Regulating Commercial Banking

RBI/2025-26/167 DOR.CRE.REC.371/21.04.018/2025-26 January 1, 2026 Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Amendment Directions, 2026

RBI/2025-26/164 DOR.AML.REC.368/14.01.007/2025-26 December 29, 2025 Reserve Bank of India (Small Finance Banks – Know Your Customer) Amendment Directions, 2025 Reserve Bank had issued Reserve Bank of India (Small Finance Banks– Know Your Customer) Directions, 2025 dated November 28, 2025

RBI/2025-26/161 DOR.AML.REC.365/14.01.009/2025-26 December 29, 2025 Reserve Bank of India (Payments Banks – Know Your Customer) Amendment Directions, 2025 Reserve Bank had issued Reserve Bank of India (Payments Banks – Know Your Customer) Directions, 2025 dated November 28, 2025

RBI/2025-26/154 DOR.RET.REC.360/12.01.001/2025-26 December 11, 2025 Reserve Bank of India (Rural Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

RBI/2025-26/153 DOR.RET.REC.359/12.01.001/2025-26 December 11, 2025 Reserve Bank of India (Urban Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

RBI/2025-26/152 DOR.RET.REC.358/12.01.001/2025-26 December 11, 2025 Reserve Bank of India (Local Area Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

RBI/2025-26/151 DOR.RET.REC.357/12.01.001/2025-26 December 11, 2025 Reserve Bank of India (Regional Rural Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

RBI/2025-26/150 DOR.RET.REC.356/12.01.001/2025-26 December 11, 2025 Reserve Bank of India (Payments Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

RBI/2025-26/149 DOR.RET.REC.355/12.01.001/2025-26 December 11, 2025 Reserve Bank of India (Small Finance Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

RBI/2025-26/148 DOR.RET.REC.354/12.01.001/2025-26 December 11, 2025 Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

RBI/2025-26/147 DOR.CRE.REC.353/07-02-006/2025-26 December 11, 2025 Reserve Bank of India (Rural Co-operative Banks – Credit Risk Management) – Amendment Directions, 2025

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

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

RBI/2025-26/134 DoR.RET.REC.341/12.01.001/2025-26 December 05, 2025 All banks, Madam / Sir, Penal Interest on shortfall in CRR and SLR requirements - Change in Bank Rate Please refer to our circular DoR.RET.REC.22/12.01.001/2025-26 dated June 06, 2025 on the captioned subject.

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/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.

RBI/2025-26/100 DOR.RRC.REC.302/33-01-010/2025-26 November 28, 2025 Consolidation of Regulations – Withdrawal of circulars Please refer to the press release issued on November 28, 2025 announcing the release of 244 Master Directions consolidating the instructions currently administered by the Department of Regulation (DoR) of the Reserve Bank of India.

RBI/2025-26/97 DOR. AML.REC. 61 /14.06.001/2025-26 November 14, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Delisting of 02 Entries Please refer to paragraph 51 of the RBI Master Direction on Know Your Customer dated February 25, 2016 as amended on August 14, 2025 (MD on KYC), in terms of which “Regulated Entities (REs) shall ensure that in terms of Section 51A of the Unlawful Activities (Prevention) (UAPA) Act, 1967 and amendments thereto, they do not have any account in the name of individuals/entities appearing in the lists of individuals and entities, suspected of having terrorist links, which are approved by and periodically circulated by the United Nations Security Council (UNSC).”

RBI/2025-26/96 DOR.STR.REC.60/21.04.048/2025-26 November 14, 2025 Reserve Bank of India (Trade Relief Measures) Directions, 2025 Chapter I: Preliminary Preamble 1. Reserve Bank is statutorily mandated to operate the credit system of the country to its advantage. In this endeavour, and with a view to mitigating the burden of debt servicing brought about by trade disruptions caused by global headwinds and to ensure the continuity of viable businesses, Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, issues these Directions hereinafter specified.

