{"id":5945,"date":"2026-05-24T23:52:16","date_gmt":"2026-05-24T23:52:16","guid":{"rendered":"https:\/\/bhatiabhola.com\/?p=5945"},"modified":"2026-05-24T23:52:18","modified_gmt":"2026-05-24T23:52:18","slug":"rbi-circular-87-2026-dated-18-05-2026-amendments-to-rbi-urban-cooperative-banks-classification-valuation-and-operation-of-investment-portfolio-directions","status":"publish","type":"post","link":"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/05\/24\/rbi-circular-87-2026-dated-18-05-2026-amendments-to-rbi-urban-cooperative-banks-classification-valuation-and-operation-of-investment-portfolio-directions\/","title":{"rendered":"RBI Circular 87\/2026 Dated 18\/05\/2026 &#8211; Amendments to RBI Urban Cooperative Banks Classification, Valuation, and Operation of Investment Portfolio Directions\u00a0"},"content":{"rendered":"\n<p>Under the revised framework, Urban Co-operative Banks (UCBs) are now required to maintain a minimum IFR of 5% of the investment portfolio, calculated annually with reference to the book value of investments classified under Held for Trading (HFT) and Available for Sale (AFS) categories as on the balance sheet date. Banks may maintain higher IFR levels with Board approval.\u00a0<\/p>\n\n\n\n<p><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/87NTB3DFD77D3B094FE4915E877FB7D97768.PDF\"><em>(Link:&nbsp;RBI Circular 87\/2026 Dated 18\/05\/2026)<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Under the revised framework, Urban Co-operative Banks (UCBs) are now required to maintain a minimum IFR of 5% of the [&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-5945","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 Circular 87\/2026 Dated 18\/05\/2026 - Amendments to RBI Urban Cooperative Banks Classification, Valuation, and Operation of Investment Portfolio Directions\u00a0 - Bhatia Bhola &amp; 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