The Reserve Bank of India has started issuing Master Directions on all regulatory matters beginning January 2016. The Master Directions consolidate instructions on rules and regulations framed by the Reserve Bank under various Acts including banking issues and foreign exchange transactions. The process of issuing Master Directions involves issuing one Master Direction for each subject matter covering all instructions on that subject. Any change in the rules, regulation or policy is communicated during the year by way of circulars/press releases. The Master Directions will be updated suitably and simultaneously whenever there is a change in the rules/regulations or there is a change in the policy. All the changes will get reflected in the Master Directions available on the RBI website along with the dates on which changes are made. Explanations of rules and regulations will be issued by way of Frequently Asked Questions (FAQs) after issue of the Master Directions in easy to understand language wherever necessary. The existing set of Master Circulars issued on various subjects will stand withdrawn with the issue of the Master Direction on the subject.

Commercial Banks
Nov 28, 2025
Reserve Bank of India (Universal Banks – Licensing) Guidelines, 2025	300 kb
Reserve Bank of India (Setting Up of Wholly Owned Subsidiaries by Foreign Banks) Guidelines, 2025	300 kb
Reserve Bank of India (Commercial Banks – Acquisition and Holding of Shares or Voting Rights) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Voluntary Amalgamation) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Branch Authorisation) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Digital Banking Channels Authorisation) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Governance) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Resource Raising Norms) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Credit Information Reporting) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Credit Risk Management) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Concentration Risk Management) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Transfer and Distribution of Credit Risk) Directions, 2025	499 kb
Reserve Bank of India (Commercial Banks – Securitisation Transactions) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Interest Rates on Advances) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Asset Liability Management) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Financial Statements: Presentation and Disclosures) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Prudential Norms on Declaration of Dividends and Remittance of Profit) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Managing Risks in Outsourcing) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Climate Finance and Management of Climate Change Risks) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Forthcoming Instructions) Directions, 2025	300 kb
Reserve Bank of India (Commercial Banks – Miscellaneous) Directions, 2025	300 kb