The minimum capital adequacy ratio (CRAR) for banks in India at nine per cent is higher than the Basel norm of eight per cent. Banks are also required to ensure minimum  2  BIS Review 25/2010  Tier I capital ratio of six per cent from April 1, 2010.
The current average CRAR for the scheduled commercial banks is over 13 per cent while Tier I ratio is about nine per cent. Importantly, Tier I capital does not include items such as intangible assets and deferred tax assets that are now sought to be deducted internationally. Liquidity buffers 10.