Regulatory Alerts2026-08-12
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Draft Reserve Bank of India (Interest Rates on Loans and Advances) Directions, 2026
The draft proposes a harmonized, principles-based framework for determining interest rates on both fixed and floating rate loans applicable to all regulated entities, including commercial banks, non-banking financial companies, financial institutions, and cooperative banks. This replaces the current fragmented regime where commercial banks faced specific benchmarking instructions while other entities were subject primarily to conduct-related rules. The regulator intends to issue separate final directions for each category of regulated entity after reviewing public feedback submitted by September 11, 2026.
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