RBI/2024-25/95 DOR.MCS.REC.59/01.01.003/2025-26 October 28, 2025 Reserve Bank of India (Nomination Facility in Deposit Accounts, Safe Deposit Lockers and Articles kept in Safe Custody with the Banks) Directions, 2025 I. Introduction The nomination facility is intended to facilitate expeditious settlement of claims by banks upon death of a deceased customer and to minimise hardship faced by the family members. The Government of India

RBI/2025-26/94 DOR. AML.REC. 58 /14.06.001/2025-26 October 24, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments to 01 Entry

RBI/2025-26/93 DOR. AML.REC. 57/14.06.001/2025-26 October 23, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments to 01 Entry

RBI/2025-26/92 DOR.AML.REC.56/14.06.001/2025-26 October 09, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendment of 02 Entries

RBI/2025-26/76 DOR.AML.REC.48/14.06.001/2025-26 August 25, 2025 The Chairpersons/CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments to 05 Entries Please refer to paragraph 51 of the RBI Master Direction on Know Your Customer dated February 25, 2016 as amended on August 14, 2025 (MD on KYC), in terms of which “Regulated Entities (REs) shall ensure that in terms of Section 51A of the Unlawful Activities (Prevention) (UAPA) Act, 1967 and amendments thereto, they do not have any account in the name of individuals / entities appearing in the lists of individual

RBI/2025-26/75 DOR.AML.REC.46 /14.01.001/2025-26 August 14, 2025 Reserve Bank of India (Know Your Customer (KYC)) (2nd Amendment) Directions, 2025 Reserve Bank had issued Reserve Bank of India (Know Your Customer (KYC)) Directions, 2016 (hereinafter referred to as Master Direction) in compliance of the provisions of the PML Act, 2002 and the Rules made thereunder. There is a need to further amend the same based on a review of the extant instructions.

RBI/2025-26/67 DoR.RET.REC.40/12.07.160/2025-26 July 17, 2025 All Banks, Madam / Sir, Inclusion of “NSDL Payments Bank Limited” in the Second Schedule of the Reserve Bank of India Act, 1934

RBI/2025-26/61 DOR.LIC.REC.36/16.13.218/2025-26 June 20, 2025 All Small Finance Banks Madam/ Dear Sir, Review of Priority Sector Lending norms - Small Finance Banks Please refer to the ‘Guidelines for Licensing of Small Finance Banks in Private Sector’ dated November 27, 2014 and the ‘Guidelines for ‘on-tap’ Licensing of Small Finance Banks in Private Sector’ released by Reserve Bank on December 5, 2019. In terms of paragraph II (9) of the aforesaid Licensing Guidelines, a small finance bank (SFB) is required to extend 75 per cent of its Adjusted Net Bank Credit (ANBC) to the sectors eligible for classification as priority sector lending (PSL) by the Reserve Bank. Further, while 40 per cent of its ANBC should be allocated to different sub-sectors under PSL as per the extant PSL prescriptions, the bank can allocate the balance 35 per cent to any one or more sub-sectors under the PSL where it has competitive advantage.

RBI/2025-26/60 DOR. AML.REC. 35 /14.06.001/2025-26 June 19, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Addition of 01 Entry

RBI/2025-26/58 DOR.AML.REC.33/14.06.001/2025-26 June 16, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Removal of 01 Entry

RBI/2025-26/ DoR.RET.REC.22 /12.01.001/2025-26 June 06, 2025 All banks, Madam / Sir, Penal Interest on shortfall in CRR and SLR requirements - Change in Bank Rate Please refer to Chapter VIII of Master Direction - Reserve Bank of India [Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)] Directions – 2021 as well as our circular DoR.RET.REC.16/12.01.001/2025-26 dated April 09, 2025 on the captioned subject.

