The regulator has overhauled the Account Aggregator framework for NBFCs, mandating explicit consent, real-time data sharing, and strong IT safeguards. The move strengthens customer data protection while standardising operations across the ecosystem.
Explains RBI’s 2025 Directions governing branch opening, digital banking units, business correspondents, and rural outreach. Highlights mandatory 25% URC coverage and strengthened Board oversight.
The Directions held that rural co-operative banks may offer specified financial services only within a structured framework of board oversight, capital strength, and regulatory compliance. The key takeaway is tighter governance while allowing calibrated business expansion.
The Directions held that rural co-operative banks must follow a structured approval and compliance framework before offering digital banking, especially for transactional services.
The RBI’s 2025 Directions restrict rural co-operative banks to selling only stressed loans. The key takeaway is tighter risk control to prevent balance-sheet arbitrage and hidden credit support.
Covers all procedural, governance, and shareholder-related requirements for voluntary amalgamations, including reporting through PRAVAAH portal and adherence to SEBI norms for listed entities.
The regulator issued comprehensive Directions governing loan transfers, stressed asset sales, and co-lending by NBFCs. The framework aims to improve transparency, risk discipline, and systemic stability.
RBI’s 2025 Directions overhaul debit card norms for rural co-operative banks, strengthening customer consent, blocking procedures, and grievance redressal to curb misuse.
The RBI consolidated all credit rules for rural co-operative banks in 2025, tightening digital lending, gold loans, microfinance and guarantees to improve transparency, borrower protection and risk management.
The Directions introduce early stress detection, strict governance, and time-bound resolution mechanisms. The key takeaway is faster recovery with reduced discretion and stronger Board oversight.
