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Master Directions
The Reserve Bank of India has started issuing Master Directions on all regulatory matters beginning January 2016. The Master Directions consolidate instructions on rules and regulations framed by the Reserve Bank under various Acts including banking issues and foreign exchange transactions.
The process of issuing Master Directions involves issuing one Master Direction for each subject matter covering all instructions on that subject. Any change in the rules, regulation or policy is communicated during the year by way of circulars/press releases. The Master Directions will be updated suitably and simultaneously whenever there is a change in the rules/regulations or there is a change in the policy. All the changes will get reflected in the Master Directions available on the RBI website along with the dates on which changes are made.
Explanations of rules and regulations will be issued by way of Frequently Asked Questions (FAQs) after issue of the Master Directions in easy to understand language wherever necessary. The existing set of Master Circulars issued on various subjects will stand withdrawn with the issue of the Master Direction on the subject.
Master Directions
RBI/DOR/2025-26/268 DoR.SOG(SPE).REC.No.187/13-04-001/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Miscellaneous) 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 A. Board Approved Policies 5 B. Reviews by the Board 5 Chapter III – Depositor Education and Awareness Fund 6 A. Definitions 6 B. Credits to the Fund 6 C. Refunds and Interest 7 D. Registration Guidelines 9 E. Procedural Guidelines for Transfer and Claim 10 F. Returns 13 G. Disclosure in Notes to Accounts 15 H. Audit 15 I. Preservation of Records 15 J. Furnishing of Information 16 K. Contact Details 16 L. Interpretation of the Provisions of the Scheme 16 Chapter IV – Services and Market Operations 16 A. Camps and Campaigns for Periodic Updation of KYC 16 Chapter V – Regulatory Compliance and Legal Matters 18 A. Legal Compliance 18 B. Court Directives 18 C. Inter-Governmental Agreement (IGA) with United States of America (US) under Foreign Accounts Tax Compliance Act (FATCA) - Registration 19 Chapter VI – Financial Conduct and Prohibited Activities 20 A. Prohibition on Acceptance of Deposits at the Instance of Private Financiers / Unincorporated Bodies 20 B. Prohibition on Association with Prize Chit Schemes and Sale of Lottery Tickets 20 Chapter VII – Taxation and Accounting Related Matters 22 A. Demand for Information by Income Tax Authorities 22 Chapter VIII – Human Resource and Capacity Building 23 A. Training and Awareness 23 B. Certifications 25 Chapter IX – Operational and Administrative Matters 26 A. Mandatory Leaves 26 B. Business Continuity Planning (BCP) 26 C. Statement of Immovable Property 28 Chapter X – Repeal Provisions 29 A. Repeal and Saving 29 B. Application of Other Laws not Barred 29 C. Interpretations 30 Annex I 31 Annex II 32 Annex III 34 Annex IV 35 Annex V 36 Annex VI 38 Annex VII 40 Annex VIII 43 Annex IX 45 Annex X 46 In exercise of the powers conferred by Section 26A and Section 35A of the Banking Regulation Act, 1949, and all other provisions / laws enabling the Reserve Bank of India (‘RBI’) in this regard, RBI being satisfied that it is necessary and expedient in the public interest so to do, hereby issues the Directions hereinafter specified
RBI/DOR/2025-26/268 DoR.SOG(SPE).REC.No.187/13-04-001/2025-26 November 28, 2025 Reserve Bank of India (Regional Rural Banks – Miscellaneous) 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 A. Board Approved Policies 5 B. Reviews by the Board 5 Chapter III – Depositor Education and Awareness Fund 6 A. Definitions 6 B. Credits to the Fund 6 C. Refunds and Interest 7 D. Registration Guidelines 9 E. Procedural Guidelines for Transfer and Claim 10 F. Returns 13 G. Disclosure in Notes to Accounts 15 H. Audit 15 I. Preservation of Records 15 J. Furnishing of Information 16 K. Contact Details 16 L. Interpretation of the Provisions of the Scheme 16 Chapter IV – Services and Market Operations 16 A. Camps and Campaigns for Periodic Updation of KYC 16 Chapter V – Regulatory Compliance and Legal Matters 18 A. Legal Compliance 18 B. Court Directives 18 C. Inter-Governmental Agreement (IGA) with