Stay informed about the latest developments related to the RBI circular.
RBI Circular Summary: July 2025
| Date | Topic in Simple Terms | What It Means for You / The System | Circular Number |
| July 2 | No Penalty on Early Loan Repayment | You can now pay off your business loans early without any extra fees or penalties. This gives borrowers more financial freedom. | DOR.MCS.REC.38/01.01.001/2025-26 |
| July 10 | New Credit Rating Agency Approved | RBI approved ‘CareEdge Global IFSC Limited’ to rate the risk of big bank loans. This helps banks make safer lending decisions. | DOR.STR.REC.39/21.06.008/2025-26 |
| July 11 | Clearer Rules for Gold Loans | New guidelines were set for giving loans to farmers and small businesses against gold and silver, making the process safer and more transparent. | FIDD.CO.FSD.BC.No.08/05.05.010/2025-26 |
| July 17 | NSDL Payments Bank Upgraded | NSDL Payments Bank was officially added to RBI’s list of trusted ‘Scheduled Banks’, a mark of stability and credibility. | DoR.RET.REC.40/12.07.160/2025-26 |
| July 18 | Banking Support for New District | A ‘Lead Bank’ was assigned to a new district in Arunachal Pradesh to ensure everyone there gets full access to banking services. | FIDD.CO.LBS.BC.No.14/02.08.001/2025-26 |
| July 25 | Two Co-op Banks Upgraded | Two Maharashtra co-operative banks (Ahmednagar Merchant’s & Deogiri Nagari) were upgraded to ‘Scheduled Bank’ status, showing their financial health. | DoR.RET.REC.41 & 42/12.07.160/2025-26 |
RBI Circular Summary: June 2025
| Date | Topic in Simple Terms | What It Means for You / The System | Circular Number(s) |
| June 6 | RBI Policy Day Announcements | Following the policy meeting, RBI adjusted key rates for banks, issued new rules for gold loans, and reviewed lending criteria for microfinance firms. | RBI/2025-26/42 to 47 |
| June 9 | Fine-Tuning Bank Risk Rules | Updated the rules on how much banks can lend to a single company, how co-op banks are treated if they miss lending goals, and approved a new credit rating agency. | DOR.CRE.REC.27, DOR.CRE.REC.28, DOR.STR.REC.29 |
| June 12 | Simpler & Safer Banking for You | Revised rules to make KYC updates easier and clarified how banks should handle ‘unclaimed’ or ‘inoperative’ accounts to prevent misuse. | DOR.AML.REC.30, DOR.SOG(LEG).REC/32, DOR.AML.REC.31 |
| June 13 | Easier Rules for Importing Ships | Relaxed some foreign exchange rules, making it simpler for Indian companies in the shipping industry to import large vessels. | A.P. (DIR Series) Circular No. 07 |
| June 16 | Supporting SC/ST Communities | Updated the main rulebook for all banks on how to provide loans and credit facilities to citizens from Scheduled Castes and Scheduled Tribes. | FIDD.CO.GSSD.BC.No.07 |
| June 16 | UN Security List Update | As per UN updates, RBI instructed all banks to remove one name from the international sanctions list, keeping India aligned with global security. | DOR.AML.REC.33 |
| June 19 | New Rules for Big Project Loans | A major new rulebook was issued on how banks must safely fund large infrastructure projects like roads and power plants. | DOR.STR.REC.34 |
| June 19 | UN Security List Update | Following UN updates, RBI instructed all banks to add one new name to the international sanctions list to combat terrorism financing. | DOR.AML.REC.35 |
| June 20 | Focus on Small Finance Banks | Reviewed the Priority Sector Lending (PSL) rules specifically for Small Finance Banks to ensure they are meeting their goals. | DOR.LIC.REC.36 |
| June 25 | Managing Unclaimed Bank Money | Updated the guidelines for the DEA Fund, which uses money from long-unclaimed bank accounts to fund financial education for the public. | DoR.SOG (DEA Fund) No.37 |
| June 27 | Making Aadhaar Payments Safer | Instructed banks to do better checks on the local agents who provide Aadhaar payment services (like fingerprint withdrawals) to protect you from fraud. | CO.DPSS.POLC.No.S339 |
RBI Circular Summary: May 2025
