印度从2026年4月1日起以基于风险的保险费取代64年的银行统一存款保险率。 India to replace 64-year-old flat bank deposit insurance rate with risk-based premiums starting April 1, 2026.

印度的存款保险制度将从2026年4月1日起转向基于风险的保险费模式,取代了64年前每100英镑存款12美元的统一费率。 India’s deposit insurance system will shift to a risk-based premium model starting April 1, 2026, replacing the 64-year-old flat rate of 12 paise per ₹100 of deposits. 银行将按风险分为A至D类,保险费从8到12比索不等,为低风险机构节省高达33%的资金。 Banks will be categorized A to D based on risk, with premiums ranging from 8 to 12 paise, offering up to 33% savings for low-risk institutions. 强势银行的盈利能力可能提高,而区域农村银行和合作银行则面临单独的评估。 Stronger banks may see improved profitability, while regional rural banks and cooperative banks face a separate assessment. 由于数据问题,当地地区银行和付款银行仍维持在统一费率以下。 Local area banks and payments banks remain under the flat rate due to data issues. 对稳定、长期存续的银行来说,年资奖励允许最高25%的折扣。 A vintage incentive allows up to 25% discount for stable, long-standing banks. 保险费必须提前支付,评级是保密的。 Premiums must be paid in advance, and ratings are confidential. 该系统将每三年进行一次审查。 The system will be reviewed every three years.