Reserve Bank of India (All India Financial Institutions - Miscellaneous) Supervisory Directions, 2026

1. One supervisory rulebook

This book holds RBI's mixed supervisory rules for the All India Financial Institutions in one place.

1. Start date

These rules took effect the day RBI issued them.

BankPulse example. There is no gap here between issue and effect. The Directions come into effect immediately upon issuance. A bank cannot wait for a separate start date, because there is none.

2. Words from the Acts

Any other word takes its meaning from the RBI Act, the Banking Regulation Act or the Companies Act.

1. Auditor certificates needed

The statutory central auditors must certify treasury work and the matching of the institution's investments.

2. Send them to RBI

A copy of each certificate goes to RBI's Senior Supervisory Manager as soon as the balance sheet is settled.

1. Build a compliance tool

A firm must put in place a single, workflow-based tool that makes its compliance work more effective.

2. Pick what suits your size

The firm may choose the tools it prefers, judged by the size and spread of its own business.

1. Quarterly anti-graft return

An action plan on anti-corruption measures goes to RBI every quarter through the Vigilance Monitoring Return.

2. Train your investigators

The institution must build a list of staff suited to investigation and forensic work, and train them.

1. Old instructions repealed

The old rules on these matters were repealed by RBI's own circular.

BankPulse example. A compliance officer keeps an old circular on the same subject in the manual. It no longer applies. The existing directions, instructions and guidelines on these areas stand repealed. Only this rulebook governs them now.

2. Earlier action stands

What was done or begun under the old rules is still ruled by them.

BankPulse example. A show cause notice was issued under the old rules last year. The repeal does not move it. Any action taken or initiated under the repealed directions is still governed by them. The new rulebook applies to what comes after.

3. Adds to other law

These rules add to other laws in force. They take nothing away.

BankPulse example. A bank follows these Directions and thinks the matter is closed. It is not. Any other laws, rules, regulations or directions in force still apply on top. Where another one asks for more, the bank does the more.

4. RBI's reading is final

RBI may clear up doubts, and its reading of any clause is final.