RBI/DOR/2025-26/239 DOR.STR.REC.158/21.04.048 /2025-26 November 28, 2025 Reserve Bank of India (Local Area Banks – Resolution of Stressed Assets) Directions, 2025 Table of Contents Chapter I - Preliminary 2 A. Short title and commencement 2 B. Applicability 3 C. Definitions 3 Chapter II - General Requirements 5 A. Board approved policies: 5 B. Early identification and reporting of stress 6 C. Disclosures 7 Chapter III - Prudential Norms Applicable to Restructuring 8 A. Restructuring of accounts – General Instructions 8 Chapter IV - Special Cases of Restructuring 9 A. Compromise Settlements and Technical Write-offs 9 Chapter V - Government Debt Relief Schemes (DRS) 13 A. Prudential treatment in respect of Government Debt Relief Schemes (DRS): 13 Chapter VI - Special Measures 16 A. Trade Relief Measures 16 Chapter VII - Repeal and Other Provisions 17 A. Repeal and saving 17 B. Application of other laws not barred 17 C. Interpretations 18 Annex 19 Introduction These Directions are issued with a view to providing a framework for early recognition, reporting and time bound resolution of stressed assets

RBI/2025-26/240 DOR.FIN.REC.No.159/20-16-003/2025-26 November 28, 2025 Reserve Bank of India (Local Area Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025 Table of Contents Chapter I - Preliminary 3 Chapter II - Function of Board 9 Chapter III - Treatment of Wilful Defaulters 10 Chapter IV - Reporting of Wilful Defaulters and Large Defaulters 16 Chapter V - Preventive Measures and Role of Auditors 20 Chapter VI - Repeal and Other Provisions 23 Annex I - Format for submission of List of Large Defaulters 25 Annex II - Format for submission of data on cases of wilful default 28   Introduction The objective of these Directions is to provide for a non-discriminatory and transparent procedure, having regard to the principles of natural justice, for classifying a borrower as a wilful defaulter by banks. The directions also aim to put in place a system to disseminate credit information about wilful defaulters for cautioning lenders to ensure that further institutional finance is not made available to them. Accordingly, in exercise of the powers conferred by the Sections 21 and 35A of the Banking Regulation Act, 1949; and Section 11 of the Credit Information Companies (Regulation) Act, 2005, the Reserve Bank, being satisfied that it is necessary and expedient in public interest so to do, hereby, issues these Directions hereinafter specified.   Chapter I - Preliminary 1. Short title and commencement (1) These directions shall be called the Reserve Bank of India (Local Area Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025. (2) These directions shall come into force with immediate effect. 2. Applicability (1) These Directions shall be applicable to Local Area Banks (hereinafter collectively referred to as ‘banks’ and individually as a ‘bank’). (2) The restrictions on further financial accommodation to wilful defaulters and provisions regarding large defaulters contained in these Directions, shall apply to all entities regulated by the Reserve Bank, irrespective of whether they fall within the definition of ‘lender’ as provided in these Directions or not.

RBI/DOR/2025-26/241 DOR.ACC.REC.No.160/21.04.018/2025-26 November 28, 2025 Reserve Bank of India (Local Area Banks – Financial Statements: Presentation and Disclosures) Directions, 2025 Table of Contents Chapter-I Preliminary 3 A. Short title and commencement 3 B. Applicability 3 Chapter-II Balance Sheet and Profit and Loss Account 4 A. Format of the Balance Sheet and Profit and Loss Account 4 B. Notes and instructions for compilation 4 C. Guidance on specific issues with respect to certain Accounting Standards 29 Chapter-III Disclosure in financial statements – Notes to Accounts 40 A. General 40 B. Presentation 40 C. Disclosure requirements 40 Chapter-IV Other instructions 74 A. Inter - branch account – provisioning for net debit balance 74 B. Reconciliation of Nostro account and treatment of outstanding entries 74 C. Transfer to / appropriation from Reserve funds 75 D. Provisioning for fraud 76 E. Unreconciled balances 77 F. Deferred tax liability (DTL) on Special Reserve created under Section 36(1) (viii) of the Income Tax Act, 1961 77 G. Window dressing 77 Chapter-V Repeal and Other Provisions 78 A. Repeal and saving 78 B. Application of other laws not barred 78 C. Interpretations 79 Annex I 80 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.

