विनियमन वाणिज्यिक बैंकिंग

RBI/2025-26/<> DOR.CRE.REC. /07.01.002/2025-26 DD-MM-YYYY Reserve Bank of India (Small Finance Banks – Credit Facilities) Second Amendment Directions, 2026 – Draft for Comments Please refer to the Reserve Bank of India (Small Finance Banks – Credit Facilities) Directions, 2025 (hereinafter referred to as ‘Directions’). 2. On a review, and 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 in this regard, the Reserve Bank of India, being satisfied that it is necessary and expedient in public interest so to do, hereby, issues the Second Amendment Directions hereinafter specified.

RBI/2025-26/<> DOR.CRE.REC. /21.04.018/2025-26 DD-MM-YYYY Reserve Bank of India (Commercial Banks – Financial Statements: Presentation and Disclosures) Fourth Amendment Directions, 2026 – Draft for Comments Please refer to the Reserve Bank of India (Commercial Banks – Financial Statements: Presentation and Disclosures) Directions, 2025 (hereinafter referred to as ‘Directions’).

RBI/2025-26/<> DOR.CRE.REC. /07-03-001/2025-26 DD-MM-YYYY Reserve Bank of India (Commercial Banks – Concentration Risk Management) Second Amendment Directions, 2026 – Draft for Comments Please refer to the Reserve Bank of India (Commercial Banks – Concentration Risk Management) Directions, 2025 (hereinafter referred to as ‘Directions’).

RBI/2025-26/<> DOR.CRE.REC. /07.01.001/2025-26 DD-MM-YYYY Reserve Bank of India (Commercial Banks – Credit Facilities) Second Amendment Directions, 2026 – Draft for Comments Please refer to the Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 (hereinafter referred to as ‘Directions’). 2. On a review, and 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 in this regard, the Reserve Bank of India, being satisfied that it is necessary and expedient in public interest so to do, hereby, issues the Second Amendment Directions hereinafter specified.

DOR.RAUG.AUT.REC.No. /24.01.041/2025-26 XX 2026 Draft Reserve Bank of India (Non-Banking Financial Companies – Undertaking of Financial Services) Amendment Directions, 2026 In exercise of the powers conferred by Sections 45JA, Section 45K, 45L, and 45M of the Reserve Bank of India Act, 1934, Section 3 read with Section 31A and Section 6 of Factoring Regulation Act, 2011 and Section 30, 30A , 32 and 33 of NHB Act, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby, amends the directions issued vide Reserve Bank of India (Non-Banking Financial Companies – Undertaking of Financial Services) Directions, 2025 (“Master Direction”).

DOR.RAUG.AUT.REC.No. /24.01.041/2025-26 XX 2026 Draft Reserve Bank of India (Rural Co-operative Banks – Undertaking of Financial Services) Amendment Directions, 2026 In exercise of the powers conferred by Section 35A read with Section 56 of the Banking Regulation Act, 1949, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby, amends the directions issued vide Reserve Bank of India (Rural Co-operative Banks – Undertaking of Financial Services) Directions, 2025 (“the Master Direction”).

DOR.RAUG.AUT.REC.No. /24.01.041/2025-26 XX 2026 Draft Reserve Bank of India (Urban Co-operative Banks – Undertaking of Financial Services) Amendment Directions, 2026 In exercise of the powers conferred by Section 35A read with Section 56 of the Banking Regulation Act, 1949, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby, amends the directions issued vide Reserve Bank of India (Urban Co-operative Banks – Undertaking of Financial Services) Directions, 2025 (“the Master Direction”).

DOR.RAUG.AUT.REC.No. /24.01.041/2025-26 XX 2026 Draft Reserve Bank of India (Regional Rural Banks – Undertaking of Financial Services) Amendment Directions, 2026 In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby, amends the directions issued vide Reserve Bank of India (Regional Rural Banks – Undertaking of Financial Services) Directions, 2025 (“the Master Direction”).

DOR.RAUG.AUT.REC.No. /24.01.041/2025-26 XX 2026 Draft Reserve Bank of India (Payments Banks – Undertaking of Financial Services) Amendment Directions, 2026 In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby, amends the directions issued vide Reserve Bank of India (Payment Finance Banks – Undertaking of Financial Services) Directions, 2025 (“Master Direction”).

DOR.RAUG.AUT.REC.No. /24.01.041/2025-26 XX 2026 Draft Reserve Bank of India (Small Finance Banks – Undertaking of Financial Services) Amendment Directions, 2026 In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby, amends the directions issued vide Reserve Bank of India (Small Finance Banks – Undertaking of Financial Services) Directions, 2025 (“Master Direction”).

DOR.RAUG.AUT.REC.No. /24.01.041/2025-26 XX 2026 Draft Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) Amendment Directions, 2026 In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby, amends the directions issued vide Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) Directions, 2025 (“Master Direction”).

