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Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

RBI issues RBI (Small Finance Banks - Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025

11-Dec-2025 | RBI/2025-26/149 DOR.RET.REC.355/12.01.001/2025-26

RBI has issued RBI (Small Finance Banks - Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025 effective from December 15, 2025, except paragraph 7 (viii) (2), which shall be effective from December 12, 2025. Key Highlights: 1. The RBI (Small Finance Banks - Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025 is issued in furtherance to changes introduced by the Banking Laws (Amendment) Act, 2025. 2. This amendment revises the definition of "fortnight" to mean 1st-15th and 16th-last day of each calendar month. 3. As a result, CRR (Cash Reserve Ratio) and SLR (Statutory Liquidity Ratio) maintenance and reporting formats (Form A and Form VIII) have been aligned with the new fortnight structure. 4. RBI has replaced references to "Friday" with "day" or "last day of the fortnight" and removed concepts such as provisional and final Form A returns. 5. Banks must now submit a single Form A (fortnightly) and Form VIII (monthly) electronically through the CIMS portal, using digital signatures of two authorised officials. 6. Transition arrangements have been specified for CRR and SLR maintenance during 13-31 December 2025 and the first fortnight of January 2026, based on specified NDTL dates. 7. Additional technical changes include updates to reporting timelines, deletion of obsolete paragraphs, and clarification on eligible State Government Securities for SLR purposes. For more information, please refer to the attached document.

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