Free CRAR Calculator
for NBFCs & UCBs
Compute your Capital to Risk-Weighted Assets Ratio instantly. Get a pass/fail against your entity-type regulatory minimum per RBI Master Directions. All computation stays in your browser.
Step 1 — Institution Setup
Required CRAR: 12% (Tier 1: 9%)
Step 2 — Capital Base
Paid-up capital + retained earnings + statutory reserves
Subordinated debt, revaluation reserves, general provisions
Step 3 — Risk-Weighted Assets
Enter exposure amounts (₹ lakhs). Risk weights are auto-applied.
Cash & Equivalents
0% — Cash, RBI balances, Govt securities (SLR)
Central Govt Securities (Non-SLR)
2.5% — Non-SLR central govt securities
State Govt Securities
20% — State government guaranteed securities
PSU / Claims on Entities
100% — PSU bonds and corporate claims
Retail Loans (Standard)
75% — Consumer loans, personal loans, MSME
Housing Loans (≤ ₹30L)
35% — Home loans up to ₹30 lakh
Housing Loans (> ₹30L)
75% — Home loans above ₹30 lakh
Commercial Real Estate
100% — CRE loans per RBI norms
Corporate Loans (Standard)
100% — Loans to companies, NBFCs
NPA — Sub-standard
150% — Sub-standard assets (0–3 years NPA)
NPA — Doubtful / Loss
150% — Doubtful and Loss assets
Other Assets
100% — All other assets not categorized above
Results appear here
Fill in your capital figures and asset exposures, then click Calculate.
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