Every item we track, grouped by who it applies to · updated 2026-08-18 10:50 UTC · 1134 items (92 marked repealed/superseded, kept visible not deleted; 240 cross-namespace duplicates merged into their canonical Master Direction record)
Honest scope note: Base date: 28 Nov 2025 (RBI consolidation). Older items appear only as repealed/superseded history or as Master Directions verified still in force on 2026-08-16. In-force corpus = RBI's consolidated Master Directions (founder's figure: 244; RBI's own live Master Directions index currently lists 359 active -- see RESOLVED note in STATE.md, "as listed on RBI's Master Directions index" is the standing rule) plus every notification/direction issued on or after RBI's 28 Nov 2025 consolidation (circular DOR.RRC.REC.302/33-01-010/2025-26), backfilled and verified month-by-month against RBI's own live archive with zero gaps. Items superseded by the 28 Nov 2025 consolidation circular are marked REPEALED/SUPERSEDED and greyed (never deleted). Deadline extraction: complete for every in-scope must-read item -- 1043/1043 cached, 0 remaining (press_release 15/15, notification 119/119, notification_backfill 560/560, master_direction 349/349).
THE FOUNDING CIRCULARConsolidation of Regulations – Withdrawal of circulars Nov 28, 2025 · 28 Nov 2025 consolidation circular (DOR.RRC.REC.302/33-01-010/2025-26) that withdrew 9,445 circulars and issued 244 consolidated Master Directions -- the constitution of the current in-force regime. Official source ↗
Where did my circular go?
Type an old (pre-28-Nov-2025) circular number to see which notification or Master Direction it was consolidated into. Covers 9,397 old circular numbers from the 28 Nov 2025 consolidation and 3 related Master Direction annexes.
Compliance deadline calendar
6 confirmed, hand-verified upcoming RBI compliance deadlines (pilot -- more added as verified). Each date is copied exactly from the source document, never guessed. Add all to your calendar (.ics) ↓
Fake Indian Currency Notes (FICNs)-Detection, Reporting and Monitoring BY WHEN: September 15, 2026 Staff posted in bank branches located in border areas must get the same FICN detection training on a priority basis by this earlier date. Fresh excerpt: 'The staff posted in bank branches located in border areas shall be imparted the training on priority basis, latest by September 15, 2026.' Narrower subset of the Oct 31, 2026 deadline above (border branches only) -- now safe to show alongside it since both are captured (was excluded slice 1 because showing this one alone, without the broader Oct 31 deadline, was an incomplete picture). Official source ↗
Fake Indian Currency Notes (FICNs)-Detection, Reporting and Monitoring BY WHEN: September 15, 2026 Separately, the bank's compliance monitoring plan and progress on this Master Direction must be reported to RBI's Department of Currency Management by this date. Fresh excerpt: 'Banks are advised to institute a monitoring mechanism to ensure compliance of all the provisions of the referred MD. Details of the plan of action along with progress shall be submitted by September 15, 2026, to the Department of Currency Management.' A different clause (para 3) from the border-branch training deadline above -- coincidentally the same date, but a separate reporting obligation. Safe to ship as its own entry. Official source ↗
Reserve Bank of India (Authentication mechanisms for digital payment transactions) Directions, 2025 BY WHEN: October 01, 2026 Excerpt: 'card issuers shall, by October 01, 2026, put in place a mechanism to validate non-recurring, cross-border card not present (CNP) transactions... a risk-based mechanism for handling all cross-border CNP transactions shall also be put in place by card issuers by October 01, 2026.' Distinct, unambiguous compliance obligation on card-issuing banks/NBFCs, separate from this same document's earlier April 01, 2026 general effective date (now past as of today, dropped automatically). Newly surfaced by this slice's 27-document re-fetch sweep -- the old single-match cache only ever kept the April 01, 2026 date. Safe to show as-is. Official source ↗
Fake Indian Currency Notes (FICNs)-Detection, Reporting and Monitoring BY WHEN: October 31, 2026 All cash-handling staff at the bank must be given FICN (fake note) detection training by this date. Fresh excerpt: 'It shall be ensured that all the cash handling staff of the bank are imparted training positively by October 31, 2026.' General obligation, applies to every regulated bank -- unambiguous, safe to ship. Official source ↗
Fake Indian Currency Notes (FICNs)-Detection, Reporting and Monitoring BY WHEN: November 7, 2026 The bank must send RBI's Forged Note Vigilance (FNV) Cell an Action Taken Report confirming the general staff-training deadline above was met. Fresh excerpt: 'An Action Taken Report (ATR) shall be submitted on compliance of the instructions at para (a) ... through the Forged Note Vigilance Cells (FNV Cell) to the concerned Issue Office of Reserve Bank by November 7, 2026.' Distinct, unambiguous reporting obligation on the bank -- safe to ship. Official source ↗
Reserve Bank of India (Trade Receivables Discounting System) Directions, 2026 BY WHEN: March 31, 2028 Excerpt: 'Existing entities authorised to operate TReDS platform shall ensure that net-worth criterion is met latest by March 31, 2028.' This is a specific, unambiguous compliance obligation on a defined class of regulated entities (existing TReDS platform operators), with the deadline itself the only date near the matched text. Safe to show as-is. Official source ↗
Penalty tracker
15 monetary penalties imposed by RBI, fresh-fetched and verified from RBI's own press releases, sorted newest first. Each amount and reason is copied exactly from the source, never guessed.
