अधिसूचनाएं

RBI/2025-26/146 DOR.CRE.REC.352/07-02-005/2025-26 December 11, 2025 Reserve Bank of India (Urban Co-operative Banks – Credit Risk Management) – Amendment Directions, 2025

RBI/2025-26/145 DOR.CRE.REC.351/07-02-004/2025-26 December 11, 2025 Reserve Bank of India (Regional Rural Banks – Credit Risk Management) – Amendment Directions, 2025

RBI/2025-26/144 DOR.CRE.REC.350 /07-02-003/2025-26 December 11, 2025 Reserve Bank of India (Local Area Banks – Credit Risk Management) – Amendment Directions, 2025

RBI/2025-26/143 DOR.SOG(SPE).REC.349/13-04-001/2025-26 December 11, 2025 Reserve Bank of India (Payments Banks – Miscellaneous) – Amendment Directions, 2025

RBI/2025-26/142 DOR.CRE.REC.348/07-02-002/2025-26 December 11, 2025 Reserve Bank of India (Small Finance Banks – Credit Risk Management) – Amendment Directions, 2025

RBI/2025-26/141 DOR.CRE.REC.347/07-02-001/2025-26 December 11, 2025 Reserve Bank of India (Commercial Banks – Credit Risk Management) – Amendment Directions, 2025

भा.रि.बैंक/2025-26/140 ए.पी. (डीआईआर सीरीज़) परिपत्र सं 18 8 दिसंबर 2025 सेवा में सभी प्राधिकृत व्यक्ति महोदया/ महोदय, नेपाल और भूटान से या नेपाल और भूटान को भारतीय करेंसी का निर्यात तथा आयात

भारतीय रिज़र्व बैंक (विदेशी मुद्रा विभाग) (केंद्रीय कार्यालय) मुंबई 400001 अधिसूचना सं. फेमा 6 (आर)/(4)/2025-आरबी 8 दिसंबर 2025 विदेशी मुद्रा प्रबंध (करेंसी का निर्यात तथा आयात) (संशोधन) विनियमावली, 2025

RBI/DOR/2025-26/139 DOR.RAUG.AUT.REC.No.344/24.01.041/2025-26 December 05, 2025 Reserve Bank of India (Non-Operative Financial Holding Company) (Amendment) Directions, 2025

RBI/DOR/2025-26/138 DOR.RAUG.AUT.REC.No.343/24.01.041/2025-26 December 05, 2025 Reserve Bank of India (Non-Banking Financial Companies – Undertaking of Financial Services) (Amendment) Directions, 2025 Reserve Bank had earlier issued directions on Financial Services provided by Banks in 2016, since replaced by entity-wise Master Directions issued on November 28, 2025 - Reserve Bank of India (Non-Banking Financial Companies – Undertaking of Financial Services) Directions, 2025. A review of some provisions contained in the earlier instructions was carried out and a draft circular was placed on the website on October 04, 2024.

RBI/DOR/2025-26/137 DOR.RAUG.AUT.REC.No.345/24.01.041/2025-26 December 05, 2025 Reserve Bank of India (Payments Banks – Undertaking of Financial Services) (Amendment) Directions, 2025

RBI/DOR/2025-26/136 DOR.RAUG.AUT.REC.No.346/24.01.041/2025-26 December 05, 2025 Reserve Bank of India (Small Finance Banks – Undertaking of Financial Services) (Amendment) Directions, 2025

RBI/DOR/2025-26/135 DOR.RAUG.AUT.REC.No.342/24.01.041/2025-26 December 05, 2025 Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) (Amendment) Directions, 2025

आरबीआई/2025-26/134 विवि.आरईटी.आरईसी.341/12.01.001/2025-26 05 दिसंबर 2025 सभी बैंक महोदया/महोदय सीआरआर और एसएलआर आवश्यकताओं में कमी होने पर दंडात्मक ब्याज - बैंक दर में परिवर्तन कृपया उपर्युक्त विषय पर हमारे दिनांक 06 जून 2025 के परिपत्र विवि.आरईटी.आरईसी.22/12.01.001/2025-26 का संदर्भ लें ।

