IST,
मास्टर निदेशों
भारतीय रिज़र्व बैंक ने जनवरी 2016 से सभी विनियामकीय मामलों पर मास्टर निदेश जारी करना शुरू किया है। मास्टर निदेशों में रिज़र्व बैंक बैंकिंग मुद्दों और विदेशी विनिमय लेनदेनों सहित विभिन्न अधिनियमों के अंतर्गत नियमों और विनियमों पर अनुदेश समेकित करता है।
मास्टर निदेश जारी करने की प्रक्रिया में प्रत्येक विषय के लिए एक मास्टर निदेश जारी करना शामिल है जिसमें उस विषय पर सभी अनुदेशों को कवर किया जाता है। वर्ष के दौरान नियमों, विनियमनों या नीति में किसी प्रकार के परिवर्तन की सूचना परिपत्रों/प्रेस प्रकाशनियों के माध्यम से दी जाती है। मास्टर निदेशों को उचित रूप से और नियमों/विनियमों में किसी प्रकार का बदलाव होने या नीति में किसी प्रकार का बदलाव होने के साथ ही अद्यतन किया जाएगा। सभी प्रकार के परिवर्तनों को भारतीय रिज़र्व बैंक की वेबसाइट पर उपलब्ध मास्टर निदेशों में दर्शाया जाएगा और इसके साथ परिवर्तन होने वाली तारीख भी दर्शाई जाएगी।
मास्टर निदेशों के जारी होने के बाद बारंबार पूछे जाने वाले प्रश्नों (एफएक्यू) के माध्यम से नियमों और विनियमों के स्पष्टीकरणों को समझने में आसान भाषा में जारी किया जाएगा जहां आवश्यक होगा। विभिन्न विषयों पर जारी मौजूदा मास्टर परिपत्र उस विषय पर मास्टर निदेश के जारी होने के साथ ही वापस लिए माने जाएंगे।
मास्टर निदेशों
पीडीएफ (RBI/2025-26/228 DOR.SOG(SPE).REC.147/13.03.00/ 2025-26 November 28, 2025 Reserve Bank of India (Local Area 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 Curency 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 23 In exercise of the powers conferred by Sections 21 and 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.
RBI/2025-26/228 DOR.SOG(SPE).REC.147/13.03.00/ 2025-26 November 28, 2025 Reserve Bank of India (Local Area 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 Curency 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 23 In exercise of the powers conferred by Sections 21 and 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.
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