617 Reserve Bank of India - Master Directions

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 The existing set of Master Circulars issued on various subjects will stand withdrawn with the issue of the Master Direction on the subject.

Commercial Banks
Oct 07, 2026
Reserve Bank of India (Commercial Banks – Credit Valuation Adjustment Framework) Directions, 2026PDF Download 572 kb
Sep 21, 2026
Reserve Bank of India (Commercial Banks - Minimum Capital Requirements for Market Risk) Directions, 2026PDF Download 551 kb
Apr 27, 2026
Reserve Bank of India (Commercial Banks - Asset Classification, Provisioning and Income Recognition) Directions, 2026PDF Download 871 kb
Reserve Bank of India (Commercial Banks - Capital Charge for Credit Risk – Standardised Approach) Directions, 2026 (Effective from April 1, 2027)PDF Download 871 kb
Mar 10, 2026
Reserve Bank of India (Commercial Banks – Prudential Norms on Declaration of Dividend and Remittances of Profits) Directions, 2026PDF Download 442 kb
Nov 28, 2025
Reserve Bank of India (Universal Banks – Licensing) Guidelines, 2025PDF Download 558 kb
Reserve Bank of India (Setting Up of Wholly Owned Subsidiaries by Foreign Banks) Guidelines, 2025 (Updated as on April 1, 2026)PDF Download 301 kb
Reserve Bank of India (Commercial Banks – Acquisition and Holding of Shares or Voting Rights) Directions, 2025 (Updated as on October 1, 2026)PDF Download 396 kb
Reserve Bank of India (Commercial Banks – Voluntary Amalgamation) Directions, 2025PDF Download 305 kb
Reserve Bank of India (Commercial Banks - Branch Authorisation) Directions, 2025 (Updated as on October 01, 2026)PDF Download 640 kb
Reserve Bank of India (Commercial Banks – Digital Banking Channels Authorisation) Directions, 2025PDF Download 245 kb
Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) Directions, 2025 (Updated as on October 05, 2026)PDF Download 400 kb
Reserve Bank of India (Commercial Banks - Governance) Directions, 2025 (Updated as on October 01, 2026)PDF Download 649 kb
Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 (Updated as on October 09, 2026)PDF Download 567 kb
Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on October 07, 2026)PDF Download 1952 kb
Reserve Bank of India (Commercial Banks – Resource Raising Norms) Directions, 2025PDF Download 243 kb
Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Directions, 2025 (Updated as on October 01, 2026)PDF Download 387 kb
Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 (Updated as on October 1, 2026)PDF Download 1090 kb
Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 439 kb
Reserve Bank of India (Commercial Banks – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 860 kb
Reserve Bank of India (Commercial Banks – Credit Risk Management) Directions, 2025 (Updated as on October 01, 2026)PDF Download 522 kb
Reserve Bank of India (Commercial Banks - Concentration Risk Management) Directions, 2025 (Updated as on October 01, 2026)PDF Download 784 kb
Reserve Bank of India (Commercial Banks - Transfer and Distribution of Credit Risk) Directions, 2025 (Updated as on October 01, 2026)PDF Download 510 kb
Reserve Bank of India (Commercial Banks – Securitisation Transactions) Directions, 2025PDF Download 461 kb
Reserve Bank of India (Commercial Banks – Interest Rates on Advances) Directions, 2025PDF Download 318 kb
Reserve Bank of India (Commercial Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on October 01, 2026)PDF Download 843 kb
Reserve Bank of India (Commercial Banks – Asset Liability Management) Directions, 2025PDF Download 1817 kb
Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on October 01, 2026)PDF Download 477 kb
Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Directions, 2025 (updated as on October 1, 2026)PDF Download 617 kb
Reserve Bank of India (Commercial Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 467 kb
Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on July 01, 2026)PDF Download 1189 kb
Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on October 1, 2026)PDF Download 701 kb
Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 1119 kb
Reserve Bank of India (Commercial Banks – Managing Risks in Outsourcing) Directions, 2025PDF Download 410 kb
Reserve Bank of India (Commercial Banks - Climate Finance and Management of Climate Change Risks) Directions, 2025 (Updated as on October 01, 2026)PDF Download 317 kb
Reserve Bank of India (Commercial Banks – Forthcoming Instructions) Directions, 2025PDF Download 300 kb
Reserve Bank of India (Commercial Banks – Miscellaneous) Directions, 2025 (Updated as on October 01, 2026)PDF Download 1387 kb
Small Finance Banks
Mar 10, 2026
Reserve Bank of India (Small Finance Banks – Prudential Norms on Declaration of Dividend) Directions, 2026PDF Download 410 kb
Nov 28, 2025
Reserve Bank of India (Small Finance Banks – Licensing) Guidelines, 2025PDF Download 661 kb
Reserve Bank of India (Small Finance Banks – Acquisition and Holding of Shares or Voting Rights) Directions, 2025 (Updated as on October 1, 2026)PDF Download 406 kb
Reserve Bank of India (Small Finance Banks - Voluntary Amalgamation) Directions, 2025PDF Download 292 kb
Reserve Bank of India (Small Finance Banks - Branch Authorisation) Directions, 2025 (Updated as on October 01, 2026)PDF Download 629 kb
Reserve Bank of India (Small Finance Banks – Digital Banking Channels Authorisation) Directions, 2025PDF Download 224 kb
Reserve Bank of India (Small Finance Banks – Undertaking of Financial Services) Directions, 2025 (Updated as on October 05, 2026)PDF Download 291 kb
Reserve Bank of India (Small Finance Banks - Governance) Directions, 2025 (Updated as on October 01, 2026)PDF Download 596 kb
Reserve Bank of India (Small Finance Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 (Updated as on October 09, 2026)PDF Download 506 kb
Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on October 7, 2026)PDF Download 2045 kb
Reserve Bank of India (Small Finance Banks - Resource Raising Norms) Directions, 2025PDF Download 277 kb
Reserve Bank of India (Small Finance Banks – Interest Rate on Deposits) Directions, 2025 (Updated as on October 01, 2026)PDF Download 377 kb
Reserve Bank of India (Small Finance Banks – Credit Facilities) Directions, 2025 (Updated as on October 1, 2026)PDF Download 1036 kb
Reserve Bank of India (Small Finance Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 434 kb
Reserve Bank of India (Small Finance Banks – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 890 kb
Reserve Bank of India (Small Finance Banks – Credit Risk Management) Directions, 2025 (Updated as on October 01, 2026)PDF Download 448 kb
Reserve Bank of India (Small Finance Banks - Concentration Risk Management) Directions, 2025 (Updated as on October 01, 2026)PDF Download 382 kb
Reserve Bank of India (Small Finance Banks – Transfer and Distribution of Credit Risk) Directions, 2025 (Updated as on October 01, 2026)PDF Download 519 kb
Reserve Bank of India (Small Finance Banks – Securitisation Transactions) Directions, 2025PDF Download 421 kb
Reserve Bank of India (Small Finance Banks – Interest Rates on Advances) Directions, 2025PDF Download 335 kb
Reserve Bank of India (Small Finance Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on October 01, 2026)PDF Download 842 kb
Reserve Bank of India (Small Finance Banks – Asset Liability Management) Directions, 2025PDF Download 1712 kb
Reserve Bank of India (Small Finance Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on October 01, 2026)PDF Download 487 kb
Reserve Bank of India (Small Finance Banks – Resolution of Stressed Assets) Directions, 2025 (Updated as on October 01, 2026)PDF Download 544 kb
Reserve Bank of India (Small Finance Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 434 kb
Reserve Bank of India (Small Finance Banks - Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on July 01, 2026)PDF Download 1200 kb
Reserve Bank of India (Small Finance Banks – Know Your Customer) Directions, 2025 (Updated as on October 1, 2026)PDF Download 710 kb
Reserve Bank of India (Small Finance Banks – Responsible Business Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 1127 kb
