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Archive 2026

This is an archive of the articles published on this blog in the descending order of the date of publication.

Regulatory Measures for the Foreign Exchange Market - https://inquisitivemind5.blogspot.com/2026/10/regulatory-measures-for-foreign.html

Credit Facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) - https://inquisitivemind5.blogspot.com/2026/10/credit-facilities-to-scheduled-castes.html

Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) - https://inquisitivemind5.blogspot.com/2026/08/cash-reserve-ratio-crr-and-statutory.html




Deposits between a person resident in India and a person resident outside India - https://inquisitivemind5.blogspot.com/2026/07/deposits-between-person-resident-in.html

Payment of Agency Commission to Agency Banks (ABs) and Disbursement of Government Pension by ABs - https://inquisitivemind5.blogspot.com/2026/07/payment-of-agency-commission-to-agency.html






Credit Facilities – Lending to REITs and InvITs and Acquisition Finance - https://inquisitivemind5.blogspot.com/2026/06/credit-facilities-lending-to-reits-and.html



Highlights of RBI Annual Report 2025-26 – Chapter 6 (Part II) - https://inquisitivemind5.blogspot.com/2026/06/highlights-of-rbi-annual-report-2025-26_091254324.html



Highlights of RBI Annual Report 2025-26 – Chapter 1 to 3 - https://inquisitivemind5.blogspot.com/2026/06/highlights-of-rbi-annual-report-2025-26.html


Credit Facilities – Loans against Financial Assets - https://inquisitivemind5.blogspot.com/2026/06/credit-facilities-loans-against.html


Credit Facilities – Finance to Non-Banking Financial Companies (NBFCs) - https://inquisitivemind5.blogspot.com/2026/05/credit-facilities-finance-to-non.html



Credit Facilities – Lending against Gold and Silver Collateral - https://inquisitivemind5.blogspot.com/2026/05/credit-facilities-lending-against-gold.html








Guidelines to facilitate faster cross-border inward payments - https://inquisitivemind5.blogspot.com/2026/04/guidelines-to-facilitate-faster-cross.html

FEMA - Borrowing and Lending [including External Commercial Borrowing (ECB) and Trade Credit (TC)] - https://inquisitivemind5.blogspot.com/2026/03/fema-borrowing-and-lending-including.html

Unique Transaction Identifier (UTI) for OTC Derivative Transactions - https://inquisitivemind5.blogspot.com/2026/03/unique-transaction-identifier-uti-for.html

Lending to Micro, Small & Medium Enterprises (MSMEs) Sector - https://inquisitivemind5.blogspot.com/2026/03/lending-to-micro-small-medium.html


Interest Subvention for Pre and Post Shipment Export Credit under Export Promotion Mission (EPM) – Niryat Prothsahan - https://inquisitivemind5.blogspot.com/2026/03/interest-subvention-for-pre-and-post.html



Modified Interest Subvention Scheme for Agricultural Loans - https://inquisitivemind5.blogspot.com/2026/02/modified-interest-subvention-scheme-for.html

Internal Ombudsman for Regulated Entities (Banks, NBFCs, PPI Issuers and CICs) - https://inquisitivemind5.blogspot.com/2026/02/internal-ombudsman-for-regulated.html

Reserve Bank - Integrated Ombudsman Scheme, 2026 (RB-IOS, 2026) - https://inquisitivemind5.blogspot.com/2026/02/reserve-bank-integrated-ombudsman.html

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Regulatory Measures for the Foreign Exchange Market

Reserve Bank of India (RBI) has announced regulatory measures for the foreign exchange market. Cancellation and rebooking / rollovers of foreign exchange derivative contracts An Authorised Dealer shall not permit users to rebook any foreign exchange derivative contract involving the INR, whether deliverable or non-deliverable, which has been cancelled with any of the Authorised Dealers. An Authorised Dealer may, however, continue to permit users to rollover foreign exchange derivative contracts on maturity, subject to compliance with the extant directions. Threshold limit for taking positions without requirement to establish the existence of underlying Authorised Dealers were permitted to allow users to take positions upto USD 100 million equivalent of notional value (outstanding at any point of time), across all Authorised Dealers, for hedging contracted exposure without the requirement to establish the existence of underlying exposure.  Further, a user was allowed to take positio...
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Reserve Bank of India Act, 1934 – Part-IV – Section 42 to 45 (updated as on April 15, 2025)