RBI/DOR/2025-26/242 DOR.ACC.REC.161/ 21-02-067/2025-26 November 28, 2025 Reserve Bank of India (Local Area Banks – Prudential Norms on Declaration of Dividends) Directions, 2025 Table of Contents Chapter I - Preliminary 2 A. Short title and commencement 2 B. Applicability 2 C. Definitions 2 Chapter II - Declaration of dividend 4 A. Board Oversight 4 B. Eligibility criteria for declaration of dividend 4 C. Quantum of dividend payable 5 Chapter III - Repeal and other provisions 8 A. Repeal and saving 8 B. Application of other laws not barred 8 C. Interpretations 9 Annex I 10 In exercise of the powers conferred by section 35A of the Banking Regulation Act (BR 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 and in the 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 (Local Area Banks – Prudential Norms on Declaration of Dividends) Directions, 2025. 2. These Directions shall come into effect immediately upon issuance. B. Applicability 3. These Directions shall be applicable to Local Area Banks (LABs) (hereinafter collectively referred to as 'banks' and individually as a 'bank').

RBI/DOR/2025-26/243 DOR.AML.REC.No.162/14.01.008/2025-26 November 28, 2025 Reserve Bank of India (Local Area Banks – Know Your Customer) Directions, 2025 Table of Contents Chapter I – Preliminary 4 A. Short Title and Commencement 4 B. Applicability 4 C. Definitions 4 Chapter II – General 16 A. Board of Directors / Policies related guidelines: 16 B. Other General Guidelines: 18 Chapter III – Customer Acceptance Policy 20 Chapter IV – Risk Management 22 Chapter V – Customer Identification Procedure (CIP) 23 Chapter VI – Customer Due Diligence (CDD) Procedure 25 A. CDD Procedure in case of Individuals 25 B. CDD Measures for Sole Proprietary firms 37 C. CDD Measures for Legal Entities 38 D. Identification of Beneficial Owner 40 E. On-going Due Diligence 41 F. Enhanced and Simplified Due Diligence Procedure 47 F.1 Enhanced Due Diligence 47 F.2 Simplified Due Diligence 49 Chapter VII – Record Management 55 Chapter VIII – Reporting Requirements to Financial Intelligence Unit – India 57 Chapter IX – Requirements/obligations under International Agreements - Communications from International Agencies 59 Chapter X – Other Instructions 63 Chapter XI – Repeal and Other Provisions 76 A. Repeal and Saving 76 B. Application of other laws not barred 76 C. Interpretations 76 Annex I 78 Annex II 93 Introduction In order to prevent banks and other financial institutions from being used as a channel for Money Laundering (ML)/ Terrorist Financing (TF) and to ensure the integrity and stability of the financial system, efforts are continuously being made both internationally and nationally, by way of prescribing various rules and regulations.

RBI/DOR/2025-26/244 DOR.MCS.REC.No.163/01-01-035/2025-26 November 28, 2025 Reserve Bank of India (Local Area Banks - Responsible Business Conduct) Directions, 2025 Table of Contents Chapter I – Preliminary 3 Chapter II – Institutional Framework 9 Chapter III - Customer Service in Branches 11 Chapter IV - Customer Guidance and Protection 13 Chapter V - Financial Inclusion and Accessibility 15 Chapter VI - Payment and Remittance Services 17 Chapter VII - Deposit and Other Liabilities 18 Chapter VIII - Responsible Lending Conduct 49 Chapter IX – Miscellaneous 65 Chapter X - Repeal and Other Provisions 66 Annex I - Forms for inventory 68 Annex II - Settlement of Claims 71 Annex III - Claim form for Accounts with Nominee(s) / Survivorship clause 74 Annex IV - Claim form for Accounts without Nominee / Survivorship clause 78 Annex V - Bond of indemnity / Surety for Deposit accounts 83 Annex VI - Letter of Disclaimer / No objection 86 Annex VII - Declaration / Affidavit 88 Annex VIII - Inventory form and Acknowledgement for Safe Deposit Lockers 90 Annex IX - Inventory Form for Articles in Safe Custody 93 Annex X - Bond of indemnity with respect to delivery of contents of Safe Deposit Locker / Articles kept in Safe Custody 95 Annex XI - Key Facts Statement 97   Introduction Customer service holds great significance in the financial services sector. The Reserve Bank of India has, over the years, issued various instructions with a focus on enhancing the level of customer service and ensuring fair conduct towards customers by banks. These directions are issued with an aim to consolidate the various regulatory instructions on customer service and conduct aspects issued by the Reserve Bank of India to Local Area Banks at one place.

