III framework for calculating risk-weighted assets in a more consistent and risk sensitive manner. These mandate the Standardised Approach for assessing credit risk across banking book exposures, covering sovereigns, banks, corporates, MSMEs, retail, real estate, and off-balance sheet items. The framework prescribes detailed risk weights based on external credit ratings, exposure types, and collateral, while emphasizing due diligence, alignment with internal risk assessment, and prudent valuation norms.\u00a0<\/p>\n\n\n\n<p><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/notification\/PDFs\/397MD7DCC951F9F014A738C60E0FBC1A73D70.PDF\"><em>(Link:&nbsp;RBI Directions 397\/2026 Dated 27\/04\/2026)<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The directions implement the Basel III framework for calculating risk-weighted assets in a more consistent and risk sensitive manner. These [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[72,102],"tags":[],"class_list":["post-5695","post","type-post","status-publish","format-standard","hentry","category-rbi","category-master-directions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Directions 397\/2026 Dated 27\/04\/2026 - Commercial Banks Capital Charge for Credit Risk Standardised Approach Directions 2026\u00a0 - Bhatia Bhola &amp; Associates LLP<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/05\/03\/rbi-directions-397-2026-dated-27-04-2026-commercial-banks-capital-charge-for-credit-risk-standardised-approach-directions-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Directions 397\/2026 Dated 27\/04\/2026 - Commercial Banks Capital Charge for Credit Risk Standardised Approach Directions 2026\u00a0 - Bhatia Bhola &amp; Associates LLP\" \/>\n<meta property=\"og:description\" content=\"The directions implement the Basel III framework for calculating risk-weighted assets in a more consistent and risk sensitive manner. 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