印度从2025年起转向基于风险的银行存款保险,保险费上限为每100英镑12美元。 India to shift to risk-based bank deposit insurance from 2025, capping premiums at 12 paise per ₹100.

印度储备银行计划从26财政年度开始以基于风险的模式取代其63年的固定存款保险制度,根据这种模式,银行的保险费将反映其财务健康。 The Reserve Bank of India plans to replace its 63-year-old flat-rate deposit insurance system with a risk-based model starting in FY26, under which banks’ premiums will reflect their financial health. 更安全的银行将支付较低的保险费,鼓励良好的做法,而目前的每100欧元12美元利率将是一个上限。 Safer banks will pay lower premiums, encouraging sound practices, while the current 12 paise per ₹100 rate will serve as a cap. 存款覆盖率仍维持在每家银行存款人人均5拉克的水平,没有变化。 Deposit coverage remains at ₹5 lakh per depositor per bank, unchanged. 修改的目的是使保险费与风险更加一致,不久将颁布详细的规则。 The change aims to better align premiums with risk, with detailed rules to be issued soon.