RBI/2025-26/245 DOR.ORG.REC.No.164/21-04-158/2025-26 November 28, 2025 Reserve Bank of India (Local Area Banks – Managing Risks in Outsourcing) Directions, 2025 Table of Contents CHAPTER I – PRELIMINARY 3 A. Short Title and Commencement 3 B. Applicability and Scope 3 C. Definitions 5 CHAPTER II – ROLE OF THE BOARD 8 A. Board-Approved Policy 8 B. Key Responsibilities 8 CHAPTER III – OUTSOURCING OF INFORMATION TECHNOLOGY (IT) SERVICES 9 A. Authorisation, Accountability, and Oversight 9 B. Governance Framework 10 B.1 Outsourcing Policy 10 B.2 Role of Senior Management 11 B.3 Role of IT Function 12 C. Risk Management 12 C.1 Risk Management Framework 12 C.2 Confidentiality and Security of Information 13 D. Outsourcing Process 14 D.1 Service Provider Evaluation 14 D.2 Outsourcing Agreement 15 D.3 Monitoring and Control of Outsourced Services 18 D.4 Inventory of Outsourced Services 20 D.5 Business Continuity and Management of Disaster Recovery Plan 20 D.6 Exit Strategy 20 D.7 Termination 21 E. Specific Outsourcing Arrangements 21 E.1 Outsourcing within a Group / Conglomerate 21 E.2 Offshore or Cross-Border Outsourcing 22 E.3 Outsourcing of Security Operations Centre (SOC) 22 E.4 Usage of Cloud Computing Services 23 F. Redressal of Grievances related to Outsourced Services 28 CHAPTER IV – REPEAL AND OTHER PROVISIONS 30 A. Repeal and Saving 30 B. Application of other laws not barred 30 C. Interpretations 31 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 (Local Area Banks - Managing Risks in Outsourcing) Directions, 2025. 2. These Directions shall come into force with immediate effect. Provided that a bank’s existing Information Technology (IT) outsourcing agreements regardless of whether they are due for renewal on or after the effective date of these Directions shall comply with the provisions of these Directions either at the time of renewal or by April 10, 2026, whichever is earlier. However, the bank’s new IT outsourcing agreements that come into force on or after the effective date of these Directions, shall comply with the provisions of these Directions from the date of agreement itself. Provided further that nothing in the preceding proviso shall be construed as permitting non-compliance with any other extant regulatory instructions or statutory requirements applicable to such arrangements.

RBI/DOR/2025-26/247 DOR.LIC.REC.No.166/22-00-001/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks - Branch Authorisation) Directions, 2025 Table of Contents Chapter I – Preliminary 2 A. Short Title and Commencement 2 B. Applicability 2 C. Definitions 2 Chapter II – Role of Board of Directors 5 A. Board Approved Policy 5 B. Key responsibilities 5 Chapter III – Branch Authorisation 7 A. Opening of Banking Outlets 7 B. Off-site / Mobile Automated Teller Machines (ATMs), Cash Deposit Machines (CDMs) / Bunch Note Acceptor Machines (BNAMs) 15 Chapter IV – Business Facilitator / Business Correspondent Model 17 A. Eligibility 17 B. Guidelines for Engaging Business Facilitator 17 C. Guidelines for engaging Business Correspondents (BCs) 18 Chapter V – Information Reporting 26 A. Banking Outlets / Branches / Offices / Customer Service Points, etc. 26 Chapter VI – Repeal and other Provisions 28 A. Repeal and saving 28 B. Application of other laws not barred 28 C. Interpretations 28 Annex I 30 Annex II 31 Annex III 35 Annex IV 42 Annex V 51 In exercise of the powers conferred by Section 35 A and Section 23 read with Section 51 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 - Branch Authorisation) Directions, 2025. 2. These directions shall come into effect from the date of issue of this Directions. B. Applicability 3. These Directions shall be applicable to Regional Rural Banks (hereinafter collectively referred to as 'banks' and individually as a 'bank') as defined under clause (ja) of Section 5 of the Banking Regulation Act, 1949.

