RBI/DOR/2025-26/376 DOR.FIN.REC.No.295/20-16-003/2025-26 November 28, 2025 Reserve Bank of India (Asset Reconstruction Companies – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025 Table of Contents Contents Chapter I - Preliminary 3 Chapter II - Reporting of Wilful Defaulters and Large Defaulters 4 Chapter III - Repeal and Other Provisions 7 Annex I - Format for submission of List of Large Defaulters 9 Annex II - Format for submission of data on cases of wilful default 12

RBI/DOR/2025-26/377 DOR.AML.REC.No.296/14.01.010/2025-26 November 28, 2025 Reserve Bank of India (Asset Reconstruction Companies – Know Your Customer) Directions, 2025 Table of Contents Chapter I – Preliminary 3 Chapter II – General 12 Chapter III – Customer Acceptance Policy 15 Chapter IV – Risk Management 17 Chapter V – Customer Identification Procedure (CIP) 18 Chapter VI – Customer Due Diligence (CDD) Procedure 19 Chapter VII – Record Management 39 Chapter VIII – Reporting Requirements to Financial Intelligence Unit – India 41 Chapter IX – Requirements/obligations under International Agreements - Communications from International Agencies 43 Chapter X – Other Instructions 47 Chapter XI – Repeal and Other Provisions 52 Annex - I 54 Annex - II 68

RBI/DOR/2025-26/378 DOR.FIN.REC.No.297/20.16.056/2025-26 November 28, 2025 Reserve Bank of India (Credit Information Companies) Directions, 2025 Table of Contents Chapter I - Preliminary 3 A. Short Title and Commencement 3 B. Applicability 3 C. Definitions 3 Chapter II – Role of the Board 5 Chapter III - Statutory Framework Governing CICs 6 Chapter IV - Investment in CICs 7 Chapter V - Credit Information Reporting and Dissemination 8 A. Membership of CICs 8 B. Submission of Data by CIs - Role of CICs 11 C. Credit Information dissemination 17 Chapter VI - Technical Working Group 23 A. Constitution of Technical Working Group 23 B. Standing Sub-Group of TWG 23 Chapter VII - Customer Service and Grievance Redressal 25 A. Strengthening of customer service 25 B. Miscellaneous Instructions 33 C. Reserve Bank- Integrated Ombudsman Scheme, 2021 34 Chapter VIII - Best Practices 35 Chapter IX - Repeal and Interpretations 37 Annex I 39 Annex III 71 Annex IV 73 Annex V 80 Annex VI 82 Annex VII 86 Annex VIII 89

RBI/DoR/2025-26/379 DoR.ORG.REC.No.298/21-04-158/2025-26 November 28, 2025 Reserve Bank of India (Credit Information Companies – Managing Risks in Outsourcing) Directions, 2025 Table of Contents CHAPTER I – PRELIMINARY 3 A. Short Title and Commencement 3 B. Applicability and Scope 3 C. Definitions 5 CHAPTER II – ROLE OF THE BOARD 8 A. Board-Approved Policy 8 B. Key Responsibilities 8 CHAPTER III – OUTSOURCING OF INFORMATION TECHNOLOGY (IT) SERVICES 9 A. Authorisation, Accountability, and Oversight 9 B. Governance Framework 10 B.1 Outsourcing Policy 10 B.2 Role of Senior Management 10 B.3 Role of IT Function 11 C. Risk Management 12 C.1 Risk Management Framework 12 C.2 Confidentiality and Security of Information 12 D. Outsourcing Process 13 D.1 Service Provider Evaluation 13 D.2 Outsourcing Agreement 15 D.3 Monitoring and Control of Outsourced Services 17 D.4 Inventory of Outsourced Services 19 D.5 Business Continuity and Management of Disaster Recovery Plan 19 D.6 Exit Strategy 19 D.7 Termination 20 E. Specific Outsourcing Arrangements 20 E.1 Outsourcing within a Group / Conglomerate 20 E.2 Offshore or Cross-Border outsourcing 21 E.3 Outsourcing of Security Operations Centre (SOC) 21 E.4 Usage of Cloud Computing Services 22 F. Redressal of Grievances related to Outsourced Services 27 CHAPTER IV – REPEAL AND OTHER PROVISIONS 28 A. Repeal and Saving 28 B. Application of other laws not barred 28 C. Interpretations 28

RBI/FMRD/2025-26/142 FMRD.DIRD.04/14.03.038/2025-26 November 11, 2025 To All participants in repo market Dear Sir/Madam Master Direction – Reserve Bank of India (Repurchase Transactions (Repo)) Directions, 2025 Please refer to the Repurchase Transactions (Repo) (Reserve Bank) Directions, 2018 dated July 24, 2018, as amended from time to time.