Regulating Co-operative Banking

RBI/2025-26/ DOR.MRG.REC.No. //2025-26 XX 2026 Reserve Bank of India (Rural Co-operative Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2026 Please refer to Annex I of the FMRD Master Direction No. 1/2016-17 - Master Direction - Risk Management and Inter-Bank Dealings and Chapter III of Reserve Bank of India (Rural Co-operative Banks - Prudential Norms on Capital Adequacy) Directions, 2025 which inter alia specify the capital requirement on foreign exchange and gold open positions. Upon a review and to ensure consistent implementation

RBI/2025-26/ DOR.MRG.REC.No. //2025-26 XX 2026 Reserve Bank of India (Rural Co-operative Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2026 Please refer to Annex I of the FMRD Master Direction No. 1/2016-17 - Master Direction - Risk Management and Inter-Bank Dealings and Chapter III of Reserve Bank of India (Rural Co-operative Banks - Prudential Norms on Capital Adequacy) Directions, 2025 which inter alia specify the capital requirement on foreign exchange and gold open positions. Upon a review and to ensure consistent implementation

RBI/2025-26/ DOR.MRG.REC.No. //2025-26 XX 2026 Reserve Bank of India (Local Area Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2026 Please refer to paragraph 29 of the Reserve Bank of India (Local Area Banks - Prudential Norms on Capital Adequacy) Directions, 2025

RBI/2025-26/ DOR.MRG.REC.No. //2025-26 XX 2026 Reserve Bank of India (Regional Rural Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2026 Please refer to Chapter III of the Reserve Bank of India (Regional Rural Banks - Prudential Norms on Capital Adequacy) Directions, 2025

DRAFT Reserve Bank of India (Rural Co-operative Banks - Governance) Amendment Directions, 2026 Please refer to Reserve Bank of India (Rural Co-operative Banks - Governance) Directions, 2025 (DOR.GOV.REC.No.217/18-10-015/2025-26) dated November 28, 2025. Chapter-II of these directions have provisions regarding the Constitution of Board.

Please refer to Reserve Bank of India (Urban Co-operative Banks - Governance) Directions, 2025 (DOR.GOV.REC.No.192/18-10-014/2025-26) dated November 28, 2025. Chapter-II of these directions have provisions regarding the Constitution of Board and Appointment of Directors

DRAFT FOR COMMENTS RBI/2025-26/-- DOR.ACC.REC.No./21.02.067/2025-26 xx, 2026 Reserve Bank of India (Regional Rural Banks – Prudential Norms on Declaration of Dividend) Directions, 2026 Table of Contents

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Rural Co-operative Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Urban Co-operative Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Local Area Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/XX DOR.CRE.REC.No…………../2025-26 DD-MM-YY Reserve Bank of India (Regional Rural Banks - Lending to Related Parties) Directions, 2025 – Draft for Comments

RBI/2025-26/xxx DOR.MCS.REC /01.01.003/2025-26 DD-MM-YY Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025 – Draft for Comments I. Introduction The Basic Savings Bank Deposit (BSBD) Account is a savings bank account which offers certain minimum facilities, free of charge, to the holders of such accounts with an objective of deepening financial inclusion. The ongoing digitalisation of the banking sector requires a BSBD account that is in sync with the customer’s evolving requirements. Accordingly, to provide affordable banking facilities to public and in the interest of better customer service and to drive enhanced usage of BSBD accounts, it has been decided to review the extant instructions and issue directions as below for BSBD accounts.

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Payments Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Current Accounts 3 F. Exemptions 4 G. Compliance Monitoring 4 H. Other Restrictions 5

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Rural Co-operative Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Transaction Accounts 3 F. Exemptions 4 G. Compliance Monitoring 5 H. Other Restrictions 6

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Urban Co-operative Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Transaction Accounts 3 F. Exemptions 4 G. Compliance Monitoring 5 H. Other Restrictions 6 I. Repeal Provisions 7 Annex 1 8

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Local Area Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Transaction Accounts 3 F. Exemptions 4 G. Compliance Monitoring 5 H. Other Restrictions 6

RBI/2025-26/<> DOR.CRE.REC.<>/21.08.008/2025-26 DD-MM-YY Reserve Bank of India (Regional Rural Banks – Transaction Accounts) Directions, 2025 – Draft for Comments Contents A. Introduction 2 B. Powers Exercised and Commencement 2 C. Scope 2 D. Definitions 2 E. Restrictions on Maintaining Transaction Accounts 3 F. Exemptions 4 G. Compliance Monitoring 5 H. Other Restrictions 6

RBI/2025-26/ DoR.MCS.REC. /01.01.003/2025-26 August xx, 2025 Reserve Bank of India (Settlement of Claims in respect of Deceased Customers of Banks) Directions, 2025

Draft Master Direction RBI/2025-26/ DOR.REG.No.XX/07.01.000/2025-26 July xx, 2025 Master Direction – Business Authorization for Co-operative Banks (Directions), 2025 In exercise of the powers conferred by Sections 23, 49B and 49C of the Banking Regulation Act, 1949 read with Section 56 thereof and Sections 42(6) and 42(6A) of Reserve Bank of India Act, 1934, the Reserve Bank of India (hereinafter called the Reserve Bank) being satisfied that it is necessary and expedient in the public interest to do so, hereby issues the Directions hereinafter specified.

Draft for Comments RBI/2025-26/xx DoR.RAUG.AUT.REC.Sxxxx/24.01.041/2025-26 July xx, 2025 Reserve Bank of India – Digital Banking Channels Authorisation Directions, 2025 In exercise of the powers conferred under Section 35A read with Section 56 of the Banking Regulation Act, 1949 (hereinafter called the Act), the Reserve Bank, being satisfied that it is necessary and expedient in the public interest to do so, hereby, issues the following directions.