RBI/DOR/2025-26/384 DOR.RAUG.AUT.REC.307/24.01.041/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural 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/2025-26/248 DoR.AUT.REC.No.167/24-01-041/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Undertaking of Financial Services) Directions, 2025 Table of Contents Chapter I – Preliminary 2 A. Short Title and Commencement 2 B. Applicability 2 C. Definitions 2 Chapter II – General Guidelines 5 A. Role of the Board 5 B. Investments in Alternative Investment Funds (AIFs) 5 Chapter III – Financial Services 7 A. Marketing of Mutual Fund Units 7 B. Insurance Business as Corporate Agent without risk Participation 7 C. Insurance Business on Referral basis without risk Participation (Sharing of Physical Space) 8 D. Merchant Acquiring Business 9 Chapter IV - Repeal and Other Provisions 12 A. Repeal and saving 12 B. Application of other laws not barred 12 C. Interpretations 12 Annex I 14 Annex II 15 Annex III 17 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 – Undertaking of Financial Services) Directions, 2025. 2. These Directions shall come into force with immediate effect. Provided that, the provisions contained in paragraphs 10 to 16 shall come into effect from January 1, 2026, or from an earlier date as may be decided by a Regional Rural Bank as per its internal policy.

RBI/DOR/2025-26/249 DOR.GOV.REC.No.168/29.67.001/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks - Governance) Directions Table of Contents Chapter I - Preliminary 2 A. Short title and commencement 2 B. Applicability 2 C. Definitions 2 Chapter II - Role of Nominee Directors and Non-Official Directors 4 Chapter III – Board Meeting Procedures 6 Chapter IV – Committees of the Board 12 A. Audit Committee of the Board 12 B. Risk Management Committee 18 Chapter VI – Repeal and other provisions 21 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 - Governance) 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 ‘RRBs’ and individually as an ‘RRB’) as defined under Clause (ja) of Section 5 of the Banking Regulation Act, 1949, to the extent they are not inconsistent with the statutory provisions or instructions issued thereunder.

Reserve Bank of India (Regional Rural Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 Table of Contents Chapter I - Preliminary 2 Chapter II - Cash Reserve Ratio (CRR) 9 Chapter III - Statutory Liquidity Ratio (SLR) 14 Chapter IV - Procedure for computation of SLR 18 Chapter V - Reporting 19 Chapter VI - Penalties 22 Chapter VII - Repeal And Other Provisions 24 Annex I 26 Annex II 34   In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949 and pursuant to Section 42 of the Reserve Bank of India Act, 1934 and Sections 18 and 24 of Banking Regulation Act, 1949, as amended from time to time, and all other provisions / laws enabling the Reserve Bank of India (hereinafter referred as the ‘RBI’ or ‘Reserve Bank’) 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 – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025. 2. These Directions shall come into force with immediate effect

RBI/DOR/2025-26/261 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 Table of Contents Chapter I Preliminary 2 A Short title and commencement 2 B Applicability 2 C Definitions 2 Chapter II Regulatory capital 4 A Composition of regulatory capital 4 B Tier 1 Capital 4 C Regulatory adjustments / deductions from capital 9 D Tier 2 capital 11 Chapter III Computation of Risk Weighted Asset (RWA) 12 Chapter IV Reporting 24 Chapter V Repeal and Other Provisions 25 A Repeal and Savings 25 B Application of other laws not barred 25 C Interpretations 25 Annex I Statement of capital funds and RWAs 27 In exercise of the powers conferred by section 35A of the Banking Regulation Act (BR Act), 1949, the Reserve Bank of India, being satisfied that it is necessary and expedient in the public interest and in the interest of banking policy 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 - Prudential Norms on Capital Adequacy) Directions, 2025. 2. These Directions shall come into effect immediately upon issuance. B Applicability 3. These Directions shall be applicable to Regional Rural Banks (RRBs) (hereinafter collectively referred to as ‘banks’ or ‘RRBs’ and individually as a ‘bank’ or ‘RRB). C Definitions 4. In this chapter, unless the context states otherwise, the terms herein shall bear the meanings assigned to them below: (1) ‘Credit risk’ shall mean the potential that a bank's borrower or counterparty may fail to meet its obligations in accordance with agreed terms. It is also the possibility of losses associated with diminution in the credit quality of borrowers or counterparties; (2) ‘Deferred Tax Assets (DTA)’ and ‘Deferred Tax Liabilities (DTL)’ shall have the same meaning as assigned under the applicable Accounting Standards; (3) ‘Derivative’ shall have the same meaning as assigned to it in section 45U(a) of the RBI Act, 1934; (4) ‘Other approved securities’ shall have the same meaning as defined under Reserve Bank of India (Regional Rural Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025; and (5) ‘Public financial institution’ shall have the same meaning as defined under sub-section 2(72) of the Companies Act, 2013.

RBI/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 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 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. Chapter I : Preliminary A. Short Title and Commencement 1. These Directions shall be called the Reserve Bank of India (Regional Rural Banks - Interest Rate on Deposits) Directions, 2025. 2. These Directions shall come into effect on the day it is placed on the official website of the Reserve Bank of India.

