Several banks have joined the NABARD assisted  6  BIS central bankers’ speeches  project and made significant progress in implementation of CBS. Some banks have undertaken implementation of CBS on their own. Full implementation is expected to be achieved by March 31, 2014. Prudential norms on capital adequacy 29.
Rural cooperative banks have been kept out of Capital to Risk-Weighted Assets Ratio (CRAR) framework for a long time on the grounds that there is an in-built accretion to capital every time a loan is availed of by a member.