Motilal Oswal recommends HDFC Bank, SBI as top picks ahead of RBI’s ECL regime transition

October 12, 2025

RBI’s draft ECL framework and revised credit risk capital norms aim to modernise India’s banking sector, promoting forward-looking risk management and capital efficiency. Scheduled banks will adopt model-based provisioning by FY2032, enhancing transparency and resilience. Strong private and public lenders are poised to benefit, with HDFC Bank and SBI as top picks.

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