PCA refers to the central bank's watchlist of weak banks. The regulator imposes business restrictions on such banks that include lending curbs. So, when does a bank fall into this list? RBI has specified certain regulatory trigger points, as a part of PCA framework in terms of three parameters—capital to risk weighted assets ratio, net non-performing assets and Return on Assets. These parameters are the triggers for pushing for the inclusion of lenders into PCA. It is mainly applicable only to commercial banks and not extended to co-operative banks, non-banking financial companies.