The National Bank for Agriculture and Rural Development (NABARD) on October 09, 2026, notified regarding the Enhanced CAMELSC Supervisory Rating Model – Revised Guidance Note.
The following has been stated:
• It has issued revised Guidance Notes for the Enhanced CAMELSC (Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, Systems & Controls, and Compliance) Supervisory Rating Model applicable to State Cooperative Banks (StCBs) and District Central Cooperative Banks (DCCBs). The revision follows experience gained from implementing the framework and incorporates refinements introduced in NABARD's updated E-CAMELSC model, issued in June 2025.
• The revised guidance aims to make the supervisory rating framework more effective, transparent, and user-friendly by providing clearer explanations of key parameters and their significance from a risk management perspective. It is intended to help cooperative banks better understand the factors that influence supervisory ratings and to strengthen governance, risk management, internal controls, and regulatory compliance.
• NABARD has advised the Boards and senior management of cooperative banks to take necessary steps to improve systems, procedures, and data management capabilities to enhance compliance under the E-CAMELSC framework. As the model is highly data-driven and information-intensive, banks are expected to upgrade their internal monitoring and reporting systems to support accurate assessment and effective implementation of the supervisory rating mechanism.
This circular was published on June 03, 2026.
[Notification no. - 219/ DoS -18/ 2025]
