State Bank of India (SBI) has reported that the banking industry will need an additional capital infusion of INR 84,000 crore following the Reserve Bank of India’s (RBI) decision to increase risk weights on consumer loans, credit card exposures, and loans to scheduled commercial banks (SCBs) and non-banking financial companies (NBFCs) by 25%. The impact is specific to consumer loans, excluding housing loans, education loans, vehicle loans, and loans secured by gold and gold jewellery. Higher risk weight on credit cards and personal loans may lead to increased interest rates, impacting credit availability and terms for borrowers.