Reserve Bank of India (Small Finance Banks – Managing Risks in Outsourcing) Directions, 2025PDF Download 413 kb
Reserve Bank of India (Small Finance Banks – Climate Finance and Management of Climate Change Risks) Directions, 2025 (Updated as on October 01, 2026)PDF Download 309 kb
Reserve Bank of India (Small Finance Banks – Miscellaneous) Directions, 2025 (Updated as on October 01, 2026)PDF Download 1393 kb
Payments Banks
Mar 10, 2026
Reserve Bank of India (Payments Banks – Prudential Norms on Declaration of Dividend) Directions, 2026PDF Download 404 kb
Nov 28, 2025
Reserve Bank of India (Payments Banks – Acquisition and Holding of Shares or Voting Rights) Directions, 2025 (Updated as on October 1, 2026)PDF Download 430 kb
Reserve Bank of India (Payments Banks – Voluntary Amalgamation) Directions, 2025PDF Download 292 kb
Reserve Bank of India (Payments Banks - Branch Authorisation) Directions, 2025 (Updated as on October 01, 2026)PDF Download 601 kb
Reserve Bank of India (Payments Banks – Digital Banking Channels Authorisation) Directions, 2025PDF Download 219 kb
Reserve Bank of India (Payments Banks – Undertaking of Financial Services) Directions, 2025 (Updated as on December 05, 2025)PDF Download 236 kb
Reserve Bank of India (Payments Banks - Governance) Directions, 2025 (Updated as on October 01, 2026)PDF Download 585 kb
Reserve Bank of India (Payments Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 (Updated as on October 09, 2026)PDF Download 566 kb
Reserve Bank of India (Payments Banks – Prudential Norms on Capital Adequacy) Directions, 2025 (updated as on October 7, 2026)PDF Download 960 kb
Reserve Bank of India (Payments Banks – Interest Rate on Deposits) Directions, 2025 (Updated as on October 01, 2026)PDF Download 279 kb
Reserve Bank of India (Payments Banks – Debit Cards: Issuance and Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 300 kb
Reserve Bank of India (Payments Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on October 01, 2026)PDF Download 809 kb
Reserve Bank of India (Payments Banks – Asset Liability Management) Directions, 2025PDF Download 1070 kb
Reserve Bank of India (Payments Banks – Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on April 1, 2026)PDF Download 838 kb
Reserve Bank of India (Payments Banks – Know Your Customer) Directions, 2025 (Updated as on October 1, 2026)PDF Download 709 kb
Reserve Bank of India (Payments Banks - Responsible Business Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 774 kb
Reserve Bank of India (Payments Banks – Managing Risks in Outsourcing) Directions, 2025PDF Download 300 kb
Reserve Bank of India (Payments Banks – Miscellaneous) Directions, 2025 (Updated as on October 01, 2026)PDF Download 1434 kb
Local Area Banks
Mar 10, 2026
Reserve Bank of India (Local Area Banks – Prudential Norms on Declaration of Dividend) Directions, 2026PDF Download 413 kb
Nov 28, 2025
Reserve Bank of India (Local Area Banks – Acquisition and Holding of Shares or Voting Rights) Directions, 2025 (Updated as on October 1, 2026)PDF Download 390 kb
Reserve Bank of India (Local Area Banks – Voluntary Amalgamation) Directions, 2025PDF Download 296 kb
Reserve Bank of India (Local Area Banks - Branch Authorisation) Directions, 2025 (Updated as on October 01, 2026)PDF Download 604 kb
Reserve Bank of India (Local Area Banks – Digital Banking Channels Authorisation) Directions, 2025PDF Download 247 kb
Reserve Bank of India (Local Area Banks - Governance) Directions, 2025 (Updated as on October 01, 2026)PDF Download 573 kb
Reserve Bank of India (Local Area Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 (Updated as on October 09, 2026)PDF Download 576 kb
Reserve Bank of India (Local Area Banks – Prudential Norms on Capital Adequacy) Directions, 2025PDF Download 793 kb
Reserve Bank of India (Local Area Banks – Interest Rate on Deposits) Directions, 2025 (Updated as on October 01, 2026)PDF Download 408 kb
Reserve Bank of India (Local Area Banks – Credit Facilities) Directions, 2025 (Updated as on April 01, 2026)PDF Download 512 kb
