The Directions overhaul capital adequacy, credit risk, and market risk requirements for standalone primary dealers. The key takeaway is a stricter, uniform prudential framework with enhanced supervision.
The Directions lay down mandatory policies, allocation norms, and oversight for green deposits and climate finance. The key takeaway is stricter governance, third-party verification, and impact reporting to curb greenwashing.
The Directions mandate malus, clawback, deferral, and prohibitions on guaranteed bonuses to align pay with long-term risk outcomes. This ensures responsible remuneration practices that support prudent banking.
RBI mandates clear consent, choice of channels, accessibility, risk management, and protection against unauthorized transactions for digital banking users.
The RBI introduces the 2025 Directions for opening and managing local area bank branches, emphasizing rural financial inclusion and strict regulatory compliance.
The RBI mandates comprehensive risk management and governance for payments banks’ outsourcing of financial and IT services. Banks must ensure board oversight, security, and customer grievance mechanisms.
The RBI has issued new directions on loan pricing for Local Area Banks, introducing benchmark-linked interest rates and standardised spreads. These rules aim to enhance transparency and protect borrowers.
The Directions lay down minimum pricing norms for fixed-rate loans and detailed rules for floating and hybrid loans. The decision balances bank flexibility with safeguards against under-pricing and unfair charges.
The RBI introduces strict standards on risk retention, liquidity facilities, and accounting treatment for securitised assets. It restricts SFBs to acting only as originators and mandates stronger disclosure and governance norms. The move aims to curb implicit support and enhance prudential discipline.
RBI Directions promote diversified ownership and limit concentration of control. Detailed application, due diligence, and compliance reporting safeguard the banking sector from financial and governance risks.
