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RBI Announcements

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134585028

RBI invites public comments on the draft “Reserve Bank of India (Credit Information Reporting) (1st Amendment) Directions, 2025”

Public consultation no. C2R/2025-26/17

The Master Direction – Reserve Bank of India (Credit Information Reporting) Directions, 2025 outlines the framework for submission of credit information by credit institutions (CIs) to credit information companies (CICs), at fortnightly or shorter intervals. On a review, it is proposed to amend the extant instructions and transition to weekly incremental credit information submission by CIs to CICs along with measures to facilitate faster data submission and error rectification. Further, to facilitate aggregation of credit information by CICs, it is proposed to capture Central Know Your Customer (CKYC) number in a separate field in the reporting format of consumer segment. Accordingly, the Reserve Bank has released today, the draft Directions for public consultation.

Last date for submission of comments is October 20, 2025.

134580395

RBI invites public comments on the draft circulars on: (i) Large Exposures Framework (Amendment Circular), 2025; and (ii) Guidelines on Management of Intragroup Transactions and Exposures (Amendment Circular), 2025

Public consultation no. C2R/2025-26/16

Circulars on Large Exposures Framework (LEF) dated June 3, 2019, Large Exposures Framework – Credit Risk Mitigation (CRM) for offsetting – non-centrally cleared derivative transactions of foreign bank branches in India with their Head Office (LEF-CRM) dated September 9, 2021, and Guidelines on Management of Intra-Group Transactions and Exposures (ITE) dated February 11, 2014 prescribe prudential norms on a bank’s exposures to its counterparties as also those to its group entities. 

The two Amendment Circulars amend the extant norms to clarify certain aspects on prudential treatment of exposures of foreign bank operating as branches in India and aligning some of the prudential norms under LEF and ITE. The key changes include the following:

  1. Exposure of Indian branches of foreign banks to their HO, and  branches/subsidiaries of the HO, shall be reckoned only for LEF, and not ITE. Such exposures, where cleared through a central counterparty, shall be considered on a gross basis.
  2. Funds received from the HO, and kept by the Indian branch of a foreign bank under a special arrangement with RBI as cash/unencumbered approved securities, are treated as CRM for offsetting non-centrally cleared derivative transactions of such branches with their HO. It is proposed to extend the CRM benefit to any exposure of a foreign bank branch to its HO.  
  3. Computation of exposure under ITE is proposed to be made consistent with those under LEF i.e., the benefit of credit conversion factor for deciding credit equivalence of off-balance sheet exposures, and credit risk mitigation technique for offsetting exposures to a counterparty, shall henceforth be permitted for ITE exposures.
  4. The ITE threshold, which is currently linked to Paid-up Capital and Reserves, is proposed to be linked to Tier-1 capital of banks.

The draft circulars on: (i) Large Exposures Framework (Amendment Circular), 2025; and (ii) Guidelines on Management of Intragroup Transactions and Exposures (Amendment Circular), 2025 have been issued for public comments.

Additional comments or any attachments may also be submitted by email at cgmicdor@rbi.org.in

Last date for submission of comments is October 20, 2025.

Draft Circular - Large Exposures Framework (Amendment Circular), 2025
Draft Circular - Guidelines on Management of Intragroup Transactions and Exposures (Amendment Circular), 2025:

134579232

RBI invites public comments on the draft circular on ‘Reserve Bank of India (Gold Metal Loans) Directions, 2025’

Public consultation no. C2R/2025-26/15

The Gold Metal Loan (GML) scheme was introduced in 1998 to facilitate working capital finance to jewellery exporters in the form of raw gold imported by banks. The scheme has been liberalised over the years by, inter alia, allowing banks to extend GML to domestic jewellery manufacturers and also from the gold deposits mobilised under the Gold Monetization Scheme.

With a view to further liberalise the scheme, harmonize the extant regulations applicable across eligible borrower segments in jewellery industry and provide more operational freedom to banks to devise their GML policy, draft circular on Reserve Bank of India (Gold Metal Loans) Directions, 2025 has been issued for public comments.

Additional comments or any attachments may also be submitted by email at cgmicdor@rbi.org.in.

Last date for submission of comments is October 20, 2025.

131714776

RBI invites public comments on Reserve Bank of India (Non-Fund Based Credit Facilities) Directions, 2025

Public consultation no. C2R/2025-26/04

Non-fund based (NFB) facilities like Guarantees, Letters of Credit, Co-Acceptances etc. play a significant role in facilitating effective credit intermediation, besides enabling seamless business transactions, including trade transactions. It has now been decided to harmonize and consolidate guidelines covering these facilities across all REs. The revised guidelines include a review of instructions on issuance of partial credit enhancement by REs, with a view to, inter alia, broadening funding sources for infrastructure financing. Draft Directions in this regard have been issued for public comments.

Additional comments or any attachments may also be submitted by email at feedbackcrg@rbi.org.in

Last date for submission of comments is May 12, 2025.

133681628

RBI invites public comments on the draft circular on ‘Counterparty Credit Risk: Add-on factors for computation of Potential Future Exposure – Revised Instructions’

Public consultation no. C2R/2025-26/14

Extant instructions on capital adequacy for banks prescribe the Current Exposure Method (CEM) for computation of Counterparty Credit Risk (CCR). The Reserve Bank has reviewed these instructions to (i) clarify that banks acting as clearing members of SEBI recognised stock exchanges in the equity derivatives and commodity derivatives segments are required to maintain capital charge for CCR; and (ii) largely align the add-on factors for calculation of Potential Future Exposure (PFE) in the CEM for ‘Interest Rate Contracts’ and ‘Exchange Rate Contracts and Gold’ with the Basel Committee on Banking Supervision (BCBS) guidelines, reflecting the development and depth of the respective market segments since the guidelines were last revised in August 2008.

