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International Trade Settlement in INRRBI allows AD Category-I Banks to open Special Rupee Vostro Accounts (SRVAs) for foreign banks without prior approval. Effective immediately to promote INR-based international trade settlement.
Co-Lending Arrangements, 2025Applicable to Commercial Banks, All-India FIs, NBFCs (incl. HFCs) from January 1, 2026. Co-lending: Joint funding by two regulated entities, minimum 10% retained on books. Priority Sector Loans: Each entity can claim PSL status. Blended interest rate charged to borrowers. Must disclose Key Facts Statement (KFS). Default Loss Guarantee (DLG): Up to 5% allowed. Borrower-level asset classification mandatory. Quarterly/annual disclosures required.
Non-Fund Based Credit Facilities, 2025Applicable to Commercial Banks, Co-operative Banks, AIFIs, NBFCs/HFCs (Middle Layer & above). Covers guarantees, letters of credit, co-acceptances. Total guarantees ≤ 5% of assets for UCBs/RRBs. Partial Credit Enhancement (PCE) allowed for corporate/SPV/municipal bonds. Total PCE ≤ 20% of Tier 1 capital. Disclosures split between secured/unsecured, domestic/overseas guarantees, acceptances, and PCE details.
Investment via SRVAsForeign entities with SRVAs can invest surplus INR in Central Government Securities, including T-Bills, to promote rupee internationalization and capital inflow.
Cheque Truncation System (CTS)Continuous clearing replaces batch processing. Phase 1: Oct 4, 2025; Phase 2: Jan 3, 2026. Cheques scanned continuously (10 AM-4 PM). Real-time confirmation (10 AM-7 PM). Hourly settlement from 11 AM. Customers receive credit within 1 hour of settlement.
Supreme Court on AccessibilityRuled inaccessible digital KYC systems violate Article 21. RBI must ensure reasonable accommodation for Persons with Disabilities (PwDs).
RBI KYC (2nd Amendment) Directions, 2025Introduced Aadhaar Face Authentication, mandatory reasons for KYC rejection, and safeguards for liveness checks. Clarified coverage for large/connected transactions.
Section 51A of UAPA, 1967Updated UNSC 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List - 5 entries amended. REs must ensure real-time compliance with updated lists.
Monetary Policy Committee (MPC) ReviewRates unchanged: Repo Rate: 5.50%, SDF: 5.25%, MSF & Bank Rate: 5.75%. GDP Growth (2025-26): 6.5%. CPI Inflation (2025-26): 3.1%. CAD: 0.6% of GDP. System Liquidity: Surplus ₹3.0 lakh crore/day.

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