RBI CRR & SLR Calculator

Updated for Feb 2026 Rates. Calculate reserve requirements, lendable resources, and estimate shortfall penalties.

Bank Parameters

Actual Reserves Held
Enter actual cash parked with RBI
Enter value of unencumbered securities
Fortnightly Status
Required CRR
@ 3.00%
₹ 0
MATCHED
Required SLR
@ 18.00%
₹ 0
MATCHED
Lendable Resources ₹ 0
(NDTL - Required Reserves)
Reserve Shortfall Detected
Estimated Penalty (Fortnight):
₹ 0
Based on Bank Rate (5.50%) + Penal Spread

Use this table to average your daily Cash Maintenance. RBI requires 100% maintenance on average over 14 days, but daily maintenance can drop to 90%.

Day Date Actual Cash Balance (₹) Actions
Average Daily Balance: ₹ 0
vs Required CRR: ₹ 0

Why Use the Feb 2026 CRR & SLR Calculator?

With the RBI keeping the Cash Reserve Ratio (CRR) at 3.00% and SLR at 18.00% in February 2026, banks must optimize their liquidity management. A shortfall in maintaining these reserves attracts penal interest starting at Bank Rate (5.50%) + 3%.

This calculator helps Treasury Managers and banking aspirants understand:

  • NDTL Calculation: How deposits convert into required reserves.
  • Fortnightly Averaging: Managing cash flows across the 14-day reporting cycle.
  • Penalty Impact: The cost of non-compliance on profitability.

What is NDTL and How Is It Calculated?

Net Demand and Time Liabilities (NDTL) is the sum total of a bank's demand and time liabilities (deposits) held by the public and other entities, minus its deposits with other banks. It serves as the base figure upon which the Reserve Bank of India (RBI) mandates reserve requirements like CRR and SLR.

Liabilities are broadly classified into two categories:

  • Demand Liabilities: Funds that must be paid back immediately on demand, such as Current Account balances, Demand Drafts, and the demand portion of Savings Accounts.
  • Time Liabilities: Funds deposited for a fixed tenure, such as Fixed Deposits (FDs), Recurring Deposits (RDs), and Staff Security Deposits.
The NDTL Formula:
NDTL = (Demand Liabilities + Time Liabilities + Other Demand & Time Liabilities) - Deposits with Other Banks

To calculate the "Net" figure, banks deduct inter-bank assets (money they have deposited with other banks) from their total liabilities. This prevents the double-counting of the same money within the banking system. For example, if a bank has Total Deposits of ₹10,000 Cr but holds ₹500 Cr with other banks, its NDTL for CRR calculation is ₹9,500 Cr.

Frequently Asked Questions

As of February 2026, the Cash Reserve Ratio (CRR) is 3.0%. It remains at this level per the latest RBI policy.

As of February 2026, the SLR is 18.0%, unchanged since previous policies. Banks must maintain this in liquid assets like cash, gold, or government securities.

NDTL is the total of a bank's demand and time liabilities (e.g., savings, current, fixed, and recurring deposits), excluding inter-bank deposits. Both CRR and SLR are calculated as percentages of NDTL.

RBI requires banks to maintain CRR on a fortnightly average basis. The average reserves over the 14-day reporting fortnight must be 100% of the requirement, though daily maintenance can be as low as 90%.

Penal interest applies: Bank Rate + 3% for the first day, escalating to Bank Rate + 5% for subsequent days in the fortnight.

SLR shortfalls typically attract a penal interest of Bank Rate + 3% (currently around 5.50% + 3%). Unlike CRR, there is no escalation for subsequent days, but repeated failures can lead to regulatory action.

No interest is earned on CRR balances held with RBI. However, banks can earn returns on SLR-eligible assets like government securities (e.g., interest from G-Secs).

Higher CRR/SLR reduces the funds available for lending (lendable resources = NDTL - required CRR - required SLR). A CRR cut increases liquidity, potentially lowering loan rates.

Reducing CRR injects liquidity into the system, encouraging banks to lend more, which can boost economic growth but may also increase inflation if not managed carefully.