Regulating Non-Banking

RBI/2025-26/.. DOR.CRE.REC…./03.10.001/2025-26 DD-MM-YY Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Amendment Directions, 2025 - Draft for Comments

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

DoR.FIN.REC.No. XXX/20.16.056/2025-26 September 29, 2025 Reserve Bank of India (Credit Information Reporting) (1st Amendment) Directions, 2025 - DRAFT The Reserve Bank had issued Reserve Bank of India (Credit Information Reporting) Directions, 2025 (hereinafter referred to as Master Direction) 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/2025-26/__ DOR.CRE.REC.__/21.01.003/2025-26 DD-MM-YY Guidelines on Management of Intragroup Transactions and Exposures (Amendment Circular), 2025 Please refer to Guidelines on Management of Intra-Group Transactions and Exposures (hereinafter referred to as the “ITE Circular”) dated February 11, 2014.

RBI/2025-26/__ DOR.CRE.REC.__/21.01.003/2025-26 DD-MM-YY Large Exposures Framework (Amendment Circular), 2025 Please refer to Large Exposures Framework dated June 3, 2019 (hereinafter referred to as the “LEF circular”) and Large Exposures Framework – Credit Risk Mitigation (CRM) for offsetting – non-centrally cleared derivative transactions of foreign bank branches in India with their Head Office dated September 9, 2021 (hereinafter referred to as the “LEF-CRM circular”).

RBI/2025-26/  DOR.CRE.REC. /23.67.001/2025-26 DD-MM-YY Reserve Bank of India (Gold Metal Loans) Directions, 2025 A. Introduction 1. The Gold Metal Loan (GML) scheme was launched in 1998 as per Export Import Policy 1997-2002 and the Hand Book of Procedures of the Exim Policy to address the need of working capital finance of the jewellery industry. Over time, the scope of the GML scheme has been broadened to cater to the changing business requirement of the jewellery industry. Prudential and conduct related guidelines have subsequently been issued to ensure that lenders manage the risks inherent in extending gold metal to borrowers as well as in sourcing the gold.

RBI/2025-26/ DoR.MCS.REC. /01.01.003/2025-26 August xx, 2025 Reserve Bank of India (Settlement of Claims in respect of Deceased Customers of Banks) Directions, 2025

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.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

DRAFT CIRCULAR RBI/2024-25/ DoR.MCS.REC. /01.01.001/2024-25 XXXXXX XX, 2025 All Scheduled Commercial Banks (excluding Payments Banks) All Local Area Banks All Primary (Urban) Co-operative Banks All State Co-operative Banks and Central Co-operative Banks All NBFCs (including HFCs) All India Financial Institutions (AIFIs) Madam/ Dear Sir

Please refer to paragraph 91.7 of Master Direction – Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Directions, 2023 dated October 19, 2023 as per which Government owned NBFCs set up to serve specific sectors are permitted to approach the Reserve Bank for exemptions, if any, from credit/investment concentration norms. 

Please refer to our circular DOR.NBFC (HFC).CC.No.118/03.10.136/2020-21 dated October 22, 2020, issued after examination of inputs received on the draft regulatory framework for HFCs, which was placed in public domain on June 17, 2020.  Reference is invited to para 4 of the above circular advising that further harmonisation between the regulations of HFCs and NBFCs will be taken up in a phased manner in the next two years so as to ensure that the transition is achieved with least disruption.   

DRAFT CIRCULAR FOR COMMENTS RBI/2023-24/ DoR.MCS.REC./01.01.001/2023-24 April 12, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, excluding Payments Banks) All Primary (Urban) Co-operative BanksAll NBFCs (including HFCs) andAll India Financial Institutions (EXIM Bank, NABARD, NHB, SIDBI and NaBFID) Dear Sir / Madam, Fair Lending Practice - Penal Charges in Loan Accounts Reserve Bank has issued various guidelines to

RBI/2022-23/xx DoS.CO.CSITEG/SEC.xx/31.01.015/2022-23 June 23, 2022 The Chairman/Managing Director/Chief Executive Officer Scheduled Commercial Banks (excluding Regional Rural Banks); Local Area Banks; Small Finance Banks; Payments Banks; Primary (Urban) Co-operative Banks having asset size of ₹1000 crore and above; Non-Banking Financial Companies in Top, Upper and Middle Layers; Credit Information Companies; and All India Financial Institutions (NHB, NABARD, SIDBI, E

Draft Circular All Non-Banking Financial Companies (NBFCs) Madam / Dear Sir, Declaration of Dividend by NBFCs In order to infuse greater transparency and uniformity in practice, it has been decided to prescribe guidelines on distribution of dividend by NBFCs. NBFCs may declare dividend, subject to compliance with the guidelines laid down below: 2. Eligibility criteria for declaration of dividend Only those NBFCs, which comply with the following minimum prudential requ

(i) Applications for loans and their processing (a) Loan application forms should include necessary information which affects the interest of the borrower, so that a meaningful comparison with the terms and conditions offered by other NBFCs can be made and informed decision can be taken by the borrower. (b) The NBFCs should devise a system of giving acknowledgement for receipt of all loan applications. Preferably, the time frame within which loan applications will be