RBI Policy Guidelines
Stay updated with the latest Reserve Bank of India regulatory guidelines, compliance requirements, and AI-interpreted bank operational implications.
Master Circular – Basel III Capital Regulations (Updated 2025-2026)
Consolidates capital adequacy standards. Includes October 2025 amendments on Perpetual Debt Instruments (PDI) limiting AT1 capital in foreign/rupee bonds to 1.5% of RWA, and the July 2026 revised Pillar 3 risk disclosure directives.
Master Circular – Prudential Norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances
Consolidates regulatory guidelines governing NPA categorization (Sub-standard, Doubtful, Loss status), ECL expected loss framework provisions, restructuring protocols, and mandatory risk provisioning percentages on stressed loans.
Master Directions – Priority Sector Lending (PSL) – Targets and Classification (Amended 2026)
Prescribes revised targets (40% of ANBC). Includes the January 2026 amendments refining CEOBSE computing, excluding FCNR(B) deposits from the ANBC denominator, and classifying NCDC cooperative on-lending under priority credit.
Master Directions – Digital Lending: Regulatory Framework & Disclosures (Updated 2025)
Governs digital disbursals. Mandates direct funds transfer between RE and borrower accounts (bypassing LSP escrows), key fact statements (KFS) upfront, and caps Default Loss Guarantee (DLG) at 5%.
Master Directions – Fair Lending Practice: Penal Charges in Loan Accounts (Updated 2025)
Prohibits capitalization or compounding of penal interest. Levies must be non-compounding penal charges based strictly on breaches of material terms, and clearly disclosed upfront in Key Fact Statements.
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