Skip to main content

Regulation and Supervision


Regulation and Supervision

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

Credit Cards and Debit Cards - https://inquisitivemind5.blogspot.com/2026/07/credit-cards-and-debit-cards.html

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

Credit Facilities – Others - https://inquisitivemind5.blogspot.com/2026/06/credit-facilities-others.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 – Microfinance Loans - https://inquisitivemind5.blogspot.com/2026/05/credit-facilities-microfinance-loans.html

Credit Facilities – Gold Metal Loans - https://inquisitivemind5.blogspot.com/2026/05/credit-facilities-gold-metal-loans.html

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

Credit Facilities – Digital Lending Guidelines - https://inquisitivemind5.blogspot.com/2026/05/credit-facilities-digital-lending.html

Treatment of Wilful Defaulters and Large Defaulters - https://inquisitivemind5.blogspot.com/2026/05/treatment-of-wilful-defaulters-and.html

Credit Information Reporting - https://inquisitivemind5.blogspot.com/2026/05/credit-information-reporting.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

Directions on Trade Relief Measures - https://inquisitivemind5.blogspot.com/2025/12/directions-on-trade-relief-measures.html

Nomination Facility in Banks - https://inquisitivemind5.blogspot.com/2025/11/nomination-facility-in-banks.html

Investments in Non-SLR instruments by State Co-operative Banks (StCBs) and Central Co-operative Banks (CCBs) - https://inquisitivemind5.blogspot.com/2025/10/investments-in-non-slr-instruments-by.html

Non-Fund Based Credit Facilities - https://inquisitivemind5.blogspot.com/2025/08/non-fund-based-credit-facilities.html

Co-Lending Arrangements (CLAs) - https://inquisitivemind5.blogspot.com/2025/08/co-lending-arrangements-clas.html

Investment in Alternative Investment Funds (AIFs) - https://inquisitivemind5.blogspot.com/2025/08/investment-in-alternative-investment.html

Pre-payment Charges on Loans - https://inquisitivemind5.blogspot.com/2025/07/pre-payment-charges-on-loans.html

Prior approvals from or intimations / reporting to RBI by NBFC-BL - https://inquisitivemind5.blogspot.com/2025/05/prior-approvals-from-or-intimations.html

Appointments to be made by NBFC-BL - https://inquisitivemind5.blogspot.com/2025/05/appointments-to-be-made-by-nbfc-bl.html

Disclosures to be made by NBFC-BL - https://inquisitivemind5.blogspot.com/2025/05/disclosures-to-be-made-by-nbfc-bl.html

Policies to be formulated by NBFC-BL - https://inquisitivemind5.blogspot.com/2025/05/policies-to-be-formulated-by-nbfc-bl.html

Committees to be constituted by NBFC-BL - https://inquisitivemind5.blogspot.com/2025/05/committees-to-be-constituted-by-nbfc-bl.html

Opening of and operation in deposit accounts of minors - https://inquisitivemind5.blogspot.com/2025/04/opening-of-and-operation-in-deposit.html

Framework for recognising Self-Regulatory Organisations for the Account Aggregator Ecosystem (SRO-AA) - https://inquisitivemind5.blogspot.com/2025/04/framework-for-recognising-self.html

Prevention of financial frauds perpetrated using voice calls and SMS - https://inquisitivemind5.blogspot.com/2025/01/prevention-of-financial-frauds.html

Government Debt Relief Schemes (DRS) - https://inquisitivemind5.blogspot.com/2025/01/government-debt-relief-schemes-drs.html

Guidance Note on Operational Risk Management and Operational Resilience - https://inquisitivemind5.blogspot.com/2024/09/guidance-note-on-operational-risk.html

Framework for Recognition of Self-Regulatory Organisations (SROs) in Financial Markets regulated by RBI - https://inquisitivemind5.blogspot.com/2024/09/framework-for-recognition-of-self.html

