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RBI eases mandatory regulatory norms for banks issuing infra bonds

16 Jul 2014 Evaluate

In order to encourage infrastructure development and affordable housing, the Reserve Bank of India (RBI) has exempted long-term bonds from the mandatory regulatory norms such as the Cash Reserve Ratio (CRR), the Statutory Liquidity Ratio (SLR) and Priority Sector Lending (PSL), provided the funds raised from these bonds, which have minimum maturity of seven years, were utilized for lending to long-term projects in infrastructure sub-sectors and affordable housing.

According to RBI circular, the central bank intends to ease raising long-term funds by banks for infrastructure and allot infrastructure status for affordable housing projects. This is much in pursuance of Finance Minister Arun Jaitley’s budget speech in which he underscored the need to encourage banks to extend long term loans to infrastructure sector with flexible structuring to absorb potential adverse contingencies, sometimes known as the 5/25 structure.

Under the 5/25 structure, bank may fix longer amortization period for loans to projects in infrastructure and core industries sectors, say 25 years, with periodic refinancing, say every five years. However, RBI in its circular did not prescribe ceiling or floor on repayment term. Also, no cap on the quantum of long-term bonds to be issued by banks was fixed.

But, RBI underscored that it would allot infra status for home loans up to Rs 50 lakh, though with some riders. Further, central bank also has allowed banks to issue infra bonds via private, public placement and eased priority sector norms for banks’ long-term bonds.

However, it barred the cross-holding of infra bonds among banks and maintained long-term bonds of banks being plain vanilla in form, not having call or put option. It further mandated banks to share data on long-term bonds soon after issuance and ordered them of not fixing infra loan amortization schedule at appraisal stage, exceeding 80 percent of project life. Additionally, RBI allowed banks to issue only rupee-denominated infra bonds, which may offer initial term of 5-7 years for infra, core loan.

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RBI eases mandatory regulatory norms for banks issuing infra bonds

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