RBI Policy Guidelines
Stay updated with the latest Reserve Bank of India regulatory guidelines, compliance requirements, and AI-interpreted bank operational implications.
Relief Measures in Areas Affected by Natural Calamities – Reporting & Restructuring Protocols via CIMS
Mandates revised operational guidelines for restructuring agricultural, MSME, and retail loan facilities affected by natural calamities. Introduces moratorium flexibilities up to 24 months, asset classification protection, and mandatory submission of the half-yearly calamity relief return via the RBI Centralised Information Management System (CIMS).
Income Recognition, Asset Classification and Provisioning (IRACP – Second Amendment) Directions, 2026
Introduces landmark regulatory norms for Specified Non-Financial Assets (SNFA) effective October 1, 2026. Reinforces time-bound resolution milestones for stressed accounts under consortium and multiple banking arrangements, standardizes impairment triggers, and mandates enhanced ECL provisioning disclosures for commercial lenders.
Master Direction – Reserve Bank of India (Credit Derivatives) Directions, 2026
Comprehensive regulatory overhaul governing Credit Default Swaps (CDS) for Indian financial institutions. Specifies eligible reference entities, capital adequacy requirements for CDS market makers, risk-weight calculations, and prudent governance boundaries for synthetic securitization by scheduled commercial banks.
Master Circular – Basel III Capital Regulations (Consolidated for FY 2026-27)
Consolidates Basel III capital adequacy standards for scheduled commercial banks for FY 2026-27. Enforces an 11.50% minimum CRAR (including 2.50% Capital Conservation Buffer), updated limits on Additional Tier 1 Perpetual Debt Instruments (PDI) capped at 1.5% of RWA, and expanded Pillar 3 public disclosure directives.
Master Direction – Reserve Bank of India (Unique Identifiers in Financial Markets) Directions, 2026
Mandates the 20-digit Legal Entity Identifier (LEI) for all non-individual borrowers with aggregate credit exposure of ₹5 crore and above from the banking system. Directs scheduled banks to capture LEI in NeSL Digital Document Execution (DDE) workflows and CIMS statutory returns before sanction or renewal.
Master Directions – Priority Sector Lending (PSL) – Targets and Classification (Amended 2026)
Prescribes revised PSL targets (40% of ANBC) with amended calculation guidelines: excludes FCNR(B) deposits from the ANBC denominator, refines CEOBSE computing, and updates priority credit eligibility limits for MSME manufacturing, cooperative on-lending, and agricultural infrastructure.
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