Review of regulatory framework for HFCs and harmonisation of regulations applicable to HFCs and NBFCs - https://inquisitivemind5.blogspot.com/2024/08/review-of-regulatory-framework-for-hfcs.html

Prudential Treatment of Bad and Doubtful Debt Reserve by Co-operative Banks - https://inquisitivemind5.blogspot.com/2024/08/prudential-treatment-of-bad-and.html

Declaration of dividend by UCBs - https://inquisitivemind5.blogspot.com/2024/08/declaration-of-dividend-by-ucbs.html

When are UCBs placed under PCA? What are its implications? - https://inquisitivemind5.blogspot.com/2024/07/when-are-ucbs-placed-under-pca-what-are.html

Fraud Risk Management in Commercial Banks (including RRBs), AIFI, UCBs, StCBs, CCBs and NBFCs (including HFCs) - https://inquisitivemind5.blogspot.com/2024/07/fraud-risk-management-in-commercial.html

Recognition of Self-Regulatory Organisations (SROs) for Non-Banking Financial Companies (NBFCs) - https://inquisitivemind5.blogspot.com/2024/06/recognition-of-self-regulatory.html

Framework for Self-Regulatory Organisations in the FinTech Sector - https://inquisitivemind5.blogspot.com/2024/06/framework-for-self-regulatory.html

Asset Reconstruction Companies (ARCs) - https://inquisitivemind5.blogspot.com/2024/05/asset-reconstruction-companies-arcs.html

Banks' Exposure to Capital Market - Issue of Irrevocable Payment Commitments (IPCs) - https://inquisitivemind5.blogspot.com/2024/05/banks-exposure-to-capital-market-issue.html

Fair Practices Code for Lenders – Charging of Interest - https://inquisitivemind5.blogspot.com/2024/05/fair-practices-code-for-lenders.html

Voluntary transition of Small Finance Banks to Universal Banks - https://inquisitivemind5.blogspot.com/2024/04/voluntary-transition-of-small-finance.html

Key Facts Statement (KFS) for Loans & Advances - https://inquisitivemind5.blogspot.com/2024/04/key-facts-statement-kfs-for-loans.html

Omnibus framework for recognising SROs for Regulated Entities - https://inquisitivemind5.blogspot.com/2024/03/omnibus-framework-for-recognising-self.html

Submission of Supervisory Returns by NBFCs - https://inquisitivemind5.blogspot.com/2024/02/submission-of-supervisory-returns-by.html

Credit / Investment Concentration Norms and Large Exposures Framework for NBFCs - https://inquisitivemind5.blogspot.com/2024/02/credit-investment-concentration-norms.html

Exposure Norms for UCBs - https://inquisitivemind5.blogspot.com/2024/02/exposure-norms-for-ucbs.html

Guidelines on Participation of Indian Banks on IIBX - https://inquisitivemind5.blogspot.com/2024/02/guidelines-on-participation-of-indian.html

Inclusion of UCBs in the Second Schedule to the RBI Act, 1934 - https://inquisitivemind5.blogspot.com/2024/02/inclusion-of-ucbs-in-second-schedule-to.html

Appointment / Re-appointment of Statutory Auditors of StCBs and CCBs - https://inquisitivemind5.blogspot.com/2024/02/appointment-re-appointment-of-statutory.html

Systematically Important Banks (SIBs) - https://inquisitivemind5.blogspot.com/2024/01/systematically-important-banks.html

Inoperative Accounts / Unclaimed Deposits in Banks - https://inquisitivemind5.blogspot.com/2024/01/inoperative-accounts-unclaimed-deposits.html

Corporate Governance in Banks - Appointment of Directors and Constitution of Committees of the Board - https://inquisitivemind5.blogspot.com/2023/12/corporate-governance-in-banks.html

Guidelines on acceptance of bulk deposits by banks - https://inquisitivemind5.blogspot.com/2023/12/guidelines-on-acceptance-of-bulk.html

Opening / shifting / closure of place of business by DCCBs - https://inquisitivemind5.blogspot.com/2023/11/opening-shifting-closure-of-place-of.html

