RBI/DOR/2025-26/251 DOR.CAP.REC.170/21-01-002/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks - Prudential Norms on Capital Adequacy) Directions, 2025

RBI/DOR/2025-26/252 DOR.SOG(SPE).REC.171/13.03.00/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Interest Rate on Deposits) Directions, 2025

RBI/DOR/2025-26/253 DOR.CRE.REC.No. /07-01-004/2025-26 XX, 2025 Reserve Bank of India (Regional Rural Banks – Credit Facilities) Directions, 2025 Table of Contents Introduction 3 Chapter I - Preliminary 4 A. Short Title and Commencement 4 B. Applicability 4 C. Definitions 4 Chapter II - Board Approved Policies 7 Chapter III - Digital Lending 8 A. General Requirements for bank-LSP Arrangements 8 B. Conduct and Customer Protection Requirements 9 C. Technology and Data Requirement 13 D. Reporting of Credit Information and DLAs 14 E. Loss sharing arrangement in case of default 16 F. General Provisions 21 Chapter IV - Lending against Gold and Silver Collateral 22 A. General Provisions 22 B. Restrictions and Ceilings 23 C. Valuation and Assaying of Gold and Silver collateral 24 D. Loan to Value Ratio (LTV) 25 E. Other Provisions 25 Chapter V - Microfinance Loan 27 A. Definition 27 B. Assessment of Household Income 27 C. Limit on Loan Repayment Obligations of a Household 29 D. Other provisions 30 Chapter VI - Non Fund Based (NFB) Credit Facilities 31 A. General Conditions 31 B. Guarantees 32 C. Co-acceptances 35 D. Requirements for Other Specific Guarantees 36 E. Exclusions and Other Aspects 36 Chapter VII - Housing Loan 38 A. Housing Loan to individuals - Quantum, LTV ratio and Risk weight 38 B. Housing Sector: Innovative Housing Loan Products - Upfront Disbursal of Housing Loans 38 C. Construction of Building / Ready-Built House 39 Chapter VIII - Other Instructions on Credit Facilities 41 A. Advances against the Security of National Savings Certificate (NSC) 41 B. Grant of loans for acquisition of small savings instruments/schemes 41 C. Credit Extended to Diamond Exporters 41 Chapter IX - Repeal and other provisions 42 A. Repeal and saving 42 B. Application of other laws not barred 42 C. Interpretations 42 Annex - I 44 Annex -II 45 Annex- III 47   Introduction Reserve Bank of India is statutorily mandated to operate the credit system of the country to its advantage. In pursuit of this mandate, the Reserve Bank encourages innovation in the financial systems, credit products and delivery mechanisms while ensuring orderly growth, financial stability and the protection of depositors’ and borrowers’ interest. With the progressive deregulation of bank credit, prudential norms primarily serve as regulatory safeguards. These norms, issued from time to time, provide guidance to regulated entities on the design and delivery of credit-related products and services. These Directions consolidate the instructions issued to Regional Rural Banks on credit facilities. Accordingly, in exercise of powers conferred by Section 21 and 35A of the Banking Regulation Act, 1949, the Reserve Bank of India being satisfied that it is necessary and expedient in the public interest so to do, hereby issues these Directions hereinafter specified. Chapter I - Preliminary A. Short Title and Commencement 1. These Directions shall be called the Reserve Bank of India (Regional Rural Banks – Credit Facilities) Directions, 2025. 2. These Directions shall come into effect immediately upon its issuance, unless indicated otherwise.

RBI/DOR/2025-26/254 DOR.AUT.REC.No.173/24-01-041/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025 Table of Contents Chapter I – Preliminary 2 Chapter II – Conduct of Credit Card Business 6 Chapter III – Issue of Debit Card by Banks 21 Chapter IV – Form Factor 22 Chapter V – Co-branding Arrangement 23 Chapter VI – General Guidelines for Credit and Debit Cards 25 Chapter VII – Miscellaneous 31 Chapter VIII – Repeal and Other Provisions 34 In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, and all other provisions / laws enabling the Reserve Bank of India (‘RBI’) in this regard, RBI being satisfied that it is necessary and expedient in the public interest so to do, hereby, issues the Directions hereinafter specified. Chapter I – Preliminary A. Short Title and Commencement 1. These Directions shall be called the Reserve Bank of India (Regional Rural Banks - Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025. 2. These Directions shall come into force with immediate effect. B. Applicability 3. These Directions shall be applicable to Regional Rural Banks (hereinafter collectively referred to as 'banks' and individually as a 'bank'). 4. These directions cover the general and conduct regulations relating to credit, debit and co-branded cards which shall be read along with prudential, payment and technology & cyber security related directions applicable to credit, debit and co-branded cards, as issued by the Reserve Bank.