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 Table of Contents Chapter-I Preliminary 3 A. Short Title and Commencement 3 B. Applicability 3 C. Definitions 3 Chapter-II Membership of CICs 5 Chapter-III Credit Information Reporting and Dissemination 6 A. Data formats 6 B. Reporting timelines and updation 6 C. Reporting guidelines 6 D. Rectification of rejected data and review of Data Quality Index (DQI) 12 E. Correction of Credit Information Report 13 F. Use of credit information reports in credit appraisal 13 G. Display of information 13 H. Applicability of other instructions issued by Department of Regulation 15 Chapter-IV Technical Working Group 16 Chapter-V Customer Service and Grievance Redressal 18 A. Strengthening of customer service 18 B. Framework for compensation to customers 19 C. Reserve Bank- Integrated Ombudsman Scheme, 2021 27 Chapter-VI Best Practices 28 Chapter-VII Repeal and Other Provisions 29 A. Repeal and saving 29 B. Application of other laws not barred 29 C. Interpretations 30 Annex I 31 Annex II 62 Annex III 63 Annex IV 70 Annex V 71 Introduction These directions aim to establish a standardised framework for reporting and dissemination of credit information; safeguard the confidentiality and security of sensitive credit data; provide mechanisms for consumers to access their credit information and grievance redressal on matters related to credit information reporting.

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 Table of Contents Chapter I - Preliminary 2 Chapter II - Board Approved Policies 5 Chapter III - Statutory Restrictions 6 Chapter IV - Valuation of Properties - Empanelment of Valuers 10 Chapter V - Filing of Security Interest relating to Immovable (other than equitable mortgage), Movable, and Intangible Assets in CERSAI 12 Chapter VI - Opening of Current Accounts and CC / OD Accounts by Banks 14 Chapter VII - Loan System for Delivery of Bank Credit 21 Chapter VIII – Miscellaneous 23 Chapter IX - Repeal and other provisions 24 Annex I 26 Annex II 27 Introduction Regional Rural Banks (RRBs), in the course of financial intermediation, are exposed to various financial and non-financial risks, of which credit risk is the one of the most significant risks. If not managed effectively, credit risk may have ramifications for a range of other risk categories too. As credit exposures of RRBs encompass varied sectors, borrower types and products with their own idiosyncratic complexities as well as systemic implications due to interconnectedness among themselves, credit risk management of RRBs involve a range of prudential tools, including statutory and regulatory restrictions / prohibitions on certain activities. Recognising this, the Reserve Bank has, from time to time, issued guidelines to strengthen credit risk management practices. Accordingly, in exercise of the powers conferred by Sections 20, 21 and 35A of the Banking Regulation Act, 1949, and all other provisions / laws enabling the Reserve Bank of India (hereinafter called the Reserve Bank) in this regard, Reserve Bank 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 Risk Management) Directions, 2025. 2. These Directions shall come into effect immediately upon issuance. B. Applicability 3. These Directions shall be applicable to Regional Rural Banks (hereinafter collectively referred to as ‘banks’ and individually as a ‘bank’).

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 Table of Contents Chapter I - Preliminary 2 Chapter II - Exposure Norms 5 Chapter III - Repeal and other provisions 7 Annex - I 8   Introduction The concentration of a bank’s exposures to a single borrower or a group borrower poses significant risks. The Reserve Bank of India (RBI), recognizing the imperative of robust risk management, therefore introduced prudential exposure limits for Regional Rural Banks (RRBs) in October 1995. These limits restricted banks’ exposures to individual borrower and group borrowers to a certain percentage of capital funds, laying the foundation for mitigating concentration risk on assets side of their balance sheets. These prudential norms were further revised in March 2000 and June 2001 and the reference parameter was changed to owned funds. In addition, banks were advised in October 1999 to implement the recommendations of High-Level Committee on Credit SSI, which required, inter alia, banks to have their own sectoral exposure limits. Recognizing the imperative of robust risk management in the area of concentration risk either to a counterparty or a group of connected counterparties or specific sectors, 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. Chapter I - Preliminary A. Short Title and Commencement 1. These Directions shall be called the Reserve Bank of India (Regional Rural Banks: Concentration Risk Management) Directions, 2025. 2. These Directions shall come into effect immediately upon issuance. B. Applicability 3. These Directions shall be applicable to Regional Rural Banks (hereinafter collectively referred to as ‘RRBs’ and individually as ‘RRB’).