Aug 14, 2026 · Fusion Finance Limited ₹2.70 lakh (Rupees Two Lakh Seventy Thousand only) — non-compliance with certain provisions of ‘Reserve Bank of India (Know Your Customer (KYC)) Directions’ issued by RBI RBI press release ↗
Aug 14, 2026 · IndusInd Bank Limited ₹59.20 lakh (Rupees Fifty-Nine lakh twenty thousand only) — non-compliance with certain provisions of directions issued by RBI on ‘Interest Rate on Deposits’ and ‘Securitisation of Standard Assets’ RBI press release ↗
Aug 14, 2026 · Northern Arc Capital Limited ₹6.20 lakh (Rupees Six Lakh Twenty Thousand only) — non-compliance with certain provisions of the directions issued by RBI on ‘Disclosures in Financial Statements - Notes to Accounts’ and on ‘Internal Ombudsman for Regulated Entities’ RBI press release ↗
Aug 14, 2026 · Muthoot MCred Limited (Formerly Known as Muthoottu Mini Financiers Limited) ₹3.10 lakh (Rupees Three Lakh Ten Thousand only) — non-compliance with certain provisions of the directions issued by RBI on ‘Asset Classification’ RBI press release ↗
Aug 13, 2026 · Jilla Sahakari Kendriya Bank Maryadit, Bhind, Madhya Pradesh ₹2.50 lakh (Rupees Two Lakh Fifty Thousand only) — contravention of the provisions of Section 26A read with Section 56 of the Banking Regulation Act, 1949 (BR Act) RBI press release ↗
Aug 13, 2026 · Valuefin India Credit Services Private Limited ₹1.80 lakh (Rupees One Lakh and Eighty Thousand only) — non-compliance with certain directions issued by RBI on ’Acquisition of Shareholding or Control’ RBI press release ↗
Aug 10, 2026 · The Amravati District Central Co-operative Bank Ltd., Maharashtra ₹50,000 (Rupees Fifty Thousand only) — non-compliance with certain directions issued by RBI on ‘Know Your Customer (KYC)’ and ‘Ensuring Reasonableness of Bank Charges and Charges Levied for Sending SMS Alerts’ RBI press release ↗
Aug 07, 2026 · Infinity Fincorp Solutions Private Limited ₹5.40 lakh (Rupees Five lakh forty thousand only) — non-compliance with certain provisions of the ‘Reserve Bank of India (Know Your Customer (KYC)) Directions’ and the directions issued by RBI on ‘Fair Practice Code’ RBI press release ↗
Aug 07, 2026 · Namdev Finvest Limited (formerly known as Namdev Finvest Private Limited) ₹2.70 lakh (Rupees Two lakh seventy thousand only) — non-compliance with certain provisions of the ‘Reserve Bank of India (Know Your Customer (KYC)) Directions’ issued by RBI RBI press release ↗
Aug 07, 2026 · Utsav Securities Limited ₹3.90 lakh (Rupees Three lakh ninety thousand only) — non-compliance with certain provisions of the directions issued by RBI on ‘Governance’ and ‘Submission of data to Credit Information Companies (CICs)’ RBI press release ↗
Aug 06, 2026 · Kedarnath Urban Co-operative Bank Ltd., Latur, Maharashtra ₹40,000/- (Rupees Forty Thousand only) — non-compliance with certain directions issued by RBI on ‘Know Your Customer (KYC)’ and operational instructions issued under ‘Supervisory Action Framework (SAF)’ RBI press release ↗
Jul 27, 2026 · Jilla Sahakari Kendriya Bank Maryadit, Shajapur, Madhya Pradesh ₹1 lakh (Rupees One Lakh only) — contravention of the provisions of section 26A read with section 56 of the Banking Regulation Act, 1949 (BR Act) RBI press release ↗
Jul 27, 2026 · Sangli District Central Co-operative Bank Ltd., Maharashtra ₹7 lakh (Rupees Seven Lakh only) — contravention of provisions of section 20(1) read with section 56 of the Banking Regulation Act, 1949 (BR Act) RBI press release ↗
Jul 27, 2026 · Raigad District Central Co-operative Bank Ltd., Maharashtra ₹10.10 lakh (Rupees Ten Lakh and Ten Thousand only) — contravention of provisions of section 20(1) read with section 56 of the Banking Regulation Act, 1949 (BR Act) and certain directions issued by RBI on ‘Membership of Credit Information Companies (CICs) by Co-operative Banks’ RBI press release ↗
Jul 27, 2026 · The Citizen Co-operative Bank Limited, Bangalore, Karnataka ₹50,000/- (Rupees Fifty Thousand only) — non-compliance with certain directions issued by RBI on ‘Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs’ RBI press release ↗
Ask BankPulse
Search 1,374 circular/notification titles, plus the actual text of 9 pilot documents (1,123 sentences). Exact-match only -- BankPulse never guesses or generates an answer; every result is copied word-for-word from the source with a link to verify.
