Co-operative Banks
Every RBI rule that touches Co-operative Banks, simplified for bankers. 141 current circulars.
Status from our nightly regulatory-lineage check. Only circulars with no recorded withdrawal appear below — always confirm current applicability against the official RBI source linked on each circular.
Latest circulars in this cluster
RBI Consolidates Supervisory Directions into 64 Master Directions
RBI has consolidated 628 supervisory circulars into 64 Master Directions across 11 regulated entities, effective July 31
UCB Deposit Rate Disclosure & Uniformity Rules Updated
RBI amends UCB deposit rules: bulk deposit rates must be posted on the bank’s website by 10:10 am (with a 10‑minute grac
RBI fines Sri Bharathi Co-operative Urban Bank ₹1.5 lakh for director loan, small-value loan rule breaches
RBI imposed a ₹1.5 lakh penalty on Sri Bharathi Co-operative Urban Bank for sanctioning loans to directors and failing t
RBI fines Sangli District Central Co-op Bank for director-related loans
RBI imposed a ₹7 lakh penalty on Sangli District Central Co-operative Bank for violating the Banking Regulation Act by s
RBI fines Raigad DCC Bank for director loans and CIC data gaps
RBI imposed a ₹10.10 lakh penalty on Raigad District Central Co-operative Bank for sanctioning a director-related loan a
RBI fines Citizen Co-operative Bank ₹50K for failure to classify NPAs
RBI imposed a ₹50,000 penalty on The Citizen Co-operative Bank Limited, Bangalore, for failing to classify certain loan
UAPA Section 51A: UNSC Sanctions List Updated – One Entry Amended
RBI directs all regulated entities to update their records per UNSC's July 8, 2026 amendment to the ISIL/Al-Qaida sancti
RBI fines City Co-operative Bank for KYC upload delays
RBI imposed a ₹50,000 penalty on The City Co-operative Bank, Hassan, for failing to upload customer KYC records to the C
RBI fines Lalgudi Co-op Urban Bank for capital adequacy lapses
RBI imposed a ₹1 lakh penalty on The Lalgudi Co-operative Urban Bank Ltd. for violating prudential norms on capital adeq
RBI fines Modern Co-op Bank for exposure and KYC lapses
RBI imposed a ₹1 lakh penalty on The Modern Co-operative Bank, Chalisgaon, for breaching single borrower exposure limits
RCB Customer Liability Limits for Unauthorised EBTs Revised
RBI has revised liability rules for unauthorised electronic banking transactions at Rural Co-operative Banks (RCBs), app
UCB Customer Liability Limits for Unauthorised EBTs Revised
RBI has revised liability rules for unauthorised electronic banking transactions at UCBs, effective Jan 1, 2027. New def
RBI Drafts Model Risk Management Guidance for All Regulated Entities
RBI released draft guidance on model risk management, covering all models including AI/ML and third-party ones. It appli
RBI Extends Irinjalakuda Town Co-op Bank Directions by 3 Months
RBI has extended its regulatory directions on The Irinjalakuda Town Co-operative Bank Ltd., Kerala, for three more month
RBI fines Shri Baria Nagarik Sahakari Bank for audit lapse
RBI imposed a ₹1 lakh penalty on Shri Baria Nagarik Sahakari Bank for failing to conduct internal audit from April 1, 20
RBI fines Sindhudurg DCC Bank ₹13.30 lakh for director-related loan
RBI imposed a ₹13.30 lakh penalty on Sindhudurg District Central Co-operative Bank for sanctioning a loan to a director,
RBI fines Sultanpur Jilla Sahkari Bank for KYC, CIC, and deposit rule breaches
RBI imposed a ₹3 lakh penalty on Sultanpur Jilla Sahkari Bank for failing to submit borrower credit information to all f
RBI Tightens RRB Third-Party Product Rules
RBI has amended RRB financial services directions, effective Jan 1, 2027, redefining agency and referral businesses. RRB
RBI's 2026 Kisan Credit Card Directions: Key Changes for Banks
RBI issued consolidated KCC Directions effective Jan 1, 2027, covering all commercial banks (excluding SFBs, PBs, LABs).
