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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.

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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Credit Cards and Debit Cards

Reserve Bank of India (RBI) has issued directions on issuance of credit cards and debit cards. To whom are the directions applicable? The directions are applicable to the following Regulated Entities (REs) – Commercial Banks  Small Finance Banks (SFBs) Regional Rural Banks (RRBs) Primary (Urban) Co-operative Banks (UCBs) Non-Banking Financial Companies (NBFCs) for all layers – NBFC-Investment and Credit Companies (NBFC-ICC) NBFC-Factor  NBFC-Micro Finance Institutions (NBFC-MFI)  Housing Finance Company (HFC)  What is a credit card? Credit Card is a physical / virtual payment instrument issued with a pre-approved revolving credit limit that can be used to purchase goods and services or draw cash advances. What is a debit card? Debit Card is a physical / virtual payment instrument linked to a Savings Bank / Current Account which can be used to withdraw cash, make online payments, do Point of Sale (PoS) terminal / Quick Response (QR) code transactions, fund transfer, e...
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Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)

Reserve Bank of India (RBI) has issued the directions on maintenance of Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) by banks. To whom are the directions applicable? The directions are applicable to the following Regulated Entities (REs) – Commercial Banks  Small Finance Banks (SFBs) Payments Banks (PBs) Local Area Banks (LABs) Regional Rural Banks (RRBs) Primary (Urban) Co-operative Banks (UCBs) Rural Co-operative Banks – State Co-operative Banks (StCBs) District Central Co-operative Banks (DCCBs) What is CRR? Every bank shall maintain in India by way of cash reserve, a sum equivalent to such percent of its Net Demand and Time Liabilities (NDTL) in India, as the RBI in terms of Section 42(1) of the RBI Act, 1934 (for scheduled banks) and Section 18(1) of the Banking Regulation Act (BR Act), 1949 (for non-scheduled banks) [including provisions of Section 18(1) of the BR Act as applicable to co-operative banks], may specify. What is incremental CRR? In terms of Secti...
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Special Rupee Vostro Accounts (SRVAs)

Reserve Bank of India (RBI) has consolidated the guidelines governing Special Rupee Vostro Accounts (SRVAs). Who can open and maintain Special Rupee Vostro Accounts (SRVAs)? Authorised Dealer (AD) banks in India may open Special Rupee Vostro Accounts (SRVAs) of its branch outside India or a bank resident outside India. Which transactions can be settled through SRVA? The settlement of cross-border trade transactions through SRVA is an additional arrangement for invoicing, payment and settlement of exports and imports in Indian Rupee (INR).  All permissible capital and current account transactions under Foreign Exchange Management Act (FEMA) may be settled through the SRVA.  AD banks maintaining SRVA are permitted to open additional current account for exporter / importer, exclusively for settlement of export / import transactions. What can be the source and use of funds in SRVA? SRVA may be funded by way of inward remittances or transfer from other repatriable INR accounts in t...
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Payment of Agency Commission to Agency Banks (ABs) and Disbursement of Government Pension by ABs

Reserve Bank of India (RBI) has issued guidelines on the conduct of Government business by Agency Banks (ABs), payment of agency commission to ABs and disbursement of Government pension by ABs. Who are ABs? ABs mean all Public Sector Banks (PSBs), scheduled Private Sector Banks (PVBs), scheduled Payments Banks (PBs), and scheduled Small Finance Banks (SFBs) appointed by the RBI under Section 45 of the RBI Act, 1934, by mutual agreement, to carry out Government banking business of the Central Government (CG) / State Governments (SGs). What is agency commission? Agency commission means the remuneration paid by the RBI to an AB in consideration of it acting as an agent of the RBI in the conduct of general banking business of the CG and the SGs at the places and in the manner specified in the agreement between the RBI and the bank, with the exception of the functions relating to the management of the public debt. What are the guidelines on appointment of ABs? Any eligible bank which intend...
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Highlights of RBI Annual Report 2025-26 – Chapter 7 to 12

Reserve Bank of India (RBI) has published its annual report for the financial year 2025-26. In a series of articles, we will go through the highlights of the report. This is the fifth and final article in the series.  Chapter 7 – Public Debt Management The ways and means advances (WMA) limit for the Government of India (GoI) for H1:2025-26 (April to September 2025) was fixed at ₹1,50,000 crore and for H2:2025-26 (October 2025 to March 2026) was fixed at ₹50,000 crore. The RBI entered into an agreement with the Government of National Capital Territory of Delhi (GNCTD), under Section 21A(1) of the RBI Act, 1934, to carry on the general banking business of GNCTD and manage its rupee public debt. The WMA limit of GNCTD was set at ₹890 crore, taking the aggregate WMA limit of all the states / UTs to ₹61,008 crore. The RBI introduced Separate Trading of Registered Interest and Principal of Securities (STRIPS) in the state government securities. Retail Direct Gilt (RDG) account – An au...
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