No longer current — withdrawn, no replacement on file yet
RBI's own words: “the existing Directions, instructions, and guidelines relating to Interest Rates on Advances as applicable to Urban Co-operative Banks stands repealed, as communicated vide circular DOR.RRC.REC.302/33-01-010/2025-26 date” — RBI/DOR/2025-26/283
Source: Reserve Bank of India · RBI/2025-26/100 · issued 28 Nov 2025 · ~1 min read
Quick answerRBI withdraws 9445 circulars, replacing them with 244 Master Directions for easier reference and compliance.
The rule, in the simplest words
RBI (India's central bank) removed 9,445 old rules and replaced them with 244 Master Directions (big, clear rulebooks) so banks have fewer papers to check.
All the important rules from different departments are now in one place, making it easier for bankers to find what they need.
Old rules that were no longer useful or were combined into new ones are cancelled right away.
Even though old rules are cancelled, any actions already taken under them are still valid and won't be affected.
How it plays out — a real example
A branch operations officer in Indore used to keep a stack of 50 different RBI circulars to check loan rules. Now, she opens just one Master Direction on gold loans, saving time and avoiding mistakes when approving a customer's application.
What changed
The Reserve Bank of India has consolidated its regulations by releasing 244 Master Directions. These directions encompass instructions from the Department of Regulation and other merged departments. As a result, 9445 circulars are withdrawn and repealed. The repealed circulars were either consolidated or became obsolete.
What it means for you
The consolidation of regulations aims to simplify compliance and reduce regulatory burden. Banks and lenders will now have a single reference point for regulatory instructions, making it easier to understand and adhere to RBI guidelines. This move is expected to improve the overall efficiency of the banking system.
Historical instruction — do not use for current compliance. This is what was required at the time; it no longer reflects current RBI requirements. If no replacement rule is linked above, that only means none is recorded on our register yet — it does not prove no later applicable rule exists. Confirm on the official RBI source below.
RBI’s words: “the existing Directions, instructions, and guidelines relating to Interest Rates on Advances as applicable to Urban Co-operative Banks stands repealed, as communicated vide circular DOR.RRC.REC.302/33”
RBI’s words: “the existing Directions, instructions, and guidelines relating to Prudential Norms on Declaration of Dividend as applicable to Urban Co-operative Banks stand repealed”
RBI’s words: “the existing Directions, instructions, and guidelines relating to Interest Rates on Advances as applicable to Rural Co-operative Banks stand repealed, as communicated vide circular DOR.RRC.REC.302/33-”
RBI’s words: “the existing Directions, instructions, and guidelines relating to Prudential Norms on Declaration of Dividend as applicable to Rural Co-operative Banks stand repealed, as communicated vide circular DO”
📜 Read the original circular — full text as issued by RBI
RBI/2025-26/100
DOR.RRC.REC.302/33-01-010/2025-26
November 28, 2025
Consolidation of Regulations – Withdrawal of circulars
Please refer to the press release issued on November 28, 2025 announcing the release of 244 Master Directions consolidating the instructions currently administered by the Department of Regulation (DoR) of the Reserve Bank of India.
2. These 244 Master Directions encompass the instructions issued by DoR as well as the erstwhile Departments which have since been merged into DoR either partly or fully. Further, the extant instructions considered as obsolete have not been included in the consolidated Master Directions, as they are no longer relevant.
3. Accordingly, 9445 circulars listed in the Annex , which are either circulars whose instructions have been consolidated or circulars which have become obsolete / redundant, are withdrawn by the Reserve Bank with immediate effect and are hereby repealed.
4. Notwithstanding such repeal, any action taken or purported to have been taken, or initiated under the repealed Directions, instructions, or guidelines shall continue to be governed by the provisions thereof.
Yours faithfully
(Shivaji Radhakrishnan)
General Manager
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2025-26/100 · issued 28 Nov 2025. The plain-English explanation above is BankPulse’s own independent summary.
Discuss this circular with fellow bankers — reply, upvote what helps, report what doesn’t belong. Be professional; no client data. Views are the commenter’s own, not BankPulse’s.
BankPulse Compliance Evidence Pack — generated 03 Aug 2026 · status cross-checked against RBI’s official withdrawal register (refreshed weekly). Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13170&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert reviewer, CA Amit Jain. Independent platform, not affiliated with the Reserve Bank of India; is our own plain-English paraphrase, not RBI’s original wording.
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