RBI's 2026 KCC Directions for Regional Rural Banks
RBI issued consolidated KCC Directions for RRBs effective January 1, 2027, standardizing crop seasons (12 months for sho
RBI's 2026 KCC Directions for Rural Co-operative Banks
RBI issued new KCC Directions for Rural Co-operative Banks, applicable to loans sanctioned from January 1, 2027. The sch
UCBs get CRR/SLR relief on 3-year+ NRE term deposits mobilized till Sep 2026
RBI exempts fresh NRE term deposits of 3 years or more (including renewals) from CRR and SLR for urban co-operative bank
RCBs get CRR/SLR relief on long-term NRE deposits
Rural co-operative banks can now raise fresh NRE term deposits of 3+ years without maintaining CRR or SLR, if mobilized
RBI's 2026 KCC Directions for Rural Co-operative Banks
RBI issued the Rural Co-operative Banks - Kisan Credit Card (KCC) Scheme Directions, 2026, effective January 01, 2027, c
CRR Exemption for StCBs and RRBs on Select Liabilities
RBI removed the 3% statutory minimum CRR floor for StCBs and RRBs, allowing flexible CRR setting. The CRR rate remains a
RBI Exempts Fresh NRE Term Deposits of 3+ Years from CRR/SLR for UCBs (June 19, 2026)
RBI issued the Third Amendment Directions, 2026 for Urban Co-operative Banks, exempting fresh NRE term deposits of three
CRR Exemption for Scheduled State Co-operative Banks
From April 1, 2007, Scheduled State Co-operative Banks are exempt from maintaining CRR on liabilities to the banking sys
RBI asks banks not to deal with defaulted companies following Patna High Court order
RBI directs all banks to ensure no money transactions are allowed for companies listed as defaulted by the Patna High Co
RBI Reiterates Ban on Writing on Banknotes for UCBs
RBI has reminded all Primary (Urban) Co-operative Banks to stop writing on banknotes, reinforcing the Clean Note Policy.
RBI mandates free ATM usage for UCB customers: own ATMs and balance enquiries free immediately, cash withdrawals at other bank ATMs free from April 1, 2009
RBI mandates free ATM use for own bank and balance enquiries at other banks immediately. For cash withdrawals at other b
Suri Friends' Union Co-op Bank: RBI extends restrictive directions by 3 months
RBI has extended its supervisory directions on The Suri Friends' Union Co-operative Bank Ltd., Suri, West Bengal, for th
Co-op Banks: New Rules for Unclaimed & Dormant Accounts
RBI directs State and Central Co-operative Banks to proactively trace customers of inoperative accounts, classify accoun
Daily Interest on Savings Accounts for Co-op Banks
RBI mandates StCBs and DCCBs to calculate savings account interest on a daily product basis from April 1, 2010, replacin
Co-op Banks Must Freeze Terror Assets Under UAPA 1967
RBI advises co-operative banks to follow the procedure under Section 51A of UAPA 1967 as per Government Order dated Augu
Co-op Banks Must Join Credit Info Companies
RBI mandates all State and Central Co-operative Banks to become members of at least one credit information company and s
RBI Bans Bilateral Clearing Deals for Co-op Banks
RBI has ordered all State and Central Co-operative Banks to immediately stop bilateral clearing arrangements—like direct
Bullet Repayment Option for Gold Loans up to ₹1 Lakh
RBI now allows state and district co-operative banks to offer bullet repayment for gold loans up to ₹1 lakh, with intere
Co-op Banks Must Share Data with New Credit Info Companies
