RBI/DoR/2025-26/146 DoR.HOL.REC.65/16-13-100/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks - Voluntary Amalgamation) Directions, 2025 Table of Contents Chapter I - Preliminary 2 A. Short Title and Commencement 2 B. Applicability 2 D. Scope 3 Chapter II – Approval by Board of Directors and Shareholders

RBI/DOR/2025-26/147 DOR.LIC.REC.No.66/22-01-001/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks - Branch Authorisation) Directions, 2025 Table of Contents Chapter I – Preliminary 3 A. Short Title and Commencement 3 B. Applicability 3 C. Definitions 3 Chapter – Role of Board of Directors 6 A. Board Approved Policy 6 B. Key responsibilities 6 Chapter III – Banking Outlet Authorisation 9 A. Domestic Commercial Banks 9 B. Foreign Banks (operating in branch mode) 16 C. Off-site / Mobile Automated Teller Machines (ATMs), Cash Deposit Machines (CDMs) / Bunch Note Acceptor Machines (BNAMs) 20 Chapter IV – Digital Banking Units (DBUs) 22 A. Opening of DBUs – General Permission 22 B. Infrastructure and Resources 22 C. Cyber Security 23 D. Products and Services 23 E. Digital Banking Customer Education 25 F. Digital Business Facilitator / Business Correspondent 25 G. Customer Grievance Redressal 25 Chapter V – Business Facilitator / Business Correspondent Model 26 A. Eligibility 26 B. Guidelines for engaging business facilitator 26 C. Guidelines for engaging Business Correspondents (BCs) 27 Chapter VI – Doorstep Banking 35 A. Eligibility and guidelines 35 B. Services to be offered 35 C. Modalities of Delivery 35 D. Delivery process 36 E. Risk Management 36 F. Transparency 36 G. Other conditions 37 H. Redressal of Grievances 37 Chapter VII – Information Reporting 38 A. Banking outlets / branches / offices / Customer Service Points (CSPs) etc. 38 B. Digital Banking Units (DBUs) 39 Chapter VIII – Repeal and Other Provisions 40 A. Repeal and saving 40 B. Application of other laws not barred 40 C. Interpretations 40 Annex I 42 Annex II 43 Annex III 47 Annex IV 54 Annex V 62

RBI/DOR/2025-26/380 DOR.RAUG.AUT.REC.303/24.01.041/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks – Digital Banking Channels Authorisation) Directions, 2025 Table of Contents Chapter I – Preliminary 2 Chapter II – Prudential Requirements 4 Chapter III – Guidelines on Technological Issues in Digital Banking 6 Chapter IV – General Guidelines 7 Chapter V – Exemptions, Repeal and Other Provisions 10

RBI/DOR/2025-26/148 DOR.AUT.REC.No.67/24-01-041/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) 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 7 A. Board Approved Policies 7 B. Key responsibilities 7 Chapter III – General Guidelines 9 A. Forms of Business 9 B. Prudential Regulation for Investments 10 C. Procedure for Application 14 D. Relationship with Subsidiaries 14 Chapter IV – Financial Services 16 A. Equipment Leasing and Hire Purchase Business 16 B. Factoring Services 16 C. Primary Dealership Business 17 D. Underwriting Activities 18 E. Mutual Fund Business 18 F. Insurance Business 18 G. Pension Fund Management 19 H. Investment Advisory Services 19 I. Portfolio Management Services 20 J. Agency Business 21 K. Referral Services 23 L. Retailing of Government Securities 23 M. Membership of SEBI approved Stock Exchanges 23 N. Broking services for Commodity Derivatives Segment 24 O. Participation of Indian Banks on India International Bullion Exchange IFSC Limited (IIBX) 25 P. Operations of subsidiaries and branches in foreign jurisdictions and in International Financial Services Centers (IFSCs) 28 Chapter V – Repeal and Other Provisions 30 A. Repeal and saving 30 B. Application of other laws not barred 30 C. Interpretations 30 Annex I 32 Annex II 33

RBI/DOR/2025-26/149 DOR.HGG.GOV. No.68/29.67.001/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks - Governance) Directions, 2025 Table of Contents Chapter-I Preliminary 3 A. Short title and commencement 3 B. Applicability 3 C. Definitions 4 Chapter-II Public Sector Banks 7 A. Role of the Board 7 B. Board Structure and Practices 7 C. Committees of the Board 9 D. Fit and Proper’ Criteria for Elected Directors 11 E. Appointment of Chief Risk Officer 16 F. Appointment of Chief Vigilance Officer 17 G. Appointment of Chief Financial Officer and Chief Technical Officer 17 H. Appointment of Company Secretary 18 I. Appointment of Nominee Directors on assisted companies 18 Chapter-III Private Sector Banks 21 A. Constitution of Board and Appointment of Directors 21 B. MD&CEO / CEO, Part-time Chairman and Whole-time Directors 24 C. Role of the Board and Individual Directors 25 D. Board Structure and Practices 30 E. Committees of the Board 30 F. Appointment of Chief Risk Officer 30 G. Appointment of Chief Financial Officer and Chief Technical Officer 30 H. Remuneration of NEDs, WTDs, MD&CEO / CEO, Material Risk Takers, and Control Function staff 30 I. Regulatory approvals and Reporting 39 Chapter-IV Foreign Banks 42 Chapter-V Repeal and other provisions 44 Annex I 46 Annex II 54 Annex III 60 Annex IV 62 Annex V 66 Annex VI 69

