Other personal loan rules, gathered in one place
10 points name personal 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 personal 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
Master Circular - Management of Advances - UCBs
1 point on this rulebook names it
A floating rate personal loan needs headroom for a longer term or a bigger instalment.
named by the words personal loan · RBI Para 4 · Read it in place
Reserve Bank of India (All India Financial Institutions – Transfer and Distribution of Credit Risk) Directions, 2025
1 point on this rulebook names it
A pool of alike personal loans acquired may sit in the books as a single asset. Everything else stays loan by loan.
named by the words personal loan · RBI Para 67 · Read it in place
Reserve Bank of India (Rural Co-operative Banks – Interest Rates on Advances) Directions, 2025
1 point on this rulebook names it
A small personal loan needs a proper approval step that looks at the borrower's cash flow.
named by the words personal loan · RBI Para 8(1) · Read it in place
Reserve Bank of India (Urban Co-operative Banks – Interest Rates on Advances) Directions, 2025
1 point on this rulebook names it
A small personal loan needs a proper approval step that looks at the borrower's cash flow.
named by the words personal loan · RBI Para 7(1) · Read it in place
Reserve Bank of India (Regional Rural Banks – Interest Rates on Advances) Directions, 2025
1 point on this rulebook names it
A small personal loan needs a proper approval step that looks at the borrower's cash flow.
named by the words personal loan · RBI Para 7(1) · Read it in place
Reserve Bank of India (Local Area Banks – Interest Rates on Advances) Directions, 2025
1 point on this rulebook names it
The rate on a small personal loan must be justifiable against real cost.
named by the words personal loan · RBI Para 5(9) · Read it in place
Reserve Bank of India (Small Finance Banks – Interest Rates on Advances) Directions, 2025
1 point on this rulebook names it
The rate on a small personal loan must be justifiable against real cost.
named by the words personal loan · RBI Para 5(9) · Read it in place
Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025
1 point on this rulebook names it
Consumer credit, including personal loans, carries a 125 per cent risk weight.
named by the words personal loan · RBI Para 71 · Read it in place
Reserve Bank of India (Commercial Banks - Capital Charge for Credit Risk – Standardised Approach) Directions, 2026 (Effective from April 1, 2027)
1 point on this rulebook names it
Personal loans and credit card dues outside the retail pool weigh 125 per cent.
named by the words personal loan · RBI Para 14 · Read it in place
Reserve Bank of India (Commercial Banks - Asset Classification, Provisioning and Income Recognition) Directions, 2026
1 point on this rulebook names it
An unsecured personal loan is provisioned at 1% at first, rising to 5% if risk grows.
named by the words Unsecured Retail · RBI Para 82 · Read it in place
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