RBI Announces Phased Discontinuation of Incremental Cash Reserve Ratio (I-CRR)

The Reserve Bank of India (RBI) has unveiled a plan to gradually discontinue the Incremental Cash Reserve Ratio (I-CRR) in response to evolving liquidity conditions. This strategic move aims to ensure that the financial system remains stable and money markets operate smoothly.

Phased Release of I-CRR

The RBI has outlined a phased release of the I-CRR funds. On September 9, 25% of the I-CRR will be released, followed by another 25% on September 23. The remaining 50% of the I-CRR will be released on October 7.

Origins of the I-CRR

The RBI Governor, Shaktikanta Das, introduced the I-CRR, mandating all scheduled banks to maintain a 10% reserve ratio on the increase in their net demand and time liabilities (NDTL) between May 19, 2023, and July 28, 2023. The objective was to absorb surplus liquidity stemming from various factors, including the reintroduction of ₹2,000 notes into the banking system.

Temporary Measure for Liquidity Management

Governor Das emphasized that the I-CRR was always intended as a “temporary measure” to address the liquidity surplus. The net impact of this incremental CRR, according to the RBI’s internal calculations, amounted to slightly over ₹1 lakh crore.

This phased discontinuation of the I-CRR is a significant development in India’s monetary policy, aiming to maintain financial stability and manage liquidity in a controlled manner.

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Piyush Shukla

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