Connect 2 Regulate

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Interest Rate on Deposits) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Climate Finance and Management of Climate Change Risks) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Resource Raising Norms) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Governance) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Acquisition and Holding of Shares or Voting Rights) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Undertaking of Financial Services) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Small Finance Banks – Branch Authorisation) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Universal Banks – Licensing) Guidelines, 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Miscellaneous) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Forthcoming Instructions) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Voluntary Amalgamation) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Know Your Customer) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Credit Information Reporting) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Prudential Norms on Declaration of Dividends and Remittance of Profit) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Financial

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Managing Risks in Outsourcing) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Asset Liability Management) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Classification, Valuation and Operation of Investment Portfolio) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions 2025 has been issued for public comments

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Securitisation Transactions) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Transfer and Distribution of Credit Risk) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Concentration Risk Management) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Interest Rates on Advances) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Credit Facilities) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Credit Risk

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Acquisition and Holding of Shares or Voting Rights) Directions

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) Directions 2025 has been issued for public comm

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Universal Banks – Licensing) Guidelines, 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Universal Banks – Licensing) Guidelines, 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Universal Banks – Licensing) Guidelines, 2025 has been issued for public comments.

The list of regulatory instructions that could be withdrawn / repealed, once the consolidated Master Directions are finalised, has been issued for public comments. 
Additional comments or any attachments may also be submitted by email at feedbackconsoldor@rbi.org.in.

The proposed Directions seek to replace the incurred-loss-based provisioning framework with an ECL based provisioning, subject to prudential floors. These are  expected to further strengthen credit risk management practices, promote greater comparability across financial institutions, and align regulatory norms with internationally accepted regulatory and accounting standards.

The proposed Directions seek to replace the incurred-loss-based provisioning framework with an ECL based provisioning, subject to prudential floors. These are  expected to further strengthen credit risk management practices, promote greater comparability across financial institutions, and align regulatory norms with internationally accepted regulatory and accounting standards.

The proposed Directions seek to implement one of the key elements of the global reforms implemented by the Basel Committee on Banking Supervision (BCBS), suitably tailored to the Indian context. The Directions amend the existing standardised approach framework for calculating the capital charge for credit risk with the objective of enhancing its robustness, granularity, and risk sensitivity.

The Reserve Bank – Integrated Ombudsman Scheme (RB-IOS), 2021 launched on November 12, 2021, provides customers of Regulated Entities (REs) a speedy, cost-effective and expeditious alternate grievance redress mechanism. Based on the operational experience, stakeholder feedback, and global best practices, the Reserve Bank has undertaken a comprehensive review of the Scheme.

The Reserve Bank, vide Master Direction - Reserve Bank of India (Internal Ombudsman for Regulated Entities) Directions, 2023 dated December 29, 2023, has institutionalized the Internal Ombudsman mechanism in various regulated entities (REs) for independent review of customer complaints that are being rejected. A holistic review of the existing instructions has been undertaken to further strengthen the functioning of the Internal Ombudsman with a view to facilitating faster and meaningful resolution of customer grievances at the level of the REs.

Lending to counterparties who are related or connected to the lenders either through ownership stake in the lending entity or through their ability to control and influence the lending decisions entail conflict of interest or moral hazard issues for the lenders. The draft Directions being issued provide a harmonised, principle-based framework to be adopted by REs for managing such risks, suitably rationalising the existing provisions.

Lending to counterparties who are related or connected to the lender    either through ownership stake in the lender or through their ability to    control and influence the lending decisions may prove to be detrimental to    the interests of the and other stakeholders. Globally, there are regulations    on such related party lending and transactions which might create a conflict    of interest or moral hazard for the lenders.