Who are Account Aggregators? - https://inquisitivemind5.blogspot.com/2023/11/who-are-account-aggregators.html

Regulatory measures for credit exposures of bank and NBFCs - https://inquisitivemind5.blogspot.com/2023/11/regulatory-measures-for-credit.html

Classification, Valuation and Operation of Investment Portfolio of Banks - https://inquisitivemind5.blogspot.com/2023/10/classification-valuation-and-operation.html

HARBINGER – Global Hackathon of RBI - https://inquisitivemind5.blogspot.com/2023/10/harbinger-global-hackathon-of-rbi.html

Guidelines on Bullet Repayment of Gold Loans of UCBs - https://inquisitivemind5.blogspot.com/2023/10/guidelines-on-bullet-repayment-of-gold.html

Release of Documents on Closure of Personal Loans - https://inquisitivemind5.blogspot.com/2023/10/release-of-documents-on-closure-of.html

Reset of Floating Interest Rate on EMI based Personal Loans - https://inquisitivemind5.blogspot.com/2023/10/reset-of-floating-interest-rate-on-emi.html

Regulatory Framework for IDF-NBFCs - https://inquisitivemind5.blogspot.com/2023/08/regulatory-framework-for-idf-nbfcs.html

Penal Charges in Loan Accounts - https://inquisitivemind5.blogspot.com/2023/08/penal-charges-in-loan-accounts.html

Highlights of RBI Annual Report 2022-23– Chapter 6 (Part II) - https://inquisitivemind5.blogspot.com/2023/07/highlights-of-rbi-annual-report-2022-23_26.html

Highlights of RBI Annual Report 2022-23– Chapter 6 (Part I) - https://inquisitivemind5.blogspot.com/2023/07/highlights-of-rbi-annual-report-2022-23_25.html

What are Minimum Capital Requirements for Operational Risk? - https://inquisitivemind5.blogspot.com/2023/07/what-are-minimum-capital-requirements.html

Framework for Compromise Settlements and Technical Write-offs - https://inquisitivemind5.blogspot.com/2023/07/framework-for-compromise-settlements.html

What is revised branch authorization policy for UCBs? - https://inquisitivemind5.blogspot.com/2023/07/what-is-revised-branch-authorization.html

When are RRBs placed under PCA? What are its implications? - https://inquisitivemind5.blogspot.com/2023/05/when-are-rrbs-placed-under-pca-what-are.html

Outsourcing of Information Technology Services by RBI regulated entities - https://inquisitivemind5.blogspot.com/2023/05/outsourcing-of-information-technology.html

Provisioning for standard assets by UCBs - https://inquisitivemind5.blogspot.com/2023/04/provisioning-for-standard-assets-by-ucbs.html

Guidelines on Interest Rate Risk in Banking Book (IRRBB) - https://inquisitivemind5.blogspot.com/2023/04/guidelines-on-interest-rate-risk-in.html

What is the framework for acceptance of Green Deposits? - https://inquisitivemind5.blogspot.com/2023/04/what-is-framework-for-acceptance-of.html

Securitisation of Stressed Assets Framework (SSAF) - https://inquisitivemind5.blogspot.com/2023/01/securitisation-of-stressed-assets.html

Safe Deposit Locker / Safe Custody Article Facility - https://inquisitivemind5.blogspot.com/2023/01/safe-deposit-locker-safe-custody.html

Guidelines on Shareholdings in Banking Companies - https://inquisitivemind5.blogspot.com/2023/01/guidelines-on-shareholdings-in-banking.html

Credit rating agencies eligible for risk weighting banks’ claims - https://inquisitivemind5.blogspot.com/2023/01/credit-rating-agencies-eligible-for.html

Guidelines for ‘on tap’ licensing of Universal Banks in the Private Sector - https://inquisitivemind5.blogspot.com/2023/01/guidelines-for-on-tap-licensing-of.html

What is revised regulatory framework for UCBs? - https://inquisitivemind5.blogspot.com/2023/01/what-is-revised-regulatory-framework.html