आरबीआई / 2025-26 / 133 संदर्भ सं. मौनीवि.बीसी. 401/07.01.279/ 2025-26 5 दिसम्बर, 2025 सभी प्राथमिक व्यापारी, प्राथमिक व्यापारियों के लिए स्थायी चलनिधि सुविधा

आरबीआई/2025-26/132 एफएमओडी.एमएओजी.सं.153/01.01.001/2025-26 05 दिसंबर, 2025 सभी चलनिधि समायोजन सुविधा (एलएएफ) प्रतिभागी महोदया/ महोदय, चलनिधि समायोजन सुविधा- दरों में परिवर्तन जैसा कि 05 दिसंबर 2025 के मौद्रिक नीति वक्तव्य में आज घोषित किया गया है, मौद्रिक नीति समिति (एमपीसी) द्वारा चलनिधि समायोजन सुविधा (एलएएफ) के अंतर्गत नीतिगत रेपो दर को तत्काल प्रभाव से 5.50 प्रतिशत से 25 आधार अंक कम करके 5.25 प्रतिशत करने का निर्णय लिया गया है।

RBI/2025-26/131 DOR.CRE.REC.339/21-01-002/2025-26 December 4, 2025 Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Amendment Directions, 2025 Please refer to Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Directions, 2025 (hereinafter referred to as ‘the Directions’).

RBI/2025-26/130 DOR.CRE.REC.335/21-01-002/2025-26 December 4, 2025 Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2025 Please refer to Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Directions, 2025 (hereinafter referred to as ‘the Directions’).

RBI/2025-26/129 DOR.STR.REC.340/21-04-048/2025-26 December 4, 2025 Reserve Bank of India (Small Finance Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2025  Please refer to Reserve Bank of India (Small Finance Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (hereinafter referred to as ‘the Directions’).

RBI/2025-26/128 DOR.STR.REC.336/21-04-048/2025-26 December 4, 2025 Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2025 Please refer to Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (hereinafter referred to as ‘the Directions’).

RBI/2025-26/127 DOR.CRE.REC.337/07-03-002/2025-26 December 4, 2025 Reserve Bank of India (Small Finance Banks - Concentration Risk Management) Amendment Directions, 2025 Please refer to Reserve Bank of India (Small Finance Banks - Concentration Risk Management) Directions, 2025 (hereinafter referred to as ‘the Directions’).

RBI/2025-26/126 DOR.CRE.REC.333/07-03-001/2025-26 December 4, 2025 Reserve Bank of India (Commercial Banks - Concentration Risk Management) Amendment Directions, 2025 Please refer to Reserve Bank of India (Commercial Banks - Concentration Risk Management) Directions, 2025 (hereinafter referred to as ‘the Directions’).

RBI/2025-26/125 DOR.CRE.REC.338/07-01-002/2025-26 December 4, 2025 Reserve Bank of India (Small Finance Banks - Credit Facilities) Amendment Directions, 2025  

RBI/2025-26/124 DOR.CRE.REC.334/07-01-001/2025-26 December 4, 2025 Reserve Bank of India (Commercial Banks - Credit Facilities) Amendment Directions, 2025

RBI/DOR/2025-26/123 DOR.SOG(SPE).REC.No.329/13-04-001/2025-26 December 04, 2025 Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) (Amendment) Directions, 2025 Reserve Bank of India had issued Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) Directions, 2025 (DoR.SOG(SPE).REC.No.238/13-04-001/2025-26) on November 28, 2025. In exercise of powers conferred by Section 35A read with Section 56 of the Banking Regulation Act, 1949, as amended vide Banking Regulation (Amendment) Act 2020 (39 of 2020) 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 to do so, hereby issues these Directions hereinafter specified.

RBI/DOR/2025-26/122 DOR.LIC.REC.No.328/07-01-000/2025-26 December 04, 2025 Reserve Bank of India (Rural Co-operative Banks - Branch Authorisation) Repeal Directions, 2025 The Reserve Bank of India being satisfied that it is necessary and expedient in the public interest to do so, hereby repeals the Reserve Bank of India (Rural Co-operative Banks - Branch Authorisation) Directions, 2025 (DoR.LIC.REC.No.215/07-01-000/2025-26) issued on November 28, 2025. The Directions have now been replaced with Reserve Bank of India (Rural Co-operative Banks - Branch Authorisation) Directions, 2025 issued on December 04, 2025.

