Find your rules by product
A gold loan officer should not read a hundred points to reach four. This page sorts every point on the site by the product it names in RBI's own wording.
This is not the whole of your rulebook.
- 1,237 points on this site name a product. 17,394 name none.
- The unnamed ones bind every product. They are the larger part of the law.
- RBI writes rules by subject and by risk, not product by product. Only its statistics are sorted by product.
- So a product page narrows what you read first. It never shortens what binds you.
Personal loans
- Credit card167 points across 39 rulebooks
- Housing loan82 points across 43 rulebooks
- Gold loan38 points across 24 rulebooks
- Advance against securities29 points across 20 rulebooks
- Other personal loan10 points across 10 rulebooks
- Advance against deposit3 points so far. Too few for a page of its own.
- Vehicle loan1 point so far. Too few for a page of its own.
- Education loan1 point so far. Too few for a page of its own.
- Consumer durable loan1 point so far. Too few for a page of its own.
Business lending
- Microfinance125 points across 58 rulebooks
- Working capital114 points across 55 rulebooks
- Agriculture loan91 points across 50 rulebooks
- MSME loan43 points across 26 rulebooks
- Infrastructure finance42 points across 21 rulebooks
- Commercial real estate15 points across 10 rulebooks
Trade and foreign exchange
- Foreign exchange176 points across 60 rulebooks
- Trade finance51 points across 25 rulebooks
- Export credit11 points across 9 rulebooks
Deposits and payments
- Deposit account229 points across 91 rulebooks
- Digital payment94 points across 28 rulebooks
Where the list came from
The products above follow the classification the Reserve Bank publishes each month in its table of Sectoral Deployment of Bank Credit. The deposit, payment, trade and foreign exchange families are added because banks staff them as departments.
No point carries a product label unless the product's own name appears in the text. The words that earned each label are printed beside it, so a reader can disagree with us.
Where to go
Your own desk
Choose your institution and your desk, and keep only what reaches you.
Set up the desk →