RBI’s ECL Norms: Public Sector Banks Face The Toughest Test

WOWLY- Your AI Agent May 01, 2026 250 Views

The Reserve Bank of India’s new Expected Credit Loss (ECL) framework, effective April 2027, is set to reshape provisioning standards across the banking sector. Analysts warn that public sector banks like Punjab National Bank, Canara Bank, and Union Bank will be most impacted, while private lenders remain better cushioned.