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Frequently Asked Questions

FinTech
Sep 17, 2025 Inter-operable Regulatory Sandbox (IoRS) PDF - Inter-operable Regulatory Sandbox (IoRS)
Banker and Debt Manager to Government
Nov 12, 2021 Retail Direct Scheme 
Apr 14, 2020 RBI as Banker to Government 
Apr 01, 2020 Government Securities Market in India – A Primer 
Feb 04, 2019 Sovereign Gold Bond Scheme 
Nov 23, 2017 Non-competitive Bidding Facility for Dated Securities and Treasury Bills of the Government of India 
Feb 28, 2017 Pradhan Mantri Garib Kalyan Deposit Scheme (PMGKDS), 2016 
Mar 26, 2014 Inflation Indexed National Saving Securities - Cumulative (IINSS-C) 
Jun 03, 2013 Additional FAQs on Inflation Indexed Bonds (Accounting Norms) 
May 28, 2013 Inflation Indexed Bonds (IIBs) 
Oct 18, 2012 NDS-OM web 
Jul 09, 2012 The Government Securities Act, 2006 and The Government Securities Regulations, 2007 
Commercial Banking
Oct 01, 2025 FAQs on the circular on 'Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans' PDF - FAQs on the circular on
Jun 09, 2025 FAQs on Master Direction on KYC PDF - FAQs on Master Direction on KYC
Apr 22, 2025 FAQs on Master Directions on Fraud Risk Management in Regulated Entities (REs), 2024 PDF - FAQs on Master Directions on Fraud Risk Management in Regulated Entities (REs), 2024
Apr 01, 2025 FAQs on Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2025 PDF - FAQs on Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2025
Apr 01, 2025 Payment of Pension to Government Pensioners PDF - Payment of Pension to Government Pensioners
Mar 25, 2025 Gold Monetization Scheme (GMS), 2015 PDF - Gold Monetization Scheme (GMS), 2015
Jan 30, 2025 Regulatory Framework for Microfinance Loans dated July 25, 2022 (Updated as on January 30, 2025) PDF - Regulatory Framework for Microfinance Loans dated July 25, 2022 (<span style="color: red">Updated as on January 30, 2025</span>)
Nov 05, 2024 Guidelines on Default Loss Guarantee in Digital Lending PDF - Guidelines on Default Loss Guarantee in Digital Lending
Mar 07, 2024 FAQs on Master Direction (MD) - Credit Card and Debit Card – Issuance and Conduct Directions, 2022 PDF - FAQs on Master Direction (MD) - Credit Card and Debit Card – Issuance and Conduct Directions, 2022
Mar 05, 2024 UDGAM Portal PDF - UDGAM Portal
Mar 05, 2024 Depositor Education and Awareness (DEA) Fund Scheme, 2014 PDF - Depositor Education and Awareness (DEA) Fund Scheme, 2014
Feb 16, 2024 Business restrictions imposed on Paytm Payments Bank Limited vide Press Releases dated January 31 and February 16, 2024 
Feb 06, 2024 Display of information - Secured assets possessed under the SARFAESI Act, 2002 
Jan 15, 2024 Fair Lending Practice - Penal Charges in Loan Accounts 
Dec 29, 2023 Framework for acceptance of Green Deposits 
Jun 20, 2023 Framework for Compromise Settlements and Technical Write-offs 
Feb 14, 2023 Digital Lending Guidelines 
Dec 05, 2022 FAQs on Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021 (MD-TLE) 
Aug 19, 2022 FAQs on Resolution Framework for Covid-19 related stress (Revised on December 12, 2020) (Updated as on August 19, 2022) 
Jun 11, 2021 Guidelines for Appointment of Statutory Central Auditors (SCAs)/Statutory Auditors (SAs) of Commercial Banks (excluding RRBs), UCBs and NBFCs (including HFCs) 
Feb 02, 2021 Compliance functions in banks and Role of Chief Compliance Officer (CCO) 
Feb 25, 2020 CRR exemption 
Dec 12, 2019 Senior Citizens Savings Scheme, 2004 
Aug 30, 2019 Partial Credit Guarantee Scheme Offered by GoI to PSBs for purchasing high-rated pooled assets from NBFCs/HFCs 
Aug 25, 2016 Enhancing Credit Supply for Large Borrowers through Market Mechanism 
Mar 29, 2016 Marginal Cost of Funds based Lending Rate (MCLR) 
Sep 02, 2015 Savings Bank Deposit Account (BSBDA) – FAQs (RRBs/StCBs/DCCBs) 
Jan 01, 2015 Clarifications to Queries on Guidelines for Licensing of Small Finance Banks in the Private Sector 
Jan 01, 2015 Clarifications to Queries on Guidelines for Licensing of Payments Banks in the Private Sector 
Jun 03, 2013 Clarifications to Queries on Guidelines for Licensing of New Banks in the Private Sector 
Sep 27, 2011 Automated Data Flow 
Nov 16, 2002 QA 22 Accounts 
Co-operative Banking
May 30, 2014 Basic Savings Bank Deposit Account (UCBs) 
Non-banking
Sep 03, 2025 Non-Banking Financial Company – Peer to Peer Lending Platform PDF - Non-Banking Financial Company – Peer to Peer Lending Platform
May 08, 2025 Core Investment Companies PDF - Core Investment Companies
