{"id":375768,"date":"2026-02-16T15:00:57","date_gmt":"2026-02-16T09:30:57","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=375768"},"modified":"2026-02-16T14:50:06","modified_gmt":"2026-02-16T09:20:06","slug":"rbi-released-development-and-regulatory-policies","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2026\/02\/16\/rbi-released-development-and-regulatory-policies\/","title":{"rendered":"Highlights of RBI’s Statement on Development and Regulatory Policies"},"content":{"rendered":"
\n

On 6-2-2026, the Reserve Bank of India (‘RBI’) circulated a Statement on Development and Regulatory Policies<\/span>, announcing major regulatory, payments, financial inclusion, and market-related reforms.<\/p>\n

Key measures relate to:<\/h2>\n
    \n
  1. \n

    Regulations<\/p>\n

      \n
    1. \n

      RBI has decided to issue instructions to Regulated Entities (‘REs’) to prevent mis-selling of financial products by REs, ensuring products match customer needs and risk appetite.<\/p>\n<\/li>\n

    2. \n

      Draft instructions will be issued to harmonise loan recovery practices across all REs, establishing unified standards for the engagement and conduct of recovery agents.<\/p>\n<\/li>\n

    3. \n

      Customer liability rules for digital fraud to be revised, including compensation mechanisms for small-value fraudulent transactions, reflecting technological advancements since 2017.<\/p>\n<\/li>\n

    4. \n

      Commercial Banks will be permitted to lend to Real Estate Investment Trusts (‘REITs’), with safeguards similar to those for Infrastructure Investment Trusts (‘InvITs’), aligning financing norms and deepening real-estate financing channels.<\/p>\n<\/li>\n

    5. \n

      Lending norms for Urban Cooperative Banks (‘UCBs’) will be rationalised, simplifying unsecured loan rules, limits for nominal members, and housing loan conditions through a tiered approach.<\/p>\n<\/li>\n

    6. \n

      Type-I NBFCs with assets not more than ₹1,000 crore can be exempted from RBI registration, reducing compliance burden for low-risk entities.<\/p>\n<\/li>\n

    7. \n

      Gold-loan NBFC-ICCs with over 1,000 branches can no longer need prior RBI approval to open new branches, easing expansion due to their strong governance framework.<\/p>\n<\/li>\n<\/ol>\n<\/li>\n

    8. \n

      Payments System<\/p>\n<\/li>\n

      To promote safer digital payments, Discussion papers will be issued introducing calibrated safeguards in digital payments such as introduction of lagged credits, additional authentication for specific class of users like senior citizens, etc. The proposed measures are intended to mitigate frauds and strengthen customer protection.<\/p>\n

    9. \n

      Financial Inclusion<\/p>\n

        \n
      1. \n

        Lead Bank Scheme<\/span> will be revised to enhance the effectiveness of the scheme. A unified portal will also be launched to consolidate bank-wise LBS data, enhancing data quality and insights.<\/p>\n<\/li>\n

      2. \n

        RBI will issue updated Kisan Credit Card<\/span> (‘KCC’) norms to broaden coverage and simplify operations. It includes standardising crop seasons, extending KCC tenure to six years, aligning drawing limits with the Scale of Finance, and including costs related to technological interventions.<\/p>\n<\/li>\n

      3. \n

        Based on recommendations of a committee comprising RBI, DFS, IBA, and NABARD officials, the RBI is revising BC guidelines to boost efficiency in delivering last-mile financial services.<\/p>\n<\/li>\n

      4. \n

        To improve credit access for Micro and Small Enterprises, the collateral-free loan limit has been increased from ₹10 lakh to ₹20 lakh for loans sanctioned or renewed from 1-4-2026. This aims to support entrepreneurship and strengthen last-mile credit delivery.<\/p>\n<\/li>\n<\/ol>\n<\/li>\n

      5. \n

        Financial Markets<\/p>\n

          \n
        1. \n

          To deepen the corporate bond market and enhance credit risk management, the RBI will introduce a regulatory framework enabling total return swaps on corporate bonds and derivatives based on corporate bond indices. These measures aim to improve liquidity, broaden participation, and support bond issuance across rating categories.<\/p>\n<\/li>\n

        2. \n

          RBI has reviewed and rationalised FEMA-based foreign exchange regulations to reflect evolving domestic and global market practices. The revised framework will provide authorised banks and standalone primary dealers with greater flexibility in forex products, risk-management tools, and trading platforms.<\/p>\n<\/li>\n

        3. \n

          Given the strong utilisation of over 80% of the ₹2.5 lakh crore VRR limit, the RBI will enhance predictability and ease of doing business for FPIs by (a) counting VRR investments under the General Route limits, and (b) offering additional operational flexibilities. These reforms aim to attract long-term foreign investment into India’s debt markets.<\/p>\n<\/li>\n<\/ol>\n<\/li>\n

