Reserve Bank of India - Frequently Asked Questions

Frequently Asked Questions

Banker and Debt Manager to Government
Nov 12, 2021 Retail Direct Scheme
Apr 14, 2020 RBI as Banker to Government
Apr 01, 2020 Government Securities Market in India – A Primer
Feb 04, 2019 Sovereign Gold Bond Scheme
Nov 23, 2017 Non-competitive Bidding Facility for Dated Securities and Treasury Bills of the Government of India
Feb 28, 2017 Pradhan Mantri Garib Kalyan Deposit Scheme (PMGKDS), 2016
Mar 26, 2014 Inflation Indexed National Saving Securities - Cumulative (IINSS-C)
Jun 03, 2013 Additional FAQs on Inflation Indexed Bonds (Accounting Norms)
May 28, 2013 Inflation Indexed Bonds (IIBs)
Oct 18, 2012 NDS-OM web
Jul 09, 2012 The Government Securities Act, 2006 and The Government Securities Regulations, 2007
Commercial Banking
Jun 09, 2025 FAQs on Master Direction on KYC	256 kb
Apr 22, 2025 FAQs on Master Directions on Fraud Risk Management in Regulated Entities (REs), 2024	189 kb
Apr 01, 2025 FAQs on Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2025	119 kb
Apr 01, 2025 Payment of Pension to Government Pensioners	115 kb
Mar 25, 2025 Gold Monetization Scheme (GMS), 2015	136 kb
Jan 30, 2025 Regulatory Framework for Microfinance Loans dated July 25, 2022 (Updated as on January 30, 2025)	250 kb
Jan 10, 2025 FAQs on the circular on 'Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans'	127 kb
Nov 05, 2024 Guidelines on Default Loss Guarantee in Digital Lending	214 kb
Mar 07, 2024 FAQs on Master Direction (MD) - Credit Card and Debit Card – Issuance and Conduct Directions, 2022	192 kb
Mar 05, 2024 UDGAM Portal	107 kb
Mar 05, 2024 Depositor Education and Awareness (DEA) Fund Scheme, 2014	210 kb
Feb 16, 2024 Business restrictions imposed on Paytm Payments Bank Limited vide Press Releases dated January 31 and February 16, 2024
Feb 06, 2024 Display of information - Secured assets possessed under the SARFAESI Act, 2002
Jan 15, 2024 Fair Lending Practice - Penal Charges in Loan Accounts
Dec 29, 2023 Framework for acceptance of Green Deposits
Jun 20, 2023 Framework for Compromise Settlements and Technical Write-offs
Feb 14, 2023 Digital Lending Guidelines
Dec 05, 2022 FAQs on Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021 (MD-TLE)
Aug 19, 2022 FAQs on Resolution Framework for Covid-19 related stress (Revised on December 12, 2020) (Updated as on August 19, 2022)
Jun 11, 2021 Guidelines for Appointment of Statutory Central Auditors (SCAs)/Statutory Auditors (SAs) of Commercial Banks (excluding RRBs), UCBs and NBFCs (including HFCs)
Feb 02, 2021 Compliance functions in banks and Role of Chief Compliance Officer (CCO)
Feb 25, 2020 CRR exemption
Dec 12, 2019 Senior Citizens Savings Scheme, 2004
Aug 30, 2019 Partial Credit Guarantee Scheme Offered by GoI to PSBs for purchasing high-rated pooled assets from NBFCs/HFCs
Aug 25, 2016 Enhancing Credit Supply for Large Borrowers through Market Mechanism
Mar 29, 2016 Marginal Cost of Funds based Lending Rate (MCLR)
Sep 02, 2015 Savings Bank Deposit Account (BSBDA) – FAQs (RRBs/StCBs/DCCBs)
Jan 01, 2015 Clarifications to Queries on Guidelines for Licensing of Small Finance Banks in the Private Sector
Jan 01, 2015 Clarifications to Queries on Guidelines for Licensing of Payments Banks in the Private Sector
Jun 03, 2013 Clarifications to Queries on Guidelines for Licensing of New Banks in the Private Sector
Sep 27, 2011 Automated Data Flow
Nov 16, 2002 QA 22 Accounts
Co-operative Banking
May 30, 2014 Basic Savings Bank Deposit Account (UCBs)
Non-banking
May 08, 2025 Core Investment Companies	227 kb
Apr 23, 2025 All you wanted to know about NBFCs	381 kb