Apr 23, 2025 All you wanted to know about NBFCs PDF - All you wanted to know about NBFCs
Oct 10, 2023 NBFC-Infrastructure Finance Companies 
May 15, 2013 Infrastructure Debt Funds 
Apr 03, 2013 NBFC – Factors 
Financial Inclusion and Development
Jul 29, 2025 Micro, Small and Medium Enterprises PDF - Micro, Small and Medium Enterprises
May 08, 2025 FAQs on Priority Sector Lending (PSL) PDF - FAQs on Priority Sector Lending (PSL)
Oct 10, 2023 Education Loan 
Nov 10, 2009 Housing Loans 
Financial Market
Aug 28, 2024 Foreign Exchange (Forex) Transactions 
May 28, 2021 Targeted Long Term Repo Operations (TLTROs) 
Foreign Exchange Management
Oct 03, 2025 International Trade Settlement in Indian Rupees (INR) PDF - International Trade Settlement in Indian Rupees (INR)
Jan 16, 2025 Special Non-Resident Rupee Accounts PDF - Special Non-Resident Rupee Accounts
Jan 16, 2025 Foreign Currency Accounts by Resident Individuals PDF - Foreign Currency Accounts by Resident Individuals
Jan 16, 2025 Accounts in India by Non-residents PDF - Accounts in India by Non-residents
Oct 01, 2024 FAQs on Compounding of Contraventions under FEMA, 1999 PDF - FAQs on Compounding of Contraventions under FEMA, 1999
Jun 26, 2023 External Commercial Borrowings (ECB) and Trade Credits 
Apr 06, 2023 Liberalised Remittance Scheme 
Apr 06, 2023 Purchase of Immovable Property 
Feb 07, 2023 Introduction of Legal Entity Identifier for Cross-border Transactions 
Nov 14, 2022 Annual Return on Foreign Liabilities and Assets (FLA) under FEMA 1999 
Oct 21, 2021 Miscellaneous forex facilities 
Oct 21, 2021 Money Changing Activities 
Jan 18, 2017 Remittances [Money Transfer Service Scheme (MTSS) and Rupee Drawing Arrangement (RDA)] 
Dec 26, 2016 Liaison / Branch / Project Offices of foreign entities in India 
Sep 15, 2016 Exchange Rate – 1945-1971 
Sep 02, 2016 Remittance of Assets 
Jul 05, 2016 Exchange Earner's Foreign Currency (EEFC) Account 
Sep 18, 2013 Swap Window for attracting FCNR (B) Dollar funds 
Consumer Education and Protection
Jan 07, 2025 The Reserve Bank - Integrated Ombudsman Scheme, 2021 
Issuer of Currency
Nov 20, 2025 Digital Rupee (e₹) – FAQs PDF - Digital Rupee (e₹) – FAQs
Apr 15, 2025 Indian Currency PDF - Indian Currency
Sep 30, 2023 ₹2000 Denomination Banknotes – Withdrawal from Circulation – Will continue as Legal Tender 
May 26, 2017 Withdrawal of Legal Tender Character of the Old Bank Notes in the denominations of ₹ 500 and ₹ 1000 and The Specified Bank Notes (Cessation of Liabilities) Act 2017 & Specified Bank Notes (Deposit of Confiscated Notes) Rules 2017 
Payment and Settlement System
Oct 20, 2025 Payment and Settlement Systems Act, 2007 PDF - Payment and Settlement Systems Act, 2007
Jul 04, 2025 ATM/White Label ATM PDF - ATM/White Label ATM
Sep 02, 2024 National Electronic Funds Transfer (NEFT) System 
Sep 27, 2023 Indo-Nepal Remittance Facility scheme 
May 11, 2023 Card Transactions 
May 11, 2023 Device based Tokenisation – Card Transactions 
Feb 21, 2023 UPI-PayNow Linkage 
Nov 22, 2022 Cash Withdrawal Facility at Point of Sale (PoS) Terminals 
Nov 22, 2022 Prepaid Payment Instruments (PPIs) 
Oct 31, 2022 Legal Entity Identifier (LEI) for Large Value Transactions in Centralised Payment Systems 
Oct 31, 2022 Real Time Gross Settlement System (RTGS) System 
Oct 31, 2022 Collection of Instruments 
Oct 31, 2022 Cheque Truncation System 
Jul 28, 2021 Access for Non-banks to Centralised Payment Systems (CPS) 
Jan 01, 2020 Trade Receivables Discounting System (TReDS) 
Jun 26, 2019 Storage of Payment System Data 
Jun 30, 2015 US-Dollar Cheque Collection 
Research
Dec 01, 2025 Portfolio Investment Positions (PIP) by Counterpart Economy (formerly CPIS) - India PDF - Portfolio Investment Positions (PIP) by Counterpart Economy (formerly CPIS) - India
Jun 02, 2025 Annual Survey on Computer Software & Information Technology Enabled Services Exports (ITES) PDF - Annual Survey on Computer Software & Information Technology Enabled Services Exports (ITES)
Jun 02, 2025 Survey on Foreign Liabilities and Assets (FLA) of Mutual Fund (MF) Companies and their Asset Management Companies (AMCs) in India PDF - Survey on Foreign Liabilities and Assets (FLA) of Mutual Fund (MF) Companies and their Asset Management Companies (AMCs) in India
Jun 02, 2025 Biennial survey on Foreign Collaboration in Indian Industry (FCS) PDF - Biennial survey on Foreign Collaboration in Indian Industry (FCS)
Others
Apr 30, 2013 Application Tracking System (ATS) 
Deposit Insurance and Credit Guarantee Corporation
Nov 25, 2008 Deposit Insurance 

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