RBI/DOR/2025-26/121 DOR.LIC.REC.No.327/07-01-000/2025-26 December 04, 2025 Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Repeal Directions, 2025 The Reserve Bank of India being satisfied that it is necessary and expedient in the public interest to do so, hereby repeals the Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Directions, 2025 (DoR.LIC.REC.No.190/07-01-000/2025-26) issued on November 28, 2025. The Directions have now been replaced with Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Directions, 2025 issued on December 04, 2025.

RBI/DOR/2025-26/120 December 04, 2025 Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Repeal Guidelines, 2025 The Reserve Bank of India being satisfied that it is necessary and expedient in the public interest to do so, hereby repeals the Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Guidelines, 2025 (RBI/DOR/2025-26/269) issued on November 28, 2025. The Guidelines have now been replaced with Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Guidelines, 2025 issued on December 04, 2025.

RBI/DOR/2025-26/119 DoR.FIN.REC.No. 326/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Credit Information Companies) Amendment Directions, 2025

RBI/DOR/2025-26/118 DOR.FIN.REC.No. 325/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Asset Reconstruction Companies – Credit Information Reporting) Amendment Directions, 2025

RBI/DOR/2025-26/117 DOR.FIN.REC.No. 324/20.16.056/2025-26December 04, 2025 Reserve Bank of India (Non-Banking Financial Companies – Credit Information Reporting) Amendment Directions, 2025

RBI/DOR/2025-26/116 DOR.FIN.REC.No.323/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (All India Financial Institutions – Credit Information Reporting) Amendment Directions, 2025 The Reserve Bank had issued Reserve Bank of India (All India Financial Institutions – Credit Information Reporting) Directions, 2025 for efficient functioning of credit information reporting system in the country. There is a need to further amend the same based on a review of the extant instructions.

RBI/DOR/2025-26/115 DOR.FIN.REC.No. 322/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Rural Co-operative Banks – Credit Information Reporting) Amendment Directions, 2025 The Reserve Bank had issued Reserve Bank of India (Rural Co-operative Banks – Credit Information Reporting) Directions, 2025 for efficient functioning of credit information reporting system in the country. There is a need to further amend the same based on a review of the extant instructions.

RBI/DOR/2025-26/114 DoR.FIN.REC.No. 321/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Urban Co-operative Banks – Credit Information Reporting) Amendment Directions, 2025

RBI/DOR/2025-26/113 DOR.FIN.REC.No. 320/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Regional Rural Banks – Credit Information Reporting) Amendment Directions, 2025

RBI/DOR/2025-26/112 DOR.FIN.REC.No. 319/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Local Area Banks – Credit Information Reporting) Amendment Directions, 2025

RBI/DOR/2025-26/111 DOR.FIN.REC.No. 318/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Small Finance Banks – Credit Information Reporting) Amendment Directions, 2025

RBI/DOR/2025-26/110 DOR.FIN.REC.No. 317/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Commercial Banks – Credit Information Reporting) Amendment Directions, 2025

RBI/2025-26/109 DOR.MCS.REC.No.316/01-01-038/2025-26 December 04, 2025 Reserve Bank of India (Rural Co-operative Banks - Responsible Business Conduct) Amendment Directions, 2025 The Basic Savings Bank Deposit (BSBD) Account was introduced as a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. In order to provide affordable banking facilities to public, to drive enhanced usage of BSBD accounts and also in the interest of better customer service for BSBD account holders, it was decided to review the extant instructions on BSBD account and accordingly, the draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 was issued on October 1, 2025 for public consultation / feedback. The public / stakeholder feedback has since been analysed and it has been decided to issue the final instructions on BSBD account to Rural Co-operative Banks (hereinafter individually referred to as an ‘RCB’) through amendment to the Reserve Bank of India (Rural Co-operative Banks - Responsible Business Conduct) Directions, 2025.

