Regulating Commercial Banking

RBI/2025-26/204 DoR.CO.SOG(Leg) No. 401/09.08.024/2025-26 February 03, 2026 All Agency Banks Madam / Dear Sir All Agency Banks to remain open for public on March 31, 2026 (Tuesday)

RBI/2025-26/199 DOR.RET.REC.396/12.01.001/2025-26 January 22, 2026 Reserve Bank of India (Payments Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2026 Please refer to Reserve Bank of India (Payments Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 dated November 28, 2025.

RBI/2025-26/198 DOR.RET.REC.395/12.01.001/2025-26  January 22, 2026 Reserve Bank of India (Small Finance Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2026

RBI/2025-26/197 DOR.RET.REC.394/12.01.001/2025-26 January 22, 2026 Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2026

RBI/2025-26/189 DOR.STR.REC.390/21-01-002/2025-26 January 09, 2026 Reserve Bank of India (Commercial Banks- Prudential Norms on Capital Adequacy) Amendment Directions, 2026

RBI/2025-26/182 DOR.CRE.REC.383/21.04.018/2025-26 January 05, 2026 Reserve Bank of India (Small Finance Banks – Financial Statements: Presentation and Disclosures) – Amendment Directions, 2026

RBI/2025-26/181 DOR.CRE.REC.382/21.04.018/2025-26 January 05, 2026 Reserve Bank of India (Commercial Banks – Financial Statements: Presentation and Disclosures) – Second Amendment Directions, 2026

Reserve Bank of India (All India Financial Institutions – Credit Risk Management) – Amendment Directions, 2026 Please refer to Reserve Bank of India (All India Financial Institutions - Credit Risk Management) Directions, 2025 (hereinafter referred to as ‘the Directions’). 2. On a review, in exercise of the powers conferred by Section 45L of the Reserve Bank of India Act, 1934 and all other provisions / laws enabling the Reserve Bank of India (hereinafter called the Reserve Bank) in this regard, Reserve Bank being satisfied that it is necessary and expedient in the public interest so to do, hereby issues these Directions hereinafter specified.

Reserve Bank of India (Rural Co-operative Banks– Credit Risk Management) – Amendment Directions, 2026 Please refer to Reserve Bank of India (Rural Co-operative Banks – Credit Risk Management) Directions, 2025 (hereinafter referred to as ‘the Directions’). 2. On a review, in exercise of the powers conferred by the Sections 21 and 35A read with Section 56 of the Banking Regulation Act, 1949; and all other provisions / laws enabling the Reserve Bank of India (hereinafter called the Reserve Bank) in this regard, the Reserve Bank being satisfied that it is necessary and expedient in the public interest so to do, hereby issues the Amendment Directions hereinafter specified. 3. The Amendment Directions modifies the Directions as under:

RBI/2025-26/174 DOR.CRE.REC.375/07-02-002/2025-26 January 05, 2026 Reserve Bank of India (Small Finance Banks – Credit Risk Management) – Amendment Directions, 2026

RBI/2025-26/173 DOR.CRE.REC.374/07-02-001/2025-26 January 05, 2026 Reserve Bank of India (Commercial Banks – Credit Risk Management) – Amendment Directions, 2026

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