RBI/DOR/2025-26/151 DOR.CAP.REC.70/21-01-002/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks- Prudential Norms on Capital Adequacy) Directions, 2025 Table of Contents Chapter I Preliminary 4 A Short title and commencement 4 B Applicability 4 C Definitions. 4 Chapter II Board approved policies and scope of application 10 A Instructions regarding Board approved policies and documents to be reviewed by the Board 10 B Scope of application of capital adequacy framework 10

RBI/DoR/2025-26/152 DoR.CRE.REC.71/08.12.014/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks-Resource Raising Norms) Directions, 2025 Table of Contents Chapter I- Preliminary 2 A. Short Title and Commencement 2 B. Applicability 2 Chapter II- Issue of Long-Term Bonds for Financing Infrastructure Sub-Sectors 3 Chapter III- Repeal and Other Provisions 7 A. Repeal and Saving 7 B. Application of other laws not barred 7 C. Interpretations 7

RBI/DOR/2025-26/153 DOR.SOG(SPE).REC.72/13.03.00/ 2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Directions, 2025 Table of Contents Chapter I : Preliminary 3 A. Short Title and Commencement 3 B. Objective 3 C. Applicability 3 D. Definitions 3 Chapter II : General Guidelines (Interest Rate Framework) 6 Chapter III : Domestic Rupee Deposits 8 A. Interest Rate on Domestic Current Account 8 B. Interest Rate on Domestic Savings Deposit 8 C. Interest Rate on Domestic Term Deposits 8 D. Payment of Additional Interest on Domestic Deposits 9 E. Interest on Overdue Domestic Deposits 10 F. Floating Rate Domestic Term Deposits 11 G. Periodicity of Payment of Interest on Domestic Savings Deposit 11 H. Interest Payable on the Domestic Deposit Account of Deceased Depositor 11 I. Discretion to pay interest on the minimum credit balance in the composite cash credit account of a farmer 11 J. Penalty on Premature Withdrawal of Domestic Term Deposit 11 Chapter IV : Rupee Deposits of Non-Residents 13 A. Interest Rate on Rupee Deposits - Non-Residents 13 B. Prohibition on Marking Lien 14 C. Penalty on Premature Withdrawal of Non-Resident External (NRE) Deposits 14 D. Interest Payable on the Non-Resident External (NRE) Term Deposit Account of Deceased Depositor 14 Chapter V : Foreign Currency Deposits 15 A. Foreign Currency (Non-Resident) Accounts (Banks) Scheme 15 B. Manner of Calculation of Interest on Foreign Currency (Non-Resident) Accounts (Banks) {FCNR(B)} Deposits 16 C. Calculation of Interest on Renewal of Foreign Currency (Non-Resident) Accounts (Banks) {FCNR(B)} Deposits 16 D. Interest Payable on the Deposit of a Deceased Foreign Currency (Non-Resident) Accounts (Banks) {FCNR(B)} Depositor 17 E. Payment of Interest on Foreign Currency (Non-Resident) Accounts (Banks) {FCNR(B)} Deposits of Non-Resident Indians (NRIs) on Return to India 17 F. Conversion of Foreign Currency (Non-Resident) Accounts (Banks) {FCNR(B)} Accounts of Returning Indians into Resident Foreign Currency (RFC) Accounts / Resident Rupee Accounts - Payment of Interest 18 G. Premature Withdrawal of Foreign Currency Deposits 18 H. Penalty on Premature Withdrawal of Foreign Currency Deposits 18 I. Resident Foreign Currency Accounts Scheme 19 Chapter VI : Prohibitions and Exemptions 20 A. Prohibitions 20 B. Exemptions 21 SCHEDULE- I 22 Chapter VII : Repeal and Other Provisions 23 A. Repeal and saving 23 B. Application of other laws not barred 23 C. Interpretations 24

BI/DOR/2025-26/154 DOR.CRE.REC.73/07-01-001/2025-26 November 28, 2025 Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Table of Contents Chapter I - Preliminary 5 A. Short Title and Commencement 5 B. Applicability 5 C. Definitions 5 Chapter II - Role of The Board 12 Chapter III - Digital Lending Guidelines 13 A. General Requirements for bank-LSP Arrangements 13 B.

RBI/DOR/2025-26/155 DOR.AUT.REC.No.74/24-01-041/2025-26 November 28, 2025 Reserve Bank of India (Commercial 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