DRAFT CIRCULAR FOR COMMENTS RBI/2024-25/ DOR.STR.REC. /21.04.048/2024-25  August 05, 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, Regulatory Principles for Management of Model Risks in Credit