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Nov 28, 2025 · 28 Nov 2025 consolidation circular (DOR.RRC.REC.302/33-01-010/2025-26) that withdrew 9,445 circulars and issued 244 consolidated Master Directions -- the constitution of the current in-force regime.
Official source ↗Added 12 Aug, 6:19 am ISTजोड़ा गया 12 Aug, 6:19 am IST
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All banks (82)
September 2026
Official source ↗ · Details →Added 7 Sep, 7:45 pm ISTजोड़ा गया 7 Sep, 7:45 pm IST
Official source ↗ · Details →Added 7 Sep, 7:45 pm ISTजोड़ा गया 7 Sep, 7:45 pm IST
August 2026
Official source ↗ · Details →Added 19 Aug, 7:45 pm ISTजोड़ा गया 19 Aug, 7:45 pm IST
Official source ↗ · Details →Added 18 Aug, 7:46 pm ISTजोड़ा गया 18 Aug, 7:46 pm IST
Official source ↗ · Details →Added 18 Aug, 7:46 pm ISTजोड़ा गया 18 Aug, 7:46 pm IST
Commercial banks (44)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Urban co-operative banks (36)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Rural co-operative banks (30)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
June 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
November 2025
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Regional rural banks (27)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
June 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
March 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
November 2025
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Small finance banks (40)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Payments banks (28)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Local area banks (33)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Finance companies (39)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
All India financial institutions (22)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
November 2025
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Banks that handle foreign money (13)
June 2026
Official source ↗ · Details →Added 12 Aug, 6:19 am ISTजोड़ा गया 12 Aug, 6:19 am IST
Official source ↗ · Details →Added 12 Aug, 6:19 am ISTजोड़ा गया 12 Aug, 6:19 am IST
Official source ↗ · Details →Added 12 Aug, 6:19 am ISTजोड़ा गया 12 Aug, 6:19 am IST
Official source ↗ · Details →Added 12 Aug, 6:19 am ISTजोड़ा गया 12 Aug, 6:19 am IST
Official source ↗ · Details →Added 12 Aug, 6:19 am ISTजोड़ा गया 12 Aug, 6:19 am IST
Credit information companies (5)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
January 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
November 2025
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Asset reconstruction companies (5)
July 2026
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
November 2025
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
Official source ↗ · Details →Added 12 Aug, 7:19 am ISTजोड़ा गया 12 Aug, 7:19 am IST
13 must-read items · 3 deadlines ahead · 16 amended Master DirectionsDownload PDF ↓
16 must-read items · 3 deadlines ahead · 6 amended Master DirectionsDownload PDF ↓
9 must-read items · 3 deadlines ahead · 12 amended Master DirectionsDownload PDF ↓
8 must-read items · 3 deadlines ahead · 7 amended Master DirectionsDownload PDF ↓
7 must-read items · 3 deadlines ahead · 7 amended Master DirectionsDownload PDF ↓
5 must-read items · 3 deadlines ahead · 6 amended Master DirectionsDownload PDF ↓
5 must-read items · 3 deadlines ahead · 5 amended Master DirectionsDownload PDF ↓
7 must-read items · 3 deadlines ahead · 3 amended Master DirectionsDownload PDF ↓
5 must-read items · 3 deadlines ahead · 3 amended Master DirectionsDownload PDF ↓
5 must-read items · 3 deadlines ahead · 3 amended Master DirectionsDownload PDF ↓
6 must-read items · 3 deadlines ahead · 1 amended Master DirectionsDownload PDF ↓
5 must-read items · 3 deadlines ahead · 2 amended Master DirectionsDownload PDF ↓
5 must-read items · 3 deadlines ahead · 1 amended Master DirectionsDownload PDF ↓
BY WHEN: October 31, 2026
All cash-handling staff at the bank must be given FICN (fake note) detection training by this date.
Official source ↗
BY WHEN: November 7, 2026
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BY WHEN: March 31, 2028
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| Kind of lender | Penalties | Usual penalty |
|---|---|---|
| Urban co-operative banks | 195 | ₹1.09 lakh |
| Rural co-operative banks | 110 | ₹1.50 lakh |
| Non-banking finance companies | 54 | ₹3.10 lakh |
| Commercial banks | 50 | ₹50 lakh |
| Housing finance companies | 9 | ₹80,000 |
₹5 lakh — Rules involved: Know Your Customer (KYC)
RBI press release ↗
₹3.10 lakh — Rules involved: Know Your Customer (KYC)
RBI press release ↗
₹10 lakh — Rules involved: Fair Practices Code for Lenders – Charging of Interest
RBI press release ↗
₹27.30 lakh — Rules involved: Income Recognition
RBI press release ↗
₹1.15 lakh — Rules involved: Membership of Credit Information Companies (CICs) by Co-operative Banks; Know Your Customer (KYC)
RBI press release ↗
₹6.20 lakh — Rules involved: Pricing of Microfinance Loans; Securitisation of Standard Assets
RBI press release ↗
₹1,19,400 — Rules involved: Framework for compensation to customers for delayed updation / rectification of credit information
RBI press release ↗
₹4.20 lakh — Rules involved: Early Recognition of Stress and Reporting to Central Repository of Information on Large Credits (CRILC)
RBI press release ↗
₹6,89,600 — Rules involved: Framework for compensation to customers for delayed updation/ rectification of credit information
RBI press release ↗
₹26,82,800 — Rules involved: Framework for compensation to customers for delayed updation/ rectification of credit information
RBI press release ↗
₹2.03 lakh — Rules involved: Membership of Credit Information Companies (CICs) by Co-operative Banks; Know Your Customer (KYC)
RBI press release ↗
₹20,000/- — Details in the source press release.