Reserve Bank of India (Local Area Banks – Debit Cards: Issuance and Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 284 kb
Reserve Bank of India (Local Area Banks – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 887 kb
Reserve Bank of India (Local Area Banks – Credit Risk Management) Directions, 2025 (Updated as on July 01, 2026)PDF Download 485 kb
Reserve Bank of India (Local Area Banks – Concentration Risk Management) Directions, 2025PDF Download 300 kb
Reserve Bank of India (Local Area Banks – Transfer and Distribution of Credit Risk) Directions, 2025 (Updated as on October 01, 2026)PDF Download 366 kb
Reserve Bank of India (Local Area Banks – Interest Rates on Advances) Directions, 2025PDF Download 327 kb
Reserve Bank of India (Local Area Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on October 01, 2026)PDF Download 840 kb
Reserve Bank of India (Local Area Banks – Asset Liability Management) Directions, 2025PDF Download 484 kb
Reserve Bank of India (Local Area Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on October 1, 2026)PDF Download 470 kb
Reserve Bank of India (Local Area Banks – Resolution of Stressed Assets) Directions, 2025 (Updated as on October 1, 2026)PDF Download 457 kb
Reserve Bank of India (Local Area Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 460 kb
Reserve Bank of India (Local Area Banks – Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on May 18, 2026)PDF Download 736 kb
Reserve Bank of India (Local Area Banks – Know Your Customer) Directions, 2025 (Updated as on October 1, 2026)PDF Download 709 kb
Reserve Bank of India (Local Area Banks - Responsible Business Conduct) Directions, 2025 (Updated as on October 1, 2026)PDF Download 785 kb
Reserve Bank of India (Local Area Banks – Managing Risks in Outsourcing) Directions, 2025PDF Download 337 kb
Reserve Bank of India (Local Area Banks – Miscellaneous) Directions, 2025 (Updated as on October 05, 2026)PDF Download 1433 kb
Regional Rural Banks
Mar 10, 2026
Reserve Bank of India (Regional Rural Banks – Prudential Norms on Declaration of Dividend) Directions, 2026PDF Download 405 kb
Nov 28, 2025
Reserve Bank of India (Regional Rural Banks – Branch Authorisation) Directions, 2025PDF Download 581 kb
Reserve Bank of India (Regional Rural Banks – Digital Banking Channels Authorisation) Directions, 2025PDF Download 239 kb
Reserve Bank of India (Regional Rural Banks – Undertaking of Financial Services) Directions, 2025 (Updated as on October 05, 2026)PDF Download 356 kb
Reserve Bank of India (Regional Rural Banks – Governance) Directions, 2025PDF Download 408 kb
Reserve Bank of India (Regional Rural Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 (Updated as on October 09, 2026)PDF Download 496 kb
Reserve Bank of India (Regional Rural Banks - Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on June 16, 2026)PDF Download 512 kb
Reserve Bank of India (Regional Rural Banks – Interest Rate on Deposits) Directions, 2025 (Updated as on October 01, 2026)PDF Download 367 kb
Reserve Bank of India (Regional Rural Banks – Credit Facilities) Directions, 2025 (Updated as on April 01, 2026)PDF Download 452 kb
Reserve Bank of India (Regional Rural Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025PDF Download 429 kb
Reserve Bank of India (Regional Rural Banks – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 876 kb
Reserve Bank of India (Regional Rural Banks – Credit Risk Management) Directions, 2025 (updated as on July 01, 2026)PDF Download 398 kb
Reserve Bank of India (Regional Rural Banks – Concentration Risk Management) Directions, 2025PDF Download 300 kb
Reserve Bank of India (Regional Rural Banks – Transfer and Distribution of Credit Risk) Directions, 2025PDF Download 383 kb
Reserve Bank of India (Regional Rural Banks – Interest Rates on Advances) Directions, 2025PDF Download 235 kb
Reserve Bank of India (Regional Rural Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on May 18, 2026)PDF Download 449 kb