RBI directs co-operative banks to furnish credit data to newly registered CICs—Experian and Equifax—alongside CIBIL. Ban
RBI licenses High Mark Credit Information Services
RBI has issued a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd., authorizing it to opera
Co-op Banks Must Add DIN in Credit Data Submissions
RBI advises State and Central Co-operative Banks to include Director Identification Number (DIN) in data submitted to cr
RBI curbs UCB investments in Zero Coupon Bonds without sinking fund
RBI has barred Primary Urban Co-operative Banks from investing in Zero Coupon Bonds unless the issuer creates a sinking
RBI shifts SCB accommodation pricing from Bank Rate to repo rate
RBI has changed the interest rate on loans to State Co-operative Banks under Section 17(4)(a) from Bank Rate to repo rat
RBI Deregulates NRE/NRO Deposit Rates for Co-op Banks
RBI has freed StCBs and DCCBs to set their own interest rates on NRE savings and term deposits (1 year+) and NRO savings
Display Unclaimed Deposit Lists on Websites: StCBs/DCCBs/RRBs
RBI mandates StCBs, DCCBs, and RRBs to publish lists of accounts inactive for 10+ years on their websites by June 30, 20
Unclaimed Deposits: New Board Policy Mandate for RRBs & Co-op Banks
RBI directs RRBs and co-op banks to adopt a Board-approved policy for unclaimed deposits, including classification, grie
RBI fines Sarvodaya Commercial Co-op Bank for inoperative account rule breach
RBI imposed a ₹20,000 penalty on Sarvodaya Commercial Co-operative Bank for levying penal charges on minimum balance sho
RBI fines Navapur Mercantile Co-op Bank for non-cooperation
RBI imposed a ₹10,000 penalty on Navapur Mercantile Co-operative Bank for failing to provide required information during
RBI fines Manmad Urban Co-op Bank for director-relative loan
RBI imposed a ₹1 lakh penalty on Manmad Urban Co-operative Bank for sanctioning a loan to a director's relative, violati
RBI fines Odisha co-op bank ₹3 lakh for KYC upload delay
RBI imposed a ₹3 lakh penalty on The United Puri-Nimapara Central Co-operative Bank for failing to upload customer KYC r
RBI directs co-op banks to migrate to IPv6 by Dec 2012
RBI has asked all State and District Central Co-operative Banks to migrate their websites, payment gateways, and IT syst
Gold Loan Cap: Co-op Banks Must Limit Coin Weight to 50g
RBI directs state/central co-operative banks to ensure gold coin collateral per customer does not exceed 50 grams. Loans
RBI Circular on Co-operative Banks: Credit Information Companies Compliance - August 2013
RBI issued a circular on August 7, 2013, to all State and Central Co-operative Banks (StCBs and CCBs) regarding complian
Fit & Proper Criteria for CEOs of Multi-State UCBs
RBI mandates all Multi-State Urban Co-operative Banks to strictly follow the Government of India's minimum eligibility c
RBI Auction of Four Government Securities on April 17, 2014
RBI will auction four dated securities totaling ₹20,000 crore on April 17, 2014, via uniform price method. Banks must su
RBI Auction of Four Government Securities for ₹16,000 Crore
RBI will auction four dated securities totaling ₹16,000 crore on May 2, 2014, using a uniform price method. Banks must s
RBI Re-issues Four Government Securities Worth ₹16,000 Crore
RBI will auction four re-issued dated securities totaling ₹16,000 crore on May 23, 2014, using a uniform price method. B
Sikkim State Co-operative Bank Gets Scheduled Bank Status