        4. \n

          Capacity Building<\/p>\n<\/li>\n

          Mission SAKSHAM<\/span> (Sahakari Bank Kshamta Nirman<\/span>) will be launched as a sector-wide capacity-building and certification programme for Urban Cooperative Banks, offering large-scale physical and digital training to about 1.40 lakh participants, with delivery in regional languages and support from UCB federations.<\/p>\n<\/ol>\n

          All these statements aim at strengthening consumer protection, enhancing financial system stability, and supporting growth across key segments of the economy.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

          RBI has set out key development and regulatory policies to enhance regulation, inclusion and market efficiency.<\/p>\n","protected":false},"author":67525,"featured_media":375771,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,15],"tags":[44061,11241,98868,44235,61410,98867,51944,98870,2945,2611,98866,51945,98869,98871],"class_list":["post-375768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislationupdates","category-rules_regulations","tag-banking-regulations","tag-consumer-protection","tag-corporate-bond-market","tag-digital-payments","tag-financial-inclusion","tag-financial-reforms","tag-invits","tag-mission-saksham","tag-NBFC","tag-RBI","tag-regulatory-policies","tag-reits","tag-ucb","tag-vrr"],"yoast_head":"\nRBI Development and Regulatory Policies: Statement released | SCC 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publishes the Statement on Developmental and Regulatory Policies","author":"Editor","date":"December 10, 2021","format":false,"excerpt":"The Reserve Bank of India has published a Statement on Developmental and Regulatory Policies vide press release dated December 8, 2021. The Statement sets out various developmental and regulatory policy measures relating to (i) regulation and supervision (ii) financial markets and (ii) payment and settlement systems. \u00a0 Key Highlights: RBI\u2026","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":256608,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/11\/01\/rbi-issues-revised-regulatory-framework-for-nbfcs-scale-based-regulation-sbr\/","url_meta":{"origin":375768,"position":1},"title":"RBI issues revised Regulatory Framework for NBFCs: Scale Based Regulation (SBR)","author":"Bhumika Indulia","date":"November 1, 2021","format":false,"excerpt":"RBI issues revised Regulatory Framework for NBFCs: Scale Based Regulation (SBR). These guidelines shall be effective from October 01, 2022. The instructions relating to ceiling on IPO funding given vide para 3.1(d) of the Annex shall come into effect from April 01, 2022. Pursuant to the announcement made in the\u2026","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":347827,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/05\/14\/rbi-digital-lending-directions-legal-news\/","url_meta":{"origin":375768,"position":2},"title":"RBI Shapes the Future of Digital Lending, 2025","author":"Editor","date":"May 14, 2025","format":false,"excerpt":"RBI notifies digital lending rules to establish transparency, protect borrowers, and regulate multi-lender partnerships.","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"Reserve Bank of India","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":263703,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/03\/15\/rbi-issues-regulatory-framework-for-microfinance-loans\/","url_meta":{"origin":375768,"position":3},"title":"RBI issues Regulatory Framework for Microfinance Loans","author":"Bhumika Indulia","date":"March 15, 2022","format":false,"excerpt":"The Reserve Bank has issued Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022 for regulating microfinance loans. The Directions will come into force from April 01, 2022. \u00a0 Key Points: Applicability: The provisions of these directions shall apply to the following entities All Commercial Banks (including Small\u2026","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":273220,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/09\/07\/rbi-issues-new-guidelines-for-regular-entities-on-digital-lending\/","url_meta":{"origin":375768,"position":4},"title":"RBI issues new guidelines for Regular Entities on Digital Lending","author":"Bhumika Indulia","date":"September 7, 2022","format":false,"excerpt":"On 02-09-2022, Reserve Bank of India issued guidelines on Digital Lending which would be applicable to the \u2018existing customers availing fresh loans\u2019 and to \u2018new customers getting onboarded\u2019. REs will be given time till 30-11-2022 to process these guidelines. Applicability: These guidelines will be applicable to all Commercial Banks, Primary\u2026","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":232028,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/07\/10\/kar-hc-court-directs-rbi-to-monitor-implementation-of-the-circular-relating-to-regulatory-package-during-covid-times\/","url_meta":{"origin":375768,"position":5},"title":"Kar HC | Court directs RBI to monitor implementation of the Circular relating to regulatory package during COVID times","author":"Bhumika Indulia","date":"July 10, 2020","format":false,"excerpt":"Karnataka High Court: Suraj Govindaraj, J., dealt with a petition which was filed in order to enforce the regulatory package announced by the RBI by issuing directions to the RBI to\u00a0 monitor the implementation of the Circular, including verification\u00a0 of whether there are Board-approved policies formulated by each of the\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/375768","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/67525"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=375768"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/375768\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/375771"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=375768"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=375768"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=375768"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}