Reserve Bank of India RBI

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RBI Guidelines on Digital Banking Channels

RBI Guidelines on Digital Banking Channels On 28th November 2025, the Reserve Bank of India (RBI) released the Master Directions titled ‘Digital Banking Channels Authorisation’. The Directions came into effect on 1st January 2026 and aim to standardise and regulate India’s expanding digital banking ecosystem. Aspect Details Applicability The Directions apply to commercial banks, including the State Bank of India, but exclude Smal

RBI Draft Revised Guidelines for Lead Bank Scheme (LBS)

RBI Draft Revised Guidelines for Lead Bank Scheme (LBS) On 13 February 2026, the Reserve Bank of India (RBI) issued draft revised guidelines for the Lead Bank Scheme (LBS) and invited public comments. The revision aims to strengthen district-level banking coordination and improve credit planning, financial inclusion, and monitoring mechanisms. Aspect Details Lead Bank Scheme The Lead Bank Scheme is a framework for district-level banking coordinati

Standing Deposit Facility

Standing Deposit Facility On 9th April 2025, RBI Governor Sanjay Malhotra expressed concern that banks were increasingly parking surplus funds in the Standing Deposit Facility (SDF) instead of lending them in the market. The SDF is an important liquidity management tool used by the Reserve Bank of India (RBI) under the Liquidity Adjustment Facility (LAF). Aspect Details What is SDF? The Standing Deposit Facility (SDF) is a liquidity management too

RBI Introduces STRIPS in State Government Securities

RBI Introduces STRIPS in State Government Securities On 12th June 2025, the Reserve Bank of India (RBI) formally introduced the facility of stripping and reconstitution in the State Government Securities (SGS) market. The move aims to deepen the bond market, improve liquidity, and expand investment options for institutions requiring predictable cash flows. Aspect Details What are STRIPS? STRIPS involve splitting a standard coupon-bearing governmen

RBI Approves Risk-Based Deposit Insurance Framework for Banks

RBI Approves Risk-Based Deposit Insurance Framework for Banks On 19th December 2025, the Reserve Bank of India (RBI) approved a risk-based deposit insurance framework for banks at its 620th board meeting. The reform aims to incentivise prudent banking behaviour and reduce moral hazard by rewarding well-managed financial institutions. Aspect Details Deposit Insurance Deposit insurance protects bank depositors against the risk of losing their deposi

Reserve Bank - Integrated Ombudsman Scheme, 2026

Reserve Bank - Integrated Ombudsman Scheme, 2026 On 16th January 2026, the Reserve Bank of India (RBI) issued the revised Reserve Bank - Integrated Ombudsman Scheme (RB-IOS), 2026. The scheme provides a cost-effective, expeditious, and non-adversarial grievance redress mechanism for complaints against regulated financial entities. Aspect Details Purpose of Scheme RB-IOS provides an alternative grievance redress mechanism for resolving complaints a

CBDC-based Digital Food Coupon

CBDC-based Digital Food Coupon On 14th February 2026, the Union Government launched a Central Bank Digital Currency (CBDC)-based Digital Food Currency pilot in Gujarat. The initiative has been launched in collaboration with the Reserve Bank of India (RBI) and the Gujarat government under the Public Distribution System (PDS). Aspect Details Digital Food Coupon Under the CBDC framework, food coupons can be issued through the RBI and credited directl

Monetary Management and Financial Sector

Monetary Management and Financial Sector India’s banking sector is currently witnessing its best financial health in a decade, supported by the “Twin Balance Sheet Advantage”. Improvements in asset quality, capital adequacy and financial sector reforms have strengthened overall monetary and banking stability. Aspect Details Banking Health The banking sector is experiencing its strongest position in a decade under the “Twin

Prices and Inflation

Prices and Inflation India has recorded one of the sharpest declines in headline inflation among major emerging market economies. The moderation in inflation has been supported mainly by sharp disinflation in food prices and softer retail price pressures. Indicator Details Headline CPI Headline CPI inflation declined to 1.7% in FY26 (April–December) due to sharp disinflation in food prices. Core Inflation Core inflation appea

Shri Radha Shyam Ratho Committee

Shri Radha Shyam Ratho Committee On 25th June 2025, the Working Group chaired by Shri Radha Shyam Ratho submitted its report to the Reserve Bank of India (RBI). The Working Group was constituted in February 2025 to undertake a comprehensive review of trading and settlement timings of financial markets regulated by the RBI. Objective of the Working Group Area Details Main Objective To review and recommend reforms in trading and settlement timi

Ramesh Chand Panel

Ramesh Chand Panel On 2nd January 2025, the government decided to constitute an 18-member panel chaired by NITI Aayog member Ramesh Chand. The panel has been set up to revise the base year of the Wholesale Price Index (WPI) and suggest a roadmap for transition to the Producer Price Index (PPI). Key Mandates of the Panel Mandate Details Base Year Revision Update the WPI base year from 2011-12 to 2022-23. Commodity Basket Develo