RBI has added Sikkim State Co-operative Bank Ltd to the Second Schedule of the RBI Act, 1934, making it a scheduled bank
PMC Bank Amalgamation: UCB Provisioning on PNCPS & Warrants
UCBs must continue full provisioning on uninsured deposits with PMC Bank until PNCPS/Equity Warrants are actually allott
UCB Housing Loan Limits Aligned to Four-Tier Framework
RBI has revised individual housing loan ceilings for Urban Co-operative Banks under the new four-tier structure: ₹60 lak
RBI Extends PSL Glide Path for Urban Co-op Banks by Two Years
RBI has extended the timeline for Urban Co-operative Banks to meet revised Priority Sector Lending targets by two years,
Gold Loan Bullet Repayment Limit Doubled for Compliant UCBs
RBI has doubled the gold loan bullet repayment ceiling from ₹2 lakh to ₹4 lakh for Primary Urban Co-operative Banks that
Sonali Bank Renamed to Sonali Bank PLC in RBI Schedule
RBI has updated the Second Schedule to the RBI Act, 1934, changing the name of 'Sonali Bank Limited' to 'Sonali Bank PLC
AB Bank Limited renamed AB Bank PLC in RBI Schedule II
RBI has officially changed the name of 'AB Bank Limited' to 'AB Bank PLC' in the Second Schedule of the RBI Act, 1934, e
Nagar Urban Co-operative Bank Removed from RBI Schedule II
RBI has excluded Nagar Urban Co-operative Bank from the Second Schedule of the RBI Act, 1934, effective April 1, 2024. T
RBI Replaces SAF with PCA Framework for Urban Co-op Banks
RBI has replaced the Supervisory Action Framework (SAF) with a Prompt Corrective Action (PCA) framework for Tier 2-4 Urb
Credit Suisse AG ceases to be a banking company in India
RBI notifies that Credit Suisse AG is no longer a banking company under the Banking Regulation Act, 1949, effective June
UBS AG Added to RBI Second Schedule
RBI has included UBS AG in the Second Schedule of the RBI Act, 1934, effective June 4, 2024. This grants UBS AG the stat
Krung Thai Bank ceases to be a banking company in India
RBI notifies that Krung Thai Bank Public Company Limited has ceased to be a banking company under the Banking Regulation
Credit Suisse AG removed from RBI Second Schedule
RBI has excluded Credit Suisse AG from the Second Schedule of the RBI Act, 1934, effective June 4, 2024. This means it i
Krung Thai Bank removed from RBI Second Schedule
RBI has excluded Krung Thai Bank Public Company Limited from the Second Schedule of the RBI Act, 1934, effective July 3,
RBI Revises PSL Target for Urban Co-operative Banks to 60%
RBI has revised the overall Priority Sector Lending target for Urban Co-operative Banks to 60% of ANBC or CEOBSE (whiche
RBI mandates .bank.in domain migration by Oct 31, 2025
RBI has directed all commercial and co-operative banks to migrate their existing internet domains to the exclusive '.ban
RBI Withdraws 20 Cheque-Related Circulars
RBI has withdrawn 20 outdated circulars on cheques, including MICR technology, immediate credit limits, and outstation c
Kapol Co-operative Bank Removed from RBI Schedule II
RBI has excluded Kapol Co-operative Bank Limited from the Second Schedule of the RBI Act, 1934, effective February 22, 2
RBI's New Interest Rate Rules for Rural Co-operative Banks
RBI issued Directions effective November 28, 2025, governing interest rates on advances for Rural Co-operative Banks (St
RBI Asset Liability Management
RBI issues new directions for rural co-operative banks on asset liability management, effective immediately.