| Date | Topic in Simple Terms | What It Means for You / The System | Circular Number(s) |
| May 8 | New Rules for Digital Lending | RBI released a major new rulebook for all digital lending apps and websites to make them safer, more transparent, and fairer for borrowers. | DOR.STR.REC.19 |
| May 8 | Easier for Foreigners to Invest | Relaxed some rules to make it easier for Foreign Portfolio Investors (FPIs) to invest in Indian company bonds. | FMRD.FMD.No.01 |
| May 16 | Supporting a Project in Mongolia | Notified banks about a $700 million Line of Credit from India (via Exim Bank) to Mongolia for building a new oil refinery. | A.P. (DIR Series) Circular No. 06 |
| May 21 | A Bank Changes its Name | Officially updated the name of “North East Small Finance Bank Limited” to “slice Small Finance Bank Limited” in its records. | DoR.RET.REC.20 |
| May 22 | Changes to a Govt. Scheme | Withdrew an old Master Circular related to the Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM). | FIDD.CO.GSSD.BC.No 06 |
| May 23 | New Reporting for Foreign Funds | Introduced new reporting requirements on the RBI’s FIRMS portal for foreign investment vehicles that issue partly paid units. | A.P. (DIR Series) Circular No. 06 |
| May 27 | A Co-op Bank Gets Upgraded | Pune-based “The Vishweshwar Sahakari Bank Ltd.” was added to RBI’s list of trusted ‘Scheduled Banks’, a mark of its financial health. | DoR.RET.REC.21 |
RBI Circular Summary: April 2025
| Date | Topic in Simple Terms | What It Means for You / The System | Circular Number(s) |
| April 1 | Annual Rulebook Update (Master Circulars) | As it’s the start of the financial year, RBI issued updated rulebooks on many key topics for banks, including Bad Loans (NPAs), Capital Rules (Basel III), Housing Finance, and the Lead Bank Scheme. | RBI/2025-26/01 to 19, & others |
| April 3 | Foreign Investor Debt Limits | Clarified the investment limits for Foreign Portfolio Investors (FPIs) in Indian debt securities for the new financial year. | A.P. (DIR Series) Circular No. 01 |
| April 8 | Housekeeping of Old Rules | As part of a regulatory clean-up, RBI officially withdrew a set of old circulars that are no longer relevant or have been superseded. | DOR.CO.SOG(Leg) No.15 |
| April 9 | Policy Day Rate Adjustments | Following the first monetary policy meeting of the year, RBI adjusted key operational rates that banks use for their day-to-day liquidity management. | RBI/2025-2026/22, 23, 24 |
| April 11 | Banking Support for Rajasthan | Updated the ‘Lead Bank’ responsibilities for districts in Rajasthan following the state’s recent reorganisation of districts. | FIDD.CO.LBS.BC.No.05 |
| April 21 | Rules for Minors’ Bank Accounts | Provided updated, clear instructions for all banks on how to open and operate deposit accounts for children (minors). | DOR.MCS.REC.17 |
| April 22 | More Secure Domain for Banks | Instructed banks to migrate their websites and online services to the highly secure .bank.in domain name to enhance customer safety from fraud. | CO.DIT.DCD.No.S81 |
| April 23 | Supporting Exports via UAE | Provided relaxations to help Indian exporters who are selling goods through warehouses in the new ‘Bharat Mart’ in the UAE. | A.P. (DIR Series) Circular No. 03 |
| April 24 | Deadline for Note Sorting Machines | Gave a revised, final timeline for banks to implement new, higher standards for their currency note sorting machines to better detect fake notes. | DCM (NPD) No.S287 |
| April 28 | New Portal for RBI Approvals | Launched ‘PRAVAAH’, a new secure online portal for banks and other entities to apply for regulatory approvals and licenses from the RBI. | DIT.CO.No.S-106 |
| April 28 | More ₹100/₹200 Notes in ATMs | Advised banks to make sure their ATMs are well-stocked with smaller denomination notes like ₹100 and ₹200 for public convenience. | DCM.RMMT.No.S312 |
You may also refer to the RBI Master Circular and RBI Circular no. dor.cre.rec.23/21.08.008/2022-23 dated 19.04.2022 for more insights and the latest updates on current developments at the RBI.