The Reserve Bank of India Act, 1934 provides the statutory basis of the functioning of the Reserve Bank of India (RBI). In a series of articles, we will briefly go through the provisions of RBI Act, 1934. This is the fourth article in the series.  Section 42 – Cash reserves of scheduled banks to be kept with the Bank (updated as on April 15, 2025) 42(1) – Every bank included in the Second Schedule shall maintain with RBI an average daily balance at a percent (notified by RBI) of its total demand and time liabilities in India. For the purpose, fortnight means the period from the first day to the 15th day of each calendar month or 16th to the last day of each calendar month, both days inclusive. 42(1A) – RBI may direct every scheduled bank to maintain with RBI, in addition to the balance prescribed under Section 42(1), an additional average daily balance at a rate (specified by RBI). 42(1C) – RBI may specify any transaction or class of transactions to be regarded as liability in...
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Reserve Bank of India Act, 1934 – Part-VII – Section 45S to 45Y

The Reserve Bank of India Act, 1934 provides the statutory basis of the functioning of the Reserve Bank of India (RBI). In a series of articles, we will briefly go through the provisions of RBI Act, 1934. This is the seventh article in the series.  Chapter IIIC – Prohibition of Acceptance of Deposits by Unincorporated Bodies Section 45S – Interpretation An individual / firm / unincorporated association of individuals shall not accept any deposits if – his / its business wholly or partly includes the activities specified in Section 45-I. his / its principal business is that of receiving deposits, or lending in any manner. Section 45T – Power to issue search warrants On an application by RBI / State Government, the Court to issue search warrant for the documents relating to acceptance of deposits in contravention of the provisions of Section 45S. Chapter IIID – Regulation of Transactions in Derivatives, Money Market Instruments, Securities, etc. Section 45V – Transactions in derivati...
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Credit Facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

Reserve Bank of India (RBI) has issued guidelines on credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs). What are the guidelines on credit facilities to SCs & STs? District Level Consultative Committees formed under the Lead Bank Scheme should continue to be the principal mechanism of co-ordination between banks and development agencies.  National Scheduled Tribes Finance & Development Corporation and National Scheduled Castes Finance & Development Corporation have been set up under the administrative control of Ministry of Tribal Affairs and Ministry of Social Justice & Empowerment, respectively. Banks should advise their branches / controlling offices to render all the necessary institutional support to enable these institutions to achieve the desired objectives. Loans sanctioned to State Sponsored Organisations for Scheduled Castes / Scheduled Tribes for the specific purpose of purchase and supply of inputs and / or the marketing of the out...
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What is revised branch authorization policy for UCBs?

Reserve Bank of India (RBI) has revised the branch authorisation policy for Urban Co-operative Banks (UCBs). What is the basis of revised norms? Reserve Bank of India (RBI) had constituted the Expert Committee on Urban Co-operative Banks on February 15, 2021, under the Chairmanship of Shri N. S. Vishwanathan, former Deputy Governor, RBI. Based on the recommendations of the committee, RBI has revised the regulatory framework for Urban Co-operative Banks (UCBs) [ What is revised regulatory framework for Urban Co-operative Banks (UCBs) ]? In December 2022, RBI had revised the norms for classification of UCBs as Financially Sound and Well Managed (FSWM) . What is revised branch authorization policy for UCBs? UCBs in all Tiers (except Salary Earners’ Banks) identified as Financially Sound and Well Managed (FSWM) , are permitted to open new branches up to 10% of the number of full-fledged branches (at the end of previous financial year) in a financial year, subject to a maximum of 5 branches...
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