Connect 2 Regulate

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Regional Rural Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Regional Rural Banks – Governance) Directions 2025 has been issued for public comments. Additional comments or any attachments may also be submitted by email at feedbackconsoldor@rbi.org.in. Last date for submission of comments is November 10, 2025.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Regional Rural Banks – Undertaking of Financial Services) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Regional Rural Banks – Branch Authorisation) Directions 2025 has been issued for public comments. Additional comments or any attachments may also be submitted by email at feedbackconsoldor@rbi.org.in. Last date for submission of comments is November 10, 2025

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Local Area Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Local Area Banks – Interest Rates on Advances) Directions 2025 has been issued for public comments.

With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Prudential Norms on Declaration of Dividends and Remittance of Profit) Directions 2025 has been issued for public comments.

The list of regulatory instructions that could be withdrawn / repealed, once the consolidated Master Directions are finalised, has been issued for public comments. 
Additional comments or any attachments may also be submitted by email at feedbackconsoldor@rbi.org.in.

The proposed Directions seek to replace the incurred-loss-based provisioning framework with an ECL based provisioning, subject to prudential floors. These are  expected to further strengthen credit risk management practices, promote greater comparability across financial institutions, and align regulatory norms with internationally accepted regulatory and accounting standards.

The proposed Directions seek to replace the incurred-loss-based provisioning framework with an ECL based provisioning, subject to prudential floors. These are  expected to further strengthen credit risk management practices, promote greater comparability across financial institutions, and align regulatory norms with internationally accepted regulatory and accounting standards.