Regulatory Alerts2026-04-29
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Reserve Bank of India (All India Financial Institutions – Credit Risk Management) Second Amendment Directions, 2026
The Reserve Bank of India inserts Chapter II-A into the Credit Risk Management Directions, adding Article 5A which requires All India Financial Institutions to factor in the possible impact of calamities on borrowers in their credit assessments. This amendment modifies existing directions and comes into force with effect from July 1, 2026.
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( 438 kb ) Reserve Bank of India (All India Financial Institutions – Credit Risk Management) Second Amendment Directions, 2026
RBI/2026-27/75 DOR.STR.REC.64/21-04-048/2026-27
April 29, 2026
Reserve Bank of India (All India Financial Institutions – Credit Risk Management) Second Amendment Directions, 2026
Please refer to Reserve Bank of India (All India Financial Institutions – Resolution of Stressed Assets) Amendment Directions, 2026 dated April 29, 2026 .
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Consequent to the aforesaid Amendment Directions, in exercise of the powers conferred by the section 45L of the Reserve Bank of India Act, 1934 and all other laws enabling the Reserve Bank of India (hereinafter called the Reserve Bank) in this regard, the Reserve Bank being satisfied that it is necessary and expedient in the public interest so to do, hereby issues the Amendment Directions hereinafter specified.
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These Amendment Directions modify the Directions as under:
i. Chapter II-A shall be inserted as under:
Chapter II-A – Credit Risk Evaluation
5A. Credit assessments carried out by a AIFI shall suitably factor in the possible impact of calamities on borrowers who may be impacted by such events.
- The above amendment shall come into force with effect from July 1, 2026.
(Vaibhav Chaturvedi) Chief General Manager
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