RBI Directions for Rural Co-operative Banks - Resolution of Stressed Assets
RBI issues directions for rural co-operative banks to resolve stressed assets in a timely manner, rationalize compromise
RBI's Wilful Defaulters Framework for Rural Co-operative Banks
RBI issued directions for Rural Co-operative Banks (RCBs) on treating wilful and large defaulters. RCBs must deny fresh
RBI Digital Banking Rules for Rural Co-op Banks: 2025 Directions
RBI issued final directions for Rural Co-operative Banks (StCBs/CCBs) to offer digital banking channels from Jan 1, 2026
RBI's 2025 Deposit Rate Rules for Rural Co-operative Banks
RBI issued consolidated directions on interest rates for deposits at Rural Co-operative Banks (RCBs), effective November
RBI's New ALM Directions for Urban Co-operative Banks
RBI issued comprehensive Asset Liability Management Directions for UCBs, effective November 28, 2025. These replace olde
RBI Directions on Managing Risks in Outsourcing for Urban Co-operative Banks
RBI issues directions to manage risks in outsourcing for Urban Co-operative Banks, with specific provisions for IT outso
RBI's New Debit Card Rules for Rural Co-operative Banks
RBI issued comprehensive directions for Rural Co-operative Banks on debit card issuance and conduct, effective immediate
RBI's New Credit Reporting Rules for Rural Co-operative Banks
RBI issued comprehensive directions for Rural Co-operative Banks (RCBs) on credit information reporting, effective immed
RBI's New Credit Reporting Rules for Urban Co-op Banks
RBI issued comprehensive directions for Urban Co-operative Banks on credit information reporting, covering data formats,
RBI Directions for Urban Co-operative Banks: Concentration Risk Management
RBI issues directions to urban co-operative banks to manage concentration risk, setting exposure limits and norms for cr
UCB Credit Risk Transfer Directions 2025 (November 28, 2025)
RBI issued comprehensive directions for Urban Co-operative Banks on credit risk transfer and distribution, effective fro
UCB Lending Rate Directions 2025: Key Changes
RBI has issued new directions for Urban Co-operative Banks on interest rates for advances, effective immediately. Banks
RBI's New IRAC Norms for Urban Co-operative Banks: 2025 Directions
RBI issued consolidated IRAC norms for Urban Co-operative Banks effective November 28, 2025. These directions cover asse
RBI Directions for Urban Co-operative Banks - Resolution of Stressed Assets
RBI issues directions for urban co-operative banks to resolve stressed assets, rationalize compromise settlements, and p
UCB Wilful Defaulters Directions 2025: Key Rules
RBI issued new directions for Urban Co-operative Banks on classifying and handling wilful and large defaulters, effectiv
RBI Prudential Norms on Declaration of Dividends for Urban Co-operative Banks
RBI issues directions for Urban Co-operative Banks to declare dividends prudently, considering capital adequacy, NPA rat
RBI's New Digital Banking Rules for Urban Co-operative Banks
RBI issued final directions for UCBs on digital banking channels, effective January 1, 2026. All UCBs with CBS and IPv6
RBI's 2025 Deposit Rate Directions for Urban Co-operative Banks
RBI issued consolidated directions on interest rates for deposits at Urban Co-operative Banks, effective November 28, 20
UCB Credit & Debit Card Directions 2025
RBI has issued comprehensive directions for Urban Co-operative Banks on issuing and managing credit and debit cards, eff
RBI Temporarily Lifts Interest Rate Ceilings for Rural Co-op Banks
RBI has temporarily lifted interest rate ceilings for rural co-operative banks on fresh FCNR(B) deposits and NRE deposit
UCB Credit Reporting: New Timelines & CKYC Mandate
RBI mandates UCBs to submit credit data to CICs on 9th, 16th, 23rd, and month-end, with full file by 5th of next month.
RBI Updates BSBD Account Rules for Rural Co-op Banks
RBI has amended the Responsible Business Conduct Directions for Rural Co-operative Banks, mandating Basic Savings Bank D
RBI Updates BSBD Account Rules for Urban Co-operative Banks
RBI has issued final BSBD account directions for UCBs, effective April 1, 2026. Key changes include free basic facilitie
Rural Co-op Banks: CRR-SLR Fortnight Definition Changed
From Dec 15, 2025 (with some provisions effective Dec 12, 2025), the CRR/SLR fortnight for rural co-op banks shifts from
RBI Tightens Rules for Cash Credit, Current, and Overdraft Accounts at Rural Co-op Banks
RBI has amended its Credit Risk Management Directions for Rural Co-operative Banks, introducing a new framework for Cash
RBI Repeals Urban Co-operative Banks Guidelines
RBI has repealed the Urban Co-operative Banks Licensing, Scheduling and Regulatory Classification Guidelines, 2025 (issu
RBI Directives for Rural Co-operative Banks
RBI issues directives for rural co-operative banks to display their full name and for StCBs to adhere to certain norms f
UCB KYC Amendment: CKYCR Uploader Bears Verification Responsibility
RBI clarifies that the Urban Co-operative Bank which last uploaded or updated a customer's KYC records to CKYCR is solel
RCB KYC Amendment: CKYCR Uploader Bears Verification Responsibility
RBI clarifies that the rural co-operative bank which last uploaded or updated a customer's KYC records in CKYCR is respo
RBI Amends UCB Deposit Interest Rate Directions (June 17, 2026)
RBI has issued amendment directions for Urban Co-operative Banks on deposit interest rates, effective June 17, 2026. The
RBI Amends Income Recognition Rules
RBI updates income recognition rules for rural co-operative banks, allowing accrual basis without matching provisions fo
RBI Updates Disclosure Rules
RBI amends financial statement disclosure rules for urban co-operative banks, effective April 1, 2026.
