RBI issues clear guidelines for identifying wilful and large defaulters to ensure transparency and prevent misuse of bank credit. Banks must report defaults and monitor fund usage to strengthen accountability.
RBI mandates early recognition, monitoring, and resolution of stressed assets by banks, including compromise settlements, technical write-offs, and structured restructuring plans to ensure timely recovery.
RBI mandates uniform reporting formats, fortnightly data updates, and SHG member reporting for Small Finance Banks to improve credit information accuracy and consumer protection.
RBI mandates clear policies for interest on savings, term, and foreign currency deposits, ensuring transparency, fairness, and board-approved uniformity across commercial banks.
RBI has notified new Directions governing miscellaneous regulatory and operational aspects of RRBs. Certain provisions also apply to sponsor banks, reinforcing shared oversight. The key takeaway is immediate, mandatory compliance across the rural banking framework.
RBI introduces comprehensive 2025 Directions revising CRR and SLR norms for Small Finance Banks, including phased CRR rates, clarified NDTL rules, and updated eligible assets. The framework strengthens liquidity discipline and regulatory reporting.
The rules require realistic repayment schedules, timely renewals, strict monitoring of working capital accounts and mandatory stock audits for large NPAs. The strengthened IRACP norms aim to reduce slippages and ensure sound risk management across the banking sector.
RBI has issued new Directions consolidating customer service and fair conduct norms for RRBs. The rules take effect immediately and aim to strengthen ethical banking practices. The key takeaway is mandatory adherence to unified conduct standards.
RBI’s 2025 Directions overhaul how banks set, benchmark, and reset interest rates on advances. The framework mandates transparent pricing, external benchmarks for key loan categories, and uniform rules for spreads and rate resets.
RBI establishes comprehensive securitisation rules for commercial banks, detailing definitions, asset eligibility, risk assessment, and reporting obligations. The framework ensures prudent risk distribution and market transparency.