RBI/2025-26/108 DOR.MCS.REC.No.315/01-01-037/2025-26 December 04, 2025 Reserve Bank of India (Urban Co-operative Banks - Responsible Business Conduct) Amendment Directions, 2025 The Basic Savings Bank Deposit (BSBD) Account was introduced as a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. In order to provide affordable banking facilities to public, to drive enhanced usage of BSBD accounts and also in the interest of better customer service for BSBD account holders, it was decided to review the extant instructions on BSBD account and accordingly, the draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 was issued on October 1, 2025 for public consultation / feedback. The public / stakeholder feedback has since been analysed and it has been decided to issue the final instructions on BSBD account to Urban Co-operative Banks (hereinafter individually referred to as a ‘UCB’) through amendment to the Reserve Bank of India (Urban Co-operative Banks - Responsible Business Conduct) Directions, 2025.

RBI/2025-26/107 DOR.MCS.REC.No.314/01-01-036/2025-26 December 04, 2025 Reserve Bank of India (Regional Rural Banks - Responsible Business Conduct) Amendment Directions, 2025 The Basic Savings Bank Deposit (BSBD) Account was introduced as a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. In order to provide affordable banking facilities to public, to drive enhanced usage of BSBD accounts and also in the interest of better customer service for BSBD account holders, it was decided to review the extant instructions on BSBD account and accordingly, the draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 was issued on October 1, 2025 for public consultation / feedback. The public / stakeholder feedback has since been analysed and it has been decided to issue the final instructions on BSBD account to Regional Rural Banks (hereinafter individually referred to as an ‘RRB’) through amendment to the Reserve Bank of India (Regional Rural Banks - Responsible Business Conduct) Directions, 2025.

RBI/2025-26/106 DOR.MCS.REC.No.313/01-01-035/2025-26 December 04, 2025 Reserve Bank of India (Local Area Banks - Responsible Business Conduct) Amendment Directions, 2025 The Basic Savings Bank Deposit (BSBD) Account was introduced as a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. In order to provide affordable banking facilities to public, to drive enhanced usage of BSBD accounts and also in the interest of better customer service for BSBD account holders, it was decided to review the extant instructions on BSBD account and accordingly, the draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 was issued on October 1, 2025 for public consultation / feedback. The public / stakeholder feedback has since been analysed and it has been decided to issue the final instructions on BSBD account to Local Area Banks (hereinafter individually referred to as an ‘LAB’) through amendment to the Reserve Bank of India (Local Area Banks - Responsible Business Conduct) Directions, 2025.

RBI/2025-26/105 DOR.MCS.REC.No.312/01-01-034/2025-26 December 04, 2025 Reserve Bank of India (Payments Banks - Responsible Business Conduct) Amendment Directions, 2025 The Basic Savings Bank Deposit (BSBD) Account was introduced as a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. In order to provide affordable banking facilities to public, to drive enhanced usage of BSBD accounts and also in the interest of better customer service for BSBD account holders, it was decided to review the extant instructions on BSBD account and accordingly, the draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 was issued on October 1, 2025 for public consultation / feedback. The public / stakeholder feedback has since been analysed and it has been decided to issue the final instructions on BSBD account to Payments Banks (hereinafter individually referred to as a ‘PB’) through amendment to the Reserve Bank of India (Payments Banks - Responsible Business Conduct) Directions, 2025.

RBI/2025-26/104 DOR.MCS.REC.No.311/01-01-033/2025-26 December 04, 2025 Reserve Bank of India (Small Finance Banks - Responsible Business Conduct) Amendment Directions, 2025 The Basic Savings Bank Deposit (BSBD) Account was introduced as a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. In order to provide affordable banking facilities to public, to drive enhanced usage of BSBD accounts and also in the interest of better customer service for BSBD account holders, it was decided to review the extant instructions on BSBD account and accordingly, the draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 was issued on October 1, 2025 for public consultation / feedback. The public / stakeholder feedback has since been analysed and it has been decided to issue the final instructions on BSBD account to Small Finance Banks (hereinafter individually referred to as a ‘bank’) through amendment to the Reserve Bank of India (Small Finance Banks - Responsible Business Conduct) Directions, 2025.

