RBI/2025-26/36 DOR.STR.REC.19/21.07.001/2025-26 May 8, 2025 Reserve Bank of India (Digital Lending) Directions, 2025

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/2024-2025/128 DOR.CAP.REC.No.68/21.01.002/2024-25 March 21, 2025 Dear Sir/Madam, Treatment of Right-of-Use (ROU) Asset for Regulatory Capital Purposes

RBI/2024-25/116 DOR.MRG.REC.60/00-00-017/2024-25 February 17, 2025 Madam / Dear Sir, Reserve Bank of India (Prudential Regulations on Basel III Capital Framework, Exposure Norms, Significant Investments, Classification, Valuation and Operation of Investment Portfolio Norms and Resource Raising Norms for All India Financial Institutions) Directions, 2023 - Amendment Please refer to paragraph 34.2 of the Reserve Bank of India (Prudential Regulations on Basel III Capital Framework, Exposure Norms, Significant Investments, Classification, Valuation and Operation of Investment Portfolio Norms and Resource Raising Norms for All India Financial Institutions) Directions, 2023 issued on September 21, 2023.

RBI/2024-25/107 DOR.FIN.REC.No.58/03.10.136/2024-25 January 29, 2025 All Housing Finance Companies (HFCs) Dear Sir/ Madam, Private Placement of Non-Convertible Debentures (NCDs) with maturity period of more than one year by HFCs – Review of guidelines Please refer to Chapter XI of Master Direction – Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 wherein guidelines on private placement of NCDs by HFCs have been prescribed.

RBI/2024-25/106 DoR.SIG.FIN.REC. 56/26.03.001/2024-25 January 20, 2025 All Asset Reconstruction Companies (ARCs) Dear Sir/ Madam, Guidelines on Settlement of Dues of borrowers by ARCs Please refer to paragraph 15 of the Master Direction – Reserve Bank of India (Asset Reconstruction Companies) Directions, 2024 dated April 15, 2024 which prescribes guidelines on settlement of dues payable by the borrowers of the ARCs. On a review, it has been decided to revise these guidelines and the amended paragraph 15 of the Master Direction ibid is provided in the Annex.

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/2024-25/100 DOR.STR.REC.54/21.04.048/2024-25 December 31, 2024 All Commercial Banks (including Regional Rural Banks and Local Area Banks) All Primary (Urban) Co-operative Banks All State Cooperative Banks & Central Cooperative Banks All Non-Banking Financial Companies (including Housing Finance Companies) All All-India Financial Institutions Madam/Dear Sir, Government Debt Relief Schemes (DRS)

RBI/2024-25/82 DoR.FIN.REC.No. 46/26.03.001/2024-25 October 10, 2024 All Asset Reconstruction Companies (ARCs) Dear Sir/ Madam, Submission of information to Credit Information Companies (CICs) by ARCs

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.