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Master Directions

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 The existing set of Master Circulars issued on various subjects will stand withdrawn with the issue of the Master Direction on the subject.

Urban Co-operative Banks
Nov 28, 2025
Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Guidelines, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Guidelines, 2025
Reserve Bank of India (Urban Co-operative Banks – Voluntary Amalgamation) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Voluntary Amalgamation) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Digital Banking Channels Authorisation) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Digital Banking Channels Authorisation) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Undertaking of Financial Services) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Undertaking of Financial Services) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Governance) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Governance) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Interest Rate on Deposits) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Interest Rate on Deposits) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Credit Facilities) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Credit Facilities) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Credit Information Reporting) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Credit Information Reporting) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Credit Risk Management) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Credit Risk Management) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Concentration Risk Management) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Concentration Risk Management) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Transfer and Distribution of Credit Risk) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Transfer and Distribution of Credit Risk) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Interest Rates on Advances) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Interest Rates on Advances) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Asset Liability Management) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Asset Liability Management) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Resolution of Stressed Assets) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Resolution of Stressed Assets) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Financial Statements: Presentation and Disclosures) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Financial Statements: Presentation and Disclosures) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Declaration of Dividends) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Declaration of Dividends) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Know Your Customer) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Know Your Customer) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Responsible Business Conduct) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Responsible Business Conduct) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Managing Risks in Outsourcing) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Managing Risks in Outsourcing) Directions, 2025
Reserve Bank of India (Urban Co-operative Banks – Miscellaneous) Directions, 2025PDF - Reserve Bank of India (Urban Co-operative Banks – Miscellaneous) Directions, 2025


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