{"id":4530,"date":"2026-02-16T17:35:07","date_gmt":"2026-02-16T17:35:07","guid":{"rendered":"https:\/\/bhatiabhola.com\/?p=4530"},"modified":"2026-02-16T17:35:08","modified_gmt":"2026-02-16T17:35:08","slug":"rbi-draft-amendment-directions-dated-10-02-2026-higher-unsecured-loan-limits-and-relaxed-norms-for-urban-coop-banks-ucbs","status":"publish","type":"post","link":"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/02\/16\/rbi-draft-amendment-directions-dated-10-02-2026-higher-unsecured-loan-limits-and-relaxed-norms-for-urban-coop-banks-ucbs\/","title":{"rendered":"RBI Draft Amendment Directions Dated 10\/02\/2026 &#8211; Higher Unsecured Loan Limits and Relaxed Norms for Urban Coop Banks (UCBs)\u00a0"},"content":{"rendered":"\n<p>The proposals seek to rationalise the definition of unsecured advances, raise individual unsecured loan limits (Rs 5 lakh for Tier 1, Rs 7.5 lakh for Tier 2, and Rs 10 lakh for Tier 3 &amp; 4), and increase the aggregate ceiling on unsecured advances to 20% of total loans and advances from the existing 10% of total assets, with limited relaxation for priority sector loans up to Rs 50,000 per borrower. Lending to nominal members for consumer durables is proposed to be enhanced to Rs 2.5 lakh per borrower. Housing loan tenor and moratorium norms are deregulated for Tier 3 and Tier 4 UCBs, while capped for Tier 1 and Tier 2. The comments\/ feedback from stakeholders is invited.<\/p>\n\n\n\n<p><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/PressRelease\/PDFs\/PR2082F5E6E0F53B494C2B9CA408011DDE1D88.PDF\"><em>(Link: Draft Amendment Directions, Press Release Dated 10\/02\/2026)<\/em><\/a><em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The proposals seek to rationalise the definition of unsecured advances, raise individual unsecured loan limits (Rs 5 lakh for Tier [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[72,100],"tags":[],"class_list":["post-4530","post","type-post","status-publish","format-standard","hentry","category-rbi","category-rbi-drafts-for-public-comments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Draft Amendment Directions Dated 10\/02\/2026 - Higher Unsecured Loan Limits and Relaxed Norms for Urban Coop Banks (UCBs)\u00a0 - Bhatia Bhola &amp; 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