Weekly quiz
10 fill-in-the-blank questions drawn straight from RBI text -- tap a question to reveal the answer. No scoring or sign-in, just a quick self-check (39 in the full question bank).
These Directions shall apply to an NBFC being a Government company as defined under clause (____) of section 2 of the Companies Act, 2013
Insurance Companies i.e. a non-banking financial company doing the business of insurance, holding a valid certificate of registration issued under section ____ of the Insurance Act, 1938
Staff posted in bank branches located in border areas must get the same FICN detection training on a priority basis by this earlier date. Fresh excerpt: 'The staff posted in bank branches located in border areas shall be imparted the training on priority basis, latest by ____.' Narrower subset of the Oct 31, 2026 deadline above (border branches only) -- now safe to show alongside it since both are captured (was excluded slice 1 because showing this one alone, without the broader Oct 31 deadline, was an incomplete picture).
MUST READRBI invites public comments on the draft Directions on ‘Credit Valuation Adjustment (CVA) Framework’ Acts: Compliance · Board/CEO · Aug 07, 2026
Binding instrument, class not named: applies broadly
MUST READReserve Bank of India (Priority Sector Lending – Targets and Classification) Second Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 07, 2026
Binding instrument, class not named: applies broadly
MUST READRBI Issues Amendment Directions on ‘Conduct of Regulated Entities in Recovery of Loans and Engagement of Recovery Agents’ Acts: Compliance · Board/CEO · Aug 06, 2026
Binding instrument, class not named: applies broadly
MUST READRBI invites comments on the draft “Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Eleventh Amendment Directions, 2026” Acts: Compliance · Board/CEO · Aug 07, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Commercial Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Commercial Banks – Cybersecurity, Technology: Risk, Resilience and Assurance Framework) Directions, 2026 Acts: IT/CISO · Compliance · Jul 31, 2026
Binding RBI Directions naming this institution class in the title
MUST READDirections under Section 35A read with Section 56 of the Banking Regulation Act, 1949 –Urban Co-operative Bank Limited, Dehradun - Extension of Period Acts: Board/CEO · Compliance · Aug 07, 2026
Supervisory action on a co-operative bank: every UCB board should study peer restrictions
MUST READDirections under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – Sri Guru Raghavendra Sahakara Bank Niyamitha, Bengaluru – Extension of Period Acts: Board/CEO · Compliance · Aug 06, 2026
Supervisory action on a co-operative bank: every UCB board should study peer restrictions
MUST READReserve Bank of India (Urban Co-operative Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READDirections under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – The Pusad Urban Co-operative Bank Ltd., Pusad, Dist. Yavatmal, Maharashtra – Extension of Period Acts: Board/CEO · Compliance · Aug 04, 2026
Supervisory action on a co-operative bank: every UCB board should study peer restrictions
MUST READReserve Bank of India (Rural Co-operative Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Regional Rural Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Regional Rural Banks – Interest Rate on Deposits) Second Amendment Directions, 2026 Acts: Branch ops · Treasury · Jul 30, 2026
MUST READReserve Bank of India (Small Finance Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Payments Banks - Cybersecurity, Technology: Risk, Resilience and Assurance Framework) Directions, 2026 Acts: IT/CISO · Compliance · Jul 31, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Local Area Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READRBI invites comments on the draft “Reserve Bank of India (Non-Banking Financial Companies – Credit Facilities) Amendment Directions, 2026” Acts: Credit · Compliance · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Non-Banking Financial Companies - Responsible Business Conduct) Third Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (Non-Banking Financial Companies – Digital Payment Security Controls) Directions, 2026 Acts: IT/CISO · Compliance · Jul 31, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (All India Financial Institutions - Responsible Business Conduct) Third Amendment Directions, 2026 Acts: Compliance · Board/CEO · Aug 06, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (All India Financial Institutions - Miscellaneous) Supervisory Directions, 2026 Acts: Compliance · Board/CEO · Jul 31, 2026
Binding RBI Directions naming this institution class in the title
MUST READReserve Bank of India (All India Financial Institutions – Cybersecurity, Technology: Risk, Resilience and Assurance Framework) Directions, 2026 Acts: IT/CISO · Compliance · Jul 31, 2026
Binding RBI Directions naming this institution class in the title
MUST READNON-DoR MDReserve Bank of India (All India Financial Institutions - Miscellaneous) Supervisory Directions, 2026 Acts: Compliance · Board/CEO · Jul 31, 2026
Binding RBI Directions naming this institution class in the title