RBI/2025-26/41 DoR.RET.REC.21/12.07.160/2025-26 May 27, 2025 All Banks, Madam / Sir, Inclusion of “The Vishweshwar Sahakari Bank Ltd., Pune” in the Second Schedule of the Reserve Bank of India Act, 1934 It is advised that “The Vishweshwar Sahakari Bank Ltd., Pune” has been included in the Second Schedule of the Reserve Bank of India Act, 1934 vide Notification DoR.REG./LIC.No.S75/08.27.300/2025-26 dated April 07, 2025 and published in the Gazette of India (Part III - Section 4) dated May 09, 2025. Yours faithfully, (Manoranjan Padhy) Chief General Manager

RBI/2025-26/34 DIT.CO.No.S-106/07.71.039/2025-26 April 28, 2025 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Cooperative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) All Primary Dealers All Non-bank Payment System Operators (PSOs) All Credit Information Companies (CICs) Madam / Dear Sir, Processing of Regulatory Authorisations/ Licenses/ Approvals through PRAVAAH

RBI/2025-26/28 CO.DIT.DCD.No.S81/01-71-110/2025-26 April 22, 2025 All Commercial Banks All Primary (Urban) Co-operative Banks All State Co-operative Banks and District Central Co-operative Banks Dear Sir/Madam, Circular - Migration to '.bank.in' domain

RBI/2025-26/21 DOR.CO.SOG(Leg) No.15/09.08.024/2025-26 April 8, 2025 All Scheduled Commercial Banks All Co-operative Banks Madam / Dear Sir Review of Regulatory Guidelines– Withdrawal of Circulars

RBI/2025-26/16 DOR.CRE.REC. No.12/08.12.001/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular -– Housing Finance Please refer to the Master Circular DOR.CRE.REC.No.07/08.12.001/2024-25 dated April 02, 2024 consolidating the instructions / guidelines issued to banks till April 01, 2024 relating to Housing Finance. Attached is the revised Master C

RBI/2025-26/10 DOR.MRG.No.4/21.04.141/2025-26 April 1, 2025 Madam / Sir, Reserve Bank of India (Classification, Valuation and Operation of the Investment Portfolio of Commercial Banks) Directions, 2023

RBI/2024-25/132 DoR.AUT.REC.71/23.67.001/2024-25 March 25, 2025 Madam/Dear Sir Gold Monetization Scheme (GMS), 2015 – Amendment Government of India, vide its press release ID 2115009 dated March 25, 2025 regarding Gold Monetization Scheme (GMS) has decided to discontinue the Medium Term and Long Term Government Deposit (MLTGD) components of GMS with effect from March 26, 2025.

RBI/2024-2025/126 DOR.ACC.REC.No.66/21.04.018/2024-25 March 20, 2025 Madam / Sir, Reserve Bank of India (Financial Statements - Presentation and Disclosures) Directions, 2021: Clarifications

RBI/2024-25/123 DOR. AML.REC.65/14.06.001/2024-25 March 15, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 12 Entries

RBI/2024-25/121 DOR. AML.REC.64/14.06.001/2024-25 February 27, 2025 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 01 Entry

RBI/2024-25/104 Ref.No.DoS.CO.PPG/SEC.13/11.01.005/2024-25 January 17, 2025 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs) All Primary (Urban) Co-operative Banks All Deposit Taking NBFCs (Excluding HFCs) [Supervised Entities (SEs)] Madam / Dear Sir

RBI/2024-25/92 DOR. AML.REC.50 /14.06.001/2024-25 December 04, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 03 Entries

RBI/2024-25/91 DoS.CO.PPG.SEC.12/11.01.005/2024-25 December 02, 2024 The Chairman / Managing Director / Chief Executive Officer All Commercial Banks (excluding Regional Rural banks) Madam / Dear Sir, Inoperative Accounts / Unclaimed Deposits in banks

RBI/2024-2025/87 DOR.AML.REC. 49 /14.01.001/2024-25 November 06, 2024 All the Regulated Entities Dear Sir/Madam, Amendment to the Master Direction - Know Your Customer (KYC) Direction, 2016

RBI/2024-25/84 DOR.AML.REC.48/14.06.001/2024-25 October 19, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Designation of one organisation under Section 35(1) (a) and 2(1) (m) of the Unlawful Activities (Prevention) Act,1967 and its listing in the First Schedule of the Act- Reg.

