विनियमन वाणिज्यिक बैंकिंग

The Reserve Bank has today granted ‘in-principle’ approval to Fino Payments Bank Limited (FPBL) for conversion into a Small Finance Bank (SFB). Background RBI has issued the Guidelines for ‘on tap’ licensing of SFBs in the private sector (the guidelines). As per the guidelines, existing Payments Banks which are controlled by residents and have completed five years of operations are eligible for conversion into SFBs. The application of FPBL was assessed as per the procedure laid down in the guidelines.

The Reserve Bank of India had issued draft circular on ‘Forms of Business and Prudential Regulation for Investments’ on October 04, 2024, seeking feedback from banks and other stakeholders. The objective of the draft circular was to review regulations on ringfencing of banks’ core business from other risk bearing non-core businesses as also to provide level playing field.

The Reserve Bank of India has, from time to time, issued several instructions/ guidelines to co-operative banks, i.e., Primary (Urban) Co-operative Banks (UCBs), State Co-operative banks (StCBs) and District Central Co-operative banks (DCCBs), related to permission for place of business, change of name and scheduling. With a view to harmonising the above instructions/ guidelines and consolidating them in one place, Draft Master Direction (MD) on Business Authorization for Co-operative Banks (Directions), 2025 was issued on July 28, 2025 seeking feedback from banks and other stakeholders.

Extant guidelines stipulate submission of credit information by Credit Institutions (CIs) to Credit Information Companies (CICs) at fortnightly or shorter intervals. Given the increasing reliance of CIs on credit information reports (CIRs) in credit underwriting processes, it is imperative that the CIRs provided by CICs reflect more recent information. Upon review, it was proposed to amend the extant instructions and transition to weekly incremental submission of credit information by CIs to CICs along with measures to facilitate faster data submission and error rectification. Accordingly, the Reserve Bank had issued Draft Reserve Bank of India (Credit Information Reporting) (1st Amendment) Directions, 2025, on September 29, 2025, inviting public comments / feedback.

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. Access to financial services has improved significantly in recent years. However, the ongoing digitalisation of the banking sector requires a BSBD account that is in sync with the customer’s evolving requirements. Accordingly, it was decided to review the extant instructions and draft Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 were issued on October 1, 2025 for public consultation / feedback.

भारतीय स्टेट बैंक, एचडीएफसी बैंक और आईसीआईसीआई बैंक को 2024 की डी-एसआईबी सूची के समान ही बकेटिंग संरचना के अंतर्गत प्रणालीगत रूप से महत्वपूर्ण घरेलू बैंकों (डी-एसआईबी) के रूप में पहचाना गया है। इन डी-एसआईबी के लिए

नवंबर 2025 माह के दौरान नागरिक चार्टर के अंतर्गत कार्य-निष्पादन का विश्लेषण किया गया है, और उसका सारांश नीचे दिया गया है –

(राशि ₹ करोड़ में) अनुसूचित वाणिज्यिक बैंक (क्षेत्रीय ग्रामीण बैंकों, लघु वित्त बैंकों और पेमेंट बैंकों सहित)    सभी अनुसूचित बैंक 15-नवंबर-2024    31-अक्तूबर-2025*    14-नवंबर-2025*    15-नवंबर-2024    31-अक्तूबर-2025*    14-नवंबर-2025* I    बैंकिंग प्रणाली के प्रति देयताएं (क)    क) बैंकों से मांग और मीयादी जमाराशियां    286037.41    324591.97    350944.60    291221.79    331728.86    3 

ज़र्व बैंक ने वैश्विक प्रतिकूल परिस्थितियों के कारण निर्यात पर होने वाली व्यापार रुकावटों के प्रभाव को कम करने के लिए निम्नलिखित उपाय किए हैं। ए. सामान/सॉफ्टवेयर/सेवाओं के निर्यात से प्राप्त होने वाली राशि की वसूली और प्रत्यावर्तन तथा निर्यात के बदले अग्रिम भुगतान संबंधी फेमा विनियम i) भारत से निर्यात किए ग