RBI/DOR/2025-26/134 DOR.SOG(SPE).REC. 8/13.03.00/2025-26 April 01, 2025 All banks authorised to operate in India Madam/ Sir, Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2025

RBI/DoR/2024-25/125 DoR.FIN.REC.No. 55/20.16.056/2024-25 January 06, 2025 All Commercial Banks including Small Finance Banks, Local Area Banks and Regional Rural Banks and excluding Payment Banks All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks All India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID) All Non-Banking Financial Companies including Housing Finance Companies All Asset Reconstruction Companies All Credit Information Companies Dear Sir/ Madam, Master Direction – Reserve Bank of India (Credit Information Reporting) Directions, 2025

RBI/DoR/2024-25/122 DoR.FIN.REC.No.31/20.16.003/2024-25 July 30, 2024 All Commercial Banks including Small Finance Banks, Local Area Banks and Regional Rural Banks and excluding Payments Banks All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks All India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID) All Non-Banking Financial Companies including Housing Finance Companies All Asset Reconstruction Companies All Credit Information Companies Dear Sir/ Madam, Master Direction on Treatment of Wilful Defaulters and Large Defaulters This Master Direction on wilful defaulters serves as a comprehensive guideline delineating the regulatory framework and procedures for classification of borrowers as wilful defaulters. This directive plays a crucial role in maintaining the integrity of the financial system by outlining the measures and consequences for those borrowers who deliberately default on their financial obligations.

RBI/2024-25/118 DOS. CO. FMG. SEC. No.5 /23.04.001/2024-25 July 15, 2024 The Chairman / Managing Director / Chief Executive Officer All Commercial Banks (including Regional Rural Banks) All India Financial Institutions (AIFIs)1 Madam / Dear Sir, Master Directions on Fraud Risk Management in Commercial Banks (including Regional Rural Banks) and All India Financial Institutions Please find enclosed as Annex ‘Reserve Bank of India (Fraud Risk Management in Commercial Banks (including Regional Rural Banks) and All India Financial Institutions) Directions, 2024’ issued in exercise of the powers conferred under Chapter III-A and Chapter III-B of the Reserve Bank of India Act, 1934, and Section 21 and Section 35A of the Banking Regulation Act, 1949. These Directions shall supersede the earlier Directions on the subject, namely, the Reserve Bank of India (Frauds - Classification and Reporting by commercial banks and select FIs) Directions 2016 (Ref.DBS.CO.CFMC.BC.No.1/23.04.001/2016-17) dated July 01, 2016 (Updated as on July 03, 2017). Yours faithfully (Rajnish Kumar) Chief General Manager Encl.: as above

All Commercial Banks excluding Regional Rural Banks All Primary (Urban) Cooperative Banks  Select All India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NABFID) All Non-Banking Financial Companies (excluding Housing Finance Companies) and All Asset Reconstruction Companies
 

RBI/2023-24/107

DoS.CO.CSITEG/SEC.7/31.01.015/2023-24                                    November 7, 2023

The Chairman/Managing Director/Chief Executive Officer

Scheduled Commercial Banks (excluding Regional Rural Banks);

Small Finance Banks; Payments Banks;

Non-Banking Financial Companies;

Credit Information Companies; and

All India Financial Institutions (EXIM Bank, NABARD, NaBFID, NHB and SIDBI)

Madam/Dear Sir,

RBI/DOR/2023-24/104 DOR.MRG.36/21.04.141/2023-24 September 12, 2023 (Updated as on April 01, 2025) All Commercial Banks (excluding Regional Rural Banks) Dear Sir / Madam, Master Direction - Classification, Valuation and Operation of Investment Portfolio of Commercial Banks (Directions), 2023 The extant regulatory instructions on classification and valuation of investment portfolio by commercial banks, as contained in the Reserve Bank of India (Classification, Valuation and Operation of Investment Portfolio of Commercial Banks) Directions, 2021, are largely based on a framework introduced in October 2000 drawing upon the then prevailing global standards and best practices.

