In pursuance of the announcement made in the Statement on Developmental and Regulatory Policies dated October 1, 2025, the Reserve Bank of India (RBI) has today issued the following draft Directions/ Circulars for public comments:

1. Reserve Bank of India (Transaction Accounts) Directions, 2025

1. Reserve Bank of India (Commercial Banks – Transaction Accounts) Directions, 2025

2. Reserve Bank of India (Small Finance Banks – Transaction Accounts) Directions, 2025

3. Reserve Bank of India (Regional Rural Banks – Transaction Accounts) Directions, 2025

4. Reserve Bank of India (Local Area Banks – Transaction Accounts) Directions, 2025

5. Reserve Bank of India (Urban Co-operative Banks – Transaction Accounts) Directions, 2025

6. Reserve Bank of India (Rural Co-operative Banks – Transaction Accounts) Directions, 2025

7. Reserve Bank of India (Payments Banks – Transaction Accounts) Directions, 2025

2. Guidelines on Enhancing Credit Supply for Large Borrowers through Market (Repeal Circular), 2025

3. Reserve Bank of India (Basic Savings Bank Deposit Account) Directions, 2025

The comments on the draft Directions/ circulars are invited from the banks, market participants, and other interested parties till October 24, 2025. The comments/ feedback may be submitted through the link under the ‘Connect 2 Regulate’ Section available on the Reserve Bank’s website. Comments may alternatively be forwarded to The Chief General Manager-in-Charge, Department of Regulation, Central Office Reserve Bank of India, 12th/ 13th Floor Shahid Bhagat Singh Marg, Fort Mumbai – 400 001 or by email.

(Puneet Pancholy)  
Chief General Manager

RBI issues draft transaction account and savings account directions; public comments invited by October 24. The Reserve Bank of India has released draft Directions and a repeal-style guideline for public consultation, including consolidated Transaction Accounts Directions with entity-specific variants (Commercial Banks, Small Finance Banks, Regional Rural Banks, Local Area Banks, Urban and Rural Co-operative Banks, Payments Banks), the Basic Savings Bank Deposit Account Directions, 2025, and Guidelines on Enhancing Credit Supply for Large Borrowers through Market (Repeal Circular). Comments are invited via the Connect 2 Regulate portal or by post/email to the Department of Regulation through October 24, 2025.