RBI/2025-26/103 DOR.MCS.REC.No.310/01-01-032/2025-26 December 04, 2025 Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Amendment Directions, 2025 The Basic Savings Bank Deposit (BSBD) Account was introduced as a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. In order to provide affordable banking facilities to public, to drive enhanced usage of BSBD accounts and also in the interest of better customer service for BSBD account holders, it was decided to review the extant instructions on BSBD account and accordingly, the draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 was issued on October 1, 2025 for public consultation / feedback. The public / stakeholder feedback received has since been analysed and it has been decided to issue the final instructions on BSBD account to commercial banks (excluding Small Finance Banks, Payments Banks and Local Area Banks) (hereinafter individually referred to as a ‘bank’) through amendment to the Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Directions, 2025.

भा.रि.बैंक/2025-26/102 ए.पी. (डी.आई.आर. सीरीज़) परिपत्र सं. 17 03 दिसंबर 2025 सेवा में, सभी प्राधिकृत व्यक्ति महोदया/ महोदय,

आरबीआई/2025-26/101 सीओ.डीपीएसएस. पीओएलसी.एस -955 / 02-30-010 / 2025-26 28 नवंबर 2025 सभी भुगतान प्रणाली प्रदाता और भुगतान प्रणाली प्रतिभागी महोदया / प्रिय महोदय, अपने ग्राहक को जानिए (केवाईसी) मानदंडों का अनुपालन रिज़र्व बैंक ने आज, 25 फरवरी 2016 के आरबीआई निदेश डीबीआर.एएमएल.बीसी.सं.81/14.01.001/2015-16 (जैसा कि समय-समय पर अद्यतन किया जाता है) को तुरंत प्रभाव से रद्द कर दिया है।

आरबीआई/2025-26/100 विवि.आरआरसी.आरईसी.302/33-01-010/2025-26 28 नवंबर, 2025 विनियमों का समेकन - परिपत्रों को वापस लेना कृपया दिनांक 28 नवंबर, 2025 को जारी प्रेस विज्ञप्ति देखें, जिसमें भारतीय रिज़र्व बैंक के विनियमन विभाग (डीओआर) द्वारा वर्तमान में प्रशासित अनुदेशों को समेकित करते हुए 244 मास्टर निदेश जारी करने की घोषणा की गई है। 2. इन 244 मास्टर निदेशों में, डीओआर द्वारा जारी किए गए निदेशों के साथ-साथ उन पूर्ववर्ती विभागों द्वारा जारी निदेशों को भी शामिल किया गया है जिनका

भा.रि.बैंक/2025-26/99 ए.पी. (डी.आई.आर. सीरीज़) परिपत्र सं. 16 28 नवम्बर 2025 सभी प्राधिकृत व्यक्ति महोदया/ महोदय, अपने ग्राहक को जानिए (केवाईसी) मानदंडों का अनुपालन प्राधिकृत व्यक्तियों का ध्यान ‘मास्टर निदेश – मुद्रा परिवर्तन संबंधी गतिविधियाँ’ के खंड I और खंड VI; ‘मास्टर निदेश – पारदेशीय निवेश’ के पैरा 27(4); ‘मास्टर निदेश – अन्य विप्रेषण सुविधाएँ’ के पैरा 6.5; और ‘मास्टर निदेश – धन अंतरण सेवा योजना (एमटीएसएस)’ के पैरा 3.2.बी और 8(i) में निहित केवाईसी मानदंडों के अनुपालन से संबन्धित निर्देशों की ओर आकृष्ट किया जाता है।

<p>RBI/FED/2025-26/98 ए.पी. (डीआईआर श्रृंखला) परिपत्र संख्या 05/2025-26, नवंबर 24, 2025 सभी अधिकृत व्यक्तियों को, महोदय / महोदया, फेमा, 1999, के तहत उल्लंघनों के समाधान के निर्देशों में संशोधन अधिकृत व्यक्तियों का ध्यान फेमा, 1999 के तहत उल्लंघनों के समाधान पर मास्टर निर्देश, दिनांक 22 अप्रैल, 2025 की ओर आकर्षित किया जाता है। 2. शमन करने के लिए आवेदन शुल्क और 'जिस</p>