Dec 12, 2024 Non-Banking Financial Company – Peer to Peer Lending Platform
Oct 10, 2023 NBFC-Infrastructure Finance Companies
May 15, 2013 Infrastructure Debt Funds
Apr 03, 2013 NBFC – Factors
Financial Inclusion and Development
May 08, 2025 FAQs on Priority Sector Lending (PSL)	510 kb
Oct 10, 2023 Education Loan
Oct 01, 2021 Micro, Small and Medium Enterprises
Nov 10, 2009 Housing Loans
Financial Market
Aug 28, 2024 Foreign Exchange (Forex) Transactions
May 28, 2021 Targeted Long Term Repo Operations (TLTROs)
Foreign Exchange Management
Jan 16, 2025 International Trade Settlement in Indian Rupees (INR)	144 kb
Jan 16, 2025 Special Non-Resident Rupee Accounts	154 kb
Jan 16, 2025 Foreign Currency Accounts by Resident Individuals	130 kb
Jan 16, 2025 Accounts in India by Non-residents	195 kb
Oct 01, 2024 FAQs on Compounding of Contraventions under FEMA, 1999	183 kb
Jun 26, 2023 External Commercial Borrowings (ECB) and Trade Credits
Apr 06, 2023 Liberalised Remittance Scheme
Apr 06, 2023 Purchase of Immovable Property
Feb 07, 2023 Introduction of Legal Entity Identifier for Cross-border Transactions
Nov 14, 2022 Annual Return on Foreign Liabilities and Assets (FLA) under FEMA 1999
Oct 21, 2021 Miscellaneous forex facilities
Oct 21, 2021 Money Changing Activities
Jan 18, 2017 Remittances [Money Transfer Service Scheme (MTSS) and Rupee Drawing Arrangement (RDA)]
Dec 26, 2016 Liaison / Branch / Project Offices of foreign entities in India
Sep 15, 2016 Exchange Rate – 1945-1971
Sep 02, 2016 Remittance of Assets
Jul 05, 2016 Exchange Earner's Foreign Currency (EEFC) Account
Sep 18, 2013 Swap Window for attracting FCNR (B) Dollar funds
Consumer Education and Protection
Jan 07, 2025 The Reserve Bank - Integrated Ombudsman Scheme, 2021
Issuer of Currency
Apr 15, 2025 Indian Currency	272 kb
Jan 09, 2025 Digital Rupee (e₹) – FAQs	233 kb
Sep 30, 2023 ₹2000 Denomination Banknotes – Withdrawal from Circulation – Will continue as Legal Tender
May 26, 2017 Withdrawal of Legal Tender Character of the Old Bank Notes in the denominations of ₹ 500 and ₹ 1000 and The Specified Bank Notes (Cessation of Liabilities) Act 2017 & Specified Bank Notes (Deposit of Confiscated Notes) Rules 2017
Payment and Settlement System
Sep 02, 2024 National Electronic Funds Transfer (NEFT) System
Sep 27, 2023 Indo-Nepal Remittance Facility scheme
May 11, 2023 Card Transactions
May 11, 2023 Device based Tokenisation – Card Transactions
Feb 21, 2023 UPI-PayNow Linkage
Nov 22, 2022 Payment and Settlement Systems Act, 2007
Nov 22, 2022 Cash Withdrawal Facility at Point of Sale (PoS) Terminals
Nov 22, 2022 Prepaid Payment Instruments (PPIs)
Nov 22, 2022 ATM/White Label ATM
Oct 31, 2022 Legal Entity Identifier (LEI) for Large Value Transactions in Centralised Payment Systems
Oct 31, 2022 Real Time Gross Settlement System (RTGS) System
Oct 31, 2022 Collection of Instruments
Oct 31, 2022 Cheque Truncation System
Jul 28, 2021 Access for Non-banks to Centralised Payment Systems (CPS)
Jan 01, 2020 Trade Receivables Discounting System (TReDS)
Jun 26, 2019 Storage of Payment System Data
Jun 30, 2015 US-Dollar Cheque Collection
Research
Jun 02, 2025 Annual Survey on Computer Software & Information Technology Enabled Services Exports (ITES)	237 kb
Jun 02, 2025 Survey on Foreign Liabilities and Assets (FLA) of Mutual Fund (MF) Companies and their Asset Management Companies (AMCs) in India	202 kb
Jun 02, 2025 Biennial survey on Foreign Collaboration in Indian Industry (FCS)	234 kb
Jun 02, 2025 Coordinated Portfolio Investment Survey – India	236 kb
Others
Apr 30, 2013 Application Tracking System (ATS)
Deposit Insurance and Credit Guarantee Corporation
Nov 25, 2008 Deposit Insurance