RBI Amends Credit Risk Rules for Rural Co-op Banks
RBI has amended the Credit Risk Management Directions for Rural Co-operative Banks, introducing new definitions for rela
UCB Credit Risk Management: Related Party Definitions Expanded
RBI has amended the UCB Credit Risk Management Directions to insert detailed definitions for related party, control, pro
RCBs can now offer AgriSURE fund services
RBI has amended the 2025 Directions for Rural Co-operative Banks, adding 'AgriSURE - Agri Fund for Start Ups & Rural Ent
RBI Tightens UCB Housing Loan Tenor, Deposit Lending Rules
RBI caps UCB housing loan tenor at 20 years (Tier 1 & 2), restricts moratorium to under-construction homes (max 24 month
Amendment Directions for Urban Co-operative Banks
RBI issues Amendment Directions for Urban Co-operative Banks to add AgriSURE - Agri Fund for Start Ups & Rural Enterpris
RBI Amends Directions for Urban Co-operative Banks
RBI issues second amendment directions for urban co-operative banks to enhance financial statement disclosures.
RBI Amends UCB Governance Directions
RBI issues amendment directions to strengthen governance of urban co-operative banks, introducing a 3-year cooling-off p
RCB IFR Requirement Eased to 5% of Current Category Investments
RBI has amended IFR norms for Rural Co-operative Banks, reducing the minimum requirement to 5% of the Current Category i
UCB Investment Fluctuation Reserve Norms Eased
RBI has relaxed IFR maintenance for Urban Co-operative Banks: minimum IFR is now 5% of the investment portfolio, compute
RBI tightens director tenure rules for rural co-op banks
RBI has amended governance directions for StCBs and CCBs, mandating a three-year cooling-off period for directors after
RBI exempts new 3‑5 yr FCNR(B) deposits from CRR/SLR for rural co‑ops
Effective June 8 2026, fresh FCNR(B) deposits of minimum three years and maximum five years mobilized (including renewal
FCNR(B) CRR/SLR Exemption for UCBs Extended
RBI exempts fresh FCNR(B) deposits (3-5 year tenor) mobilised by Urban Co-operative Banks from June 8 to Sept 30, 2026,
UCBs: New Rules on Bundling, Dark Patterns & Mis-selling
RBI bans compulsory bundling and dark patterns for UCBs from Jan 1, 2027. New definitions for mis-selling, explicit cons
RBI Amends Rules on Financial Ads
RBI issues amendment directions on advertising and sale of financial products by regulated entities, effective January 1
RBI Amends Capital Adequacy Norms
RBI updates capital adequacy norms for urban co-operative banks, affecting risk weights for ECLGS 5.0 exposures.
RBI Amends Rural Co-op Banks
RBI amends rural co-operative banks' financial services directions, effective January 1, 2027, impacting agency business
RBI Amends Urban Co-op Banks' Financial Services
RBI updates rules for urban co-operative banks' financial services, effective January 1, 2027.
