Regulatory Alerts2026-05-18
Added · Updated
Reserve Bank of India (Urban Co-operative Banks – Classification, Valuation, and Operation of Investment Portfolio) Amendment Directions, 2026
Paragraph 153.(4) is substituted to require Urban Co-operative Banks to maintain a minimum Investment Fluctuation Reserve of 5 per cent of the investment portfolio, computed annually based on the book value of investments in the Held for Trading and Available for Sale categories. Paragraph 154.(1) is substituted to allow these banks to draw down IFR balances exceeding the 5 per cent threshold for credit to the Profit and Loss Account at the end of any accounting year. These Amendment Directions come into effect from the date of issue.
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