The Reserve Bank of India (RBI) on Thursday deferred the implementation of the last tranche of Capital Conservation Buffer (CCB) of 0.625% by a year from March 31, 2019 to March 31, 2020. The move will leave the banks richer by about an estimated Rs 37,000 crore capital. This would help banks increase lending by over Rs 3.5 lakh crore by leveraging ten times of the capital. Accordingly, minimum capital conservation ratio of 2.5% would be applicable from on March 31, 2020. The RBI Board, however, decided to retain the capital adequacy ratio or CRAR at 9%.