RBI/2024-25/81 DoR.FIN.REC. 47/20.16.042/2024-25 October 10, 2024 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, and excluding Payments Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks All Non-Banking Financial Companies (including Housing Finance Companies) All Asset Reconstruction Companies All Credit Information Companies Dear Sir/ Madam, Implementation of Credit Information Reporting Mechanism subsequent to cancellation of licence or Certificate of Registration The Credit Information Companies (Regulation) Act, 2005 (CICRA) stipulates that only Credit Institutions (CIs) can furnish credit information to Credit Information Companies (CICs). Section 17(1) of CICRA mandates that CICs can collect credit information from its member CIs or member CICs only. Therefore, only the entities that are covered under the ambit of section 2(f) of CICRA, 2005 can submit credit information to CICs.

RBI/2024-25/77 DoS.CO.PPG.SEC.10/11.01.005/2024-25 September 30, 2024 All Commercial Banks (including Small Finance Banks but excluding Regional Rural Banks and Payments Banks) All Primary (Urban) Co-operative Banks All Non-Banking Financial Companies Madam / Dear Sir, Gold loans - Irregular practices observed in grant of loans against pledge of gold ornaments and jewellery

RBI/2024-25/75 DOR.AML.REC.43/14.06.001/2024-25 September 19, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 12A of the Weapons of Mass Destruction and their Delivery Systems (Prohibition of Unlawful Activities) Act, 2005: Designated List (Amendments) Please refer to Section 52 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on January 04, 2024 (MD on KYC), in terms of which, inter alia, “Regulated Entities (REs) shall ensure meticulous compliance with the “Procedure for Implementation of Section 12A of the Weapons of Mass Destruction (WMD) and their Delivery Systems (Prohibition of Unlawful Activities) Act, 2005” laid down in terms of Section 12A of the WMD Act, 2005 vide Order dated September 01, 2023, by the Ministry of Finance, Government of India (Annex III of the Master Direction on Know Your Customer).”

Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on January 04 , 2024 (MD on KYC), in terms of which “Regulated Entities (REs) shall ensure that in terms of Section 51A of the Unlawful Activities (Prevention) (UAPA) Act, 1967 and amendments thereto, they do not have any account in the name of individuals/entities appearing in the lists of individuals and entities, suspected of having terrorist links, which are approved by and periodically circulated by the United Nations Security Council (UNSC).”

RBI/2024-25/69 DoR.RET.REC.40/12.07.160/2024-25 August 22, 2024 All Commercial and Co-operative Banks Madam / Dear Sir, Cessation of “Krung Thai Bank Public Company Limited” as a banking company within the meaning of sub section (2) of Section 36 (A) of the Banking Regulation Act, 1949 It is advised that the “Krung Thai Bank Public Company Limited” has ceased to be a banking company within the meaning of the Banking Regulation Act, 1949 vide Notification DoR.LIC.No.S1999/23.13.066/2024-25 dated July 3, 2024, which is published in the Gazette of India (Part III - Section 4) dated August 17 – August 23, 2023.

RBI/2024-25/68 DoR.RET.REC.39/12.07.160/2024-25 August 22, 2024 All Commercial and Co-operative Banks Madam / Dear Sir, Exclusion of “Krung Thai Bank Public Company Limited” from the Second Schedule of the Reserve Bank of India Act, 1934 It is advised that “Krung Thai Bank Public Company Limited” has been excluded from the Second Schedule of the Reserve Bank of India Act, 1934 vide Notification DoR.LIC.No.S1998/23.13.066/2024-25 dated July 3, 2024, which is published in the Gazette of India (Part III - Section 4) dated August 17- August 23, 2024.

RBI/2024-25/67 DoR.RET.REC.38/12.07.160/2024-25 August 22, 2024 All Commercial and Co-operative Banks Madam / Dear Sir, Exclusion of “Credit Suisse AG” from the Second Schedule of the Reserve Bank of India Act, 1934 It is advised that “Credit Suisse AG” has been excluded from the Second Schedule of the Reserve Bank of India Act, 1934 vide Notification DoR.LIC.No.S1373/23.03.025/2024-25 dated June 4, 2024, which is published in the Gazette of India (Part III - Section 4) dated August 17- August 23, 2024.

