RBI/2024-25/107 DOR.FIN.REC.No.58/03.10.136/2024-25 January 29, 2025 All Housing Finance Companies (HFCs) Dear Sir/ Madam, Private Placement of Non-Convertible Debentures (NCDs) with maturity period of more than one year by HFCs – Review of guidelines Please refer to Chapter XI of Master Direction – Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 wherein guidelines on private placement of NCDs by HFCs have been prescribed.

RBI/2024-25/106 DoR.SIG.FIN.REC. 56/26.03.001/2024-25 January 20, 2025 All Asset Reconstruction Companies (ARCs) Dear Sir/ Madam, Guidelines on Settlement of Dues of borrowers by ARCs Please refer to paragraph 15 of the Master Direction – Reserve Bank of India (Asset Reconstruction Companies) Directions, 2024 dated April 15, 2024 which prescribes guidelines on settlement of dues payable by the borrowers of the ARCs. On a review, it has been decided to revise these guidelines and the amended paragraph 15 of the Master Direction ibid is provided in the Annex.

RBI/2024-25/105
CEPD.CO.OBD.No.S1270/50-01-001/2024-25

January 17, 2025

Chairman/Managing Director/CEOs
All Commercial Banks (including Regional Rural Banks, Small Finance Banks, Payment Banks, and Local Area Banks)
All Primary (Urban) Co-operative Banks, State Co-operative Banks, District Central Co-operative Banks
All Prepaid Payment Instrument Issuers
All Non-Banking Financial Companies (including Housing Finance Companies)
All Credit Information Companies
All Payment Aggregators
All Payment Systems Participants & Payment System Providers

RBI/2024-25/104 Ref.No.DoS.CO.PPG/SEC.13/11.01.005/2024-25 January 17, 2025 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs) All Primary (Urban) Co-operative Banks All Deposit Taking NBFCs (Excluding HFCs) [Supervised Entities (SEs)] Madam / Dear Sir

Notification No. FEMA 395(3)/2025-RB January 14, 2025 Foreign Exchange Management (Mode of Payment and Reporting of Non- Debt Instruments) (Third Amendment) Regulations, 2025 In exercise of the powers conferred by Section 47 of the Foreign Exchange Management Act, 1999 (42 of 1999), the Reserve Bank of India hereby makes the following amendments to the Foreign Exchange Management (Mode of Payment and Reporting of Non-Debt Instruments) Regulations, 2019 [Notification No. FEMA.395/2019-RB dated October 17, 2019] (hereinafter referred to as 'the Principal Regulations)

Notification No. FEMA 10(R)(5)/2025-RB January 14, 2025 Foreign Exchange Management (Foreign Currency Accounts by a person resident in India) (Fifth Amendment) Regulations, 2025 In exercise of the powers conferred by Section 9 and clause (e) of sub-section (2) of section 47 of the Foreign Exchange Management Act, 1999 (42 of 1999), the Reserve Bank of India makes the following amendments to the Foreign Exchange Management (Foreign Currency Accounts by a person resident in India) Regulations, 2015 [Notification No. FEMA 10(R)/2015-RB dated January 21, 2016] (hereinafter referred to as 'the principal regulations')

RESERVE BANK OF INDIA
FOREIGN EXCHANGE DEPARTMENT
CENTRAL OFFICE
Mumbai 400 001

Notification No. FEMA 5(R)(5)/2025-RB                                                                                               January   14, 2025

Foreign Exchange Management (Deposit) (Fifth Amendment) Regulations, 2025

RBI/2024-25/103 CO.DGBA.GBD.No.S770/42-01-029/2024-2025 January 03, 2025 All Agency Banks Madam/Dear Sir, Status of March 30, 2025 for Government transactions through integration with e-Kuber The ‘e-Kuber’ which is the Core Banking Solution platform of RBI for Government and other payments does not process any Government transactions on Global holidays (which are 26th January, 15th August, 2nd October, all 2nd and 4th Saturdays of a month and on all Sundays). It is observed that March 30, 2025 falls on a Sunday. The Office of Controller General of Accounts, Government of India has advised that in order to account for all the Government transactions relating to receipts and payments in the financial year 2024-25 itself, March 30, 2025 (Sunday) be marked as a working day for the Government transactions.

