The RBI mandates clear procedures for identifying wilful and large defaulters, reporting them, and enforcing penalties, ensuring accountability and transparency in lending practices.
RBI issues comprehensive 2025 guidelines for commercial banks, standardizing credit product design and delivery. The Directions ensure financial stability and depositor protection.
RBI mandates updated prudential norms for commercial banks to strengthen capital buffers and ensure financial stability across the banking sector.
The RBI has introduced comprehensive KYC Directions for payments banks to enhance AML and CFT compliance. The guidelines align operations with FATF standards and mandate stricter customer verification.
The Directions overhaul how RRBs classify, value, and operate their investment portfolios across HTM, AFS, and HFT categories. The key takeaway is tighter governance, uniform valuation standards, and stronger risk controls for investment management.
The Directions introduce a four-layer regulatory structure for NBFCs based on size, activity, and risk. The key takeaway is proportionate regulation, with higher compliance burdens for systemically important entities.
RBI’s 2025 Directions set eligibility, technology, and compliance standards for RRBs offering digital banking services, ensuring secure and customer-friendly operations.
The RBI mandates uniform credit information reporting, data accuracy, and fortnightly updates by local area banks to improve transparency and risk assessment.
Explains RBI’s 2025 framework linking dividend eligibility to CRAR, NNPA ratios, and stricter Board oversight. Key takeaway: Payments Banks must meet prudential norms before distributing profits.
RBI has directed Regional Rural Banks to prevent excessive interest rates by adopting Board-approved policies that ensure fair pricing and borrower protection. The key takeaway is tighter governance over lending rates despite deregulation.
