Regulating Commercial Banking

RBI/2025-26/100 DOR.RRC.REC.302/33-01-010/2025-26 November 28, 2025 Consolidation of Regulations – Withdrawal of circulars Please refer to the press release issued on November 28, 2025 announcing the release of 244 Master Directions consolidating the instructions currently administered by the Department of Regulation (DoR) of the Reserve Bank of India.

RBI/2025-26/97 DOR. AML.REC. 61 /14.06.001/2025-26 November 14, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Delisting of 02 Entries Please refer to paragraph 51 of the RBI Master Direction on Know Your Customer dated February 25, 2016 as amended on August 14, 2025 (MD on KYC), in terms of which “Regulated Entities (REs) shall ensure that in terms of Section 51A of the Unlawful Activities (Prevention) (UAPA) Act, 1967 and amendments thereto, they do not have any account in the name of individuals/entities appearing in the lists of individuals and entities, suspected of having terrorist links, which are approved by and periodically circulated by the United Nations Security Council (UNSC).”

RBI/2025-26/96 DOR.STR.REC.60/21.04.048/2025-26 November 14, 2025 Reserve Bank of India (Trade Relief Measures) Directions, 2025 Chapter I: Preliminary Preamble 1. Reserve Bank is statutorily mandated to operate the credit system of the country to its advantage. In this endeavour, and with a view to mitigating the burden of debt servicing brought about by trade disruptions caused by global headwinds and to ensure the continuity of viable businesses, Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, issues these Directions hereinafter specified.

RBI/2025-26/94 DOR. AML.REC. 58 /14.06.001/2025-26 October 24, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments to 01 Entry

RBI/2025-26/93 DOR. AML.REC. 57/14.06.001/2025-26 October 23, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments to 01 Entry

RBI/2025-26/92 DOR.AML.REC.56/14.06.001/2025-26 October 09, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendment of 02 Entries

RBI/2025-26/76 DOR.AML.REC.48/14.06.001/2025-26 August 25, 2025 The Chairpersons/CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments to 05 Entries Please refer to paragraph 51 of the RBI Master Direction on Know Your Customer dated February 25, 2016 as amended on August 14, 2025 (MD on KYC), in terms of which “Regulated Entities (REs) shall ensure that in terms of Section 51A of the Unlawful Activities (Prevention) (UAPA) Act, 1967 and amendments thereto, they do not have any account in the name of individuals / entities appearing in the lists of individual

RBI/2025-26/75 DOR.AML.REC.46 /14.01.001/2025-26 August 14, 2025 Reserve Bank of India (Know Your Customer (KYC)) (2nd Amendment) Directions, 2025 Reserve Bank had issued Reserve Bank of India (Know Your Customer (KYC)) Directions, 2016 (hereinafter referred to as Master Direction) in compliance of the provisions of the PML Act, 2002 and the Rules made thereunder. There is a need to further amend the same based on a review of the extant instructions.

RBI/2025-26/67 DoR.RET.REC.40/12.07.160/2025-26 July 17, 2025 All Banks, Madam / Sir, Inclusion of “NSDL Payments Bank Limited” in the Second Schedule of the Reserve Bank of India Act, 1934

RBI/2025-26/61 DOR.LIC.REC.36/16.13.218/2025-26 June 20, 2025 All Small Finance Banks Madam/ Dear Sir, Review of Priority Sector Lending norms - Small Finance Banks Please refer to the ‘Guidelines for Licensing of Small Finance Banks in Private Sector’ dated November 27, 2014 and the ‘Guidelines for ‘on-tap’ Licensing of Small Finance Banks in Private Sector’ released by Reserve Bank on December 5, 2019. In terms of paragraph II (9) of the aforesaid Licensing Guidelines, a small finance bank (SFB) is required to extend 75 per cent of its Adjusted Net Bank Credit (ANBC) to the sectors eligible for classification as priority sector lending (PSL) by the Reserve Bank. Further, while 40 per cent of its ANBC should be allocated to different sub-sectors under PSL as per the extant PSL prescriptions, the bank can allocate the balance 35 per cent to any one or more sub-sectors under the PSL where it has competitive advantage.

RBI/2025-26/60 DOR. AML.REC. 35 /14.06.001/2025-26 June 19, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Addition of 01 Entry

RBI/2025-26/58 DOR.AML.REC.33/14.06.001/2025-26 June 16, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Removal of 01 Entry

RBI/2025-26/ DoR.RET.REC.22 /12.01.001/2025-26 June 06, 2025 All banks, Madam / Sir, Penal Interest on shortfall in CRR and SLR requirements - Change in Bank Rate Please refer to Chapter VIII of Master Direction - Reserve Bank of India [Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)] Directions – 2021 as well as our circular DoR.RET.REC.16/12.01.001/2025-26 dated April 09, 2025 on the captioned subject.

RBI/2025-26/41 DoR.RET.REC.21/12.07.160/2025-26 May 27, 2025 All Banks, Madam / Sir, Inclusion of “The Vishweshwar Sahakari Bank Ltd., Pune” in the Second Schedule of the Reserve Bank of India Act, 1934 It is advised that “The Vishweshwar Sahakari Bank Ltd., Pune” has been included in the Second Schedule of the Reserve Bank of India Act, 1934 vide Notification DoR.REG./LIC.No.S75/08.27.300/2025-26 dated April 07, 2025 and published in the Gazette of India (Part III - Section 4) dated May 09, 2025. Yours faithfully, (Manoranjan Padhy) Chief General Manager

RBI/2025-26/34 DIT.CO.No.S-106/07.71.039/2025-26 April 28, 2025 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Cooperative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) All Primary Dealers All Non-bank Payment System Operators (PSOs) All Credit Information Companies (CICs) Madam / Dear Sir, Processing of Regulatory Authorisations/ Licenses/ Approvals through PRAVAAH

RBI/2025-26/28 CO.DIT.DCD.No.S81/01-71-110/2025-26 April 22, 2025 All Commercial Banks All Primary (Urban) Co-operative Banks All State Co-operative Banks and District Central Co-operative Banks Dear Sir/Madam, Circular - Migration to '.bank.in' domain

RBI/2025-26/21 DOR.CO.SOG(Leg) No.15/09.08.024/2025-26 April 8, 2025 All Scheduled Commercial Banks All Co-operative Banks Madam / Dear Sir Review of Regulatory Guidelines– Withdrawal of Circulars

RBI/2025-26/16 DOR.CRE.REC. No.12/08.12.001/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular -– Housing Finance Please refer to the Master Circular DOR.CRE.REC.No.07/08.12.001/2024-25 dated April 02, 2024 consolidating the instructions / guidelines issued to banks till April 01, 2024 relating to Housing Finance. Attached is the revised Master C

RBI/2025-26/10 DOR.MRG.No.4/21.04.141/2025-26 April 1, 2025 Madam / Sir, Reserve Bank of India (Classification, Valuation and Operation of the Investment Portfolio of Commercial Banks) Directions, 2023