The Reserve Bank of India has issued the Urban Co-operative Banks – Miscellaneous Directions, 2025 to consolidate and operationalise certain regulatory provisions applicable to urban co-operative banks. Issued under Sections 26A and 35A read with Section 56 of the Banking Regulation Act, 1949, as amended in 2020, the Directions are aimed at strengthening regulatory oversight in the public interest. The framework applies uniformly to all Urban Co-operative Banks, defined as Primary Co-operative Banks, and comes into force with immediate effect. While termed “miscellaneous,” the Directions derive authority from enhanced statutory powers granted to the RBI and are intended to ensure regulatory clarity, consistency, and enforceability across the sector. The issuance reflects the RBI’s continued efforts to refine the supervisory framework for co-operative banks and reinforce compliance with evolving banking regulations.
RESERVE BANK OF INDIA
RBI/DoR/2025-26/294
DoR.SOG(SPE).REC.No.213/13-04-001/2025-26 | Dated: November 28, 2025
Reserve Bank of India (Urban Co-operative Banks – Miscellaneous) Directions
In exercise of powers conferred by Section 26A and Section 35A read with Section 56 of the Banking Regulation Act, 1949, as amended vide Banking Regulation (Amendment) Act 2020 (39 of 2020) and all other provisions / laws enabling the Reserve Bank of India (‘RBI’) in this regard, RBI being satisfied that it is necessary and expedient in the public interest so to do, hereby issues these Directions hereinafter specified.
Chapter I – Preliminary
A. Short Title and Commencement
1. These Directions shall be called the Reserve Bank of India (Urban Co-operative Banks – Miscellaneous) Directions, 2025.
2. These Directions shall come into force with immediate effect.
B. Applicability
3. These Directions shall be applicable to Urban Co-operative Banks (hereinafter collectively referred to as ‘banks’ and individually as a ‘bank’).
In this context, urban co-operative banks shall mean Primary Co-operative Banks as defined under section 5(ccv) read with Section 56 of Banking Regulation Act, 1949).
Read Full text of the Notification: https://rbidocs.rbi.org.in/rdocs/notification/PDFs/294MDA514F8EED7554D9F8B8DC461B55E4956.PDF
