{"id":6229,"date":"2026-06-29T03:05:45","date_gmt":"2026-06-29T03:05:45","guid":{"rendered":"https:\/\/bhatiabhola.com\/?p=6229"},"modified":"2026-06-29T03:05:47","modified_gmt":"2026-06-29T03:05:47","slug":"rbi-circular-164-2026-dated-24-06-2026-amendments-to-rbi-concentration-risk-management-directions","status":"publish","type":"post","link":"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/06\/29\/rbi-circular-164-2026-dated-24-06-2026-amendments-to-rbi-concentration-risk-management-directions\/","title":{"rendered":"RBI Circular 164\/2026 Dated 24\/06\/2026 &#8211; Amendments to RBI Concentration Risk Management Directions\u00a0"},"content":{"rendered":"\n<p>On a review of regulations applicable to Upper Layer NBFCs under the Scale Based Regulatory Framework, the amendments withdraw the blanket exemptions earlier available to Government-owned NBFCs, requiring them to comply with concentration norms applicable to their respective regulatory layer. Existing breaches may continue until maturity without further exposure, while additional exposures beyond prudential limits are permitted only if fully offset through eligible credit risk transfer instruments. The Directions also delete specific Middle Layer provisions, clarify that exposures backed by State Government guarantees will be treated as exposures to the guaranteeing State Government with a 20% risk weight.<\/p>\n\n\n\n<p><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT164ABB075A2E7A54F88A030C5B99C99E7D4.PDF\"><em>(Link:&nbsp;RBI Circular 164\/2026 Dated 24\/06\/2026)<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On a review of regulations applicable to Upper Layer NBFCs under the Scale Based Regulatory Framework, the amendments withdraw 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-6229","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 164\/2026 Dated 24\/06\/2026 - Amendments to RBI Concentration Risk Management Directions\u00a0 - Bhatia Bhola &amp; Associates LLP<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/06\/29\/rbi-circular-164-2026-dated-24-06-2026-amendments-to-rbi-concentration-risk-management-directions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Circular 164\/2026 Dated 24\/06\/2026 - Amendments to RBI Concentration Risk Management Directions\u00a0 - Bhatia Bhola &amp; Associates LLP\" \/>\n<meta property=\"og:description\" content=\"On a review of regulations applicable to Upper Layer NBFCs under the Scale Based Regulatory Framework, the amendments withdraw the [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/06\/29\/rbi-circular-164-2026-dated-24-06-2026-amendments-to-rbi-concentration-risk-management-directions\/\" \/>\n<meta property=\"og:site_name\" content=\"Bhatia Bhola &amp; 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