RBI Safest Bank List 2025: Which Are The 3 Domestic Systemically Important Banks In India? Check Here

List of Safest Banks In India: The Reserve Bank of India (RBI) has once again designated State Bank of India (SBI), HDFC Bank, and ICICI Bank as Domestic Systemically Important Banks (D-SIBs).

These three banks were also included in last year's (2024) list and have been placed in the same bucket structure this time around. Their size and role in the economy are so significant that a bankruptcy could seriously impact the entire financial system. Therefore, governments and regulators exercise extra caution to ensure their stability, Jagran Business reported.

"State Bank of India, HDFC Bank and ICICI Bank have been identified as Domestic Systemically Important Banks (D-SIBs) in the same bucket structure as the 2024 list. These D-SIB banks will be subject to an additional Common Equity Tier-1 (CET1) requirement, which will be in addition to the capital conservation buffer," the RBI said in a statement on Tuesday.

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Additional CET1 Capital Requirement By Bucket

The RBI has placed these banks in different buckets based on their size and risk profile. For example, State Bank of India (SBI) has been placed in Bucket 4 with an additional 0.80 per cent CET1 capital. HDFC Bank has been placed in Bucket 2 with an additional 0.40 per cent CET1 capital. ICICI Bank has been placed in Bucket 1 with an additional 0.20 per cent CET1 capital. These additional capital requirements will be effective from April 1, 2027.

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What Is The D-SIB Framework?

In an effort to strengthen global financial stability, the RBI introduced the concept of D-SIBs in 2014 and began recognizing them in 2015. SBI was the first to be included in this list in 2015. ICICI Bank was added in 2016 and HDFC Bank in 2017.

These banks are subject to strict regulatory oversight and are required to maintain high capital to withstand economic shocks and prevent a major crisis. In the event of a crisis, the government can also intervene to rescue these banks.

This move by the RBI is a significant step toward further strengthening the country's financial system. These three banks account for approximately 40-45% of the country's total banking assets, making their stability crucial for the entire banking sector and the economy.