RBI/2024-25/66 DoR.RET.REC.37/12.07.160/2024-25 August 22, 2024 All Commercial and Co-operative Banks Madam / Dear Sir, Cessation of “Credit Suisse AG” as a banking company within the meaning of sub section (2) of Section 36 (A) of the Banking Regulation Act, 1949 It is advised that the “Credit Suisse AG” has ceased to be a banking company within the meaning of the Banking Regulation Act, 1949 vide Notification DoR.LIC.No. S1372/23.03.025/2024-25 dated June 4, 2024, which is published in the Gazette of India (Part III - Section 4) dated August 17 – August 23, 2024.

RBI/2024-25/65 DoR.RET.REC.36/12.07.160/2024-25 August 22, 2024 All Commercial and Co-operative Banks Madam / Dear Sir, Inclusion of “UBS AG” in the Second Schedule of the Reserve Bank of India Act, 1934 It is advised that “UBS AG” has been included in the Second Schedule of the Reserve Bank of India Act, 1934 vide Notification DoR.LIC.No.S1371/23.03.025/2024-25 dated June 4, 2024 and published in the Gazette of India (Part III - Section 4) dated August 17 - August 23, 2024.

RBI/2024-25/60 DoR.FIN.REC.No. 32/ 20.16.056/ 2024-25 August 08, 2024 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, and excluding Payments Banks) All Primary (Urban) Co-operative Banks/State Co-operative Banks/ Central Co-operative Banks All-India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID) All Non-Banking Financial Companies (including Housing Finance Companies) All Asset Reconstruction Companies All Credit Information Companies Dear Sir/ Madam, Frequency of reporting of credit information by Credit Institutions to Credit Information Companies Please refer to the circular DBR. No. CID. BC. 60/ 20.16.056/ 2014-15 dated January 15, 2015, inter-alia, directing the credit information companies (CICs) and credit institutions (CIs) to keep the credit information collected/maintained by them updated regularly on a monthly basis or at such shorter intervals as mutually agreed upon between the CI and the CIC.

RBI/2024-25/51 DoS.CO.PPG/SEC.4/11.01.005/2024-25 July 12, 2024 All Scheduled Commercial Banks All Foreign Banks Madam / Dear Sir, Withdrawal of Circulars – Internal Review An internal review of circulars has been carried out to remove obsolete instructions and to rationalize and simplify the existing guidelines. 2. In this context, it has been decided to withdraw the circulars listed in the Annex with effect from close of business today. Yours faithfully, (Tarun Singh) Chief General Manager Encl: As above

All Commercial and Co-operative Banks
Madam / Dear Sir,Exclusion of “Nagar Urban Co-operative Bank Limited” from the Second Schedule of the Reserve Bank of India Act, 1934It is advised that “Nagar Urban Co-operative Bank Limited” has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 vide Notification DoR.REG/LIC.No.S8/08.27.159/2024-25 dated April 1, 2024, which is published in the Gazette of India (Part III - Section 4) dated May 14, 2024

RBI/2024-25/38
DOR.RET.REC.23/12.07.160/2024-25

May 24, 2024

All Banks

Madam / Dear Sir,

Exclusion of "Fincare Small Finance Bank Limited" from the Second Schedule to the Reserve Bank of India Act, 1934 and cessation as a banking company

It is informed that "Fincare Small Finance Bank Limited" has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 with effect from April 01, 2024, as the bank has ceased to carry on banking business with effect from April 01, 2024 vide Notification DOR.HOL.No.S173/16-02-003/2024-25 dated April 08, 2024, which is published in the Gazette of India (Part III - Section 4) dated May 14, 2024

DoS.CO.PPG.SEC.2/11.01.005/2024-25 May 21, 2024 All Scheduled Commercial Banks All Primary (Urban) Cooperative Banks Madam / Dear Sir, Internal Review – Interim Recommendations – Withdrawal of Circulars

RBI/2024-25/30 DoS.CO.PPG.SEC.1/11.01.005/2024-25 April 29, 2024 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) excluding Payments Banks All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ District Central Co-operative Banks All Non-Banking Financial Companies (including Microfinance Institutions and Housing Finance Companies) Madam / Dear Sir, Fair Practices Code for Lenders – Charging of Interest The guidelines on Fair Practices Code issued to various Regulated Entities (REs) since 2003, inter-alia, advocate fairness and transparency in charging of interest by the lenders, while providing adequate freedom to REs as regards their loan pricing policy. 

