The 2025 Directions overhaul how AIFIs extend credit, digital loans, and guarantees. The key takeaway is a unified, stricter framework focused on borrower protection, transparency, and financial stability.
The Directions overhaul classification, valuation, and governance of UCB investments. The key takeaway is tighter Board oversight, clearer MTM norms, and uniform risk controls.
RBI released updated CRR and SLR Directions for Local Area Banks, outlining new reserve ratios, eligible assets, and reporting requirements. The framework aims to strengthen liquidity discipline and ensure monetary stability.
The RBI lays down a self-contained framework governing loan transfers by Local Area Banks. The rules strictly limit activities to stressed loans and ensure real transfer of risk without credit enhancement.
RBI’s 2025 Directions provide a clear framework for payments banks merging with banks or NBFCs, detailing approvals, compliance, and shareholder rights.
The Directions lay down strict eligibility conditions and payout limits for dividends, linking distributions to capital adequacy and asset quality to safeguard financial stability.
The regulator mandates explicit consent, bans unsolicited cards and upgrades, and strengthens disclosures, billing, and closure timelines. The key takeaway is enhanced consumer protection with clear penalties for non-compliance.
The RBI mandates Small Finance Banks to assess climate risks and fund eligible green projects, enhancing transparency and preventing greenwashing.
RBI introduces a comprehensive framework governing issuance, conduct, security, and co-branding of debit cards by Payments Banks. The Directions strengthen customer protection, transparency, and operational discipline.
RBI introduces flexible on-tap licensing for Small Finance Banks to boost financial inclusion, regulate promoters, and ensure robust banking operations.
