{"id":345670,"date":"2025-04-12T12:00:50","date_gmt":"2025-04-12T06:30:50","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=345670"},"modified":"2025-04-12T09:40:57","modified_gmt":"2025-04-12T04:10:57","slug":"rbi-notifies-directions-on-interest-rate-on-deposits-legal-news","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2025\/04\/12\/rbi-notifies-directions-on-interest-rate-on-deposits-legal-news\/","title":{"rendered":"RBI notifies Directions on Interest rate to be on paid on Deposits"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\">On 1-4-2025, the <span style=\"font-weight: bold;\">Reserve Bank of India<\/span> notified the <span style=\"font-weight: bold;\">Reserve Bank of India (Interest Rate on Deposits) Directions, 2025<\/span> providing a framework for banks to follow while formulating their policies on Interest Rates on Deposits. The provisions came into force on 1-4-2025.<\/p>\n<h3>Key Points:<\/h3>\n<ol style=\"list-style-type: decimal;\">\n<li>\n<p>The provisions of these directions are applicable on all banks authorised to operate in India.<\/p>\n<p><span style=\"font-weight: bold;\">Exception:<\/span> Foreign branches of Indian banks.<\/p>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Interest Rate Framework:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<p>Banks will have to pay interest on deposits, other than current account deposits, which have been accepted by them in their domestic:<\/p>\n<ul style=\"list-style-type: circle;\">\n<li>\n<p>Ordinary Non-Resident account <span style=\"font-weight: bold;\">(&#8216;NRO&#8217;);<\/span><\/p>\n<\/li>\n<li>\n<p>Non-Resident (External) Account <span style=\"font-weight: bold;\">(&#8216;NRE&#8217;)<\/span>;<\/p>\n<\/li>\n<li>\n<p>Foreign Currency (Non-resident) Accounts (Banks) Scheme <span style=\"font-weight: bold;\">(&#8216;FCNR(B)&#8217;)<\/span> deposit account.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Terms and conditions to be followed:<\/p>\n<ul style=\"list-style-type: circle;\">\n<li>\n<p>Need to have a comprehensive policy on interest rates on deposits duly approved by the Board of Directors\/ any committee of the Board to which the powers have been delegated;<\/p>\n<\/li>\n<li>\n<p>Rates should be uniform across all branches and for all customers;<\/p>\n<\/li>\n<li>\n<p>Interest rate payable should be strictly as per the schedule of interest rates disclosed in advance;<\/p>\n<\/li>\n<li>\n<p>Commercial banks should maintain a bulk deposit interest rate card in their Core Banking System to facilitate supervisory review;<\/p>\n<\/li>\n<li>\n<p>Rates will not be negotiable between depositors and the bank;<\/p>\n<\/li>\n<li>\n<p>Transactions will be rounded off to the nearest rupee for rupee deposits and to 2 decimal places for FCNR(B) deposits.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Maturity of deposits:<\/p>\n<ul style=\"list-style-type: circle;\">\n<li>\n<p><span style=\"font-weight: bold;\">On non-business working day\/Sunday\/ holiday for commercial banks\/ co-operative banks<\/span>: interest payable at originally contracted rate on the original principal deposit amount for non-business working day\/ Sunday\/ holiday, which intervene between the date of maturity and the date of payment of the proceeds of the deposit on the succeeding working day;<\/p>\n<\/li>\n<li>\n<p><span style=\"font-weight: bold;\">In case of reinvestment:<\/span> interest will be paid for the intervening non- business working day on the maturity value.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Prohibitions on banks:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<p>Banks cannot pay any remuneration fees\/ commission\/ brokerage\/incentives on deposits in form to any individual\/firm\/ company\/ association\/ institution except for:<\/p>\n<ul style=\"list-style-type: circle;\">\n<li>\n<p>commission paid to agents employed to collect door-to-door deposits under a special scheme;<\/p>\n<\/li>\n<li>\n<p>commission paid to Direct Selling Agents\/ Direct Marketing Agents as part of the outsourcing arrangements by commercial banks;<\/p>\n<\/li>\n<li>\n<p>remuneration paid to Business Facilitators\/ Business Correspondents;<\/p>\n<\/li>\n<li>\n<p>incentives granted to staff members of co-operative banks as approved by Reserve Bank of India.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Offer prize\/ lottery\/ free tips any other initiative having element of chance for mobilizing deposits.<\/p>\n<\/li>\n<li>\n<p>Resort to unethical practices of raising of resources through agents\/ third parties to meet the credit needs of the existing\/ prospective borrowers or to grant loans to the intermediaries based on the consideration of deposit mobilisation.<\/p>\n<\/li>\n<li>\n<p>Issue any advertisement\/ literature soliciting deposits from public highlighting only the compounded yield on term deposits without indicating the actual rate of simple interest offered by the bank for the particular period.<\/p>\n<p>Simple rate of interest per annum for the period of deposit should be indicated invariably.<\/p>\n<\/li>\n<li>\n<p>Accept interest-free deposit other than in current account or pay compensation indirectly.<\/p>\n<\/li>\n<li>\n<p>Grant advances against term deposits maintained with other banks.<\/p>\n<\/li>\n<li>\n<p>Create any fund to be utilized for charitable purposes in consultation with the depositors.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Prohibition Exemptions:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<p>Payment of interest on delayed collection of outstation instruments like cheques, drafts, bills, telegraphic\/ mail transfers, etc.<\/p>\n<\/li>\n<li>\n<p>Deposit received by bank:<\/p>\n<ul style=\"list-style-type: circle;\">\n<li>\n<p>from the institutions permitted to participate in the Call\/Notice\/Term Money Market both as lenders and borrowers;<\/p>\n<\/li>\n<li>\n<p>for which it has issued a participation certificate;<\/p>\n<\/li>\n<li>\n<p>under the Capital Gains Accounts Scheme, 1988 for commercial banks;<\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom: 3%;\">under the Certificate of Deposit Scheme for commercial banks.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">Banks cannot pay Offer prize\/ lottery\/ free tips any other initiative having element of chance for mobilizing deposits.<\/p>\n","protected":false},"author":67515,"featured_media":323058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,1193],"tags":[80905,80906,2611,80904],"class_list":["post-345670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislationupdates","category-notifications","tag-interestrate","tag-interestrateframwork","tag-RBI","tag-reservebankofindia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RBI (Interest Rate on Deposits) Directions 2025 | SCC Times<\/title>\n<meta name=\"description\" content=\"Reserve Bank of India notified RBI (Interest Rate on Deposits) Directions, 2025 providing a framework for banks to follow while formulating their policies on Interest 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