Which UCBs are classified as Financially Sound and Well Managed (FSWM)? - https://inquisitivemind5.blogspot.com/2023/01/which-ucbs-are-classified-as.html

What are ‘Significant Benchmarks’? - https://inquisitivemind5.blogspot.com/2023/01/what-are-significant-benchmarks.html

What is the payments fraud reporting platform for banks? - https://inquisitivemind5.blogspot.com/2022/12/what-is-payments-fraud-reporting.html

Guidelines on opening of Current accounts and CC / OD accounts by banks - https://inquisitivemind5.blogspot.com/2022/12/guidelines-on-opening-of-current.html

SLR holdings in HTM category - https://inquisitivemind5.blogspot.com/2022/11/slr-holdings-in-htm-category.html?m=1

What are SOPs for Interoperable Regulatory Sandbox? - https://inquisitivemind5.blogspot.com/2022/11/what-are-sops-for-interoperable.html

What are eligibility criteria for offering Internet Banking facility by RRBs? - https://inquisitivemind5.blogspot.com/2022/11/what-are-eligibility-criteria-for.html

What are prudential norms on asset classification and provisioning? - https://inquisitivemind5.blogspot.com/2022/11/what-are-prudential-norms-on-asset.html

What is Scale Based Regulation (SBR) for NBFCs? - https://inquisitivemind5.blogspot.com/2022/11/what-is-scale-based-regulation-sbr-for.html

Reserve Bank of India Act, 1934 – Part-VII – Section 45S to 45Y - https://inquisitivemind5.blogspot.com/2022/10/reserve-bank-of-india-act-1934-part-vii.html

Reserve Bank of India Act, 1934 – Part-VI – Section 45K to 45QB - https://inquisitivemind5.blogspot.com/2022/10/reserve-bank-of-india-act-1934-part-vi.html

Reserve Bank of India Act, 1934 – Part-V – Section 45B to 45JA - https://inquisitivemind5.blogspot.com/2022/10/reserve-bank-of-india-act-1934-part-v.html

MoU between Reserve Bank of India and Bank Indonesia - https://inquisitivemind5.blogspot.com/2022/10/mou-between-reserve-bank-of-india-and.html

Reserve Bank of India Act, 1934 – Part-IV – Section 42 to 45 - https://inquisitivemind5.blogspot.com/2022/10/reserve-bank-of-india-act-1934-part-iv.html

What are Digital Banking Units (DBUs)? - https://inquisitivemind5.blogspot.com/2022/10/what-are-digital-banking-units-dbus.html

What is Financial Action Task Force (FATF)? - https://inquisitivemind5.blogspot.com/2022/10/what-is-financial-action-task-force-fatf.html

Which Small Finance Banks can obtain AD Category-I license? - https://inquisitivemind5.blogspot.com/2022/10/which-small-finance-banks-can-obtain-ad.html

What is Legal Entity Identifier (LEI)? - https://inquisitivemind5.blogspot.com/2022/10/what-is-legal-entity-identifier-lei.html

Who is responsible for the actions of recovery agents? - https://inquisitivemind5.blogspot.com/2022/10/what-are-responsibilities-of-regulated.html

What is Regulatory Sandbox (RS)? - https://inquisitivemind5.blogspot.com/2022/09/what-is-regulatory-sandbox-rs.html

When are NBFCs placed under PCA? What are its implications? - https://inquisitivemind5.blogspot.com/2022/09/when-are-nbfcs-placed-under-pca-what.html

When are banks placed under PCA? What are its implications? - https://inquisitivemind5.blogspot.com/2022/09/when-are-banks-placed-under-pca-what.html

What happens to inoperative deposit accounts? - https://inquisitivemind5.blogspot.com/2022/09/what-happens-to-inoperative-deposit.html

What is Gold Monetization Scheme? - https://inquisitivemind5.blogspot.com/2022/09/what-is-gold-monetization-scheme.html

Are banks deposits insured? - https://inquisitivemind5.blogspot.com/2022/07/are-your-deposits-with-banks-insured.html

What is KYC? - https://inquisitivemind5.blogspot.com/2022/07/what-are-kyc-norms.html


Follow at - Telegram   Instagram   LinkedIn   X   Facebook

Comments

Popular Posts

Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) (Updated as on September 11, 2026)

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...