United States of America (US) under Foreign Accounts Tax Compliance Act (FATCA) - Registration 19 Chapter VI – Financial Conduct and Prohibited Activities 20 A. Prohibition on Acceptance of Deposits at the Instance of Private Financiers / Unincorporated Bodies 20 B. Prohibition on Association with Prize Chit Schemes and Sale of Lottery Tickets 20 Chapter VII – Taxation and Accounting Related Matters 22 A. Demand for Information by Income Tax Authorities 22 Chapter VIII – Human Resource and Capacity Building 23 A. Training and Awareness 23 B. Certifications 25 Chapter IX – Operational and Administrative Matters 26 A. Mandatory Leaves 26 B. Business Continuity Planning (BCP) 26 C. Statement of Immovable Property 28 Chapter X – Repeal Provisions 29 A. Repeal and Saving 29 B. Application of Other Laws not Barred 29 C. Interpretations 30 Annex I 31 Annex II 32 Annex III 34 Annex IV 35 Annex V 36 Annex VI 38 Annex VII 40 Annex VIII 43 Annex IX 45 Annex X 46 In exercise of the powers conferred by Section 26A and Section 35A of the Banking Regulation Act, 1949, and all other provisions / laws enabling the Reserve Bank of India (‘RBI’) in this regard, RBI being satisfied that it is necessary and expedient in the public interest so to do, hereby issues the Directions hereinafter specified
PDF (RBI/DOR/2025-26/269 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Guidelines, 2025
RBI/DOR/2025-26/269 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Guidelines, 2025
RBI/DoR/2025-26/270 DoR.HOL.REC.189/16-13-100/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Voluntary Amalgamation) Directions, 2025
RBI/DoR/2025-26/270 DoR.HOL.REC.189/16-13-100/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Voluntary Amalgamation) Directions, 2025
RBI/DoR/2025-26/270 DoR.HOL.REC.189/16-13-100/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Voluntary Amalgamation) Directions, 2025
RBI/DoR/2025-26/270 DoR.HOL.REC.189/16-13-100/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Voluntary Amalgamation) Directions, 2025
RBI/DOR/2025-26/385 DOR.RAUG.AUT.REC.308/24.01.041/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Digital Banking Channels Authorisation) Directions, 2025 Table of Contents Chapter I – Preliminary 2 Chapter II – Prudential Requirements 4 Chapter III – Guidelines on Technological Issues in Digital Banking 6 Chapter IV – General Guidelines 7 Chapter V – Exemptions, Repeal and Other Provisions 10
RBI/DOR/2025-26/385 DOR.RAUG.AUT.REC.308/24.01.041/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Digital Banking Channels Authorisation) Directions, 2025 Table of Contents Chapter I – Preliminary 2 Chapter II – Prudential Requirements 4 Chapter III – Guidelines on Technological Issues in Digital Banking 6 Chapter IV – General Guidelines 7 Chapter V – Exemptions, Repeal and Other Provisions 10
RBI/DoR/2025-26/272 DoR.AUT.REC.No.191/24-01-041/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Undertaking of Financial Services) Directions, 2025
RBI/DoR/2025-26/272 DoR.AUT.REC.No.191/24-01-041/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Undertaking of Financial Services) Directions, 2025
RBI/DOR/2025-26/273 DOR.GOV.REC.No.192/18-10-014/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Governance) Directions
RBI/DOR/2025-26/273 DOR.GOV.REC.No.192/18-10-014/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Governance) Directions
RBI/DOR/2025-26/274 DOR.RET.REC.193/12-01-001/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 Table of Contents
RBI/DOR/2025-26/274 DOR.RET.REC.193/12-01-001/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 Table of Contents
RBI/DOR/2025-26/275 DOR.CAP.REC.194/09-18-201/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Prudential Norms on Capital Adequacy) Directions, 2025
RBI/DOR/2025-26/275 DOR.CAP.REC.194/09-18-201/2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks - Prudential Norms on Capital Adequacy) Directions, 2025
RBI/DOR/2025-26/276 DOR.SOG(SPE).REC.195/13.03.00/ 2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Interest Rate on Deposits) Directions, 2025
RBI/DOR/2025-26/276 DOR.SOG(SPE).REC.195/13.03.00/ 2025-26 November 28, 2025 Reserve Bank of India (Urban Co-operative Banks – Interest Rate on Deposits) Directions, 2025
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