Wholesale Borrowing Guidelines(WBG)

Wholesale Borrowing Guidelines limit is based on the match funding basis:

i) Current deposit and part of savings deposit is considered as investment to meet legal requirements of CRR & SLR.
ii) One year and above but less than 2 yrs term deposit may be used for midterm investment.
iii) 3 months 6 months but less than 1 year term deposit and part of savings deposit may be used to finance working capital & other demand loan.
iv) Next day, 2 to 7 days, 7 days to  1 month and 1 to 3 months term deposit may be used for demand loan and short term investment ie. Call money, Reverse REPO, 28 days, 91 days, 182 days Govt. Treasury Bills/Bonds and Govt. securities.
v) 2 yrs and above term deposits can be taken up to the amount of long term loan.