RBI/2024-25/102 FIDD.CO.LBS.BC.No.11/02.08.001/2024-25 January 02, 2025 The Chairman / Managing Director & Chief Executive Officer Lead Banks Concerned Madam/ Dear Sir, Formation of new district in the State of Nagaland – Assignment of Lead Bank Responsibility The Government of Nagaland has notified formation of a new district, viz., Meluri in the state of Nagaland vide Gazette Notification No.GAB-I/Adm-1/CREATION/21 dated November 02, 2024. Accordingly, it has been decided to designate the Lead Bank of the new district as below

RBI/2024-25/101 FMRD.DIRD.No.09/14.03.004/2024-25 January 01, 2025 To All eligible market participants Madam/Sir, Participation of NaBFID as an AIFI in financial markets

RBI/2024-25/100 DOR.STR.REC.54/21.04.048/2024-25 December 31, 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, Government Debt Relief Schemes (DRS)

RBI/2024-25/99 CO.DPSS.RPPD.No.S987/ 04.03.001/ 2024-25 December 30, 2024 The Chairman / Managing Director / Chief Executive Officer of Banks participating in RTGS and NEFT systems Dear Sir / Madam, Introduction of beneficiary bank account name look-up facility for Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT) Systems

RBI/2024-25/98
FMRD.FMD.No. 08/02.03.185/2024-25

December 27, 2024

To
All Authorised Dealer Category-I Banks
Madam/Sir,
Reporting Platform for transactions undertaken to hedge price risk of gold

RBI/2024-25/97 CO.DPSS.POLC.No.S972/02-14-006/2024-25 December 27, 2024 All Prepaid Payment Instrument Issuers (Banks and Non-banks), National Payments Corporation of India (NPCI) and System Participants Madam / Dear Sir, Unified Payments Interface (UPI) access for Prepaid Payment Instruments (PPIs) through third-party applications

RBI/2024-25/96 FIDD.CO.FSD.BC.No.10/05.05.010/2024-25 December 6, 2024 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Regional Rural Banks and Small Finance Banks) All State Co-operative Banks and District Central Co-operative Banks Madam/Sir, Credit Flow to Agriculture – Collateral free agricultural loans

RBI/2024-25/95 DoR.RET.REC.52/12.01.001/2024-25 December 06, 2024 All Banks Madam / Dear Sir, Maintenance of Cash Reserve Ratio (CRR)

RBI/2024-25/94 DoR.SPE.REC.No.51/13.03.00/2024-2025 December 06, 2024 All Scheduled Commercial Banks (including Regional Rural Banks) All Small Finance Banks All Local Area Banks All Payments Banks All Primary (Urban) Co-operative Banks/ DCCBs /State Cooperative Banks Madam / Sir, Interest Rates on Foreign Currency (Non-resident) Accounts (Banks) [FCNR(B)] Deposits Please refer to paragraph 2 of the Statement on Developmental and Regulatory Policies issued as a part of theBi-monthly Monetary Policy Statement for 2024-25 dated December 06, 2024 read with instructions regarding interest rates on FCNR(B) deposits contained in Section 19 of the Master Direction (MD) on Interest Rate on Deposits dated March 03, 2016 and Section 18 of the Master Direction on Co-operative Banks - Interest Rate on Deposits dated May 12, 2016, as amended from time to time.

RBI/2024-25/93 CO.DPSS.POLC.No.S908/02-14-003/2024-25 December 04, 2024 The Chairman / Managing Director / Chief Executive Officer Authorised Payment System Operators and Participants (Banks and Non-banks) Madam / Dear Sir, Amendment to Framework for Facilitating Small Value Digital Payments in Offline Mode

RBI/2024-25/92 DOR. AML.REC.50 /14.06.001/2024-25 December 04, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 03 Entries

RBI/2024-25/91 DoS.CO.PPG.SEC.12/11.01.005/2024-25 December 02, 2024 The Chairman / Managing Director / Chief Executive Officer All Commercial Banks (excluding Regional Rural banks) Madam / Dear Sir, Inoperative Accounts / Unclaimed Deposits in banks