Regulating Co-operative Banking

DRAFT Reserve Bank of India (Rural Co-operative Banks - Governance) Amendment Directions, 2026 Please refer to Reserve Bank of India (Rural Co-operative Banks - Governance) Directions, 2025 (DOR.GOV.REC.No.217/18-10-015/2025-26) dated November 28, 2025. Chapter-II of these directions have provisions regarding the Constitution of Board.

Please refer to Reserve Bank of India (Urban Co-operative Banks - Governance) Directions, 2025 (DOR.GOV.REC.No.192/18-10-014/2025-26) dated November 28, 2025. Chapter-II of these directions have provisions regarding the Constitution of Board and Appointment of Directors

DRAFT FOR COMMENTS RBI/2025-26/-- DOR.ACC.REC.No./21.02.067/2025-26 xx, 2026 Reserve Bank of India (Regional Rural Banks – Prudential Norms on Declaration of Dividend) Directions, 2026 Table of Contents

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Rural Co-operative Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Urban Co-operative Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Local Area Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Regional Rural Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/xxx DOR.MCS.REC /01.01.003/2025-26 DD-MM-YY Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 – Draft for Comments I. Introduction The Basic Savings Bank Deposit (BSBD) Account is a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. The ongoing digitalisation of the banking sector requires a BSBD account that is in sync with the customer’s evolving requirements. Accordingly, to provide affordable banking facilities to public and in the interest of better customer service and to drive enhanced usage of BSBD accounts, it has been decided to review the extant instructions and issue directions as below for BSBD accounts.

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Payments Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Current Accounts 3 F. Exemptions 4 G. Compliance Monitoring 4 H. Other Restrictions 5

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Rural Co-operative Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Transaction Accounts 3 F. Exemptions 4 G. Compliance Monitoring 5 H. Other Restrictions 6