Reserve Bank of India (Regional Rural Banks – Asset Liability Management) Directions, 2025PDF Download 453 kb
Reserve Bank of India (Regional Rural Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on October 01, 2026)PDF Download 347 kb
Reserve Bank of India (Regional Rural Banks – Resolution of Stressed Assets) Directions, 2025 (Updated as on October 01, 2026)PDF Download 513 kb
Reserve Bank of India (Regional Rural Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 474 kb
Reserve Bank of India (Regional Rural Banks – Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on April 1, 2026)PDF Download 870 kb
Reserve Bank of India (Regional Rural Banks – Know Your Customer) Directions, 2025 (Updated as on September 18, 2026)PDF Download 701 kb
Reserve Bank of India (Regional Rural Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)PDF Download 1038 kb
Reserve Bank of India (Regional Rural Banks – Miscellaneous) Directions, 2025PDF Download 1359 kb
Urban Co-operative Banks
Nov 28, 2025
Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Directions, 2025PDF Download 451 kb
Reserve Bank of India (Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification) Guidelines, 2025PDF Download 228 kb
Reserve Bank of India (Urban Co-operative Banks – Voluntary Amalgamation) Directions, 2025PDF Download 336 kb
Reserve Bank of India (Urban Co-operative Banks – Digital Banking Channels Authorisation) Directions, 2025PDF Download 262 kb
Reserve Bank of India (Urban Co-operative Banks – Undertaking of Financial Services) Directions, 2025 (Updated as on October 05, 2026)PDF Download 479 kb
Reserve Bank of India (Urban Co-operative Banks - Governance) Directions, 2025 (Updated as on May 25, 2026)PDF Download 425 kb
Reserve Bank of India (Urban Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 (Updated as on October 09, 2026)PDF Download 764 kb
Reserve Bank of India (Urban Co-operative Banks - Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on June 16, 2026)PDF Download 891 kb
Reserve Bank of India (Urban Co-operative Banks – Interest Rate on Deposits) Directions, 2025 (Updated as on October 01, 2026)PDF Download 346 kb
Reserve Bank of India (Urban Co-operative Banks – Credit Facilities) Directions, 2025 (Updated as on October 1, 2026)PDF Download 781 kb
Reserve Bank of India (Urban Co-operative Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025PDF Download 328 kb
Reserve Bank of India (Urban Co-operative Banks – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 885 kb
Reserve Bank of India (Urban Co-operative Banks – Credit Risk Management) Directions, 2025 (Updated as on July 01, 2026)PDF Download 437 kb
Reserve Bank of India (Urban Co-operative Banks - Concentration Risk Management) Directions, 2025 (Updated as on October 1, 2026)PDF Download 338 kb
Reserve Bank of India (Urban Co-operative Banks – Transfer and Distribution of Credit Risk) Directions, 2025PDF Download 349 kb
Reserve Bank of India (Urban Co-operative Banks – Interest Rates on Advances) Directions, 2025PDF Download 242 kb
Reserve Bank of India (Urban Co-operative Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on September 2, 2026)PDF Download 516 kb
Reserve Bank of India (Urban Co-operative Banks – Asset Liability Management) Directions, 2025PDF Download 720 kb
Reserve Bank of India (Urban Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on October 01, 2026)PDF Download 475 kb
Reserve Bank of India (Urban Co-operative Banks – Resolution of Stressed Assets) Directions, 2025 (Updated as on October 1, 2026)PDF Download 558 kb
Reserve Bank of India (Urban Co-operative Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 456 kb
Reserve Bank of India (Urban Co-operative Banks – Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on October 1, 2026)PDF Download 731 kb
Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Declaration of Dividends) Directions, 2025PDF Download 260 kb
Reserve Bank of India (Urban Co-operative Banks – Know Your Customer) Directions, 2025 (Updated as on September 18, 2026)PDF Download 729 kb