DOR.MCS.REC.No. /01-01-039/2025-26 February 11, 2026 Draft Reserve Bank of India (Housing Finance Companies) Amendment Directions, 2026 Reserve Bank had earlier issued instructions on ‘Advertising, Marketing and Sales’ to Housing Finance Companies (HFCs) under Chapter-X on ‘Fair Practices Code’ in Reserve Bank of India (Housing Finance Companies) Directions, 2025.

DOR.MCS.REC.No. /01-01-039/2025-26 February 11, 2026 Draft Reserve Bank of India (Non-Banking Financial Companies – Responsible Business Conduct) Amendment Directions, 2026 In the context of distribution of mutual fund products by Non-Banking Financial Companies (NBFCs) and entry into insurance business by Housing Finance Companies (HFCs), certain instructions on customer appropriateness and suitability and other related matters have been issued to NBFCs under the Reserve Bank of India (Non-Banking Financial Companies – Undertaking of Financial Services) Directions, 2025.

DOR.MCS.REC.No. /01-01-040/2025-26 February 11, 2026 Draft Reserve Bank of India (All India Financial Institutions - Responsible Business Conduct) Amendment Directions, 2026 It has been decided to issue comprehensive instructions on advertising, marketing and sales of financial products / services to all the All India Financial Institutions (hereinafter referred to collectively as “AIFIs” and individually as an “AIFI”) under the Reserve Bank of India (All India Financial Institutions – Responsible Business Conduct) Directions, 2025.

DOR.MCS.REC.No. /01-01-038/2025-26 February 11, 2026 Draft Reserve Bank of India (Rural Co-operative Banks - Responsible Business Conduct) Amendment Directions, 2026 It has been decided to issue comprehensive instructions on advertising, marketing and sale of financial product / service to all Rural Co-operative Banks (hereinafter referred to collectively as “RCBs” and individually as an “RCB”) under the Reserve Bank of India (Rural Co-operative Banks – Responsible Business Conduct) Directions, 2025.

DOR.MCS.REC.No. /01-01-037/2025-26 February 11, 2026 Draft Reserve Bank of India (Urban Co-operative Banks - Responsible Business Conduct) Amendment Directions, 2026 It has been decided to issue comprehensive instructions on advertising, marketing and sale of financial product / service to all Urban Co-operative Banks (hereinafter referred to collectively as “UCBs” and individually as a “UCB”) under the Reserve Bank of India (Urban Co-operative Banks – Responsible Business Conduct) Directions, 2025.

DOR.MCS.REC.No. /01-01-036/2025-26 February 11, 2026 Draft Reserve Bank of India (Regional Rural Banks - Responsible Business Conduct) Amendment Directions, 2026 It has been decided to issue comprehensive instructions on advertising, marketing and sale of financial product / service to all Regional Rural Banks (hereinafter referred to collectively as “RRBs” and individually as an “RRB”) under the Reserve Bank of India (Regional Rural Banks – Responsible Business Conduct) Directions, 2025.

DOR.MCS.REC.No. /01-01-035/2025-26 February 11, 2026 Draft Reserve Bank of India (Local Area Banks - Responsible Business Conduct) Amendment Directions, 2026 It has been decided to issue comprehensive instructions on advertising, marketing and sales of financial products / services to all Local Area Banks (hereinafter referred to collectively as “LABs” and individually as an “LAB”) under the Reserve Bank of India (Local Area Banks - Responsible Business Conduct) Directions, 2025.

DOR.MCS.REC.No. /01-01-034/2025-26 February 11, 2026 Draft Reserve Bank of India (Payments Banks - Responsible Business Conduct) Amendment Directions, 2026 In the context of insurance agency business by Payments Banks (PBs), certain instructions on customer appropriateness and suitability and other related matters have been issued to PBs under the Reserve Bank of India (Payments Banks – Undertaking of Financial Services) Directions, 2025.

DOR.MCS.REC.No. /01-01-033/2025-26 February 11, 2026 Draft Reserve Bank of India (Small Finance Banks - Responsible Business Conduct) Amendment Directions, 2026 In the context of insurance agency business by Small Finance Banks (SFBs), certain instructions on customer appropriateness and suitability and other related matters have been issued to SFBs under the Reserve Bank of India (Small Finance Banks – Undertaking of Financial Services) Directions, 2025.

DOR.MCS.REC.No. /01-01-032/2025-26 February 11, 2026 Draft Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Amendment Directions, 2026 In the context of insurance agency business by banks, certain instructions on customer appropriateness and suitability and other related matters have been issued to Commercial Banks (other than Small Finance Banks, Payment Banks Regional Rural Banks, and Local Area Banks) under the Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) Directions, 2025.

