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.
RBI’s 2025 Directions define strict income recognition, asset classification, and provisioning norms for small finance banks, ensuring transparency and prudent lending practices.
The RBI has issued comprehensive 2025 Directions standardising CRR and SLR requirements for UCBs. The key takeaway is tighter liquidity compliance with clearer definitions, reporting norms, and penalties.