Reserve Bank of India (Urban Co-operative Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)PDF Download 984 kb
Reserve Bank of India (Urban Co-operative Banks – Managing Risks in Outsourcing) Directions, 2025PDF Download 349 kb
Reserve Bank of India (Urban Co-operative Banks – Miscellaneous) Directions, 2025PDF Download 1402 kb
Rural Co-operative Banks
Nov 28, 2025
Reserve Bank of India (Rural Co-operative Banks - Branch Authorisation) Directions, 2025PDF Download 385 kb
Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) Directions, 2025PDF Download 396 kb
Reserve Bank of India (Rural Co-operative Banks - Voluntary Amalgamation) Directions, 2025PDF Download 319 kb
Reserve Bank of India (Rural Co-operative Banks – Digital Banking Channels Authorisation) Directions, 2025PDF Download 273 kb
Reserve Bank of India (Rural Co-operative Banks – Undertaking of Financial Services) Directions, 2025 (Updated as on October 05, 2026)PDF Download 332 kb
Reserve Bank of India (Rural Co-operative Banks - Governance) Directions, 2025 (Updated as on May 25, 2026)PDF Download 363 kb
Reserve Bank of India (Rural Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 (Updated as on October 09, 2026)PDF Download 738 kb
Reserve Bank of India (Rural Co-operative Banks – Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on May 15, 2026)PDF Download 546 kb
Reserve Bank of India (Rural Co-operative Banks – Interest Rate on Deposits) Directions, 2025 (Updated as on August 25, 2026)PDF Download 376 kb
Reserve Bank of India (Rural Co-operative Banks – Credit Facilities) Directions, 2025 (Updated as on April 01, 2026)PDF Download 487 kb
Reserve Bank of India (Rural Co-operative Banks – Debit Cards: Issuance and Conduct) Directions, 2025PDF Download 298 kb
Reserve Bank of India (Rural Co-operative Banks – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 891 kb
Reserve Bank of India (Rural Co-operative Banks – Credit Risk Management) Directions, 2025 (Updated as on July 01, 2026)PDF Download 356 kb
Reserve Bank of India (Rural Co-operative Banks – Concentration Risk Management) Directions, 2025PDF Download 335 kb
Reserve Bank of India (Rural Co-operative Banks – Transfer and Distribution of Credit Risk) Directions, 2025PDF Download 293 kb
Reserve Bank of India (Rural Co-operative Banks – Interest Rates on Advances) Directions, 2025PDF Download 244 kb
Reserve Bank of India (Rural Co-operative Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on May 18, 2026)PDF Download 425 kb
Reserve Bank of India (Rural Co-operative Banks – Asset Liability Management) Directions, 2025PDF Download 465 kb
Reserve Bank of India (Rural Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (updated as on October 01, 2026)PDF Download 373 kb
Reserve Bank of India (Rural Co-operative Banks – Resolution of Stressed Assets) Directions, 2025 (Updated as on October 01, 2026)PDF Download 482 kb
Reserve Bank of India (Rural Co-operative Banks – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 394 kb
Reserve Bank of India (Rural Co-operative Banks – Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on April 1, 2026)PDF Download 682 kb
Reserve Bank of India (Rural Co-operative Banks – Prudential Norms on Declaration of Dividends) Directions, 2025PDF Download 263 kb
Reserve Bank of India (Rural Co-operative Banks – Know Your Customer) Directions, 2025 (Updated as on September 18, 2026)PDF Download 724 kb
Reserve Bank of India (Rural Co-operative Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)PDF Download 1603 kb
Reserve Bank of India (Rural Co-operative Banks – Managing Risks in Outsourcing) Directions, 2025PDF Download 308 kb
All India Financial Institutions
Nov 28, 2025
Reserve Bank of India (All India Financial Institutions – Undertaking of Financial Services) Directions, 2025 (Updated as on October 05, 2026)PDF Download 386 kb
Reserve Bank of India (All India Financial Institutions - Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on October 07, 2026)PDF Download 1810 kb
Reserve Bank of India (All India Financial Institutions– Resource Raising Norms) Directions, 2025PDF Download 291 kb
