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RBI has issued 26 New Directions for Local Area Banks (LABs) effective from 28th November 2025. The names of Directions are listed follows: 1. RBI (LABs - Acquisition & Holding of Shares/Voting Rights) Directions, 2025 2. RBI (LABs - Voluntary Amalgamation) Directions, 2025 3. RBI (LABs - Branch Authorisation) Directions, 2025 4. RBI (LABs - Digital Banking Channels Authorisation) Directions, 2025 5. RBI (LABs - Governance) Directions, 2025 6. RBI (LABs - Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025 7. RBI (LABs - Capital Adequacy) Directions, 2025 8. RBI (LABs - Interest Rate on Deposits) Directions, 2025 9. RBI (LABs - Credit Facilities) Directions, 2025 10. RBI (LABs - Debit Cards: Issuance & Conduct) Directions, 2025 11. RBI (LABs - Credit Information Reporting) Directions, 2025 12. RBI (LABs - Credit Risk Management) Directions, 2025 13. RBI (LABs - Concentration Risk Management) Directions, 2025 14. RBI (LABs - Credit Risk Transfer & Distribution) Directions, 2025 15. RBI (LABs - Interest Rates on Advances) Directions, 2025 16 RBI (LABs - Investment Portfolio: Classification, Valuation & Operation) Directions, 2025 17. RBI (LABs - Asset Liability Management) Directions, 2025 18. RBI (LABs - Income Recognition, Asset Classification and Provisioning) Directions, 2025 19. RBI (LABs - Resolution of Stressed Assets) Directions, 2025 20. RBI (LABs - Wilful & Large Defaulters) Directions, 2025 21. RBI (LABs - Financial Statements: Presentation & Disclosures) Directions, 2025 22. RBI (LABs - Declaration of Dividends) Directions, 2025 23. RBI (LABs - Know Your Customer) Directions, 2025 24. RBI (LABs - Responsible Business Conduct) Directions, 2025 25. RBI (LABs - Outsourcing Risk Management) Directions, 2025 26. RBI (LABs - Miscellaneous) Directions, 2025 For more information, please refer to the attached documents.
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