The RBI’s 2025 Directions mandate proper classification, valuation, and operation of Payments Banks’ investments, ensuring stronger portfolio governance and financial stability.
Explains the 2025 RBI directions consolidating rules on ethical practices, customer service, and fair treatment in Small Finance Banks.
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.
Explains the 2025 RBI directions mandating stricter customer identification and transaction monitoring to combat money laundering and terrorist financing.
The RBI introduces strict standards on risk retention, liquidity facilities, and accounting treatment for securitised assets. It restricts SFBs to acting only as originators and mandates stronger disclosure and governance norms. The move aims to curb implicit support and enhance prudential discipline.
RBI Directions promote diversified ownership and limit concentration of control. Detailed application, due diligence, and compliance reporting safeguard the banking sector from financial and governance risks.
RBI’s 2025 Directions establish a clear framework for voluntary amalgamation of UCBs, focusing on depositor protection, capital adequacy, and regulatory approval.
RBI introduces a comprehensive framework mandating uniform, transparent, and non-negotiable interest rates for Payments Banks. The Directions clarify rules for savings deposits, prohibit inducements, and repeal earlier guidelines.
RBI introduces flexible on-tap licensing for Small Finance Banks to boost financial inclusion, regulate promoters, and ensure robust banking operations.
Banks raising green deposits must comply with policies on project selection, fund allocation, and monitoring. Eligible projects include renewable energy, clean transport, energy efficiency, and biodiversity conservation.
