Answer: 12%
Notes: The Reserve Bank of India has hiked the minimum capital adequacy ratio (CAR) for Urban Cooperative Banks (UCBs) to 12 per cent from the earlier ratio of 9 per cent. The requirement is applied for Tier 1 banks, with deposits above Rs 100 crore. RBI has also provided a path till March 2026 to meet revised CAR norm in phases, for UCBs that don't meet it currently. This is based on recommendations of a panel headed by N S Vishwanathan, former Deputy Governor.