Accordingly, Draft Circular along with Draft Amendment Directions - Reserve Bank of India (Counterparty Credit Risk: Add-on factors for computation of Potential Future Exposure) (Amendment) Directions, 2025 have been issued for public comments.

Additional comments or any attachments may also be submitted by email at mrgdor@rbi.org.in

Last date for submission of comments is September 10, 2025.

Draft Circular along with Draft Amendment Directions:

133597272

Guarantee regulations under Foreign Exchange Management Act (FEMA), 1999 – Draft for feedback

Public consultation no. C2R/2025-26/13

Reserve Bank of India has been reviewing and rationalising the regulations issued under FEMA, 1999 with an intent to promote ease of doing business. On a review, it has been decided to rationalise regulations pertaining to guarantees issued under FEMA, 1999. Salient features of proposed regulations are as under:

  1. The regulations are principle based and in general guarantees involving cross border transactions will be under automatic route provided that underlying transaction, and the transactions resulting from invocation of guarantee are not in contravention of FEMA, 1999;

  2. The universe of guarantees enabled under automatic route is being expanded, and therefore a comprehensive reporting of all guarantees, issued and invoked, is proposed to be introduced.

The draft regulations under FEMA are available for public response.

Comments/feedback on the draft regulations may be submitted through the link given below. Alternatively, it may also be forwarded via email to guaranteefeedback@rbi.org.in by September 04, 2025, with the subject line “Feedback on draft guarantee regulations under FEMA, 1999”.

133455014

RBI invites comments on the draft circular on ‘Reserve Bank of India (Settlement of Claims in respect of Deceased Customers of Banks) Directions, 2025’

Public consultation no. C2R/2025-26/12

Under the provisions of Banking Regulation Act, 1949, nomination facility is available in respect of deposit accounts, articles kept in safe custody or safe deposit lockers. This is intended to facilitate expeditious settlement of claims or return of articles or release of contents of safe deposit locker upon death of a customer and to minimise hardship caused to family members. The extant instructions require banks to adopt a simplified procedure to facilitate expeditious and hassle-free settlement of claims made by survivors/ nominees/ legal heirs in case of deposit accounts up to a threshold limit, however, the procedures vary across banks. With a view to enhance customer service standards, it has been decided to streamline the procedures and standardise the documentation to be submitted to the banks. Accordingly, Reserve Bank has released today the draft circular in this regard for public consultation.

Additional comments or any attachments may also be submitted by email at mcsdorfeedback@rbi.org.in.

Last date for submission of comments is August 27, 2025.

133245938

RBI invites public comments on Master Direction - Business Authorization for Co-operative Banks (Directions), 2025

Public consultation no. C2R/2025-26/11

The Reserve Bank of India has, from time to time, issued several instructions/ guidelines to co-operative banks, i.e., Primary (Urban) Co-operative Banks (UCBs), State Co-operative banks (StCBs) and District Central Co-operative banks (DCCBs), related to permission for place of business, change of name and scheduling, etc.

2. On a detailed review of the above guidelines/ instructions, it has been decided to issue a Master Direction containing consolidated and harmonized instructions applicable to all co-operative banks. The draft Master Direction in this regard is being issued today for stakeholder feedback.

Additional comments or any attachments may also be submitted by email at rlscooprrbdor@rbi.org.in.

Last date for submission of comments is August 25, 2025.

131714457

RBI invites public comments on Reserve Bank of India (Securitisation of Stressed Assets) Directions, 2025

Public consultation no. C2R/2025-26/01

A prudentially structured securitisation transaction can be an enabler for resolution of stressed assets as it is expected to improve risk distribution and provide an exit route from such exposures for lenders. With this objective, RBI had released a discussion paper on Securitisation of Stressed Assets Framework in January 2023, to seek comments from market participants on various aspects of the framework. After factoring in the suggestions received from the stakeholders on the discussion paper, the draft Directions for securitisation of stressed assets have been issued for public comments. The framework intends to enable securitisation of stressed assets through a market-based mechanism, in addition to the existing ARC route under SARFAESI Act, 2002.

Additional comments or any attachments may also be submitted by email at feedbackcrg@rbi.org.in

Last date for submission of comments is May 12, 2025.

132240542

RBI invites public comments on the draft circular on ‘Updation/ Periodic Updation of KYC– Revised Instructions’

Public consultation no. C2R/2025-26/07

Please refer to instructions on Updation/ Periodic Updation of KYC as contained in paragraph 38 of Master Direction - Know Your Customer (KYC) Direction, 2016 dated February 25, 2016 (as amended from time to time). Reserve Bank has released today the draft circular on Updation/ Periodic Updation of KYC – Revised Instructions which encloses the draft Reserve Bank of India (Know Your Customer (KYC)) (Amendment) Directions, 2025 modifying the aforementioned instructions.

Additional comments or any attachments may also be submitted by email at amldorfeedback1@rbi.org.in.

Last date for submission of comments is June 6, 2025.

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