What changed
RBI has issued the Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) (Amendment) Directions, 2025, which modifies the Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) Directions, 2025. The amendments include displaying the full name of the bank for all rural co-operative banks and adhering to certain norms for StCBs for inclusion in the Second Schedule to the Reserve Bank of India Act, 1934.
What it means for you
These directives aim to ensure that rural co-operative banks display their full name and that StCBs adhere to certain norms for inclusion in the Second Schedule to the Reserve Bank of India Act, 1934. This will help in maintaining transparency and accountability in the banking sector.
What you must do
- Display the full name of the bank in all stationery items, publicity materials, websites, mobile applications, advertisements, and name boards.
- Ensure that the full name as appearing in the banking licence is also shown along with the abbreviated/abridged name/logo in all publicity materials/stationery.
- For StCBs: Adhere to the norms for inclusion in the Second Schedule to the Reserve Bank of India Act, 1934, including a CRAR of at least 3 per cent more than the minimum CRAR requirement applicable to the bank.
Who it affects
Rural Co-operative Banks (for display requirements), State Co-operative Banks (StCBs) (for Second Schedule norms), Regional Offices of the Reserve Bank of India, NABARD
What is the purpose of the Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) (Amendment) Directions, 2025?
The purpose of the amendment is to ensure that rural co-operative banks display their full name and that StCBs adhere to certain norms for inclusion in the Second Schedule to the Reserve Bank of India Act, 1934.
What are the norms for inclusion in the Second Schedule to the Reserve Bank of India Act, 1934?
The norms include a CRAR of at least 3 per cent more than the minimum CRAR requirement applicable to the bank and no major regulatory and supervisory concerns. These norms apply to StCBs.