As per the Reserve Bank of India's (RBI) four-tiered regulatory framework for Urban Cooperative Banks (UCBs), what are the minimum Capital Adequacy Ratio (CAR) requirements for Tier-1 UCBs and Tier 2-4 UCBs, respectively?

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**Solution:**

1. The Reserve Bank of India (RBI) has implemented a four-tier regulatory framework for Urban Cooperative Banks (UCBs) to strengthen their financial health.

2. Under this framework, the minimum Capital Adequacy Ratio (CAR) requirements differ based on the tier classification of the UCBs:
   - **Tier-1 UCBs** are required to maintain a minimum CAR of **9\%**.
   - **Tier 2-4 UCBs** are required to maintain a higher minimum CAR of **12\%**.

3. This differentiation ensures that smaller or less complex UCBs maintain higher capital buffers to safeguard against risks.

**Answer:** 9\% for Tier-1 and 12\% for Tier 2-4

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