Regulating Co-operative Banking

In pursuance of the announcement made in the Statement on Developmental and Regulatory Policies dated December 08, 2023, the Reserve Bank of India (RBI) has today issued the draft regulatory framework, for public comments, on lending to related parties by various regulated entities (REs), as enumerated below: i. Reserve Bank of India (Commercial Banks – Lending to Related Parties) Directions, 2025 ii. Reserve Bank of India (Small Finance Banks – Lending to Related Parties) Directions, 2025 iii. Reserve Bank of India (Regional Rural Banks – Lending to Related Parties) Directions, 2025 iv. Reserve Bank of India (Local Area Banks – Lending to Related Parties) Directions, 2025 v. Reserve Bank of India (Urban Co-operative Banks – Lending to Related Parties) Directions, 2025

Analysis of the performance under the Citizen’s Charter during the month of September 2025 has been carried out and the summary thereof is given below –

Reserve Bank of India (RBI) has today issued Reserve Bank of India (Investments in Non-SLR instruments by State / Central Co-operative Banks) Directions, 2025.

The Reserve Bank of India issued Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 to Shree Mahalaxmi Urban Co-operative Credit Bank Ltd., Gokak vide Directive No. CO.DOS.SED.No.S4800/12-23-151/2024-2025 dated September 26, 2024, for a period of six months up to close of business on March 27, 2025 as modified from time to time, which were extended upto June 27, 2025 vide Directive No. DOR.MON/D-110/12.23.151/2024-25 dated March 25, 2025 and further extended upto September 27, 2025 vide Directive No. DOR.MON/D-16/12.23.151/2025-26 dated June 24, 2025. The Reserve Bank of India is satisfied that in the public interest, it is necessary to further extend the period of operation of the Directive beyond close of business on September 27, 2025.

The Reserve Bank of India, vide directive CO.DOS.SED.No.S8240/12-22-493/2022-2023 dated March 09, 2023, had placed Pune Sahakari Bank Ltd., Shivajinagar, Pune, Maharashtra under Directions from the close of business on March 10, 2023, for a period of six months. The validity of the directions was extended from time-to-time, the last being up to close of business on September 10, 2025.

The Reserve Bank of India issued Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 to National Mercantile Co-operative Bank Ltd., Lucknow vide Directive No. LKO.DOS.SED.No.S875/10-03-759/2022-2023 dated March 09, 2023, for a period of six months up to close of business on September 10, 2023, as modified from time to time, which were last extended up to close of business on September 10, 2025 vide Directive DOR.MON/D-12/12-28-015/2025-2026 dated May 30, 2025. The Reserve Bank of India is satisfied that in the public interest, it is necessary to further extend the period of operation of the Directive beyond close of business on September 10, 2025

The Reserve Bank of India issued Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 to Sikar Urban Co-operative Bank Ltd., Sikar, Rajasthan vide Directive DCBS.CO.BSD-I/D-2/12.27.215/2018-19 dated October 26, 2018, for a period of six months up to May 09, 2019 as modified from time to time, which were last extended up to September 09, 2025 vide Directive DOR.MON/D-11/12.27.215/2025-26 dated May 29, 2025. The Reserve Bank of India is satisfied that in the public interest, it is necessary to further extend the period of operation of the Directive beyond September 09, 2025.

The Reserve Bank of India issued Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 to The Amanath Co-operative Bank Ltd., Bangalore vide Directive No. CO.DOS.SED.No.S1931/12.23.001/2024-2025 dated June 12, 2024 for a period of six months upto December 12, 2024, as modified from time to time, which were last extended upto September 12, 2025 vide Directive No. DOR.MON/D-14/12.23.001/2025-26 dated June 03, 2025. The Reserve Bank of India is satisfied that in the public interest, it is necessary to further extend the period of operation of the Directive beyond September 12, 2025.

A comprehensive review of the various services offered by Reserve Bank of India under Citizens’ Charter and Regulatory Approvals was undertaken and the revised Citizen’s Charter was released on July 1, 2025. 2. An analysis of the performance under

The Reserve Bank of India issued Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 to Sri Guru Raghavendra Sahakara Bank Niyamitha, Bengaluru, Karnataka vide Directive No. DOS.CO.UCB.BSD-III.D-2/12.23.283/2019-20 dated January 02, 2020, for a period of six months up to July 10, 2020, as modified from time to time, which were last extended up to the close of business on August 10, 2025 vide Directive No. DOR.MON/D-08/12.23.283/2025-26 dated May 6, 2025. The Reserve Bank of India is satisfied that in the public interest, it is necessary to further extend the period of operation of the Directive beyond August 10, 2025.