RBI/DOR/2023-24/103 DOR.ORG.REC.22/21.06.050/2023-24 June 26, 2023 Reserve Bank of India – Master Direction on Minimum Capital Requirements for Operational Risk In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, the Reserve Bank of India being satisfied that it is necessary and expedient in the public interest to do so, hereby issues the Directions hereinafter specified. These Directions require a specified Commercial Bank (covered

RBI/2022-23/92 DoR.AUT.REC.No.27/24.01.041/2022-23 April 21, 2022 Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 In exercise of the powers conferred by Sections 35A and Section 56 of the Banking Regula

RBI/DOR/2021-22/89 DoR.FIN.REC.95/03.10.038/2021-22 March 14, 2022 (Updated as on October 10, 2024) (Updated as on July 25, 2022) All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) excluding Payments Banks All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ District Central Co-operative Banks All Non-Banking Financial Companies (including Microfinance Institutions and Housing Finance Companies) Madam/ Dear Sir, Master Direction – Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022 Please refer to paragraph 8 of the Statement on Developmental and Regulatory Policies announced as a part of the Bi-monthly Monetary Policy Statement for 2020-21 dated February 5, 2021, regarding review of the regulatory framework for microfinance.

RBI/DOR/2021-22/87 DOR.CAP.REC.No.61/21.01.002/2021-22 October 26, 2021 (Updated as on March 31, 2022) All Local Area Banks Dear Sir / Madam, Master Direction – Prudential Norms on Capital Adequacy for Local Area Banks (Directions), 2021 Th

RBI/DOR/2021-22/85 DOR.STR.REC.53/21.04.177/2021-22 September 24, 2021 (Updated as on December 05, 2022) All Scheduled Commercial Banks (including Small Finance Banks but excluding Regional Rural Banks); All All-India Term Financial Institu

RBI/DOR/2021-22/83 DOR.ACC.REC.No.45/21.04.018/2021-22 August 30, 2021 (Updated as on February 20, 2023) (Updated as on December 13, 2022) (Updated as on October 11, 2022) (Updated as on May 19, 2022) (Updated as on November 15, 2021) All

RBI/DOR/2021-22/80              

DOR.No.RET.REC.32/12.01.001/2021-22                                    July 20, 2021

(Updated as on December 16 2024)

(Updated as on September 25, 2023)

                                                                             (Updated as on April 06, 2022)

                            Master Direction - Reserve Bank of India

[Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)] Directions - 2021

In exercise of the powers conferred by Section 35 A of the Banking Regulation Act, 1949 and pursuant to Section 42 of the Reserve Bank of India Act, 1934 and Sections 18, 24 and 56 of the Banking Regulation Act, 1949 as amended from time to time, the Reserve Bank of India being satisfied that it is necessary and expedient in the public interest so to do, hereby, issues the Directions hereinafter specified.

RBI/DBR/2015-16/18 Master Direction DBR.AML.BC.No.81/14.01.001/2015-16 February 25, 2016 (Updated as on November 06, 2024) (Updated as on January 04, 2024) (Updated as on October 17, 2023) (Updated as on May 04, 2023) (Updated as on April 28, 2023) (Updated as on May 10, 2021) (Updated as on April 01, 2021) (Updated as on March 23, 2021) (Updated as on December 18, 2020) (Updated as on April 20, 2020) (Updated as on April 01, 2020) (Updated as on January 09, 2020) (Updated as on August 09, 2019) (Updated as on May 29, 2019) Master Direction - Know Your Customer (KYC) Direction, 2016

RBI/DBR/2015-16/25 Master Direction/DBR.FSD.No.101/24.01.041/2015-16 May 26, 2016 (Updated as on August 10, 2021) (Updated as on September 25, 2017) Master Direction- Reserve Bank of India (Financial Services provided by Banks) Directions,

RBI/DBR/2015-16/19 Master Direction DBR.Dir.No.84/13.03.00/2015-16 March 03, 2016 (Updated as on June 07, 2024) (Updated as on October 26, 2023) (Updated as on September 16, 2022) (Updated as on November 11, 2021) (Updated as on July 02, 2021) (Updated as on February 22, 2019) Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2016 In exercise of the powers conferred by conferred by Sections 21 and 35 A 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 the Directions hereinafter specified.