The RBI amends reporting and maintenance of CRR and SLR for small finance banks, revising fortnight definitions and mandating electronic submission from December 15, 2025.
The RBI amended fortnightly CRR and monthly SLR reporting for commercial banks, introducing a new calendar-based definition of fortnight and updated Form A and Form VIII returns.
The RBI amends CC, OD, and current account rules to strengthen credit discipline and enhance monitoring in rural co-operative banks.
The amendment introduces a detailed framework for managing CC, current, and OD accounts, strengthening credit monitoring and fund-flow discipline.
Funds in collection accounts must be remitted to designated accounts within two working days, limiting cash outflows. The measure enhances liquidity management and ensures effective tracking of borrower funds.
RBI’s Amendment Directions, 2025 strengthen credit discipline and monitoring for cash credit, current, and overdraft accounts. Key takeaway: banks must manage accounts based on borrower exposure to mitigate credit risk.
The amendment directs payments banks to enforce account usage limits, monitor transactions biannually, and prevent pass-through or unauthorized activities, effective April 2026.
The RBI’s 2025 amendment revises account maintenance rules for Small Finance Banks to ensure stricter monitoring of CC, Current, and OD accounts. Banks must flag accounts, monitor usage, and prevent fund diversion to maintain credit discipline.
Banks must implement robust monitoring systems, flag high-risk accounts, and regularly review compliance. Accounts violating usage restrictions must be converted or closed within three months. This ensures transparency and effective tracking of fund utilization.
The 2025 amendment introduces the term “ineligible director” and prescribes a drawing-of-lots method for board reconstitution, clarifying removal and succession procedures in co-operative banks.