RBI/DOR/2025-26/255 DOR.FIN.REC.No.174/20.16.056/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Credit Information Reporting) Directions, 2025

RBI/DOR/2025-26/256 DOR.CRE.REC.175/07-02-004/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Credit Risk Management) Directions, 2025

RBI/DOR/2025-26/257 DOR.CRE.REC.176/07-03-004/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks - Concentration Risk Management) Directions, 2025

RBI/DOR/2025-26/258 DOR.STR.REC.177/21.04.048/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks - Transfer and Distribution of Credit Risk) Directions, 2025

RBI/DOR/2025-26/259 DOR.CRE.REC.178./13.03.000/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks - Interest Rates on Advances) Directions, 2025

RBI/2025-26/260 DOR.MRG.REC.No.179/ 00-00-001/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Classification, Valuation, and Operation of Investment Portfolio) Directions, 2025 Table of Contents Chapter I: Preliminary 3 A. Short Title and Commencement 3 B. Applicability 3 C. Definitions 3 Chapter II: Role of the Board 5 Chapter III: General Guidelines 6 A. Investment Policy 6 B. General Instructions 7 C. Role of Sponsor Bank 7 Chapter IV: Classification of Investments 9 A. Categorisation of Investments 9 Held to Maturity (HTM) 9 B. Held for Trading (HFT) and Available for Sale (AFS) 10 C. Shifting Among Categories 10 D.1 Shift to / from HTM 10 D.2 Shift from AFS to HFT or Vice Versa 11 Chapter V: Valuation of Investments 12 A. Held to Maturity (HTM) 12 B. Held for trading (HFT) and Available for Sale (AFS) 12 Chapter VI: Market Value 13 A. Quoted Securities 13 B. Unquoted SLR Securities 13 C. Unquoted non-SLR Securities 13 Chapter VII: Investments in Government Securities 17 A. General Instructions 17 B. Access of NDS-OM 17 C. Subsidiary General Ledger (SGL) Account 17 D. Gilt Account 17 E. Settlement of transactions in Government Securities 18 F. Investment in Government Security through primary auction 18 G. Repo / Reverse Repo in Government Securities 19 Chapter VIII: Investments in Non-SLR Securities 20 A. General Instructions 20 B. Prudential Limit 21 C. Repo in Corporate bonds 21 D. Transactions in Commercial Paper (CP) and Certificates of Deposits (CDs) 22 E. Trading and Settlement in Corporate Bonds 22 F. Disclosures 22 G. Role of Boards 22 Chapter IX: Prudential Systems / Controls 24 A. Internal Control System 24 B. Engagement of Brokers 25 B.1 Empanelment of Brokers 25 B.2 Prudential Limits for Brokers 26 Chapter X: Audit, Review and Reporting 27 A. Audit 27 B. Review / Reporting 28 Chapter XI: Accounting and Provisioning 29 A. Income Recognition 29 B. Investment Fluctuation Reserve (IFR) 29 C. Non-Performing Investments (NPI) 30 Chapter XII: Repeal and Other Provisions 32 A. Repeal and Saving 32 B. Application of other laws not barred 32 C. Interpretations 33 Annex I: Reconciliation Statement 34 In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, and all other provisions / laws enabling the Reserve Bank of India (‘RBI’) in this regard, the RBI being satisfied that it is necessary and expedient in the public interest so to do, hereby issues the Directions hereinafter specified. Chapter I: Preliminary A. Short Title and Commencement 1. These Directions shall be called the Reserve Bank of India (Regional Rural Banks – Classification, Valuation, and Operation of Investment Portfolio) Directions, 2025.