{"id":5693,"date":"2026-05-03T16:53:03","date_gmt":"2026-05-03T16:53:03","guid":{"rendered":"https:\/\/bhatiabhola.com\/?p=5693"},"modified":"2026-05-03T16:53:05","modified_gmt":"2026-05-03T16:53:05","slug":"rbi-circulars-44-77-dated-29-04-2026-amendments-to-directions-relief-measures-in-areas-affected-by-natural-calamities","status":"publish","type":"post","link":"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/05\/03\/rbi-circulars-44-77-dated-29-04-2026-amendments-to-directions-relief-measures-in-areas-affected-by-natural-calamities\/","title":{"rendered":"RBI Circulars 44-77 Dated 29\/04\/2026 &#8211; Amendments to Directions- Relief Measures in areas affected by Natural Calamities"},"content":{"rendered":"\n<p>\u00a0RBI has issued a series of directions for commercial banks, small finance banks, local area banks, cooperative banks, NBFCs, and\u00a0All India Financial Institutions.\u00a0A bank need not wait for receipt of a formal request from a borrower and may decide to suo-moto implement a resolution plan for the impacted borrowers,\u00a0The relief measures may include rescheduling of payments, moratoriums, conversion of interest dues into a separate credit facility, or additional financing. Borrowers will have an opt-out window of up to 135 days from the date of disaster declaration.\u00a0The eligibility is restricted to standard accounts not overdue by more than 30 days at the time of the calamity. Such accounts can retain their standard classification upon resolution, and those slipping into NPA between the calamity and implementation may be upgraded to standard. The central bank has retained a 5% additional provisioning requirement and expanded the definition of natural calamities to include events recognised under the State Disaster Response Fund and National Disaster Response Fund.<\/p>\n\n\n\n<p>&#8212; RBI Resolution of Stressed Assets Directions:&nbsp;<a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT440F61D7E5249B421D94E47FBE2EF02299.PDF\"><em>(Link:&nbsp;RBI Circular 44\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT48EA124973D73F471DA19168B377E9E529.PDF\"><em>48\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT525AB17F0E9D8A4BAE868584EB2A39A9FB.PDF\"><em>52\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT564D3024959FE5423D8FC852E8A64F0578.PDF\"><em>56\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT60A82D072DE1364316A48FEE6F45206B14.PDF\"><em>60\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT640E029275295247A78C2E9248E39EF69D.PDF\"><em>64\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT68BFB45413680C4BC0B7435DA1DCED5EA0.PDF\"><em>68\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT7220E40A0878454895A477E10DCBB3734A.PDF\"><em>and 72\/2026, all Dated 29\/04\/2026)<\/em><\/a><\/p>\n\n\n\n<p>&#8212; RBI Income Recognition, Assets Classification and Provisioning Directions:&nbsp;<a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT4579C1B0A545104BCCBA46043677BF0B63.PDF\"><em>(Link:&nbsp;RBI Circular 45\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT4991251EF3596D477CB27E948651F77AEA.PDF\"><em>49\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT538FD1503C244C4086B1FA3046696FFCB6.PDF\"><em>53\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT57EBA5AE7606B143BA99B580966304424A.PDF\"><em>57\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT61459093768AEC4CAFA90EE8A95BE205B9.PDF\"><em>61\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT6524016B8135B94798904493CDDC41C73D.PDF\"><em>65\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT694BE5A2EF10BB4AA3A99A861657BDFEF4.PDF\"><em>69\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT733993494567454CCB8FC148E2546EBE50.PDF\"><em>and&nbsp;&nbsp;73\/2026, all Dated 29\/04\/2026)<\/em><\/a><\/p>\n\n\n\n<p>&#8212; RBI Responsible Business Conduct Directions:&nbsp;<a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT46BB3AE9CC38644D9A960F2017BA96D485.PDF\"><em>(Link:&nbsp;RBI Circular 46\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT503A71A831AF424AE4B28849C91EA90915.PDF\"><em>50\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT54799BCFEF82E0436293D69D36D1A4EA7E.PDF\"><em>54\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT58306AF5E0CE364DE4A6C139E31723154F.PDF\"><em>58\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT6257C5260FC26A4B50827A535A19CE0608.PDF\"><em>62\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT66ABCE83D6FFC74139904E26CAB1FE46DD.PDF\"><em>66\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT703927F39626314DC8B6C58614A0D629AC.PDF\"><em>70\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT740065426D194A4603B4FED6A214ED91FC.PDF\"><em>74\/2026, all Dated 29\/04\/2026)<\/em><\/a><\/p>\n\n\n\n<p>&#8212; RBI Credit Risk Management Directions:&nbsp;<a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT472FCD9CB24AB349ADAF84C0C00EC2789B.PDF\"><em>(Link:&nbsp;RBI Circular 47\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT5132353334A90242209DD7C98BD78D2C32.PDF\"><em>51\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT552383B45F142D4E688BA4791448B3A198.PDF\"><em>55\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT591779AE6A43F648F4AF0CFF3BD363D1DF.PDF\"><em>59\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT630E2014478CFD44A489D5A56205813B9E.PDF\"><em>63\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT670E0ED3EC6A264EF291F242EAC68D61D8.PDF\"><em>67\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT7151967911774A451BBD157AB5ED06AC3D.PDF\"><em>71\/2026<\/em><\/a><em>,&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT752DAD9CA8852D44C2B753E1DC2D55CAEE.PDF\"><em>75\/2026, all Dated 29\/04\/2026)<\/em><\/a><\/p>\n\n\n\n<p>&#8212; RBI Relief Measures in Areas Affected by Natural Calamities Repeal Directions:&nbsp;<a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT76A49B29B62015465DBF5280AAF83EC991.PDF\"><em>(Link:&nbsp;RBI Circular 76\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT771F1A5D7A146C4E329CF455A4E2017712.PDF\"><em>and 77\/2026 both Dated 29\/04\/2026)<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0RBI has issued a series of directions for commercial banks, small finance banks, local area banks, cooperative banks, NBFCs, and\u00a0All [&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":[72,77],"tags":[],"class_list":["post-5693","post","type-post","status-publish","format-standard","hentry","category-rbi","category-circulars-rbi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Circulars 44-77 Dated 29\/04\/2026 - Amendments to Directions- Relief Measures in areas affected by Natural Calamities - Bhatia Bhola &amp; 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