DRAFT FOR COMMENTS RBI/2025-26/-- DOR.ACC.REC.No./21.02.067/2025-26 xx, 2026 Reserve Bank of India (Local Area Banks – Prudential Norms on Declaration of Dividend) Directions, 2026 Table of Contents

DRAFT FOR COMMENTS RBI/2025-26/-- DOR.ACC.REC.No./21.02.067/2025-26 xx, 2026 Reserve Bank of India (Payment Banks – Prudential Norms on Declaration of Dividend) Directions, 2026 Table of Contents

DRAFT FOR COMMENTS RBI/2025-26/-- DOR.ACC.REC.No./21.02.067/2025-26 xx, 2026 Reserve Bank of India (Small Finance Banks – Prudential Norms on Declaration of Dividend) Directions, 2026 Table of Contents

RBI/2025-26/-- DOR.ACC.REC.No./21.02.067/2025-26 xx, 2026 Reserve Bank of India (Commercial Banks – Prudential Norms on Declaration of Dividend and Remittances of Profits) Directions, 2026 Table of Contents

RBI/2025-26/<> DOR.CRE.REC. /13.07.005/2025-26 DD-MM-YYYY Reserve Bank of India (Small Finance Banks - Capital Market Exposure) Directions, 2025 Chapter I - Preliminary A. Preamble

RBI/2025-26/<> DOR.CRE.REC. /13.07.005/2025-26 DD-MM-YYYY Reserve Bank of India (Commercial Banks - Capital Market Exposure) Directions, 2025 – Draft for Comments Chapter I - Preliminary A. Preamble

RBI/2025-26/XX DOR.STR.REC.No…………/2025-26 DD-MM-YY Reserve Bank of India (Scheduled Commercial Banks-Asset Classification, Provisioning and Income Recognition) Directions, 2025 – Draft for Comments

RBI/2025-26/ DOR.CRG.REC…/21.06.201/2025-26 DD MM, YYYY Reserve Bank of India (Scheduled Commercial Banks - Capital Charge for Credit Risk – Standardised Approach) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Small Finance Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Commercial Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/xxx DOR.MCS.REC /01.01.003/2025-26 DD-MM-YY Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 – Draft for Comments I. Introduction The Basic Savings Bank Deposit (BSBD) Account is 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. The ongoing digitalisation of the banking sector requires a BSBD account that is in sync with the customer’s evolving requirements. Accordingly, to provide affordable banking facilities to public and in the interest of better customer service and to drive enhanced usage of BSBD accounts, it has been decided to review the extant instructions and issue directions as below for BSBD accounts.

RBI/2025-26/ DOR.CRE.REC. / 21.01.003/2025-26 DD-MM-YY All Scheduled Commercial Banks (excluding RRBs) Madam/ Dear Sir, Guidelines on Enhancing Credit Supply for Large Borrowers through Market Mechanism – Repeal Circular – Draft for Comments

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Payments Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Current Accounts 3 F. Exemptions 4 G. Compliance Monitoring 4 H. Other Restrictions 5

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Small Finance Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Transaction Accounts 3 F. Exemptions 4 G. Compliance Monitoring 6 H. Other Restrictions 6

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Commercial Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Transaction Accounts 3 F. Exemptions 4 G. Compliance Monitoring 6 H. Other Restrictions 6 I. Repeal Provisions 7 Annex 1 8

Draft for Comments RBI/2025-26/ DOR.MRG.REC.No. /00-00-020/2025-26 XX, 2025 All Scheduled Commercial Banks (excluding Payments Banks and Regional Rural Banks) Dear Sir/ Madam, Counterparty Credit Risk: Add-on factors for computation of Potential Future Exposure - Revised Instructions – Draft

Draft for Comments RBI/2025-26/xx DoR.RAUG.AUT.REC.Sxxxx/24.01.041/2025-26 July xx, 2025 Reserve Bank of India – Digital Banking Channels Authorisation Directions, 2025 In exercise of the powers conferred under Section 35A read with Section 56 of the Banking Regulation Act, 1949 (hereinafter called the Act), the Reserve Bank, being satisfied that it is necessary and expedient in the public interest to do so, hereby, issues the following directions.

DOR.SOG(LEG).REC/ XXX/ 09.08.024/2025-26 May XX, 2025 All Commercial Banks (including RRBs) and all Co-operative Banks Madam/ Dear Sir Inoperative Accounts/ Unclaimed Deposits in Banks - Revised Instructions (Amendment) 2025

DOR.AML.REC. XXX/14.01.001/2025-26 May xx, 2025 The Chairpersons/ CEOs of all the Regulated Entities Dear Sir/ Madam, Updation/ Periodic Updation of KYC – Revised Instructions 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).

RBI/2025-26/ DOR.STR.REC. /13.07.010/2025-26 ______, 2025 Reserve Bank of India (Non-Fund Based Credit Facilities) Directions, 2025

RBI/2025-26/ DOR.CRE.REC. /21.01.023/2025-26 ______, 2025 Reserve Bank of India (Lending Against Gold Collateral) Directions, 2025

RBI/2025-26/ DOR.STR.REC. /13.07.010/2025-26 ______, 2025 Reserve Bank of India (Co-Lending Arrangements) Directions, 2025

RBI/2025-26/ DOR.STR.REC. /13.07.010/2025-26 ______, 2025 Reserve Bank of India (Securitisation of Stressed Assets) Directions, 2025