Commercial real estate rules, gathered in one place
15 points name commercial real estate lending, across 10 rulebooks.
This is not the whole of your rulebook.
- 17,394 points on this site name no product at all.
- They bind commercial real estate lending as well. A rule on limits binds every kind of lending.
- RBI writes its rules by subject and by risk. It does not write them product by product.
- Use this page to start reading. Never to stop.
Points that name it
Reserve Bank of India (Non-Banking Financial Companies - Concentration Risk Management) Directions, 2025 (Updated as on July 01, 2026)
2 points on this rulebook name it
Capital market lending and commercial property lending are the sensitive sectors.
named by the words commercial real estate · RBI Para 24 · Read it in place
Inside the property limit, buying land needs its own inner limit.
named by the words commercial real estate · RBI Para 24(1) · Read it in place
Reserve Bank of India (All India Financial Institutions – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on July 01, 2026)
2 points on this rulebook name it
All India financial institutions must set aside up to 1 percent for standard assets, depending on the sector.
named by the words Commercial Real Estate · RBI Para 65(2) · Read it in place
Commercial real estate and project finance take their meaning from the lending rules.
named by the words Commercial real estate · RBI Para 8 · Read it in place
Reserve Bank of India (Rural Co-operative Banks – Concentration Risk Management) Directions, 2025
2 points on this rulebook name it
The bank should keep away from commercial property lending altogether.
named by the words commercial real estate · RBI Para 17 · Read it in place
Loans to builders of housing projects are allowed inside the same five per cent.
named by the words Commercial Real Estate · RBI Para 18 · Read it in place
Reserve Bank of India (Small Finance Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on July 01, 2026)
2 points on this rulebook name it
Banks must set aside up to 1 percent for standard assets, depending on the sector.
named by the words Commercial Real Estate · RBI Para 76(2) · Read it in place
Commercial real estate and project finance take their meaning from the lending rules.
named by the words Commercial real estate · RBI Para 5(10) · Read it in place
Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025
2 points on this rulebook name it
Banks must set aside up to 1 percent for standard assets, depending on the sector.
named by the words Commercial Real Estate · RBI Para 80(2) · Read it in place
Commercial real estate and project finance take their meaning from the lending rules.
named by the words Commercial real estate · RBI Para 8 · Read it in place
Reserve Bank of India (Non-Banking Financial Companies – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (updated as on July 01, 2026)
1 point on this rulebook names it
Commercial real estate and project finance take their meaning from the lending rules.
named by the words Commercial real estate · RBI Para 13 · Read it in place
Reserve Bank of India (Urban Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (updated as on July 01, 2026)
1 point on this rulebook names it
Commercial real estate and project finance take their meaning from the lending rules.
named by the words Commercial real estate · RBI Para 9 · Read it in place
Reserve Bank of India (Local Area Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on July 1, 2026)
1 point on this rulebook names it
Banks must set aside up to 1 percent for standard assets, depending on the sector.
named by the words Commercial Real Estate · RBI Para 64(2) · Read it in place
Reserve Bank of India (Small Finance Banks – Credit Facilities) Directions, 2025 (Updated as on July 15, 2026)
1 point on this rulebook names it
If repayment depends on business profit rather than the property, it is not commercial real estate.
named by the words commercial real estate · RBI Para 125(3) · Read it in place
Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025
1 point on this rulebook names it
If repayment depends on business profit rather than the property, it is not commercial real estate.
named by the words commercial real estate · RBI Para 125(3) · Read it in place
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