Regulatory Alerts2026-08-06
Added
Review of Guidelines on Concentration Risk Management - Rural Co-operative Banks
The Reserve Bank of India has issued draft Directions for public comments to replace the 2025 Concentration Risk Management Directions and to amend the 2025 Credit Facilities Directions. The proposed rules prescribe prudential exposure limits for single or group counterparties and unsecured advances, while enhancing housing loan limits and allowing flexibility for larger Rural Co-operative Banks with deposits above ₹1,000 crore regarding tenor and moratorium requirements. Prescribed prudential sectoral exposure limits are proposed to be withdrawn, except for the real estate sector. Comments on these drafts are accepted until August 28, 2026.