Priority Sector Lending
Every RBI rule that touches Priority Sector Lending, simplified for bankers. 8 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'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
RBI's Kisan Credit Card Directions for Commercial Banks (Effective Jan 1, 2027)
RBI issued the Reserve Bank of India [Commercial Banks - Kisan Credit Card (KCC) Scheme] Directions, 2026, applicable to
RBI Issues KCC Scheme Directions for Small Finance Banks, Effective January 2027
RBI has issued formal directions for Small Finance Banks under the Kisan Credit Card Scheme, effective January 01, 2027.
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
RBI Directions for Small Finance Banks - Kisan Credit Card Scheme
RBI issues directions for Small Finance Banks to provide Kisan Credit Card Scheme with a composite facility for 6 years,
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
Frequently asked questions
What counts as priority-sector lending?
Eligible categories include agriculture, micro/small/medium enterprises, export credit, education, housing within defined limits, social infrastructure, renewable energy and lending to weaker sections, each with its own conditions.
What are PSL Certificates?
Priority Sector Lending Certificates let a bank that has lent beyond its target sell the excess, and a bank short of its target buy it, without transferring the underlying loan. It is a market mechanism to meet sub-targets efficiently.
Do PSL targets differ by bank type?
Yes — targets and sub-targets vary across commercial banks, small finance banks, regional rural banks and co-operative banks. The applicable circular for your category is linked in the cluster below.
Related topics & data
Financial Inclusion / Priority Sector
family for this topic.
Home Loans
Related BankPulse topic cluster.
Co-operative Banks
Related BankPulse topic cluster.
Deposits / Interest Rates
Related BankPulse topic cluster.