RBI Penalty on Mahila Bank
RBI imposes ₹5 lakh penalty on Mahila Co-operative Bank for non-compliance with loan directions.
RBI extends Konark Urban Co-op Bank restrictions by 3 months
RBI has extended the regulatory restrictions on The Konark Urban Co-operative Bank Ltd., Ulhasnagar for another three mo
Rural Co-op Banks: New Income Recognition Rules for Acquired Assets
From Oct 1, 2026, rural co-op banks cannot book accrued but unrealised interest/charges on extinguished exposures as inc
UCB Income Recognition on SNFA: New RBI Rules from Oct 2026
From Oct 1, 2026, UCBs cannot book accrued but unrealised interest/charges on extinguished exposures when acquiring Spec
RBI finalises prudential norms for specified non-financial assets
RBI has issued final prudential norms for Specified Non-Financial Assets (SNFA) acquired by regulated entities, incorpor
MHA designates 23 individuals as terrorists under UAPA
MHA has added 23 individuals to the Fourth Schedule of UAPA, 1967. Banks and NBFCs must report any matching accounts to
RBI fines Surat People’s Co-op Bank for conflict of interest in board meetings
RBI imposed a ₹13.30 lakh penalty on Surat People’s Co-operative Bank for allowing directors to participate in board dis
RBI Penalty on Chikhli Urban Co-operative Bank for KYC, Housing Finance, and Depositor Fund Violations
RBI fined The Chikhli Urban Co-operative Bank ₹13 lakh for failing to transfer unclaimed amounts to the Depositor Educat
RBI fines Nawada Central Co-op Bank ₹50K for KYC upload delay
RBI imposed a ₹50,000 penalty on The Nawada Central Co-operative Bank Limited for failing to upload customer KYC records
RBI Directives for Rural Co-operative Banks on Electronic Banking Transactions
RBI issues revised instructions for rural co-operative banks to limit customer liability in unauthorized electronic bank
Rural Co-operative Banks Credit Information Reporting Amendment
RBI amends credit information reporting for rural co-operative banks to improve data submission timelines and accuracy.
RBI Extends Supervisory Directions for Industrial Co-operative Bank, Guwahati
RBI has extended its supervisory directions on The Industrial Co-operative Bank Ltd., Guwahati for three months from Jul
RBI fines Nirmal Urban Co-op Bank for exposure and deposit rule breaches
RBI imposed a ₹1 lakh penalty on Nirmal Urban Co-operative Bank for violating single borrower exposure limits under SAF
Baghat Urban Co-op Bank: RBI Extends Directions by 3 Months
RBI has extended regulatory directions on The Baghat Urban Co-operative Bank Limited, Solan, for another 3 months until
RBI Extends Ramgarhia Co-op Bank Directions to October 08, 2026
RBI has extended its supervisory directions on Ramgarhia Co-operative Bank, New Delhi, for a further three months from c
RBI fines N.E. & E.C. Railway Employees' Co-op Bank ₹1.05 lakh
RBI imposed a ₹1.05 lakh penalty on The N.E. & E.C. Railway Employees’ Multi-State Primary Co-operative Bank for failing
Frequently asked questions
How are co-operative banks regulated differently from commercial banks?
Co-operative banks historically operated under dual control of RBI and the registrar of co-operatives; RBI has progressively strengthened its prudential and governance oversight while keeping some structural differences from commercial banks.
What governance reforms apply to urban co-operative banks?
Reforms have emphasised board-level professional expertise, a board of management, tighter exposure norms to single and group borrowers, and clearer supervisory-action thresholds. The specific instructions are tracked below.
Can urban co-operative banks expand their business?
Well-managed UCBs meeting defined criteria have been allowed a broader set of activities and branch expansion under a tiered regulatory approach. Read the applicable circular in the cluster below.
Related topics & data
Department of Regulation
family for this topic.
NBFC Regulations
Related BankPulse topic cluster.
Priority Sector Lending
Related BankPulse topic cluster.
Capital / Basel
Related BankPulse topic cluster.