![Reserve Bank comes out with Provisioning norms for large NBFCs Reserve Bank comes out with Provisioning norms for large NBFCs](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhfBGcOMa1epRswsMpuoS2bqO1YduGQ39KJ41c6PqhQA8eC69GcdDBtt0GWCdr-4I1mKIKl1X7uhMD5u0YQ_Ty9ocak_oMMqLB_6OjvRnwTdw0tBFfR-ABLjGOff1MWn3jPVket8vAebLHxLETbfd9GshXZxGLtZFuLlV4DNPB3CXtlH4500ZWgOhH8Q/w320-h213-rw/RBI%20NBFC.jpg)
- Based on their size, activity, and perceived riskiness a framework for scale-based regulation for NBFCs has been designed.
- While considering scale-based regulation for NBFCs, the four layers are Base Layer, Middle Layer, Upper Layer, and Top Layer.
- The upper layer comprises those NBFCs which are specifically identified by RBI as warranting enhanced regulatory requirements based on a set of parameters and scoring methodology.
- Besides it also consists of the top ten eligible NBFCs in terms of their asset size.
- In the case of individual housing loans and loans to Small and Micro Enterprises (SMEs), the rate of provision has been specified at 0.25% and for housing loans, it has been fixed at 2%.
- Apart from that, the rate of provision for medium enterprises has been fixed at 0.4% and restructuring loans will be as per the stipulation in the applicable prudential norms.
Question:
Q.1 As per the recent norms for NBFCs, scale-based regulation has been divided into how many types?a. 4
b. 3
c. 2
d. 1