Reserve Bank of India (All India Financial Institutions – Credit Facilities) Directions, 2025 (Updated as on October 1, 2026)PDF Download 483 kb
Reserve Bank of India (All India Financial Institutions – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 854 kb
Reserve Bank of India (All India Financial Institutions – Credit Risk Management) Directions, 2025 (Updated as on July 01, 2026)PDF Download 348 kb
Reserve Bank of India (All India Financial Institutions – Concentration Risk Management) Directions, 2025PDF Download 564 kb
Reserve Bank of India (All India Financial Institutions – Transfer and Distribution of Credit Risk) Directions, 2025PDF Download 504 kb
Reserve Bank of India (All India Financial Institutions – Securitisation Transactions) Directions, 2025PDF Download 442 kb
Reserve Bank of India (All India Financial Institutions – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on September 22, 2026)PDF Download 519 kb
Reserve Bank of India (All India Financial Institutions – Asset Liability Management) Directions, 2025PDF Download 563 kb
Reserve Bank of India (All India Financial Institutions – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on October 01, 2026)PDF Download 462 kb
Reserve Bank of India (All India Financial Institutions – Resolution of Stressed Assets) Directions, 2025 (Updated as on October 1, 2026)PDF Download 617 kb
Reserve Bank of India (All India Financial Institutions – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 463 kb
Reserve Bank of India (All India Financial Institutions – Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on April 1, 2026)PDF Download 743 kb
Reserve Bank of India (All India Financial Institutions – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025)PDF Download 676 kb
Reserve Bank of India (All India Financial Institutions – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)PDF Download 286 kb
Reserve Bank of India (All India Financial Institutions – Managing Risks in Outsourcing) Directions, 2025PDF Download 342 kb
Reserve Bank of India (All India Financial Institutions – Miscellaneous) Directions, 2025PDF Download 262 kb
Non-Banking Financial Companies
Nov 28, 2025
Reserve Bank of India (Non-Banking Financial Companies – Registration, Exemptions and Framework for Scale Based Regulation) Directions, 2025 (Updated as on July 01, 2026)PDF Download 481 kb
Reserve Bank of India (Non-Banking Financial Companies – Acquisition of Shareholding or Control) Directions, 2025PDF Download 312 kb
Reserve Bank of India (Non-Banking Financial Companies – Voluntary Amalgamation) Directions, 2025PDF Download 271 kb
Reserve Bank of India (Non-Banking Financial Companies – Branch Authorisation) Directions, 2025 (Updated as on April 15, 2026)PDF Download 262 kb
Reserve Bank of India (Non-Banking Financial Companies – Undertaking of Financial Services) Directions, 2025 (Updated as on October 05, 2026)PDF Download 545 kb
Reserve Bank of India (Non-Banking Financial Companies – Governance) Directions, 2025 (Updated as on June 24, 2026)PDF Download 489 kb
Reserve Bank of India (Non-Banking Financial Companies – Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on July 01, 2026)PDF Download 656 kb
Reserve Bank of India (Non-Banking Financial Companies – Acceptance of Public Deposits) Directions, 2025 (Updated as on April 15, 2026)PDF Download 383 kb
Reserve Bank of India (Non-Banking Financial Companies – Credit Facilities) Directions, 2025 (updated as on July 15, 2026)PDF Download 542 kb
Reserve Bank of India (Non-Banking Financial Companies – Credit Cards: Issuance and Conduct) Directions, 2025PDF Download 449 kb
Reserve Bank of India (Non-Banking Financial Companies – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 880 kb
Reserve Bank of India (Non-Banking Financial Companies – Credit Risk Management) Directions, 2025 (Updated as on July 01, 2026)PDF Download 370 kb
Reserve Bank of India (Non-Banking Financial Companies - Concentration Risk Management) Directions, 2025 (Updated as on August 25, 2026)PDF Download 407 kb
