The Directions held that rural co-operative banks must follow a structured approval and compliance framework before offering digital banking, especially for transactional services.
RBI’s 2025 Directions set out procedures for mergers of small finance banks, including board approval, shareholder consent, and submission of financial and governance documents for regulatory scrutiny.
The Directions mandate malus, clawback, deferral, and prohibitions on guaranteed bonuses to align pay with long-term risk outcomes. This ensures responsible remuneration practices that support prudent banking.
RBI mandates clear consent, choice of channels, accessibility, risk management, and protection against unauthorized transactions for digital banking users.
The new Directions lay down binding regulatory norms for HFCs to protect investors and depositors. They strengthen RBI’s supervisory control over the housing finance sector.
The regulator has issued fresh directions requiring transparent, board-approved lending rates and safeguards against usurious interest. Banks must disclose rate ranges and justify total borrowing costs.
The RBI introduces the 2025 Directions for opening and managing local area bank branches, emphasizing rural financial inclusion and strict regulatory compliance.
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.
Fresh directions mandate board-approved policies and graded exposure limits to reduce borrower, unit, and sector concentration risks. The key takeaway is stricter prudential control with immediate applicability.
