The Reserve Bank of India (RBI), on November 28, 2025, issued the Reserve Bank of India (Urban Co-operative Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025.
The following has been stated:-
• Maintenance of Minimum CRR on Daily Basis:- Every scheduled bank shall maintain minimum CRR of not less than 90 percent of the required CRR on all days during the reporting fortnight, in such a manner that the average of CRR maintained daily shall not be less than the CRR prescribed by the Reserve Bank.
• Computation of Net Demand and Time Liabilities (NDTL):- NDTL of a bank includes (a) liabilities towards the banking system net of assets with the banking system as defined in Section 42 of the RBI Act, 1934 for scheduled banks or Section 18 of the Banking Regulation Act, 1949 read with Section 56 thereof for non- scheduled co-operative banks and (b) liabilities towards others in the form of demand and time deposits or borrowings or other miscellaneous items of liabilities.
[Notification no. RBI/DOR/2025-26/274 DOR.RET.REC.193/12-01-001/2025-26]
