BLOG 1/2026 DATED 2ND JANUARY 2026
In this document we have covered the select RBI notifications and directives for the month of Dec 2025 and produced a gist of it. For detailed and full study, link is provided that will take us to the RBI communication.
NOTIFICATIONS:
RBI/2025-26/103 DOR.MCS.REC.No.310/01-01-032/2025-26 dated 04.12.2025
Subject: Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Amendment Directions, 2025
amendment-direction_rbc_commercial-banks_01122025
Gist:
Banks shall provide following minimum basic services to BSBD accountholder.
(1) Deposit of cash.
(2) Receipt of money through any electronic channel or deposit / collection of cheques.
(3) No limit on number and value of deposits that can be made in a month.
(4) ATM Card or ATM-cum-Debit Card. Further, no charges shall be levied.
(5) Cheque book with minimum 25 cheque leaves per year.
(6) Internet and mobile banking facility.
(7) Passbook or monthly statement of account in lieu of passbook, either in print or by email, as per request of the account holder. .
(8) Minimum of four free withdrawals, including transfers and ATM transactions (done either at the bank’s own ATM or another bank’s ATM), in a month.
- RBI/2025-26/128 DOR.STR.REC.336/21-04-048/2025-26 dated 04.12.2025
Subject: Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2025
https://website.rbi.org.in/documents/d/rbi/cb-amendment-directions-irac
Gist:
Additional Provisioning norm of 3% on exposure over and above NPLL to specified borrowers has been withdrawn.
- RBI/2025-26/128 DOR.STR.REC.336/21-04-048/2025-26 dated 04.12.2025
Subject: Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Amendment Directions, 2025
https://website.rbi.org.in/documents/d/rbi/cb-amendment-directions-capital_adequacy130pdf
Gist:
w.e.f: 01.01.2026
Additional Risk Weight of 75 percentage points on exposure over and above NPLL to specified borrowers has been withdrawn
- RBI/2025-26/141 DOR.CRE.REC.347/07-02-001/2025-26 dated 11.12.2025
Subject: Reserve Bank of India (Commercial Banks – Credit Risk Management) – Amendment Directions, 2025
https://website.rbi.org.in/documents/d/rbi/141commercial-banks-amendment-directions
Gist:
A bank may maintain current account or OD account without any restriction in case of customers where the aggregate exposure of the banking system to the customer is less than ₹10 crore.
In case of customers to whom the exposure of the banking system is ₹10 crore or more:
- A bank may maintain current accounts/OD provided that the bank has either: (i) A minimum 10 per cent share in banking system’s aggregate exposure to the borrower; or (ii) A minimum 10 per cent share in banking system’s aggregate fund-based exposure to the borrower.
(2) A bank, not meeting the eligibility criteria, may maintain only collection accounts.
- RBI/2025-26/148 DOR.RET.REC.354/12.01.001/2025-26 dated 11.12.2025
Subject: Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025
https://website.rbi.org.in/documents/d/rbi/148amended-directions_cbs
Gist:
Reporting of CRR and SLR timing is changed from the alternate Fridays to 15th and last day of the month.
- RBI/2025-26/156 CO.DPSS.RLPD.No.S1039/04-07-001/2025-2026 dated 24.12.2025
Subject: Continuous Clearing and Settlement on Realisation in Cheque Truncation System- Phase 2
https://website.rbi.org.in/documents/d/rbi/circularcontinuousclearingphase2
Gist:
Phase 2 of the continuous clearing & settlement in cheque truncation postponed until further orders.
Timing modification
| Event | Present timings | Revised timings |
| Presentation session | 10. AM to 4.00 PM | 9.00 AM to 3.00 PM |
| Confirmation session | 10.00 AM to 7.00 PM | 9.00 AM to 7.00 PM |
First phase was implemented on 4th Oct 2025 and 2nd phase was expected from 3rd Jan 2025. For details of the earlier communication refer https://atsillypoint.com/selected-rbi-circulars-1-7-25-to-10-9-25/
POLICY RATES
REPO rate under Liquidity Adjustment Facility reduced to 5.25%
Standing Deposit Facility Rate (SDF) 5.00%
Marginal Standing Facility Rate (MSF) 5.50%
Fixed Reverse Repo Rate 3.35%
Bank Rate 5.50%
Penal interest for shortfall of CRR & SLR BR +3% = 8.50%
BR + 5% = 10.50%
RESERVE RATES
CRR 3%
SLR 18%
Authors Note: For shortfall in CRR and SLR of 3 days or less a rate of Bank Rate + 3% is charged by RBI while for shortfall of above 3 days a penal rate of Bank Rate + 5% is charged.
About the author: The author of the Blog, Sayed Azhar Hasan, is a CFA (ICFAI), MBA, PGDIBF (Islamic Banking and Finance), ex banker with 29 years of banking experience and a management educator.
On social media:
LinkedIn : Sayed Azhar Hasan | LinkedIn
You Tube: Sayed Azhar Hasan – YouTube
Disclaimer: The information provided in this blog is for educational and informational purposes only and does not constitute professional financial, legal, or regulatory advice. While efforts have been made to ensure accuracy based on the RBI circulars, readers should consult official Reserve Bank of India (RBI) guidelines and professional advisors before making business or investment decisions. The views expressed are those of the author and do not necessarily reflect the official policy of any banking institution or regulatory body.
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