RBI press release ↗
₹50,000 — Rules involved: Membership of Credit Information Companies (CICs) by Co-operative Banks; Know Your Customer (KYC)
RBI press release ↗
₹1 lakh — Rules involved: Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs
RBI press release ↗
₹2 lakh — Details in the source press release.
RBI press release ↗
₹2.50 lakh — Rules involved: Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs; Loans and advances to directors, their relatives, and firms / concerns in which they are interested
RBI press release ↗
₹2.70 lakh — Rules involved: Reserve Bank of India (Know Your Customer (KYC)) Directions
RBI press release ↗
₹8.10 lakh — Rules involved: Governance; Reserve Bank of India (Know Your Customer (KYC)) Directions
RBI press release ↗
₹2.70 lakh — Rules involved: Reserve Bank of India (Know Your Customer (KYC)) Directions
RBI press release ↗
₹59.20 lakh — Rules involved: Interest Rate on Deposits; Securitisation of Standard Assets
RBI press release ↗
₹6.20 lakh — Rules involved: Disclosures in Financial Statements - Notes to Accounts; Internal Ombudsman for Regulated Entities
RBI press release ↗
₹3.10 lakh — Rules involved: Asset Classification
RBI press release ↗
₹2.50 lakh — Details in the source press release.
RBI press release ↗
₹1.80 lakh — Details in the source press release.
RBI press release ↗
₹50,000 — Rules involved: Know Your Customer (KYC); Ensuring Reasonableness of Bank Charges and Charges Levied for Sending SMS Alerts
RBI press release ↗
₹5.40 lakh — Rules involved: Reserve Bank of India (Know Your Customer (KYC)) Directions; Fair Practice Code
RBI press release ↗
₹2.70 lakh — Rules involved: Reserve Bank of India (Know Your Customer (KYC)) Directions
RBI press release ↗
₹3.90 lakh — Rules involved: Governance; Submission of data to Credit Information Companies (CICs)
RBI press release ↗
₹40,000/- — Rules involved: Know Your Customer (KYC); Supervisory Action Framework (SAF)
RBI press release ↗
₹1 lakh — Details in the source press release.
RBI press release ↗
₹7 lakh — Details in the source press release.
RBI press release ↗
₹10.10 lakh — Rules involved: Membership of Credit Information Companies (CICs) by Co-operative Banks
RBI press release ↗
₹50,000/- — Rules involved: Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs
RBI press release ↗
₹11 lakh — Rules involved: Housing Finance for UCBs; Interest Rate on Deposits
RBI press release ↗
₹1 lakh — Rules involved: Interest Rate on Deposits
RBI press release ↗
₹1 lakh — Rules involved: Inspection & Audit Systems in Primary (Urban) Co-operative Banks
RBI press release ↗
₹13.30 lakh — Details in the source press release.
RBI press release ↗
₹50,000/- — Details in the source press release.
RBI press release ↗
₹50,000/- — Rules involved: Know Your Customer (KYC)
RBI press release ↗
₹13.30 lakh — Details in the source press release.
RBI press release ↗
₹1 lakh — Rules involved: Loans and Advances to Directors, their Relatives, and Firms / Concerns in which they are Interested
RBI press release ↗
₹3 lakh — Rules involved: Know Your Customer (KYC)
RBI press release ↗
₹6.20 lakh — Rules involved: Governance; Credit/Investment Concentration Norms
RBI press release ↗
₹2.70 lakh — Rules involved: Reserve Bank of India (Know Your Customer (KYC)) Directions
RBI press release ↗
₹2.70 lakh — Rules involved: Asset Classification
RBI press release ↗
₹3.10 lakh — Rules involved: Credit / investment concentration Norms
RBI press release ↗
₹3.10 lakh — Rules involved: Asset Classification
RBI press release ↗
₹5.80 lakh — Rules involved: Reserve Bank of India Know Your Customer (KYC) Directions
RBI press release ↗
₹13 lakh — Rules involved: Finance for Housing Schemes – UCBs; Know Your Customer (KYC)
RBI press release ↗
₹50,000/- — Rules involved: Know Your Customer (KYC)
RBI press release ↗
₹8 lakh — Rules involved: Know Your Customer (KYC)
RBI press release ↗
₹10 lakh — Details in the source press release.
RBI press release ↗
₹13.30 lakh — Rules involved: Board of Directors - UCBs
RBI press release ↗
₹3.10 lakh — Rules involved: Reserve Bank of India (Know Your Customer (KYC)) Directions
RBI press release ↗
₹63.60 lakh — Rules involved: Fair Practices Code for Lenders; Know Your Customer (KYC)
RBI press release ↗
₹1 lakh — Rules involved: Limits on exposure to single and group borrowers/parties and large exposures and Revision in the target for priority sector lending – UCBs; Supervisory Action Framework (SAF)
RBI press release ↗
₹1.05 lakh — Rules involved: Membership of Credit Information Companies (CICs) by Co-operative Banks
RBI press release ↗
₹10,000/- — Rules involved: Know Your Customer (KYC)
RBI press release ↗
₹1.50 lakh — Rules involved: Loans and advances to directors, their relatives, and firms / concerns in which they are interested; Small Value Loans – Primary (Urban) Co-operative Banks (UCBs)
RBI press release ↗