Reserve Bank of India (Non-Banking Financial Companies - Transfer and Distribution of Credit Risk) Directions, 2025 (Updated as on July 01, 2026)PDF Download 393 kb
Reserve Bank of India (Non-Banking Financial Companies – Securitisation Transactions) Directions, 2025 (Updated as on July 01, 2026)PDF Download 480 kb
Reserve Bank of India (Non-Banking Financial Companies – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 (Updated as on July 01, 2026)PDF Download 333 kb
Reserve Bank of India (Non-Banking Financial Companies – Asset Liability Management) Directions, 2025 (Updated as on July 01, 2026)PDF Download 639 kb
Reserve Bank of India (Non-Banking Financial Companies – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (updated as on October 01, 2026)PDF Download 395 kb
Reserve Bank of India (Non-Banking Financial Companies – Resolution of Stressed Assets) Directions, 2025 (updated as on October 1, 2026)PDF Download 752 kb
Reserve Bank of India (Non-Banking Financial Companies – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025 (Updated as on July 01, 2026)PDF Download 478 kb
Reserve Bank of India (Non-Banking Financial Companies – Financial Statements: Presentation and Disclosures) Directions, 2025 (Updated as on July 01, 2026)PDF Download 743 kb
Reserve Bank of India (Non-Banking Financial Companies – Prudential Norms on Declaration of Dividends) Directions, 2025 (Updated as on July 01, 2026)PDF Download 357 kb
Reserve Bank of India (Non-Banking Financial Companies – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025)PDF Download 589 kb
Reserve Bank of India (Non-Banking Financial Companies – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)PDF Download 491 kb
Reserve Bank of India (Non-Banking Financial Companies – Managing Risks in Outsourcing) Directions, 2025PDF Download 505 kb
Reserve Bank of India (Non-Banking Financial Companies – Climate Finance and Management of Climate Change Risks) Directions, 2025PDF Download 279 kb
Reserve Bank of India (Housing Finance Companies) Directions, 2025 (Updated as on October 01, 2026)PDF Download 739 kb
Reserve Bank of India (Standalone Primary Dealers) Directions, 2025 (Updated as on March 10, 2026)PDF Download 791 kb
Reserve Bank of India (Core Investment Companies) Directions, 2025 (Updated as on March 10, 2026)PDF Download 474 kb
Reserve Bank of India (Non-Banking Financial Companies - Account Aggregator) Directions, 2025PDF Download 332 kb
Reserve Bank of India (Mortgage Guarantee Companies) Directions, 2025 (Updated as on March 10, 2026)PDF Download 428 kb
Reserve Bank of India (Non-Banking Financial Companies – Peer to Peer Lending Platform) Directions, 2025PDF Download 732 kb
Reserve Bank of India (Non-Banking Financial Companies – Microfinance Institution) Directions, 2025PDF Download 313 kb
Reserve Bank of India (Non-Operative Financial Holding Companies) Directions, 2025 (Updated as on December 05, 2025)PDF Download 323 kb
Reserve Bank of India (Non-Banking Financial Companies – Miscellaneous) Directions, 2025 (Updated as on February 26, 2026)PDF Download 330 kb
Asset Reconstruction Companies
Nov 28, 2025
Reserve Bank of India (Asset Reconstruction Companies) Directions, 2025 (Updated as on March 10, 2026)PDF Download 719 kb
Reserve Bank of India (Asset Reconstruction Companies – Credit Information Reporting) Directions, 2025 (Updated as on July 01, 2026)PDF Download 846 kb
Reserve Bank of India (Asset Reconstruction Companies – Treatment of Wilful Defaulters and Large Defaulters) Directions, 2025PDF Download 398 kb
Reserve Bank of India (Asset Reconstruction Companies – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025)PDF Download 565 kb
Credit Information Companies
Nov 28, 2025
Reserve Bank of India (Credit Information Companies) Directions, 2025 (Updated as on July 01, 2026)PDF Download 1019 kb
Reserve Bank of India (Credit Information Companies – Managing Risks in Outsourcing) Directions, 2025PDF Download 352 kb


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