Relief Measures in areas affected by Calamities

The Reserve Bank of India had, on January 27, 2026, issued the Draft Directions on Relief Measures in areas affected by Natural Calamities for stakeholder feedback.

2. Feedback received on the draft Directions has been examined and consequent modifications, as deemed appropriate, have been suitably incorporated in the final Directions. A statement on the feedback received on the draft Directions is provided in the Annex.

3. Accordingly, the Reserve Bank has today issued the final Directions and two repeal Directions as given below:

1. Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Second Amendment Directions, 2026

2. Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2026

3. Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions, Amendment Directions, 2026

4. Reserve Bank of India (Commercial Banks – Credit Risk Management) Third Amendment Directions, 2026

5. Reserve Bank of India (Small Finance Banks – Resolution of Stressed Assets) Amendment Directions, 2026

6. Reserve Bank of India (Small Finance Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2026

7. Reserve Bank of India (Small Finance Banks – Responsible Business Conduct) Directions, Amendment Directions, 2026

8. Reserve Bank of India (Small Finance Banks – Credit Risk Management) Second Amendment Directions, 2026

9. Reserve Bank of India (Local Area Banks – Resolution of Stressed Assets) Amendment Directions, 2026

10. Reserve Bank of India (Local Area Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2026

11. Reserve Bank of India (Local Area Banks – Responsible Business Conduct) Directions, Amendment Directions, 2026

12. Reserve Bank of India (Local Area Banks – Credit Risk Management) Second Amendment Directions, 2026

13. Reserve Bank of India (Urban Co-operative Banks – Resolution of Stressed Assets) Second Amendment Directions, 2026

14. Reserve Bank of India (Urban Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2026

15. Reserve Bank of India (Urban Co-operative Banks – Responsible Business Conduct) Directions, Amendment Directions, 2026

16. Reserve Bank of India (Urban Co-operative Banks – Credit Risk Management) Second Amendment Directions, 2026

17. Reserve Bank of India (Regional Rural Banks – Resolution of Stressed Assets) Amendment Directions, 2026

18. Reserve Bank of India (Regional Rural Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2026

19. Reserve Bank of India (Regional Rural Banks – Responsible Business Conduct) Directions, Amendment Directions, 2026

20. Reserve Bank of India (Regional Rural Banks – Credit Risk Management) Second Amendment Directions, 2026

21. Reserve Bank of India (Rural Co-operative Banks – Resolution of Stressed Assets) Amendment Directions, 2026

22. Reserve Bank of India (Rural Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Second Amendment Directions, 2026

23. Reserve Bank of India (Rural Co-operative Banks – Responsible Business Conduct) Directions, Amendment Directions, 2026

24. Reserve Bank of India (Rural Co-operative Banks – Credit Risk Management) Second Amendment Directions, 2026

25. Reserve Bank of India (Non-Banking Financial Companies) – Resolution of Stressed Assets) Amendment Directions, 2026

26. Reserve Bank of India (Non-Banking Financial Companies) – Income Recognition, Asset Classification and Provisioning) Second Amendment Directions, 2026

27. Reserve Bank of India (Non-Banking Financial Companies) – Responsible Business Conduct) Directions, Amendment Directions, 2026

28. Reserve Bank of India (Non-Banking Financial Companies – Credit Risk Management) Second Amendment Directions, 2026

29. Reserve Bank of India (All India Financial Institutions) – Resolution of Stressed Assets) Amendment Directions, 2026

30. Reserve Bank of India (All India Financial Institutions) – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2026

31. Reserve Bank of India (All India Financial Institutions) – Responsible Business Conduct) Directions, Amendment Directions, 2026

32. Reserve Bank of India (All India Financial Institutions – Credit Risk Management) Second Amendment Directions, 2026

33. Reserve Bank of India (Relief Measures by Banks in Areas affected by Natural Calamities) Directions 2018 – SCBs Repeal Directions 2026

34. Reserve Bank of India (Relief Measures by Banks in Areas affected by Natural Calamities) Directions 2018 – RRBs Repeal Directions 2026

5. The guidelines will come into force from July 01, 2026.

(Brij Raj)           
Chief General Manager

Press Release: 2026-2027/173