The Reserve Bank of India (RBI), on November 28, 2025, issued the Reserve Bank of India (Rural Co-operative Banks – Credit Risk Management) Directions, 2025.
The following has been stated:-
• All expressions unless defined herein shall have the same meaning as have been assigned to them under the Banking Regulation Act, 1949, or the Reserve Bank of India Act, 1934 and rules/regulations made thereunder, or any statutory modification or re-enactment thereto or in other relevant regulations issued by the Reserve Bank or as used in commercial parlance, as the case may be.
• Chapter-II, which states, “Credit Risk Evaluation:- The banks shall strictly follow the credit risk management guidelines contained in ‘Guidance Note on Credit Risk Management’, as issued from time to time”.
[Notification no. RBI/DOR/2025-26/305 DOR.CRE.REC.224/07-02-006/2025-26]
