MUMBAI, April 28 -- A day after the Reserve Bank of India (RBI) directed banks to transition to the expected credit loss (ECL) framework for recognizing stressed loans, Bandhan Bank on Tuesday said it estimates a one-time provisioning impact of about Rs.1,250 crore from the shift.

The central bank on Monday said lenders must adopt the ECL framework from 1 April 2027, while providing a glidepath to implement the framework in full by 31 March 2031.

"We assess a transition impact of roughly Rs.1,250 crore of incremental provisions that will come through at the time of transition," chief financial officer Rajiv Mantri said in the bank's Q4 earnings call, adding that the annual impact would be Rs.250-300 crore, depending on whether the bank ...