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Policy on Unlicensed Banks, Unit Banks and Branch Licensing

Policy on Unlicensed Banks, Unit Banks and Branch Licensing

Discuss Policy on Unlicensed Banks, Unit Banks and Branch Licensing within the Management Of Co-operatives ( MOC ) forums, part of the Resolve Your Query - Get Help and discuss Projects category; Policy on Unlicensed Banks, Unit Banks and Branch Licensing Licensed urban co-operative banks, which are not classified as weak / ...

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Policy on Unlicensed Banks, Unit Banks and Branch Licensing - September 16th, 2010

Policy on Unlicensed Banks, Unit Banks and Branch Licensing

Licensed urban co-operative banks, which are not classified as weak / sick may apply for allotment of centres under the Annual Action Plan (AAP) to the Reserve Bank of India.

The Annual Action Plan should be for a period of twelve months beginning April 1 of the year and should have the approval of the board. The following criteria should be ensured by the UCBs before applying for allotment of centres.



(a) Capital to Risk Assets Ratio (CRAR) of banks should not be less than that prescribed by the Reserve Bank from time to time. This condition will come into force only after application of CRAR to UCBs;


(b) Banks should have posted net profits during each of the preceding two years;


(c) Their net non-performing assets (NPAs) should be less than 10 per cent of their net loans and advances as on the last balance sheet date and they should have made requisite provisions as per the Reserve Bank guidelines;


(d) Banks should conform to the Priority Sector Advances norms prescribed by the RBI.


(e) Banks should have demonstrated track record of compliance with provisions of the Banking Regulations Act, 1949 (As Applicable to Cooperative Societies), the Reserve Bank of India Act, 1934 and the instructions / directions issued by the Reserve Bank from time to time.

They should maintain requisite level of cash reserve ratio (CRR) and statutory liquidity ratio (SLR) and also ensure timely submission of statutory and other returns.


Non-scheduled UCBs should continue to obtain prior approval of RBI after complying the eligibility criteria. The Committee also recommends that non-scheduled UCBs should not open more than 10% of their existing branches subject to a minimum of one branch, in any given year.

No UCB can open more than 2 branches on its inception or within a period of 2 years thereafter. Scheduled UCBs may be permitted to open mobile and satellite offices subject to compliance with guidelines.


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