RBI/2024-25/29 DOR. AML.REC.19/14.06.001/2024-25 April 26, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 01 Entry Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on January 04 , 2024 (MD on KYC), in terms of which “Regulated Entities (REs) shall ensure that in terms of Section 51A of the Unlawful Activities (Prevention) (UAPA) Act, 1967 and amendments thereto, they do not have any account in the name of individuals/entities appearing in the lists of individuals and entities, suspected of having terrorist links, which are approved by and periodically circulated by the United Nations Security Council (UNSC).” 

RBI/2024-25/
DOR.RET.REC. 18 /12.07.160/2024-25     April 25, 2024 All Commercial and Co-operative Banks Madam / Dear Sir, Alteration in the name of "AB Bank Limited" to "AB Bank PLC" in the Second Schedule to the Reserve Bank of India Act, 1934

It is advised that the name of "AB Bank Limited" has been changed to "AB Bank PLC" in the Second Schedule to the Reserve Bank of India Act, 1934 by Notification DOR.LIC.No.S6222/23.13.048/2023-24 dated January 25, 2024, which is published in the Gazette of India (Part III-Section 4) dated March 06, 2024.

RBI/2024-25/21 DOR. AML.REC.14 /14.06.001/2024-25 April 16, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 12A of the Weapons of Mass Destruction and their Delivery Systems (Prohibition of Unlawful Activities) Act, 2005: Designated List (Amendments)

RBI/2024-25/16 DoR.RET.REC.12/12.01.001/2024-25 April 15, 2024 The Chairperson / CEOs of all Commercial Banks Madam / Dear Sir, CIMS Project Implementation - Submission of Statutory Returns (Form A, Form VIII and Form IX) on CIMS Portal In terms of Para 29 of the Master Direction - Reserve Bank of India [Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)] Directions - 2021 (Updated as on September 25, 2023), banks submit the statutory Form A, Form VIII and Form IX (on unclaimed deposits) Returns in electronic form on the eXtensible Business Reporting Language (XBRL) Portal.

RBI/2024-25/15 DOR.RET.REC.11/12.07.160/2024-25 April 10, 2024 All Commercial and Co-operative Banks Madam / Dear Sir, Alteration in the name of "Sonali Bank Limited" to "Sonali Bank PLC" in the Second Schedule to the Reserve Bank of India Act, 1934

RBI/2024-25/14 DOR.RET.REC.10/12.07.160/2024-25 April 05, 2024 All Commercial and Co-operative Banks Madam / Dear Sir,

Reserve Bank of India is entrusted with regulating the currency and credit system of the country to its advantage so as to maintain stability of the financial system. To this end, Reserve Bank prescribes necessary regulatory framework for its Regulated Entities (REs). With the growth of the REs in terms of number as well as scale of operations, increase in adoption of innovative technologies and enhanced customer outreach, a need is felt to develop better industry standards for self-regulation.

RBI/2023-24/134 DOR. AML.REC.83/14.06.001/2023-24 March 11, 2024 The Chairpersons/ CEOs of all the Regulated Entities

RBI/2023-24/133 DOR. AML. REC. 82/14.06.001/2023-24 March 08, 2024 The Chairpersons / CEOs of all the Regulated Entities Madam / Dear Sir,Designation of an individual under clause (a) of Sub-section (1) and Sub-section (2) of Section 35 of the Unlawful Activities (Prevention) Act (UAPA), 1967 and listing in the Fourth Schedule of the Act- Reg.