Amendment to RBI Commercial Banks- Credit Risk Management Directions: The amendments introduce provisions regarding maintenance of Cash Credit (CC), Current, and Overdraft (OD) accounts to strengthen credit monitoring and discipline. CC accounts remain operationally linked to working capital needs, while current and OD accounts may be maintained freely by customers with banking system exposure below Rs 10 crore. For exposures of Rs 10 crore or more, only banks with minimum 10% exposure or the largest lenders may maintain such accounts, others are restricted to collection accounts. Collection accounts must transfer funds to designated accounts within two working days.
(Link: RBI Circular 141/2025 Dated 11/12/2025)
Amendment to RBI Small Finance Banks- Credit Risk Management Directions:
Similar amendments refer above brief for notification 141/2025 dated 11/12/2025.
(Link: RBI Notification 142/2025 Dated 11/12/2025)
Amendment to RBI Regional Rural Banks- Credit Risk Management Directions:
Similar amendments refer above brief for notification 141/2025 dated 11/12/2025.
(Link: RBI Notification 144/2025 Dated 11/12/2025)
Amendment to RBI Local Area Banks- Credit Risk Management Directions:
Similar amendments refer above brief for notification 141/2025 dated 11/12/2025.
(Link: RBI Notification 145/2025 Dated 11/12/2025)
Amendment to RBI Urban Cooperative Banks- Credit Risk Management Directions:
Similar amendments refer above brief for notification 141/2025 dated 11/12/2025.
(Link: RBI Notification 146/2025 Dated 11/12/2025)
Amendment to RBI Rural Cooperative Banks- Credit Risk Management Directions:
Similar amendments refer above brief for notification 141/2025 dated 11/12/2025.