Framework for Self-Regulatory Organisations in the FinTech Sector (Updated on September 10, 2026)

Reserve Bank of India (RBI) has released the framework for self-regulatory organisations in the FinTech sector. What are FinTechs? For the purpose of membership of an Self-Regulatory Organisations for FinTech Sector (SRO-FT), FinTechs may be defined as entities that provide technological solutions for delivery of financial products and services to businesses and consumers or encompass regulatory and supervisory compliance in partnership with traditional financial institutions or otherwise.  What is the need of Self-Regulatory Organisations for FinTech Sector? FinTechs play a pivotal role in redefining financial services by saving time, enhancing access, and lowering costs. While the FinTechs bring various innovations, the FinTech sector also raises concerns relating to customer protection, data privacy, cyber security, grievance handling, internal governance, financial system integrity, etc. A judicious balance between maximising the creative potential of FinTechs, while minimising...

Policies to be formulated by NBFC-BL

Non-Banking Financial Companies (NBFCs) are required to formulate various policies for effective corporate governance and operations. This article lists out some of the important policies to be formulated by the Base Layer NBFCs (NBFC-BL). Business Model Master Direction – Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Directions, 2023 dated October 19, 2023 Para 1.1 of Annex II – In view of the criticality of the nature of the business model in determining the classification of financial assets and restrictions on subsequent reclassification, NBFCs are advised to put in place Board approved policies that clearly articulate and document their business models and portfolios. Para 1.2 of Annex II – NBFCs shall frame their policy for sales out of amortised cost business model portfolios. Expected Credit Losses (ECL) Policy Master Direction – Reserve Bank of India (Non-Banking Financial Company – Scale Based Regulation) Directions, 2023 dated October 19, 202...

What is Ways and Means Advances (WMA)? (Updated as on September 25, 2026)

Reserve Bank of India (RBI) has recently announced the Ways and Means Advances (WMA) limit for the Government of India. So, what is WMA? What is Ways and Means Advances (WMA)? Ways and Means Advances (WMA) is a collateral free clean advance availed by the Central and State Governments from RBI, to tide over temporary mismatches in the receipts and payments. Section 17(5) of the Reserve Bank of India Act, 1934 empowers RBI to grant WMA to Central and State Governments, as and when required by them. What is Special WMA / Special Drawing Facility (SDF)? In addition to WMA, State Governments are also eligible for a Special Drawing Facility (SDF), which is granted against collateral of Government Securities held by the State Governments.  SDF availed by State Governments / UTs is linked to the quantum of their investments in marketable securities issued by the Government of India, including Auction Treasury Bills (ATBs).  (Updated as on June 28, 2024) Based on the recommendations m...

Unique Transaction Identifier (UTI) for OTC Derivative Transactions

Reserve Bank of India (RBI) has issued directions on Unique Transaction Identifier (UTI) for over-the-counter (OTC) derivative transactions. What are the existing norms for reporting of OTC derivative transactions? At present, all transactions in OTC markets for rupee interest rate derivatives, forward contracts in Government securities, foreign currency derivatives, foreign currency interest rate derivatives, and credit derivatives are reported to the Trade Repository managed by Clearing Corporation of India Limited (CCIL-TR).  What are the directions on Unique Transaction Identifier (UTI) for OTC derivative transactions? Unique Transaction Identifier (UTI), a unique identifier assigned to an OTC derivative transaction, shall be generated / reported for all transactions in OTC derivatives market.  The directions shall be applicable to OTC derivative transactions entered into on or after January 01, 2027. UTI shall be generated in accordance with the UTI Technical Guidanc...