Transition to the expected credit loss framework for all scheduled commercial banks and AIFI from April 01, 2027, with a glide path till FY32 to absorb the one-time impact of higher provisions.

(Photo: Vijay Sartape/ NDTV Profit) The transition to the ECL framework will increase provisioning requirements, as potential losses on standard and off-balance-sheet exposures get recognized earlier, creating near-term pressure on capital and profitability.

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