RBI introduces new 2025 Directions to identify and manage wilful defaulters, ensuring transparent procedures, accountability, and restrictions on future credit for non-repaying borrowers.
The Directions lay down a unified framework for RRBs to market mutual funds, distribute insurance, and undertake merchant acquiring, with strict governance and customer protection norms.
The RBI mandates clear procedures for identifying wilful and large defaulters, reporting them, and enforcing penalties, ensuring accountability and transparency in lending practices.
RBI mandates updated prudential norms for commercial banks to strengthen capital buffers and ensure financial stability across the banking sector.
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.
The RBI issues comprehensive guidelines for issuance, conduct, and co-branding of debit cards by Local Area Banks, ensuring transparency, consent, and grievance redressal for customers.
The regulator introduced a consolidated framework strengthening board oversight, audit committees, market conduct, and regulatory compliance for AIFIs, with immediate effect.
The Directions impose Board-level accountability, strict due diligence, and audit rights for material IT outsourcing. AIFIs must strengthen cyber security, data protection, and exit planning under a unified framework.
The 2025 directions overhaul credit risk governance, imposing stricter policies, exposure-based account rules, and enhanced monitoring to strengthen stability in rural banking.
