The Reserve Bank of India had issued draft Master Directions on Digital Banking Channels Authorisation, 2025 on July 21, 2025, seeking feedback from banks and other stakeholders. The Reserve Bank has issued instructions from time-to-time governing internet and mobile banking services offered by various categories of banks. These services have evolved significantly since issue of the initial guidelines, as new and innovative digital channels have come into use. The objective of the Master Directions is to facilitate sustainable growth of digital banking services, by consolidating and updating the existing instructions on use of digital channels for providing banking services.

Feedback received on the draft has been examined and consequent modifications have been suitably incorporated in the final Directions. Statement on the feedback received for the draft Master Directions is provided in the Annex. The final instructions are being issued today.

(Brij Raj)               
Chief General Manager

Press Release: 2025-2026/1589